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ACORD formsAgency managementAgency perpetuationAgency sales and acquisitionsAgency terminationAgency valuationAssociation informationAutoAuto residual marketAutomation/technology issuesCancellation/nonrenewal issuesCertificates of insuranceCommercial autoCommercial liabilityCommercial propertyCommission and disclosureCompany appointmentsCompany insolvency/rehabilitationConsumer fliersConsumer 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 informationReinsuranceRisk managementSales 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
- 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
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
QS90403 - Creating your agency business plan
- Discusses the importance of implementing an agency business plan as a tool to help agencies achieve success. 3 pages
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
- 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 more 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
- 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
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 (07/25/14)
- 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 mined 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
- 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
QS90741 - Avoid the pitfalls of family business
- 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
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
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
QS90753 - Succession planning for agency CSR positions
- This resource kit discusses the importance of recruiting, training and retaining good CSRs when succession planning for agency CSR positions. 2 pages
QS90590 - Ten rules for family-run businesses
- 10 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 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
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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
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? (06/27/14)
- Addresses questions a potential agency buyer would want to answer to be sure they are financially able to make the purchase. 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
- 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
QS29187 - New Jersey agency termination
- A comprehensive kit to the laws and regulations regarding agency terminations and items of importance to agencies to ensure its utmost protection including notice requirements and applicable run-off periods. 34 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
- Tips you can use to get the information you need from PIA. 2 pages
QS90694 - PIA Tool Kits brochure
- A comprehensive overview of the online tool kits available to associaton members. 2 pages
QS90054 - PIA's Circle of Consultants
- Brochure that overviews PIA's Circle of Consultants program and how you can access a consultant for your particular agency needs. 2 pages
QS90449 - PIA's Industry Resource Center
- A brochure outlining the valuable services available through PIA's member-exclusive Industry Resource Center. 2 pages
QS29095 - PIANJ membership benefits flier
- Describes the various benefits of being a member of PIANJ. 1 page
QS90171 - Professional Insurance Agent camera-ready logos
- PIA logos available to members when creating print or web-based publications. 1 page
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Auto
QS29195 - Important facts about uninsured motorists property damage coverage
- This resource kit provides, as a quick reference, six facts regarding uninsured motorists coverage, including a mandatory deductible for UM-PD, minimum limits, definition of property damage as defined in the endorsement, where coverage falls and much more. 1 page
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
QS29165 - Mobile equipment vs. auto
- 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 February 2011, provides a chart comparison of the differences in insurance costs for passenger vehicles. 18 pages
QS29227 - New Jersey auto insurance buyer's guide—commercial private-passenger auto version
- A consumer explanation of commercial auto insurance policy terms, requirements, options and worksheets to shop around for the best rate. 12 pages
QS29045 - New Jersey entities offering DMV-approved defensive driving courses
- Listing of approved New Jersey entities offering DMV-approved defensive driving courses to help reduce automobile insurance premiums. 3 pages
QS90081 - Shopping for a safer car
- 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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Auto residual market
QS29064 - Is it CAIP private passenger or private-passenger type?
