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INSIDE What We Already Know: Consumers Prefer Insurance Agents Over Technology » 7 Insurance Profits: Is the Business Really All that Profitable? » 13 Your Clients & Maybe You: Small Business Big Target of Fund Transfer Fraud » 22

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March 2022 | Published Monthly

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Did you know that PIA’s company council, The PIA Partnership, has conducted nationwide research about the insurance buying preferences of small business owners? The research is encouraging because it found that small business owners strongly prefer independent insurance agents as they make choices in today’s online world. However, the results also serve as a wake-up call that agents must take steps to continue to demonstrate their value and also be more engaged online. PIA and the companies belonging to The PIA Partnership have created a public website that helps agents understand PIA’s findings. PIA members also have access to a private website containing a series of strategies and tools to help them stay ahead of online competition in commercial lines. To access the newest PIA Partnership project, Small Business Insurance & The Internet — The Voice of the Commercial Lines Customer. If you are not a PIA member and want to access all of the tools available through this program, contact us for a membership application or visit us online at www.pianational.org/header-utility-items/join/Join-PIA.

National Association of Professional Insurance Agents 400 N. Washington St., Alexandria, VA 22314-2353 www.pianet.com | membership@pianet.org | (703) 836-9340

What We Already Know — Consumers Prefer Insurance Agents Over Technology | 7 Those of us working in the business already know this but it’s nice to see a survey bear out this truth. Technology and a lot of online buying options have NOT changed the minds of consumers. They want to work with, and buy insurance from, an independent insurance agent. Rising Gas Prices — Inflation Hitting the Gas Pumps | 8 Omicron hit the U.S. in December and when it hit, gas prices started falling. At the time the new variation of the virus hit, the price of a barrel of oil fell from $84 to $64. It didn’t take very long for a barrel to go back up to $84. Consumer Worries — Rising Auto Costs that Include Insurance | 11 The 2022 State of the American Driver Report is done each year by an insuretech auto ownership called, Jerry. It takes a good look at the ins and outs of driving in the U.S. The survey of 1,250 people aged 16 to 75, covers a lot of areas ranging from electric vehicles to self-driving vehicles to the high cost of owning an auto and insuring one. Insurance Profits — Is the Business Really All that Profitable? | 13 From time-to-time AdvisorSmith looks at all things insurance. In this case it’s states where the business of insurance isn’t all that profitable. The company says whether a state is profitable or not depends on size and how competitive the market can be.

Weekly Industry News reported last week, PIA National launched the program to help agents and agencies battle cyber criminals intent on inflicting damage to their businesses. Russia’s Invasion — Cyber Concerns & Insurance Woes | 20 The Russian invasion of Ukraine has the insurance industry worried. Natural Disasters Hit 10% of Us in 2021 | 21 CoreLogic’s Climate Change Catastrophe Report said natural disasters hit one if 10 of us in 2021. That totals up to 14.5 million single and multi-family homes. Property damage to those homes was $56.92 million. Your Clients & Maybe You — Small Business Big Target of Fund Transfer Fraud | 22 Coalition is a cyber insurer. The company recently released its 2022 Cyber Claims Report. In the report, Coalition talks about fund transfer fraud (FTF) and how it’s increasing at an exceptionally rapid rate.

PIA NE IA EVENTS Upcoming Events Calendar 2022 | 24

TOP STORIES

WHAT WE ALREADY KNOW CONSUMERS PREFER INSURANCE AGENTS OVER TECHNOLOGY Those of us working in the business already know this but it’s nice to see a survey bear out this truth. Technology and a lot of online buying options have NOT changed the minds of consumers. They want to work with, and buy insurance from, an independent insurance agent. In our case, it is an independent agent of the PIA. One form of proof of this premise — other than the survey information we’re about to share — is what some of the direct-to-consumer model insurance companies. They’re moving their business model from strictly online contact to using agents. And this isn’t just for the benefit of older consumers. A survey done by Agent Hero says from Generation Z on up, consumers want to work

with a person and not with a computer, or a phone. They find value in working with that agent. Here are some numbers: • 65% of all consumers will use an agent in the future • 81% of Baby Boomers will • 79% of Generation X consumers will • 84% of Millennials like agents and will keep using them • 69% of Generation Z consumers who have worked with an agent will do so again Here’s a link to the Agent Hero survey. You’ll find the conclusions found there, fascinating: https:// campaign.agentero.com/consumersurvey Source: PropertyCasualt360.com

