ACORD forms
|
•
|
QS90678 - ACORD certificates frequently asked questions
(09/25/24) |
|
- A comprehensive review of ACORD’s certificates of insurance forms, along with answers to commonly asked questions. 4 pages |
|
Agency management
|
•
|
QS91079 - A new face for your agency—PIA can help your agency be memorable
|
|
- This resource kit offers information on how to create brand recognition and ways PIA can help you. 4 pages |
|
•
|
QS90126 - Agency diversification—working with financial planners
|
|
- Overviews the benefits of financial planners and what to look for in choosing one. 2 pages |
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•
|
QS91030 - Best practices: terminating remote employees
|
|
- Offers information regarding remote workers and their return to the office. 3 pages |
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•
|
QS91074 - Boost your agency’s defense with disclaimers
|
|
- This resource kit discusses the importance of using disclaimers and offers samples of different kinds that can be used to protect the agency from potential E&O claims. 2 pages |
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•
|
QS90395 - Choosing between an S corporation and an LLC
|
|
- A comprehensive review of the difference between these two types of corporations to assist you in making this important choice. 3 pages |
|
•
|
QS91002 - COVID-19 preparedness checklist
|
|
- A comprehensive checklist for an agency to record their preventative measures associated with the COVID-19 virus. 2 pages |
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•
|
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 CEO, sales manager, and producer
(09/19/24) |
|
- This resource kit outlines how agency owners can thrive as a CEO, sales manager, and producer by spending 80% of their time on jobs that are going to bring the most return to the agency. 3 pages |
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•
|
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 |
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•
|
QS91055 - Hiring: looking forward can mean looking back
|
|
- A discussion about the benefits of hiring mid-career professionals who could be looking for a career change. 2 pages |
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•
|
QS90922 - How to break up with a client in around 300 words
|
|
- A discussion of terminating a relationship with a client, including a sample letter. 2 pages |
|
•
|
QS90766 - Importance of New Year’s resolutions for agency owners
|
|
- Discusses three key items your agency should consider for starting off the new year on the right foot. 2 pages |
|
•
|
QS90912 - Insurance agency moving checklist—planning before, during, and after
|
|
- This resource kit offers a handy guide along with helpful checklists to help make your agency’s move a smooth process. 6 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 |
|
•
|
QS29250 - New Jersey producers standards of conduct
|
|
- This document provides an easy to reference guide for regulations regarding standard of conduct for insurance producers during the course of their business. |
|
•
|
QS90790 - Opposing forces—five tips for managing your sales and service teams
|
|
- Sales and service employees are different from one another. This resource kit gives you knowledge to know the difference between the two and offers tips on getting them to work together as a team. 2 pages |
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•
|
QS90726 - Planning for the incapacity of a key employee
|
|
- This resource kit discusses how to plan for the sudden incapacity or death of a key employee. 2 pages |
|
•
|
QS90657 - Putting a priority on your time
|
|
- This resource document gives you helpful tips on how to prioritize and manage your time effectively. 2 pages
|
|
•
|
QS91021 - Stronger together—Reinforce the agent, carrier, client bond
|
|
- A discussion on the five elements that could help grow your relationship with insurance carriers. 3 pages |
|
•
|
QS90778 - The ‘other’ BI
|
|
- Offers opportunities for agency owners to mine the data they have within their agencies to plan for the future based on where they have been in the past. 2 pages |
|
•
|
QS90604 - The big questions for agency owners
(09/12/24) |
|
- 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 seven 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 |
|
•
|
QS91080 - Transitioning from an entrepreneurship to a professionally managed firm—Part 2
(09/06/24) |
|
- Part 2 in a series of four will identify and help agents better understand six critical organizational development tasks discussed in this issue. 2 pages |
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•
|
QS91081 - Transitioning from an entrepreneurship to a professionally managed firm—Part 3
(09/03/24) |
|
- Part 3 in a series of four identifies and helps agents better understand four major states and typical characteristics of those states that an organization must pass through on its way to greatness. 2 pages |