- Detailed anaylsis to help determine whether a private passenger vehicle is eligible for the New Jersey Personal Automobile Insurance Plan (PAIP) or the Commercial Automobile Insurance Plan (CAIP). 3 pages
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Automation/technology issues
QS90496 - (07/23/14)
- 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
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
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 $$$$$ (07/14/14)
- 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 (07/18/14)
- 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
QS90200 - Avoid the six online marketing mistakes made by most agents
- Common mistakes agency owners make when going online to market their products and services and how to avoid them. 2 pages
QS90697 - Become a paperless producer—what to look for in a tablet (06/27/14)
- 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? (07/15/14)
- Discusses the need to have a plan in place that your staff can follow for handling incoming/outgoing email from the agency. 2 pages
QS90183 - Electronic filing—higher sales, lower costs and better service
- This kit addresses the reasons it may be advantageous to choose electronic filing for your agency. 2 pages
QS29097 - Electronic recordkeeping regulations
- The actual New Jersey regulation that governs electronic recordkeeping requirements for insurance producers. 9 pages
QS90612 - Facebook advertising
- Everything you need to know about Facebook and how to put it to use to create greater visability and increased revenues for your agency. 5 pages
QS90743 - Five steps to choosing an agency management system—how to pick the right AMS for your agency
- 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
QS90627 - How to use LinkedIn to generate new business
- A reference guide offering different marketing techniques that can be used with LinkedIn to reach your current and potential customers. 2 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
QS90593 - Increase your "findability"—10 basic steps that will help prospects find you when they perform a Google search
- Reviews the steps you can take to increase your visibility on the Internet. 3 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 (06/30/14)
- 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
QS90552 - Let's use more Real Time
- A discussion on the benefits Real Time can bring to your agency. 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
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
- Discusson 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
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 page
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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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
QS29132 - Commercial-lines and homeowners policyholder protections
- Comprehensive discussion of the New Jersey insurance laws governing commercial lines and homeowners nonrenewals, premium billing notices and midterm cancellations. 7 pages
QS29188 - New Jersey personal automobile policyholder protections
- An in-depth review of the laws and regulations concerning personal automobile cancellations, nonrenewals, conditional renewals and other policyholder protections. 21 pages
QS29193 - Other miscellaneous provisions relating to New Jersey cancellation and nonrenewal
- Provides cancellation and nonrenewal provisions to include minimum notice requirements, workers' compensation policies, return of unearned premiums, premium-financed policies and FAIR Plan short-notice cancellations, etc. 4 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
QS29089 - Certificates of insurance—for information only
- Comprehensive discussion of the legalities, policy terms, E&O concerns and cancellation issues with certificates of insurance. 6 pages
QS90724 - COI: Important, dangerous and worthless?
- This resource kit discusses regulations surrounding the use of certificates of insurance. 3 pages
QS90772 - Fight over certificates of insurance ongoing
- This resource kits 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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Commercial auto
QS90130 - Commercial auto accessorizing—1998 ISO filing
- Explanation of commercial auto endorsements dealing with worldwide coverage for rental cars, limited Mexico coverage and employee-hired autos. 4 pages
QS29122 - Inspection requirements under the BAP
- A discussion regarding the physical damage/photo inspection requirements in New Jersey for private passenger autos insured under a business auto policy. 2 pages
QS90134 - Insuring the corporate car
- 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
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
- 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
- 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
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
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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
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
QS29231 - New Jersey rebating and referral fees
- Outlines the New Jersey statutes and regulations that overview rebating and referral fees by insurance producers. 3 pages
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Company appointments
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
- 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
- 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
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
QS29190 - New Jersey insurer insolvency
- Gives an in-depth overview of insurer insolvency, including eligible risks, maximum limits and the different guaranty funds available. 21 pages
QS29137 - Order No. A13-110—imposition of surcharge for recoupment of the New Jersey Property-Liability Insurance Guaranty Association assessment
- Department of Banking and Insurance order establishing the procedure for the collection of surcharges from insurance carriers for the New Jersey Property-Liability Insurance Guaranty Association. 6 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
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 fliers
QS90353 - A household inventory—well worth the time - (Español) (05/30/14)
- Consumer flier on the importance of having a household inventory to support a claim. 1 page
QS90376 - Additional liability coverage is important - (Español)
- A consumer flier outlining the exposures and need for a personal umbrella policy. 1 page
QS90358 - Affordable insurance for renters - (Español) (06/12/14)
- A question-and-answer consumer piece that answers the most commonly asked questions about renters insurance and exposures of a tenant. 1 page
QS90262 - Answers to questions you may have before going on vacation - (Español)
- Consumer-oriented flier that answers questions clients may ask about insurance coverage for items while they are vacationing. 1 page
QS90270 - Are your holiday gifts covered? - (Español)
- Answers to commonly asked questions on holiday gifts and their insurance implications. 1 page
QS90238 - Attention contractors: Worker safety and health do affect your insurance premiums
- A consumer flier with commonly asked questions on worker safety and OSHA inspections. 2 pages
QS29031 - Before saying yes to a loan, be sure to see your professional insurance agent—force-placed insurance - (Español) (06/09/14)
- Consumer flier discussing bank loans and the requirement for insurance. Also defines force-placed insurance. 1 page
QS29218 - Cell phone safety—driving home the importance - (Español) (07/14/14)
- A consumer flier developed to alert consumers about cell phone use. 1 page
QS29232 - Certificates of insurance
- Consumer-oriented flier that answers some of the commonly asked questions about certificates of insurance. 2 pages
QS90767 - Commercial excess policies are for accidents that become tragedies
- A question-and-answer piece that address some of the common commercial umbrella questions your commercial-lines clients might have. 1 page
QS90351 - Crime prevention begins at home - (Español) (07/14/14)
- Easy-to-understand consumer flier that addresses steps an insured can take in their home to reduce the chance of a theft. 1 page
QS90034 - Customer service survey - (Español)
- Sample survey you can send to clients, copied on your agency letterhead, to allow them to rate your office service, policy information and claims-handling abilities. 1 page
QS90687 - Cyber security insurance—What is it and why do I need it?