March 2022 | Main Street Industry News | www.pianeia.com | 7

TOP STORIES

RISING GAS PRICES INFLATION HITTING THE GAS PUMPS Omicron hit the U.S. in December and when it hit, gas prices started falling. At the time the new variation of the virus hit, the price of a barrel of oil fell from $84 to $64. It didn’t take very long for a barrel to go back up to $84. That’s not good news, and Patrick De Haan of GasBuddy. com says right now we’re seeing the calm before the storm. Prices will soon hit $100 a barrel and by March we are going to see prices climbing to as high as $4 a gallon at the pump. The reason — De Haan says — is as omicron cases decline people are going to get out more and start traveling again. Gasoline producers will have trouble keeping up with increased travel, and especially the increased travel associated with Spring vacations. He expects prices to go up a quarter or more and stay up through May. The long-haul, however, looks good. The U.S. Energy Information Institute (EIA) is the

federal government’s eye on energy, and it tracks energy prices and consumption. The most recent Short Term Energy Outlook was published last week. It said oil and gas prices ought to be dropping over the next two years. Look for gas price averages to be $3.06 a gallon for most of 2022 and $2.81 a gallon next year in 2023. Source: The Seattle Times

March 2022 | Main Street Industry News | www.pianeia.com | 8

THE HARTFORD’S FLOOD PROGRAM

PIA MEMBERS - ACCESS THE TOOLS, TECHNOLOGY AND SUPPORT YOU NEED TO GROW YOUR FLOOD BUSINESS The Hartford and PIA have joined together to make it easier for PIA member agents to provide their clients with flood coverage through The Hartford. The program is available to PIA members and their policyholders in all 50 states and Puerto Rico. HELPING YOU MARKET • On demand training • Webinars • Marketing materials and newsletter • Dedicated Flood Sales Executive • Access to Transfer Consultant – we make moving your flood business to The Hartford easy • Access to Training Consultant – we help you build flood expertise ADVANCED TECHNOLOGY FOR EASE OF DOING BUSINESS • Flood zone determinations • SEMCAT and Vertafore integrated flood quote technology • Electronic application submission • Assistance in obtaining elevation certificates • Technological upgrades due to legislative changes MEASURING YOUR SUCCESS • Claims reporting • Policy database download and maintenance • Electronic movement of premium and commission funds • Increased revenue with competitive commissions • Reports on demand • Repetitive loss review

THE PIA ADVANTAGE When you participate in PIA National’s official flood insurance program from The Hartford, you have the power of PIA behind you. PIA’s dedicated staff is ready to help if you need assistance. And, you’ll have access to The Hartford’s Flood Insurance Marketing Support Center. CONTACT US For more information about The Hartford’s Flood Insurance program for PIA agents, contact your local Flood Sales Executive: Michele Battis Phone: 704-972-5918 Email: Michele.Battis@thehartford.com

LEARN MORE AT PIANET.COM/HARTFORDFLOODINSURANCE.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest and Hartford Underwriters Insurance Company. Its headquarters is in Hartford, CT. All policies are written subject to the National Flood Insurance Program. Please note that this product is available in most states. Features and credits may vary by state. For simplicity, this brochure does not include all the features, exclusions and limitations of the policy. For full information, The Hartford suggests that you read your policy or consult with your independent agent. On all losses and claims, policy terms apply. All information and representations herein are as of March 2018 PLA245-1 © March 2018 The Hartford Financial Services Group, Inc. All rights reserved.

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TOP STORIES

CONSUMER WORRIES Rising Auto Costs that Include Insurance

The 2022 State of the American Driver Report is done each year by an insuretech auto ownership called, Jerry. It takes a good look at the ins and outs of driving in the U.S. The survey of 1,250 people aged 16 to 75, covers a lot of areas ranging from electric vehicles to self-driving vehicles to the high cost of owning an auto and insuring one. It also looks at how we all feel about driving, what interests us about it and our worries about that age old American tradition of driving. The survey results start with electric vehicles: • 33% don’t think they’ll ever drive an allelectric car • 50% expect to drive one within the next decade Those wanting to drive electric cars are mostly millennials and Generation Z. Both generations think they’ll be able to drive an autonomous vehicle in the next five-years. They are most interested in those vehicles because they’re inexpensive to drive.