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•
|
QS91082 - Transitioning from an entrepreneurship to a professionally managed firm—Part 4
(09/18/24) |
|
- Part 4 in this series discusses the tactical transitions that a business must successfully execute. 2 pages |
|
•
|
QS90548 - Transitioning from an entrepreneurship to a professionally managed firm: Part 1
(09/03/24) |
|
- A four-part series that discusses the journey from a small business into a larger organization. 9 pages |
|
•
|
QS90758 - Underwriting: a collaboration toward profitability
|
|
- An in-depth review of how front-line underwriting can increase agency profits. 2 pages |
|
•
|
QS90953 - Update your disaster plan
|
|
- This resource kit offers three drills you can put into place to ensure your disaster plan is up-to-date. 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 |
|
•
|
QS90218 - When the insured fires the producer
|
|
- Outlines the proper use of the ACORD 35 and 36 forms when a producer and insured dissolve their business relationship. 3 pages |
|
•
|
QS90185 - Your site planning—your office set-up is more important than it seems
(08/20/24) |
|
- This document walks you through the importance of office layout in customer service and common areas that should be considered in how your agency is set up. 4 pages |
|
Agency perpetuation
|
•
|
QS90590 - 10 rules for family businesses
(10/01/24) |
|
- Ten fool-proof rules to follow for a well-run family business. 2 pages |
|
•
|
QS90817 - A smart perpetuation plan
|
|
- This resource kit discusses different options you can use when developing your agency’s perpetuation plan. 4 pages |
|
•
|
QS91017 - Agency perpetuation: the inevitable endgame
|
|
- This resource kit discusses the importance of having a perpetuation plan in place in advance to ensure your wishes are met for your agency. 3 pages |
|
•
|
QS90887 - Bring youth into your agency
|
|
- This resource kit discusses how to bring young employees into the agency setting and ensure their success. 1 page |
|
•
|
QS90913 - Embracing the future: are you prepared for the next generation of clients and employees?
|
|
- This resource kit offers strategies for identifying future clients and making changes in marketing and hiring to stay relevant in the future insurance marketplace. 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 |
|
•
|
QS90976 - Funding a deal—it’s important to make sure financing is in place before approaching a potential acquisition target
|
|
- A discussion on why it is important to take time to consider your funding strategy up front when embarking on a strategic acquisition program. 2 pages |
|
•
|
QS90934 - Get your ducks in a row—10 mistakes owners make when selling an agency
|
|
- Selling your agency is a big decision. This document lists the most common things agents don’t do but should do to be prepared. 2 pages |
|
•
|
QS90838 - Is your agency at risk? Vulnerability, operating profitability, and perpetuation are the great concerns
(09/03/24) |
|
- This resource kit discusses areas of concern for agents when it comes to agency vulnerability, operating profitability, and perpetuation. 2 pages |
|
•
|
QS90884 - Make sure it’s a good plan—prepare your agency for a successful transition
|
|
- This resource kit discusses the importance of sound business planning for the near-term and the long-term. 3 pages |
|
•
|
QS90845 - Plan on it! Develop your exit strategy sooner rather than later
(10/03/24) |
|
- Key tips on how to plan well in advance of your anticipated agency exit to ensure your personal and business goals have been met. 2 pages |
|
•
|
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 |
|
•
|
QS90908 - The millennial falcon
|
|
- This resource kit discusses pitfalls to avoid while trying to attract young and diverse individuals into the insurance industry. 2 pages
|
|
•
|
QS90780 - Transition planning: don’t ‘wait and see’—the future is closer than you think
|
|
- This resource kit discusses the importance of developing a timeframe and plan for perpetuation to ensure the greatest return when you turn over ownership. 3 pages |
|
•
|
QS90539 - Who will take ownership
|
|
- A discussion on why agencies should have a perpetuation plan including some important steps to consider when creating such a plan. 2 pages |
|
•
|
QS90783 - Your agency’s strategic business plan—‘by failing to prepare, you are preparing to fail’
|
|
- This document discusses the importance of having a strategic business plan for your agency and key topics to be included when developing your agency’s plan. 4 pages |
|
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 |
|
•
|
QS90837 - Agency ownership is a realistic dream with an array of financing options
(09/24/24) |
|
- This resource kit offers tips to help you in your decision to become an agency owner. 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?