- A consumer flier outlining the exposures that a business faces when it comes to cyber security risks. 2 pages
QS29169 - Do I have any control over my auto insurance rates? - (Español) (06/13/14)
- A consumer flier answering some of the commonly asked questions on auto rates, timely payment and policy discounts. 1 page
QS29139 - Do I need a separate insurance policy for my boat? - (Español)
- Consumer flier explaining where to obtain coverage for a boat, coverage options and New Jersey laws requiring coverage. 1 page
QS90372 - Don't be tricked by Halloween fire hazards - (Español) (07/14/14)
- Consumer flier that offers safety tips for trick-or-treaters. 1 page
QS90619 - Earthquake coverage not included in business insurance policies
- A small business-oriented flier that brings out the exposure businesses face with regard to earthquake exposures that is easily copied onto your agency letterhead. 1 page
QS90350 - Earthquake coverage not included in home or business insurance policies - (Español)
- A consumer flier that addresses earthquake coverage options and applicable waiting periods. 1 page
QS90261 - Enjoy your summer without getting burned - (Español)
- Safety issues consumers want to be aware of during the summer season. 1 page
QS90245 - Flood damage: is my home covered? - (Español)
- A consumer piece that answers commonly asked questions about flood insurance. 1 page
QS90366 - Frozen pipes and other ice and snow damage - (Español)
- An easy-to-understand consumer piece on coverages applicable when pipes freeze or other ice and snow damage occurs. 1 page
QS90669 - Going away to school—an insurance perspective
- A flier that outlines the insurance considerations of parents who have children going to college. 1 page
QS90692 - Health-care reform—small employer tax credit (07/25/14)
- A consumer flier explaining the small employer tax credit for small business owners. 1 page
QS90357 - High-rise residents have unique fire precaution concerns - (Español)
- Answers to questions a high-rise resident might have to ensure their proper evacuation from a burning building. 1 page
QS90364 - Homeowners insurance basics - (Español)
- Question-and-answer consumer flier that addresses questions your homeowner insureds might ask. 1 page
QS90360 - How are insurance rates set? - (Español)
- An easy-to-understand explanation of how insurance rates are determined for automobile insurance. 1 page
QS90359 - How to keep your vehicle safe from car thieves - (Español)
- Offers tips for steps you can take to protect yourself from auto theft. 1 page
QS90363 - How to save money on auto insurance - (Español)
- Tips for consumers on how they can save on their auto insurance rates. 1 page
QS90556 - Identity theft—who's been in your wallet? - (Español)
- A consumer piece easily copied onto your agency letterhead outlining how to protect yourself from identity theft. 2 pages
QS90711 - Insurance and the divorcing couple
- A consumer flier addressing the insurance issues that can arise when a couple decides to separate or divorce. 2 pages
QS90362 - Insuring your in-home business - (Español)
- An easy-to-understand, consumer-oriented piece that addresses the coverage exposures when someone decides to open an in-home business. 1 page
QS90271 - It's winter—pay special attention to fire safety - (Español)
- A consumer piece that deals with woodburning stoves and other holiday season safety issues. 1 page
QS29229 - New Jersey implements Graduated-Driver-License Law; enhanced by Kyleigh's Law (05/28/14)
- Consumer-oriented flier that answers questions clients may ask about New Jersey Graduated-Driver-License Law. 1 page
QS29171 - New Jersey's auto insurance photo inspections—what car owners need to know - (Español)
- A consumer flier on the commonly asked questions regarding the New Jersey photo inspection requirement. 1 page
QS29172 - New Jersey's health insurance option for auto injury costs—what car owners need to know - (Español)
- A consumer piece answering the common questions with regard to an auto consumer's choice on having their auto or medical coverage be the primary payor. 2 pages
QS90386 - Not all property is equal when choosing the right insurance - (Español) (07/25/14)
- Answers commonly asked questions regarding how to properly insure stamp collections, fine arts and jewelry. 1 page
QS90361 - Personal life insurance: The basics - (Español)
- An easy-to-understand consumer piece that outlines the different types of life insurance policies and how premiums are determined. 1 page
QS90242 - Planning for the interruption of business operations due to a catastrophe - (Español)