A big problem we all have with driving today — says Jerry’s data scientist, Lakshmi Iyengar — is how badly COVID has impacted the buying and selling of autos and how much it costs to drive one.

“Americans experienced sticker shock when shopping for new and used cars in 2021, and no relief is in sight this year,” Iyengar said. “This raises the total cost of car ownership and creates the need to cut costs elsewhere. Despite significant EV interest due to expected cost savings, consumers likely won’t find immediate cost reductions when buying an EV. That may come over the next 10 years as technology and charging infrastructure mature.”

March 2022 | Main Street Industry News | www.pianeia.com | 11

TOP STORIES Car insurance was also a topic of discussion in the study. It listed the most expensive and least expensive states to insure vehicles. The most expensive first: 1. New York — $355 2. Maryland — $247 3. Delaware — $242 4. New Jersey —$241 The least expensive states — on average — for auto insurance include: 1. Vermont — $87 2. Wisconsin — $90 3. Idaho — $91 4. Oklahoma — $92

“Insurance carriers may not find this surprising given that the most expensive states are likely more densely populated and have more drivers on the road, which could be associated with risk of accidents,” Iyengar says. “Last year, insurance carriers offered short-term discounts to account for changing driving habits during the pandemic. At the end of 2021, we saw those discounts falling off, which will likely increase average cost for car insurance in 2022 for drivers. But not all workers are hitting the roads again.”

How much we’ll all be driving in the near future. • 22% say they’ll drive a lot less in 2022 than they did in 2019 • 69% say they’re going to return to their pre-pandemic driving

“Insurers should expect to continue seeing customer interest in work from home or low annual mileage discounts in 2022, as driving habits remain impacted by COVID-19,” Iyengar says. “Additionally, we as an industry, cannot forget that shoppers for any product or service expect no more than a few clicks to complete a transaction. Customers are comfortable conducting the complete auto insurance transaction online and with no phone calls. Speed and simplicity are not optional.”

Here are some other facts found in the Jerry survey: • More of us will sell our cars in 2022 on digital platforms like Autotrader & Facebook’s marketplace • 50% drove instead of flying in 2021 • This year 44% intend to start flying again As for driving to work? We might continue to see a large number of people working from home. Source: Digital Insurance

March 2022 | Main Street Industry News | www.pianeia.com | 12

TOP STORIES

Least Profitable 1. Colorado

Average profitability 2014-2019: 0.2% Written premium in 2019: $13.843,000

2. Montana

Average profitability 2014-2019: 2.6% Written premium in 2019: $2.574,000

3. Nevada

Average profitability 2014-2019: 3.4% Written premium 2019: 6,073,000

4. Georgia

INSURANCE PROFITS

Average profitability 2014-2019: 3.4% Written premium in 2019: $22,393,000

5. Texas

Average profitability 2014-2019: 3.8% Written premium in 2019: $60,458,000

6. California

Average profitability 2014-2019: 4.5% Written premium in 2019: $82,478,000

7. Nebraska

Is the Business Really All that Profitable?

Average profitability 2014-2019: 4.9% Written premium in 2019: $5,131,000

From time-to-time AdvisorSmith looks at all things insurance. In this case it’s states where the business of insurance isn’t all that profitable. The company says whether a state is profitable or not depends on size and how competitive the market can be.

9. New Mexico

"Competition," AdvisorSmith said, "can be brutal." In the case of smaller states, profits for insurers can be driven down by higher loss ratios.

8. Florida

Average profitability 2014-2019: 5.6% Written premium in 2019: $55,288,000 Average profitability 2014-2019: 5.6% Written premium in 2019: $3,671,000

10. Wyoming

Average profitability 2014-2019: 6.7% Written premium in 2019: $1,261,000

31. Iowa

Average profitability 2014-2019: 8.0% Written premium in 2019: $6,713,000 Source: PropertyCasualty360.com

March 2022 | Main Street Industry News | www.pianeia.com | 13

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Brought to you by PIA and The PIA Partnership

There are more

cyber risks

THAN EVER.

Is your agency at risk? The answer is yes—everyone is at risk. The best defense is a strong offense.

pianational.org/cybersecurity

About Us PIA Design & Print offers a one-of-a-kind relationship between you, your brand, and our diligent, creative and unique team of hardworking professionals whose top priority is building your business. With your input, we forge the path between you and your future clients, reliably growing your brand into a name people know and trust. Formerly known as Creative Services, Design & Print works closely with your small business, insurance agency or association. We help grow your business by focusing on marketing you, your brand, and the services that you provide. Contact Design & Print today to make the most of your business. You are important to us—let us show you!