|
|
- Addresses questions a potential agency buyer would want to answer to be sure they are financially able to make the purchase. 2 pages |
|
•
|
QS90794 - Common mistakes agency sellers should avoid even in a sellers’ market
(09/10/24) |
|
- Discusses the most common mistakes when selling an agency and what buyers are seeking to provide the greatest interest and highest prices in a seller’s market. 3 pages |
|
•
|
QS90228 - More to a merger than an agreement—consider corporate culture
|
|
- Addresses cultural shock issues that may affect employees and the agency in general when two agencies make the decision to merge. 4 pages |
|
•
|
QS90923 - Three effective strategies to fuel growth during these turbulent market conditions
|
|
- This resource kit offers strategies for agencies to increase growth during difficult market conditions. 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 |
|
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 |
|
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
|
|
- First in a series giving you a more in-depth overview of asset-based, market-based, and income-based approaches to valuation. 3 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 |
|
•
|
QS91020 - Uncover your agency’s value proposition
|
|
- A discussion on what a value proposition is and how to develop one for your agency. 3 pages |
|
Artificial intelligence
|
•
|
QS91109 - AI: Claims process automation—what agents need to know
|
|
- A discussion on how AI technologies are impacting the insurance industry the claim process. 3 pages |
|
Association information
|
•
|
QS90918 - 2023 National Underwriter/Professional Insurance Agents Independent Agent Survey
|
|
- The National Underwriter teams with Professional Insurance Agents for a research project by ALM Intelligence revealing what agents feel about technology and the challenges it poses. 7 pages |
|
•
|
QS90384 - Add PIA to your address book
|
|
- Tips you can use to get the information you need from PIA. 2 pages |
|
•
|
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 |
|
•
|
QS90999 - Delivering value to our members—products and services of PIA Northeast
|
|
- A comprehensive pamphlet outlining PIA’s vision, mission and values of this industry-leading association. 12 pages |
|
•
|
QS90054 - PIA’s Circle of Consultants
|
|
- A 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 |
|
•
|
QS90171 - Professional Insurance Agent camera-ready logos
|
|
- PIA logos available to members when creating print or web-based publications. 1 page |
|
Auto
|
•
|
QS90081 - A guide for new and used vehicle buyers: shopping for safety
|
|
- Overviews the common safety items to consider when looking to purchase a vehicle. 5 pages |
|
•
|
QS29256 - Bulletin No. 22-09: New minimum auto insurance coverage limits pursuant to P.L.2022, c.87
|
|
- A department bulletin explaining the implementation of the new minimum limit requirements. |
|
•
|
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 property damage, minimum limits, definition of property damage as defined in the endorsement, where coverage falls, and much more. 1 page |
|
•
|
QS90046 - Insurance losses by make and model 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 exposure lurking in your files?
|
|
- Discusses 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 |
|
•
|
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 |
|
•
|
QS29257 - New Jersey auto minimum limits; new limits effective Jan. 1, 2023
|
|
- Announcement of passage of the new minimum limits for automobile coverage in New Jersey. |
|
•
|
QS29045 - New Jersey entities offering DMV-approved defensive driving courses
(08/20/24) |
|
- Listing of approved New Jersey entities offering DMV-approved defensive driving courses to help reduce automobile insurance premiums. 3 pages |
|
•
|
QS90279 - Stated amount coverage
(09/03/24) |
|
- An in-depth discussion of stated-amount coverage and agreed-amount coverage and how they impact personal and commercial auto policies. 3 pages |
|
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 or the Commercial Automobile Insurance Plan. 3 pages |
|
Automation/technology issues
|
•
|
QS90545 - An agency guide to premium-comparison systems—third edition
(09/23/24) |
|
- 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 |
|
•
|
QS90831 - Automate social-media marketing
|
|
- This resource kit outlines automating social-media marketing and provides some tips for getting started. 3 pages |
|
•
|
QS91014 - BeyoncADA
|
|
- This resource kits discusses the importance of making your website ADA compliant. 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 |
|
•
|
QS90649 - Developing social-media policies for your agency
|
|
- Helps create a strategy and agency policies for bringing social media into your agency. 4 pages
|
|
•
|
QS90541 - Do you have a procedure for handling emails from your clients?