- A question-and-answer piece discussing business interruption insurance and how it applies during a catastrophe. 2 pages
QS90181 - Put safety first this summer—guidelines for boating and water safety - (Español)
- Overviews safety issues for swimming and boating activities in a question-and-answer format. 1 page
QS90482 - Questions that business owners may have about their property loss claim following a catastrophic event - (Español) (07/14/14)
- A consumer-oriented flier addressing post-catastrophe questions your clients may ask. 2 pages
QS90483 - Questions that homeowners may have about their property loss claim following a catastrophic event - (Español)
- A consumer-oriented flier designed to answer commonly asked questions after a homeowner suffers a property loss. 2 pages
QS90368 - Replacement cost coverage: A wise investment - (Español)
- An explanation of replacement cost coverage to allow consumers to make an informed decision when purchasing homeowners coverage. 1 page
QS90705 - The basics on 'fracking' (07/24/14)
- A helpful consumer flier explaining hydraulic fracturing and coverage under a homeowners policy. 1 page
QS90355 - The dangers of drunken driving - (Español)
- A question-and-answer piece that outlines the warning signs of drunk drivers, information on hosting a party and how to protect yourself from drunk drivers. 1 page
QS29144 - Understanding New Jersey surplus lines - (Español) (06/27/14)
- A consumer flier explaining the issues of placing insurance risks in the excess and surplus lines marketplace. 1 page
QS90264 - What do I need to know about credit reports and scores? - (Español) (07/25/14)
- A question-and-answer piece that answers commonly asked questions including what is a credit score, what's a good score to get, how long the information is kept and more. 2 pages
QS90367 - What to do if you're involved in an accident - (Español)
- A consumer flier on what you should do if you have been involved in an accident and the appropriate information you should get to ensure a smooth claims process. 1 page
QS90736 - What you need to know about disaster-related casualties and your personal taxes (07/14/14)
- A comprehensive consumer flier explaining some of the tax-implications of disaster-related losses. 2 pages
QS90375 - What you need to know about employment practices liability insurance - (Español)
- Commonly asked questions on what EPLI covers, why it has become an issue and previous jury awards are answered in an easy-to-understand consumer flier. 1 page
QS29220 - What you need to know about the Special Automobile Insurance Policy - (Español)
- A consumer flier answering the commonly asked questions about the New Jersey Special Automobile Insurance Policy in a question and answer format. 1 page
QS90354 - What you need to know before becoming a volunteer - (Español) (07/14/14)
- Answers to commonly asked questions consumers ask when deciding to volunteer for a nonprofit organization. 1 page
QS29170 - What you should consider before changing auto insurance companies - (Español)
- Consumer piece that answers commonly asked questions an insured should consider when thinking of changing auto carriers. 1 page
QS90275 - Winter driving tips - (Español) (07/21/14)
- Tips all drivers can use when dealing with winter weather and impaired driving conditions. 1 page
QS29234 - Workers' compensation election for sole proprietors, partners and LLC members
- A one-page flier that addresses the workers' compensation issues surrounding limited liability companies. 1 page
QS29224 - Workers' compensation insurance penalties in New Jersey (06/27/14)
- A consumer flier outlining the recent amendments to New Jersey's workers' compensation statutes intended to strengthen the system and set penalties against participants who do not abide by the system's requirements. 1 page
QS90356 - Your homeowners policy and storm damage—what's covered? - (Español) (07/21/14)
- A consumer flier answering commonly asked questions regarding how to protect your property from storm damage and what damages are covered under homeowners policies. 1 page
QS90374 - Your young drivers—help them play it safe - (Español) (07/25/14)
- A consumer flier on the insurance exposures of teen drivers answering parent's commonly asked questions. 1 page
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Consumer materials
QS29228 - New Jersey Department of Banking and Insurance consumer complaint form
- New Jersey Department of Banking and Insurance Department complaint form and filing procedures. 1 page
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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
QS90609 - If it's in writing is it an enforceable contract?