(800) 424-4244 | design.print@pia.org | pia.org/design&print

Design+ Print

TOP STORIES

A NEW SPORT

In TV Circles Insurance Tops Beer

Sports programming used to be dominated by beer commercials. Not anymore. Anyone watching the recently concluded National Football League playoff and the Superbowl know that to be true. Insurance now rules sports programming. The New York Post recently took a look at just how much energy and money insurance is putting into sports. In 2021 TV sports programming saw close to 15,560 beer commercials on the four largest TV networks: ESPN CNN MSNBC Fox News In terms of total minutes, cut that in half since most TV commercials are 30-seconds. That’s a lot of time. Not close — it appears — to what insurance did in 2021. Media advertising analyst iSport said on those same networks there was 109,297 minutes of insurance advertising. That’s a 52.3% increase from what was aired in 2016’s paltry 71,000 minutes. Beer commercials — says iSpot — remained at about 7,000 minutes.

PIA NATIONAL LAUNCHES A CYBER DEFENSE PROGRAM

Source: Business Insurance

March 2022 | Main Street Industry News | www.pianeia.com | 16

TOP STORIES PIA National Executive Vice President and CEO Mike Becker said the Allianz Risk Barometer now has cyber risk now tops COVID as the top business risk. In the recent PIA National / National Underwriter annual independent agent survey, 64% of agents say they’re concerned about serving clients online and noted data security and compliance are the reasons. “In many respects, cyberattacks are the pandemic of technology. A cyberattack is lethal, destructive and can infect systems that are not protected. They can have devastating longterm effects, especially for small businesses. Ransomware, phishing, and data breaches can cost insurance agencies hundreds of thousands of dollars,” Becker said. “It is critical that all business owners realize the magnitude of the threat and take action. That’s why PIA and The PIA Partnership created Winning@ Cybersecurity Defense, a comprehensive program to help independent insurance agents protect themselves and fight back.” The program is a four-step resource to educate agents and their small and medium sized business clients about the most common dangers they face. It teaches best practices and coverages that can be obtained to reduce that risk.

THE PROGRAM CONTAINS In association with the PIA Partnership, PIA National has created Winning@Cybersecurity Defense. As Weekly Industry News reported last week, PIA National launched the program to help agents and agencies battle cyber criminals intent on inflicting damage to their businesses. This same program can also help you help your clients.

Custom assessments Security tips Employee training Password management Antivirus protection Business recovery plans Vendor management Growing a security mindset and more Source: PIA National

March 2022 | Main Street Industry News | www.pianeia.com | 17

TOP STORIES

RUSSIA’S INVASION Cyber Concerns & Insurance Woes

The Russian invasion of Ukraine has the insurance industry worried. At the beginning of Russia’s invasion of Ukraine, Russian President Vladimir Putin warned the West about interfering with his plans. Putin said meddling will lead to “consequences you have never experienced.” Though he has also issued veiled threats about using the nuclear option, experts in the West — and in the U.S. especially — translate Putin’s comments to mean cyber threats. Major businesses in the U.S. ranging from finance to utilities and other parts of the nation’s infrastructure are taking the cyber thoughts very seriously. Jen Easterly is the director of the Cybersecurity and Infrastructure Security Agency. She says though there have not been specific threats, her agency has been urging U.S. businesses and other organizations to be very careful. “Russia may consider taking retaliatory action in response to sanctions that may impact our critical infrastructure,” she tweeted.

Most vulnerable is energy. That’s why Energy Secretary Jennifer Granholm reached out to energy executives and warned them to be prepared for “the highest possible level for potential Russia-linked cyber and disinformation activity or cybercriminal activity from actors seeking to exploit the ongoing geopolitical situation.” Serious cyber attacks mean serious losses for cyber insurers. A.M. Best predicts that cyber rates could skyrocket because of worries about an attack. The economic sanctions — says Best’s Anna Sheremeteva — are also a big concern for insurers. “Further sanctions may impact the ability of international insurers and reinsurers to underwrite Russian risks or make it more difficult for them to service claims on existing policies,” she said. “Most affected would be those writing large energy and infrastructure risks, such as London Market insurers, and international reinsurers.”