|
|
- Discusses the need to have a plan in place that your staff can follow for handling incoming/outgoing emails. 2 pages |
|
•
|
QS90940 - Do you need an upgrade?
|
|
- This resource kit talks about the importance of installing software updates when you receive them. These updates help prevent your computer from being vulnerable to attacks from outside sources and ensures the system is running to the best of its ability. 1 page |
|
•
|
QS29097 - Electronic recordkeeping regulations
|
|
- The actual New Jersey regulation that governs electronic recordkeeping requirements for insurance producers. 9 pages |
|
•
|
QS91101 - Embracing AI in insurance: A tool, not a threat
|
|
- A discussion about using AI in the insurance office along with the human element to enhance the efficiency and quality of services offered. 2 pages |
|
•
|
QS90870 - Embracing technology with the instant satisfaction generation
|
|
- This resource kit discusses how investing in technology can increase an agency’s efficiency level. 2 pages |
|
•
|
QS91107 - Everyone is texting for everything—meet your clients’ communications expectations
|
|
- An discussion on the demand for texting and how using it can be a vital tool for communicating with your clients. 3 pages |
|
•
|
QS90857 - I have issues ...
|
|
- This resource kit is a discussion on the topic of online purchasing and binding of insurance policies. 2 pages |
|
•
|
QS90936 - Insurance in the age of technology and AI
|
|
- This resource kit discusses how advanced artificial intelligence is becoming more prominent in the insurance world. 2 pages |
|
•
|
QS90945 - Is your agency’s website accessible to the blind?
|
|
- Courts consider websites to be “places of public accommodation,” which makes them accountable to the ADA. Is your website accessible? 2 pages |
|
•
|
QS90955 - It’s time for a button … the Buy Button
|
|
- This resource kit offers information on PIA’s Buy Button initiative. 1 page |
|
•
|
QS90336 - Just image-n
(09/06/24) |
|
- Discusses how document imaging can be used to its fullest potential in easing agency workloads, improving client service, and assisting with marketing efforts. 3 pages |
|
•
|
QS90823 - Maximizing mobile: from good idea to must do
|
|
- This resource kit discusses the benefits of having a mobile app available for your clients. 2 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 |
|
•
|
QS90496 - Productive agency visits by insurance carrier field representatives
|
|
- An ACORD-User Group Information Exchange guide to assist agency principals, agency staff, and insurers to work together toward common goals, increasing efficiency, and technology workflows. 13 pages |
|
•
|
QS90980 - Social-media advertising ’Bachelor’ style
|
|
- A sampling of the advertising rules agencies should be aware of when creating social-media marketing. 2 pages |
|
•
|
QS90798 - Technology use in your agency
(08/08/24) |
|
- Addresses the use of agency technology by customer service representatives. 2 pages |
|
•
|
QS90723 - Use technology to help run your business more efficiently
|
|
- A review of technology-related tools, such as Zillow, that assist in agency workflow efficiency. 4 pages |
|
•
|
QS91053 - Who’s liable for a website’s content?