- This document outlines a number a situations whereby a contract may not be enforceable, even if it's in writing. 2 pages
QS29189 - New Jersey producer contracts (07/17/14)
- An in-depth look at producer contracts and proper considerations for entering these types of agreements, along with sample wording for such contracts. 19 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
QS29148 - Sample brokerage agreement
- PIANJ'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 checklist to use with customers when determining 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
QS90585 - Property valuation checklist
- A comprehensive checklist to assist insurance professionals in determining property valuation. 3 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
QS29230 - Sample STANDARD personal auto exposure survey—New Jersey
- A form that allows producers to run down the various personal auto exposures and make notes when reviewing coverage with insureds. It also allows 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
- 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
- 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 (07/01/14)
- 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
- Offers a basic knowledge of surety fundamentals that will assist agents in serving their clients. 3 pages
QS90535 - Asking the right questions
- 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 (05/30/14)
- 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
QS90558 - Insuring your business: small business owner's guide to insurance
- This Insurance Information Institute guide discusses the specific coverages business owners should consider when determining their coverage needs. 80 pages
QS90597 - Is D&O liability covered under a homeowners policy? (07/01/14)
- 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 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
QS29235 - Parental liability for a child's use of an auto (07/01/14)
- Addresses common questions when a vehicle is owned and insured independently by a resident relative. 3 pages
QS90438 - Reservation of rights letters and nonwaiver agreements
- 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
QS90266 - Consumer alert from NAIC—credit scoring: how does it affect you?
- A consumer piece offered by the National Association of Insurance Commissioners that answers common questions about credit scoring. 1 page
QS90522 - The facts on prescreened insurance offers
- A discussion of prescreened insurance offers by insurance carriers and an explanation of their legalities, as well as other commonly asked questions about them. 2 pages
QS29215 - What insurers must tell consumers when using credit information in underwriting (07/14/14)
- An overview of the laws that require insurance producers to explain to insureds and prospective insureds how credit scoring will be used in their insurance underwriting. 2 pages
QS29104 - What's the score?
- Extensive discussion on credit reports, agent responsibilities and privacy issues with insurance scoring. 12 pages
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Customer service
QS90740 - 10 tips to support new CSR success
- 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
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
- The resource kit provides tips on how to attract and retain good CSRs. 2 pages
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
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?
- Ideas to help successfully motivate CSRs and improve the climate of their working environment. 3 pages
QS90299 - Customer service and claims—the agent's role in insurance coverage disputes
- Shows producers the importance of their essential roles in assisting clients when insurance claims arise, to minimize the risk of future disputes and to facilitate negotiations between policyholders and insurers. 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
- Provides some basic strategies to use when speaking with unhappy, irate customers. 2 pages
QS90307 - How well do you know your clients?
- Knowing your clients is necessary so you can present them with a solution that probably would provide some element of coverage, as this kit will explain. 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 (07/16/14)
- Teaches how important personal relationships are to creating successful businesses. 2 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
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
QS90775 - Tips to help your customer service team make sales
- The resource kits provides you with tips to help your customer service team make sales. 2 pages
QS90163 - Working the phones—seven tips to make your call center more customer friendly
- 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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Education
QS90502 - Continuing education/licensing renewal tracking services (07/14/14)
- Contact information for firms that provide continuing education and license renewal tracking services. 1 page
QS29225 - New Jersey Department of Banking and Insurance approved property/casualty pre-licensing course providers
- A comprehensive listing of approved providers for the New Jersey property/casualty pre-licensing course. 5 pages
QS90385 - PIA offers designation/certificate programs
- Highlights three professional designation/certificate programs available through PIA. 1 page
QS29001 - PIANJ's education schedule
- Annual education schedule. Includes locations, costs, etc. 4 pages
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Employee staffing
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
QS90601 - Can I ask that? An interviewer's guide to prevent employment discrimination
- A guide through common pitfalls of the interview process which could leave your company exposed to a claim for employment discrimination. 3 pages
QS90596 - Drive agency performance—managing, rewarding and engaging talent
- Strategies for effectively recruiting, motivating and retaining committed employees. 3 pages
QS90409 - Impact screening and interviewing
- Tips and techniques for effective resume pre-screening and interviewing that will help to determine if the candidate is right for your organization. 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
- 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
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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 - Tough times, marketing and CSRs
- Details why fine tuning your CSRs during tough economic times 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
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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