Source: Insurance Journal and Source: Business Insurance

March 2022 | Main Street Industry News | www.pianeia.com | 20

TOP STORIES

NATURAL DISASTERS HIT 10% OF US IN 2021 CoreLogic’s Climate Change Catastrophe Report said natural disasters hit one if 10 of us in 2021. That totals up to 14.5 million single and multi-family homes. Property damage to those homes was $56.92 million. Company spokesman, Tom Larson said the report came to that total by looking at 13 major and severe weather events and 120 million residential structures. Once those facts were entered, CoreLogic totaled the cost of reconstruction, or the cost of repair, in terms of materials, equipment and labor. “By leveraging granular data for the increasing frequency and severity of catastrophes, we are able to see that more than 14.5 million homes were impacted to some degree by natural hazards in 2021,” he said. “That’s about one in every 10 homes in the United States. Insurers and lenders can leverage the latest technologies and work cross-functionally to better understand this risk, protect homeowners and enable faster recovery times.” He said the risk factors of natural hazard events have pushed costs for insurers and homeowners in many areas of the country. Larson gave California as an example. He said between 2017 and 2020, the cost of fire and homeowners insurance rose from $8.7 billion to $11.1 billion.

THAT’S AN INCREASE OF 27%.

Larson then broke the report down into four categories: wildfire, hurricanes, severe weather and winter storms. Wildfires caused $1.46 billion in property damage. Over 4,000 homes were hit and the reconstruction costs hit $0.73 billion. Hurricanes did $33 billion in damages. Reconstruction costs to 1,233,860 homes was $395 billion. Severe weather reconstruction cost value was $124 billion. The 563,637 homes saw $7.46 billion in property damage. Winter storms did $15 billion in property damage. Reconstruction value for the 12,764,941 homes was $2.27 trillion. “Nearly every property in the U.S. has exposure to hazard risk, and the effects of a catastrophic event can result in an unstable economy with high levels of unemployment and mortgage delinquency,” the report concluded. Source: Digital Insurance

TOP STORIES

YOUR CLIENTS & MAYBE YOU SMALL BUSINESS BIG TARGET OF FUND TRANSFER FRAUD

March 2022 | Main Street Industry News | www.pianeia.com | 22

Coalition is a cyber insurer. The company recently released its 2022 Cyber Claims Report. In the report, Coalition talks about fund transfer fraud (FTF) and how it’s increasing at an exceptionally rapid rate. From 2020 to 2021, FTF frequency jumped 21% for companies with less than $25 million in annual revenue. For those with income of $25 million to $100 million, revenue jumped almost three times that to 68%.

TOP STORIES The overall increase — on average — is 69%.

78% above the loss average of 2020.

Coalition’s report says the tactics used to get into company books to do the fraudulent transfers is via phishing and business emails designed to look official. Once the criminals get access to the business accounts from those sources, they can easily manipulate contracts or payment schedules without arousing suspicion.

The company offered some advice you might want to share with your small business clients — and maybe follow yourself.

These same criminals also use false payment instructions from customers or vendors. In the first half of 2021 losses were averaging $388,000. The second half saw a bit of a drop to $347,000. That’s not good news since it’s

As soon as fraud is detected, notify your bank and request a reversal of the transfer File a claim Report the theft to the FBI’s Internet Crime Complaint Center Report the theft to local police Keep tabs with the bank and the status of the recovery of the money transferred Source: PropertyCasualty360.com

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March 2022 | Main Street Industry News | www.pianeia.com | 23

PIA NE IA EVENTS

Events Calendar 2022 For information and to register Click Here or call (402) 392-1611. Date

Class/Webinar

March 2, 2022

An Hour with Cathy: Insurance Issues for the Commercial Tenant

March 3-4, 2022

Where

When

NE/IA

Webinar: 1:00PM - 2:00PM

Ruble: Graduate Seminar (IA)

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

March 3-4, 2022

Ruble: Graduate Seminar (IA)

West Des Moines

**Hybrid Webinar

March 3, 2022

Personal Lines Clients and Their New Normal

NE/IA

Webinar: 12:00PM - 3:00PM

March 8, 2022

CISR Live Webinar: Agency Operations

Live Webinar

Live Webinar: 8:00AM - 5:00PM

March 9, 2022

An Hour with Corey: Liars: How to Spot Fraud & What the Agent Can Do About It

NE/IA

Webinar: 1:00PM - 2:00PM

March 10, 2022

CPIA 1 ONLINE COURSE: Position for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