|
|
- A discussion on website liability, who is responsible for the website’s content. 2 pages |
|
•
|
QS90893 - Your agency needs a little push—take advantage of marketing micro-moments with the power of push notifications
|
|
- This resource kit talks about using push notifications for marketing and how they are among the fastest ways to get a message in front of your audience. 2 pages |
|
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 |
|
•
|
QS29193 - Miscellaneous provisions relating to New Jersey cancellations and nonrenewals
|
|
- 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 |
|
•
|
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 |
|
•
|
QS29263 - Sample market withdrawal letter
|
|
- A sample letter agents can send to their clients about an upcoming company withdrawal, which explains to the clients what they can expect. 1 page |
|
Certificates of insurance
|
•
|
QS90885 - A look at certificates of insurance
|
|
- This resource kit provides an overview of some recent court decisions regarding the issuance of certificates of insurance. 2 pages |
|
•
|
QS29089 - Certificates of insurance—for information only
(09/24/24) |
|
- Comprehensive discussion of the legalities, policy terms, E&O concerns, and cancellation issues with certificates of insurance. 6 pages |
|
•
|
QS91050 - Certificates of insurance-an agent’s legal actions and recourse
|
|
- This resource kit explores various laws for states in the Northeast pertaining to what can and cannot be included on certificates of insurance. 2 pages |
|
•
|
QS91058 - COI and failure to place or renew coverage
|
|
- Offers suggestions on how to avoid E&O claims related to certificates of insurance and the failure to place or renew coverage. 2 pages |
|
•
|
QS90763 - More on additional insureds
(10/02/24) |
|
- 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 |
|
•
|
QS29239 - New Jersey law forbids certain certificate of insurance requests
|
|
- A comprehensive question-and-answer piece for agents and brokers regarding Chapter 195 of the Laws of 2015 regarding the proper use of certificates of insurance. 2 pages |
|
•
|
QS90348 - Requests for ‘primary and noncontributory’ language on certificates
(10/03/24) |
|
- 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 |
|
Climate change
|
•
|
QS91103 - Background on: climate change and insurance issues
|
|
- A comprehensive review by the Insurance Information Institute on climate change and how it impacts consumer’s insurance coverages. 10 pages |
|
Commercial auto
|
•
|
QS29261 - Bulletin No. 24-07: New minimum limits of liability insurance commercial motor vehicle and/or autocabs, P.L. 2023, c. 276
|
|
- A bulletin from the Department of Banking and Insurance outlining the changes with commercial auto liability minimum limits. 3 pages |
|
•
|
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
(09/30/24) |
|
- Outlines several different exposures involved in insuring corporate vehicles and how best to cover each situation. 4 pages |
|
•
|
QS91033 - ISO introduces 2020 Commercial Auto Program
|
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- An overview of ISO’s 19 new endorsements for it’s 2020 Commercial Auto Program. 3 pages |
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•
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QS29262 - Sample letter: commercial auto minimum limit increase
|
|
- A sample letter insurance producers can send their clients outlining the new changes with the commercial auto limits.1 page |
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Commercial liability
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•
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QS90045 - 1995 ISO CGL—defense costs of an indemnitee
|
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- 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 |
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•
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QS90414 - Advantages and disadvantages of additional insured status
|
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- Addresses issues that arise when requesting an additional insured be added to a commercial general liability policy. 3 pages |
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•
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QS90996 - Business interruption coverage basics
|
|
- An overview of business interruption coverage and the importance of proper coverage limits to avoid E&O exposures. 2 pages |
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•
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QS90244 - Claims-made vs. occurrence trigger
(09/10/24) |
|
- A comprehensive discussion of claims-made and occurrence policies, including an explanation of retro dates. 4 pages |
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•
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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 |
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•
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QS91049 - Contractors: five key CGL coverage traps
|
|
- This document discusses how to find these traps and make sure that your contractor client has the coverage he or she needs. 3 pages |
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•
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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 |
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•
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QS90995 - I made it for someone else, but I own the liability
|
|
- An in-depth discussion on product liability. 3 pages |
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•
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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 |
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•
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QS90499 - Incestuous suits
|
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- A discussion on the cross liability situations that may arise on a commercial general liability policy. 3 pages |
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•
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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 |
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•
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QS90430 - ISO 2004 CGL—mobile equipment redefined
|
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- Outlines the numerous revisions made by Insurance Services Office Inc. in the 2004 Commercial General Liability multistate forms and endorsements filing; provides a brief synopsis of the more substantive changes; and includes an at-a-glance chart. 4 pages |