QS90525 - Agents and brokers errors and omissions (07/24/14)
- 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
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? (06/26/14)
- 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
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
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
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. 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
- 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 you can 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
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
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ESOPs
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
QS90737 - Moving some standard business to the E&S market? (06/20/14)
- Discusses some issues to keep in mind when placing business in the E&S market. 2 pages
QS29191 - New Jersey surplus lines
- An in-depth discussion, along with appropriate forms, for doing business in the New Jersey excess and surplus lines market. 21 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
QS29029 - Unauthorized insurers qualified as eligible surplus-lines insurers in New Jersey and exportable list
- Listing of surplus lines insurers in New Jersey and types of insurance that may be written in the surplus lines market without a diligent effort being made in the admitted market. 9 pages
QS90633 - Understand the E&S market to better serve your clients
- Provides a better understanding of the excess- and surplus-lines market, what they are and how they work. 2 pages
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Fees
QS29004 - Charging fees in New Jersey (07/14/14)
- Defines fees and commissions; when they can be charged and to whom; as well as a sample service fee agreement for your use. 7 pages
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Flood
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
QS90614 - Flood insurance frequently asked questions
- 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
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Fraud
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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Homeowners/dwelling
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
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
QS90424 - Homeowners 2000 forms—Insurance Services Office Inc. (ISO)
- A quick reference of each of the Insurance Services Office Inc. homeowners forms and the perils covered. 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
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
QS90252 - ISO—HO 2000 program (07/03/14)
- 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
QS29106 - New Jersey Department of Banking and Insurance 2010 homeowners premium comparison survey
- New Jersey homeowners insurance premium comparison survey listed by municipalities and counties. 70 pages
QS29154 - New Jersey insuring your home consumer guide
- Consumer information on New Jersey homeowners which includes insurance term definitions, shopping for the best rate, how to handle a loss and more. 16 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
- Explains ISO's Home Business Insurance Coverage program designed for the home-based entrepreneur and their unique coverage needs. 3 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 (07/01/14)
- 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
QS90640 - What is the right property limit?
- This resource kit discusses the many approaches for securing a property limit. 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
QS90714 - Finding a good match: "Cookie cutter" doesn't cut it—matching the individual with the qualities that are needed for the job
- Some important qualities you should look for when hiring a new CSR for your agency. 2 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
- 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
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
- 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 (07/14/14)
- 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 (06/26/14)
- 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
QS29197 - New Jersey Bulletin No. 04-21 re: temporary I.D. cards (06/02/14)
- This bulletin was issued to address the problems that arise when insureds try to produce proof of automobile insurance coverage after the binding of a policy but before they receive their I.D. card. 2 pages
QS29099 - The know "how" of I.D. card issuance
- A detailed summary of the New Jersey regulations for permanent and temporary automobile insurance identification cards. 6 pages
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Identity theft
QS29198 - New Jersey Identity Theft Prevention Act
- A comprehensive summary of The New Jersey Identity Theft Prevention Act including security breaches and freezes, document destruction and use of Social Security numbers. 2 pages
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
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
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
- 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) (07/17/14)
- A series of ads that PIA members can use in their local newspapers to enhance the professional image of independent insurance agents. 30 pages
QS29206 - Professional Insurance Agents of New Jersey Inc.'s GEICO vs. ISO New Jersey personal automobile policy comparison
- Provides a coverage comparison of a GEICO policy to the ISO personal automobile policy. 2 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
QS90536 - When buying auto insurance online, do your homework ... or pay the price!
- This National Underwriter article provides tips for online buyers and also recommends, after receiving an online quote, buyers contact an independent agent to make sure all necessary information is obtained for proper coverage and possibly save buyers money. 4 pages
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Industry-related issues
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
QS29194 - New Jersey handy reference material
- A compilation of reference materials on how to contact New Jersey legislators, insurance companies, DOBI contacts and a handy listing of DMV codes and their corresponding company names. 12 pages
QS29111 - New Jersey Young Insurance Professionals membership application
- Brochure outlining the benefits of being a member of the New Jersey Young Insurance Professionals. 8 pages
QS90771 - Tower FAQ
- A comprehensive question-and-answer piece that answers some of the commonly asked questions about the recent changes with Tower Group International Ltd.