March 22, 2022

Employment Practices Liability - A Coverage No Business Can Afford to Be Without

NE/IA

Webinar: 8:00AM - 11:00AM

March 22, 2022

Nailed It: Understanding Insurance Requirements NE/IA in Construction Contracts

Webinar: 12:00PM - 3:00PM

March 23, 2022

CISR Live Webinar: Commercial Casualty 1

Live Webinar

Live Webinar: 8:00AM - 5:00PM

March 24, 2022

Personal Lines Coverage Concerns: Annoying But Important

NE/IA

Webinar: 8:00AM - 11:00AM

March 29, 2022

Why Insurance to Value and Liability Limits are Always Wrong (and How to Fix That)

NE/IA

Webinar: 8:00AM - 11:00AM

March 29, 2022

Chris Amrhein’s “Adventures in Aging”: Medicare and Other Retirement Healthcare Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

March 30, 2022

An Hour with Nicole: Personal Umbrella Issues & Answers

NE/IA

Webinar: 1:00PM - 2:00PM

March 31, 2022

Autos, Garages, and Dealers - Oh My! Knowing the Difference

NE/IA

Webinar: 8:00AM - 11:00AM

March 31, 2022

Commercial Property - Direct vs. Indirect Damage

NE/IA

Webinar: 12:00PM - 3:00PM

April 5, 2022

Flood Insurance, FEMA, and the NFIP

NE/IA

Webinar: 8:00AM - 11:00AM

March 2022 | Main Street Industry News | www.pianeia.com | 24

PIA NE IA EVENTS

April 5, 2022

Personal & Commercial Lines Endorsements: Some Good, Some That Really Stink

NE/IA

Webinar: 12:00PM - 3:00PM

April 7, 2022

CISR Live Webinar: Elements of Risk Management

Live Webinar

Webinar: 8:00AM - 5:00PM

April 7, 2022

Homeowners In Real Life: Tales of Claims & Coverage

NE/IA

Webinar: 8:00AM - 11:00AM

April 12, 2022

Cyber - Evolution, Exposures, Incidents & Insurance

NE/IA

Webinar: 8:00AM - 11:00AM

April 12, 2022

Chris Amrhein’s “Adventures in Aging”: Social Security & Other Retirement Income Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

April 13, 2022

CPIA 2 ONLINE COURSE: Implement for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

April 13, 2022

An Hour with Corey: Valuation Issues with Custom Cars & Tricked-Out Trucks

NE/IA

Webinar: 1:00PM - 2:00PM

April 19, 2022

That’s Personal: Home & Auto Exposures Your Insured Doesn’t Share (and Why That’s Bad)

NE/IA

Webinar: 8:00AM - 11:00AM

April 19, 2022

Ethics: Essentials for the Insurance Producer

NE/IA

Webinar: 12:00PM - 3:00PM

April 20-21, 2022

CIC Live Webinar: Insurance Company Operations Institute

Lincoln

**Hybrid Webinar

April 20-21, 2022

CIC: Insurance Company Operations Institute

Lincoln

Marriott Couryard Haymarket

April 20, 2022

An Hour with Cathy: Three Commercial Property Insurance Problems and How to Fix Them

NE/IA

Webinar: 1:00PM - 2:00PM

April 21, 2022

"How/Where the %^* Will I Live?" Insurance Solutions for the Long-Term

NE/IA

Webinar: 12:00PM - 3:00PM

April 26, 2022

CISR Live Webinar: Insuring Personal Residential Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

May 4, 2022

An Hour with Corey: Liars: How to Spot Fraud & What the Agent Can Do About It

NE/IA

Webinar: 1:00PM - 2:00PM

May 5, 2022

CISR Live Webinar: William T. Hold: Advanced Learning Seminar

Live Webinar

Live Webinar: 8:00AM - 5:00PM

May 5, 2022

Commercial Property - Direct vs. Indirect Damage

NE/IA

Webinar: 12:00PM - 3:00PM

May 10, 2022

Personal Lines Coverage Concerns: Annoying But Important

NE/IA

Webinar: 8:00AM - 11:00AM

May 10, 2022

Employment Practices Liability - A Coverage No Business Can Afford to Be Without

NE/IA

Webinar: 12:00PM - 3:00PM

May 12, 2022

CPIA 3 ONLINE COURSE: Sustain Success

Live Webinar

Webinar: 8:30AM - 4:15PM

May 12, 2022

Leadership and Liability: Insuring Executive Risk

NE/IA

Webinar: 12:00PM - 3:00PM

May 17, 2022

Lurking: Surprises In the Contractor’s CGL Policy NE/IA & Endorsements to Watch Out For