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•
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QS90708 - ISO 2013 GL Program changes are likely to please some producers
|
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- This resource kit discusses some of the ISO General Liability program changes that took effect April 1, 2013. 3 pages |
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•
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QS90133 - ISO CGL 1998
|
|
- A discussion of ISO’s 1998 CGL filing highlighting tenants legal liability; personal and advertising injury; and the pollution exclusion. 4 pages |
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•
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QS90819 - ISO responds to commercial drone use
(10/03/24) |
|
- Overview of ISO’s commercial drone filing. 2 pages |
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•
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QS90994 - ISO’s 2019 general liability multistate endorsements
|
|
- This document offers an overview of the ISO General Liability multistate endorsements and revised endorsements becoming effective Dec. 1, 2019. 5 pages
|
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•
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QS90796 - Please don’t slam the door shut
|
|
- This resource kit discusses the functions of claims-made and reported policies. 2 pages |
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•
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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 |
|
Commercial property
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•
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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 |
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•
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QS90611 - 2010 ISO BOP pushes the envelope
|
|
- This resource kit outlines the 2010 edition of the ISO Businessowners Policy program and the new endorsements included in the program. 5 pages |
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•
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QS90786 - BIC for the lessee
(09/10/24) |
|
- This resource kit discusses coverages and exclusions when applying business income coverage on a commercial building. 2 pages |
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•
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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 |
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•
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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 |
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•
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QS91072 - List of property building cost estimators
|
|
- A listing of firms that offer building cost estimating products. 1 page |
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•
|
QS91029 - Micropolicy for a microbusiness
|
|
- This resource kit offers information on ISO’s new Micro-Businessowner Program. 3 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 |
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•
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QS90704 - The ISO 2012 Commercial Property forms revisions
|
|
- Reviews the changes effective in 2013 with ISO’s 2011 Commercial Property program. 3 pages |
|
•
|
QS90769 - Understanding tenants’ improvements coverage—again
(09/27/24) |
|
- This resource document will help bring clarity to the topic of tenants improvements and betterments coverage in the ISO Building and Personal Property Coverage Form (CP 00 10). 3 pages |
|
Commission and disclosure
|
•
|
QS91095 - Agents’ primer: Premium trust accounts and commissions
|
|
- This resource kit outlines of some of the most important things to keep in mind when complying with all legal responsibilities of the profession in connection with premium trust accounts and commissions. 2 pages |
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•
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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 |
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•
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QS91099 - Insurance carrier do’s and don’ts: commission cuts
|
|
- Reviewing agency agreements before signing helps to ensure your agency’s knows what the commission levels are and how and when those levels can change. 2 pages |
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•
|
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 |
|
Company appointments
|
•
|
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
|
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•
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QS90937 - From the ground up—establish solid business practices with your carriers
|
|
- This resource kit discusses frustrations that can arise between agents and carriers and gives some ideas on how to alleviate those frustrations. 2 pages |
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•
|
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 |
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•
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QS90975 - Make your carrier your best friend—strong agency-carrier relationships
|
|
- A resource kit offering ways to keep your agency-carrier relationships flourishing. 2 pages |
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•
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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, MGAs, and GAs in finding each other for possible appointments. 2 pages |
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•
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QS90446 - Six steps to true carrier partnerships
|
|
- Gives you the information you need to create and maintain a healthy relationship with the carriers with which you do business. 3 pages |
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•
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QS90939 - The agent-carrier relationship—new customers, efficiency, and customer service are vital
|
|
- This resource kit focuses on the importance of acquisition, protection, and retention of clients as a foundation for carriers and agents working together as a team. 2 pages |
|
Company insolvency/rehabilitation
|
•
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QS90399 - Carrier ratings: do they really matter?