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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
- 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 - 2013 federal legislative briefing papers
- Overview of the hot topics discussed with federal legislators during PIA National's Federal Legislative Summit. 2 pages
QS90588 - Do the Red Flag Rules affect me?
- 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
QS90543 - Life insurance settlements—proceed with care
- Comprehensive review of life-settlement arrangements and how they can affect your insureds. 9 pages
QS29002 - New Jersey legislative wrap-up
- A comprehensive look at the bills PIANJ tracked during the the 2010-2011 legislative session. 2 pages
QS29186 - New Jersey marketing practices
- Outlines the rules and regulations applicable to insurance producers marketing including advertisements. 6 pages
QS29192 - New Jersey unfair claims rules (07/25/14)
- An in-depth discussion of the New Jersey unfair claims statutes and regulations to assist producers in helping their clients through the claims process. 20 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
QS29237 - PIANJ 2014 legislative initiatives
- A comprehensive look at PIANJ's major legislative priorities for the 2014 legislative session. 1 page
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
QS29182 - Rules on electronic transactions
- Summarized, using a question-and-answer format, are the rules adopted by New Jersey Department of Banking and Insurance that were effective March 7, 2005. 3 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
QS29211 - Summary of the Harbor Shuttle case
- Overview of the pertinent facts in the Harbor Shuttle legal action. 3 pages
QS29200 - The Pinto decision—duty imposed on producers (07/17/14)
- An in-depth look at the Pinto decision and how it affects New Jersey producers and their obligations to their business automobile insureds, along with a corresponding sample letter. 5 pages
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
QS29159 - The facts on New Jersey's "do-not-call" law (07/17/14)
- Provides details of the law that prohibits telemarketers from making calls to New Jersey residents who place their names on a "do-not-call" list. 3 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
QS29178 - Underground storage tank funding for homeowners with nonleaking tanks
- Offers consumer information on funding available to close, remove, or replace nonleaking residential USTs. 1 page
QS29167 - Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents (07/16/14)
- This resource kit 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. 23 pages
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Licensing
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
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
QS29184 - New Jersey licensing requirements
- An in-depth kit outlining New Jersey licensing requirements, continuing education rules and applicable penalties. 32 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
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Life/health
QS90064 - 2013 Choosing a Medigap policy: a guide to health insurance for people with Medicare (06/02/14)
- 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
- 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
QS29221 - Family leave laws in New Jersey—paid and unpaid (07/16/14)
- A summary of the 2009 New Jersey Family Medical Leave legislation in New Jersey, how it interacts with existing laws and its impact on your business. 5 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
QS90631 - Initial analysis of the Supreme Court's health-care decision
- An analysis by PIA National on the Supreme Court's healthcare decision. 8 pages
QS29233 - New Jersey Department of Banking and Insurance Bulletin No. 10-21—Provisions of the Patient Protection and Affordable Care Act (effective Sept. 23, 2010)
- This resource kit discusses changes and contains riders that carriers can use to comply with the provisions of the Patient Protection and Affordable Care Act that became effective Sept. 23, 2010. 8 pages
QS29085 - New Jersey individual health coverage rates and carriers
- Listing of New Jersey individual health carriers and premium rate comparisons as of January 2012. 6 pages
QS29130 - New Jersey long-term care guide (06/27/14)
- Long-term care insurance consumer information that defines what it is, the benefits of coverage and New Jersey statutory requirements. 6 pages
QS29226 - New Jersey long-term care training requirements
- A comprehensive review of the newly adopted regulations regarding insurance producers who sell long-term care insurance and their new education training requirement. 2 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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Markets
QS90066 - PIA's MarketBase™
- 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 (06/16/14)
- 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 that services in Connecticut, New Hampshire, New Jersey and New York. 6 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
QS29133 - Sharing MVRs with commercial clients
- Discusses New Jersey 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 (07/14/14)
- Overviews 19 changes made to the ISO Personal Auto policy with an in-depth explanation of each. 6 pages
QS29020 - 2013 auto insurance premium comparison
- Offers consumers an easy-to-understand guide of personal auto coverages. 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
QS29207 - Latest DOBI auto market share data: nine-year trends
- Offers spreadsheets showing the market movement in New Jersey, as well as individual New Jersey auto carriers over the past nine years. 3 pages
QS90346 - Named nonowner policy
- An in-depth resource kit on the purpose and application of the Named Nonowner Coverage endorsement. 4 pages
QS29152 - New Jersey auto insurance buyer's guide
- A consumer explanation of auto insurance policy terms, requirements, options and worksheets to shop around for the best rate. 16 pages