Webinar: 8:00AM - 11:00AM

March 2022 | Main Street Industry News | www.pianeia.com | 25

PIA NE IA EVENTS

May 17, 2022

Chris Amrhein’s “Adventures in Aging”: Medicare and Other Retirement Healthcare Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

May 18, 2022

An Hour with Cathy: Truly Awful CGL Endorsements

NE/IA

Webinar: 1:00PM - 2:00PM

May 18-19, 2022

CIC: Personal Lines Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

May 18-19, 2022

CIC Live Webinar: Personal Lines Institute

West Des Moines

**Hybrid Webinar

May 19, 2022

Growing Good Insurance: Using Property & Liability Endorsements to Fortify Farm Risks

NE/IA

Webinar: 8:00AM - 11:00AM

May 19, 2022

Personal Lines Clients and Their New Normal

NE/IA

Webinar: 12:00PM - 3:00PM

May 24, 2022

Certificates and Additional Insureds: What Did You Do to Deserve This?!

NE/IA

Webinar: 8:00AM - 11:00AM

May 24, 2022

The Evolution of Ethics in Insurance

NE/IA

Webinar: 12:00PM - 3:00PM

May 25, 2022

CISR Live Webinar: Commercial Casualty 2

Live Webinar

Live Webinar: 8:00AM - 5:00PM

May 25, 2022

An Hour with Nicole: Homeowners Loss Settlement Issues

NE/IA

Webinar: 1:00PM - 2:00PM

May 26, 2022

Commercial Insurance Coverages, Court Cases & Chaos

NE/IA

Webinar: 12:00PM - 3:00PM

June 14, 2022

CISR: Personal Lines Miscellaneous

Davenport

TBA

June 14, 2022

Planting the Seed: Agent Strategies to Get and Keep Agribusiness Insureds

NE/IA

Webinar: 8:00AM - 11:00AM

June 14, 2022

That’s Personal: Home & Auto Exposures Your Insured Doesn’t Share (and Why That’s Bad)

NE/IA

Webinar: 12:00PM - 3:00PM

June 15, 2022

An Hour with Cathy: Additional Insured Endorsements for Contractors

NE/IA

Webinar: 1:00PM - 2:00PM

June 16, 2022

Is This Stuff For Real? Understanding & Insuring Emerging Risks

NE/IA

Webinar: 8:00AM - 11:00AM

June 21, 2022

Chris Amrhein’s “Adventures in Aging”: Social Security & Other Retirement Income Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

June 22, 2022

An Hour with Nicole: Personal Umbrella Issues & Answers

NE/IA

Webinar: 1:00PM - 2:00PM

June 22-23, 2022

CIC Live Webinar: Life & Health Institute

Live Webinar

June 23, 2022

Flood Insurance, FEMA, and the NFIP

NE/IA

Webinar: 8:00AM - 11:00AM

June 23, 2022

Homeowners In Real Life: Tales of Claims & Coverage

NE/IA

Webinar: 12:00PM - 3:00PM

June 28, 2022

What the Heck Happened to Life Insurance?!

NE/IA

Webinar: 8:00AM - 11:00AM

June 28, 2022

Certificates of Insurance and the Coverage Issues that Go With Them

NE/IA

Webinar: 12:00PM - 3:00PM

March 2022 | Main Street Industry News | www.pianeia.com | 26

PIA NE IA EVENTS

Live Webinar

Live Webinar: 8:00AM - 5:00PM

June 30, 2022

CISR Live Webinar: Agency Operations

June 30, 2022

Nailed It: Understanding Insurance Requirements NE/IA in Construction Contracts

Webinar: 8:00AM - 11:00AM

July 7, 2022

CISR: Commercial Casualty 1

Des Moines, IA

TBA

July 12-13, 2022

CIC: Commercial Multiline Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

July 12-13, 2022

CIC Live Webinar: Commercial Multiline Institute

West Des Moines

**Hybrid Webinar

July 26, 2022

CISR: Insuring Personal Auto Exposures

Des Moines, IA

Des Moines

August 11, 2022

CPIA 1 ONLINE COURSE: Position for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

August 18, 2022

CISR Live Webinar: Elements of Risk Management

Live Webinar

Live Webinar: 8:00AM - 5:00PM

August 23-24, 2022

CIC Live Webinar: Commercial Casualty Institute

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 8, 2022

CPIA 2 ONLINE COURSE: Implement for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

September 13-14, 2022 Ruble Live Webinar: Graduate Seminar (NE)

Omaha

**Hybrid Webinar

September 13-14, 2022 Ruble: Graduate Seminar (NE)

Omaha

Omaha Marriott Hotel Omaha, NE

September 20, 2022

CISR Live Webinar: Insuring Personal Residential Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 29, 2022

CISR Live Webinar: Insuring Commercial Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 5, 2022

CPIA 3 ONLINE COURSE: Sustain Success

Live Webinar

Webinar: 8:30AM - 4:15PM

October 13, 2022

CISR Live Webinar: Commercial Casualty 2

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 20-21, 2022

CIC: Commercial Property Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

October 20-21, 2022

CIC Live Webinar: Commercial Property Institute

West Des Moines

**Hybrid Webinar

October 27, 2022

CISR Live Webinar: Personal Lines Miscellaneous Live Webinar

Live Webinar: 8:00AM - 5:00PM

November 9-10, 2022

CIC Live Webinar: Insurance Company Operations Institute

Live Webinar

November 15, 2022

CISR Live Webinar: Commercial Casualty 1

Live Webinar

Live Webinar: 8:00AM - 5:00PM

December 13, 2022

CISR Live Webinar: Agency Operations

Live Webinar

Live Webinar: 8:00AM - 5:00PM

August 18, 2022

CISR Live Webinar: Elements of Risk Management

Live Webinar

Live Webinar: 8:00AM - 5:00PM

August 23-24, 2022

CIC Live Webinar: Commercial Casualty Institute

Live Webinar

Live Webinar: 8:00AM - 5:00PM

March 2022 | Main Street Industry News | www.pianeia.com | 27

PIA NE IA EVENTS

Live Webinar

Webinar: 8:30AM - 4:15PM

September 13-14, 2022 Ruble Live Webinar: Graduate Seminar (NE)

Omaha

**Hybrid Webinar

September 13-14, 2022 Ruble: Graduate Seminar (NE)

Omaha

Omaha Marriott Hotel Omaha, NE

September 8, 2022

CPIA 2 ONLINE COURSE: Implement for Success

September 20, 2022

CISR Live Webinar: Insuring Personal Residential Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 29, 2022

CISR Live Webinar: Insuring Commercial Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 5, 2022

CPIA 3 ONLINE COURSE: Sustain Success

Live Webinar

Webinar: 8:30AM - 4:15PM

October 13, 2022

CISR Live Webinar: Commercial Casualty 2

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 20-21, 2022

CIC: Commercial Property Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

October 20-21, 2022

CIC Live Webinar: Commercial Property Institute

West Des Moines

**Hybrid Webinar

October 27, 2022

CISR Live Webinar: Personal Lines Miscellaneous Live Webinar

Live Webinar: 8:00AM - 5:00PM

November 9-10, 2022

CIC Live Webinar: Insurance Company Operations Institute

Live Webinar

November 15, 2022

CISR Live Webinar: Commercial Casualty 1

Live Webinar

Live Webinar: 8:00AM - 5:00PM

December 13, 2022

CISR Live Webinar: Agency Operations

Live Webinar

Live Webinar: 8:00AM - 5:00PM

March 2022 | Main Street Industry News | www.pianeia.com | 28

SHOW YOUR PIA PRIDE!

cy gen A e t gen suranc A . t In nQ Joh n Stree treet Mai Main S SA 123 town, U Any

John Q. Agent Main Street Insurance A gency 123 Main Street Anytown, USA

Showcase the PIA member logo on your business cards, letterhead, and more. Download Now: www.pianet.com/pialogos

When all my carriers pulled out after a hailstorm, my PIA contacts helped me get replacements. It literally saved my agency.

Gene Galligan Insurance Agency Monroe, LA

I AM PIA. GENE GALLIGAN had all of his carriers exit the market after a catastrophic hailstorm. He went to a PIA meeting. His fellow agents heard about his plight and spoke with a carrier rep who appointed Gene’s agency the same day. Twenty-four years later, he’s still in business.

FIND OUT WHY IT PAYS TO JOIN PIA. WHEN YOU DO, YOU’LL BE PIA, TOO!