QS29074 - New Jersey Department of Banking and Insurance 21-day PIP notification company addresses
- Listing of the company addresses that are indicated on the New Jersey identification cards for the 21-day personal injury protection notification. 11 pages
QS29042 - New Jersey's 2012 auto insurance complaint ratios (released spring 2013)
- Listing of New Jersey automobile insurance carriers by complaints based on 2011 studies. 1 page
QS90720 - Optional coverages offered with PAP
- Some of the optional coverages that are offered with a personal auto policy. 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
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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 (06/23/14)
- 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
QS90652 - Email encryption firms (05/29/14)
- 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
- 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
QS29123 - Privacy and the professional insurance producer (07/17/14)
- Detailed discussion of the Gramm-Leach-Bliley law and other New Jersey privacy requirements insurance producers need to be aware of. Also includes sample forms. 26 pages
QS90469 - Privacy primer
- 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
- Explains the relevant laws and sources of liability to businesses that receive and possess confidential data. 4 pages
QS29173 - Standards for safeguarding customer information (06/12/14)
- Actual regulation that requires safeguards to protect customer records and information. 9 pages
QS90638 - The truth about HIPAA-HITECH and data backup
- An overview of the HIPAA-HITECH laws and how they might affect you. 4 pages
QS90320 - What insurance producers need to know about HIPAA
- 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
- 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
QS29185 - New Jersey rules on management of funds and recordkeeping
- An in-depth "how to" on the proper management of funds and information on the basic recordkeeping requirements including electronic recordkeeping. 6 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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Reinsurance
QS29105 - Accredited reinsurers
- Listing of reinsurers and their legal office location. 2 pages
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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Risk management
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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Sales management
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
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
QS90557 - Age matters—generational selling (05/30/14)
- 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
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
QS90254 - LTC brightens sales horizons for agents
- A brief history of long-term care insurance and explains the opportunities agents and brokers can find in selling this product. 3 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
QS90455 - Motivating your salespeople = increased sales
- Tips to improve the bottom line and foster the development of "super producers" that will dramatically change the selling atmosphere at your agency. 2 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
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
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
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
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Taxes
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
QS90719 - Laws for small businesses—health care and taxes
- Outlines new laws that affect small business in regards to health care and taxes. 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
QS90038 - Tax planning for agency purchases and sales
- A review of the Tax Reform Act of 1986 and the Revenue Reconciliation Act of 1993, and how they impact tax planning for agency purchases and sales. 2 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
QS90283 - Understanding the Terrorism Risk Insurance Act of 2002
- 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
QS29059 - Cover your rear—commercial trailers
- A discussion of commercial trailers and how to best cover the exposures of these clients. 3 pages
QS29060 - Cover your rear—motor carriers
- An in-depth discussion of the exposures faced by individuals in the trucking business and how to properly meet their insurance coverage needs. 3 pages
QS29058 - 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
- A handy reference including information on the Saffir-Simpson Hurricane Scale and other hurricane-related references. 2 pages
QS90191 - Hurricane fact sheet
- 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
QS29223 - 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
QS29032 - New Jersey Compensation Rating and Inspection Bureau rate revisions—effective Jan. 1, 2014 (07/01/14)
- New Jersey Compensation Rating and Inspection Bureau circular letters, manual amendment bulletins and advisory bulletins that explain the rate revisions, experience rating and other rules effective Jan. 1, 2012. 80 pages
QS29131 - New Jersey workers' compensation and employers' liability manual order form
- Order form for the New Jersey Compensation Rating and Inspection Bureau Manual and update service. 2 pages
QS29121 - New Jersey workers' compensation certificate of insurance and audits for contractors
- Brief discussion and sample letter regarding subcontractors and how the election of workers' compensation coverage by sole proprietors, LLC members and partners may impact contractor clients at audit. 2 pages
QS29015 - Other states coverage in workers' compensation residual-market policies
- Comprehensive discussion on how to cover out-of-state employee assignments in the workers' compensation residual market. 4 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

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