|
|
- Review of carrier ratings and how they could impact your agency’s business. 2 pages |
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•
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QS91078 - Carrier ratings: have the necessary process in place
|
|
- Offers a list of things you should do if one of your carriers has a rating change. 2 pages |
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•
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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 |
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•
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QS29137 - Order No. A24-05—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 |
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•
|
QS90249 - Sample customer letter upon downgrading of insurer
|
|
- Sample verbiage agents may personalize to notify clients that a carrier’s A.M. Best rating has been lowered. 1 page |
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•
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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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•
|
QS31449 - What you need to know about Adirondack Insurance Exchange and Mountain Valley’s exit from the New York market
|
|
- A comprehensive consumer flyer outlining what clients can expect with Adirondack and Mountain Valley’s exit. 1 page |
|
Consumer content
|
•
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QS90951 - A homeowners policy amended by the HO 06 48 endorsement requires the insured to reside in the dwelling
|
|
- Offers some commonly asked questions and answers regarding the ISO HO 06 48 endorsement. 1 page |
|
•
|
QS90353 - A household inventory—well worth the time
|
|
- Consumer flyer on the importance of having a household inventory to support a claim. 1 page |
|
•
|
QS90376 - Additional liability coverage is important
|
|
- A consumer flyer outlining the exposures and need for a personal umbrella policy. 1 page |
|
•
|
QS90358 - Affordable insurance for renters
(10/01/24) |
|
- A question-and-answer consumer piece that answers the most commonly asked questions about renters insurance and exposures of a tenant. 1 page |
|
•
|
QS29246 - An explanation of New Jersey’s no-fault law and automobile PIP insurance benefits
(09/17/24) |
|
- A comprehensive question-and-answer piece outlining New Jersey’s no-fault law. 3 pages |
|
•
|
QS90262 - Answers to questions you may have before going on vacation
|
|
- A consumer-oriented flyer that answers questions clients may ask about insurance coverage for items while they are vacationing. 1 page |
|
•
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QS90238 - Attention contractors: worker safety and health do affect our insurance premiums
|
|
- A question-and-answer piece on how OSHA rules affect contractors. 2 pages |
|
•
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QS29031 - Before saying yes to a loan, be sure to see your professional insurance agent—force-placed insurance
|
|
- Consumer flier discussing bank loans and the requirement for insurance. Defines force-placed insurance. 1 page |
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•
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QS29218 - Cell phone safety—driving home the importance
|
|
- A consumer flier developed to alert consumers about cell phone use. 1 page |
|
•
|
QS29232 - Certificates of insurance
|
|
- A 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
(09/06/24) |
|
- A question-and-answer piece that addresses some of the common commercial umbrella questions your commercial-lines clients might have. 1 page |
|
•
|
QS90351 - Crime prevention begins at home
(09/20/24) |
|
- An easy-to-understand consumer flyer that addresses steps an insured can take in their home to reduce the chance of a theft. 1 page |
|
•
|
QS90687 - Cyber security insurance—what is it and why do I need it?
|
|
- A consumer flyer outlining the exposures that a business faces when it comes to cyber security risks. 2 pages |
|
•
|
QS90784 - Do I have any control over my auto insurance premiums?
|
|
- A question-and-answer piece that offers tips for consumers on how to lower their auto insurance premiums. 2 pages |
|
•
|
QS29139 - Do I need a separate insurance policy for my boat?
(09/26/24) |
|
- A 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
|
|
- A consumer flyer that offers safety tips for trick-or-treaters. 1 page |
|
•
|
QS90619 - Earthquake coverage not included in business insurance policies
|
|
- A small business-oriented flyer that brings out the exposures businesses face with regard to earthquake exposures that is easily copied onto your agency letterhead. 1 page |
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•
|
QS90350 - Earthquake coverage not included in homeowners insurance policies
|
|
- A consumer flyer that addresses earthquake coverage options and applicable waiting periods. 1 page |
|
•
|
QS90261 - Enjoy your summer without getting burned
|
|
- Safety issues consumers want to be aware of during the summer season. 1 page |
|
•
|
QS90245 - Flood damage: is my home covered?
|
|
- A consumer piece that answers commonly asked questions about flood insurance. 1 page |
|
•
|
QS90366 - Frozen pipes and other ice and snow damage
|
|
- 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 flyer that outlines the insurance considerations of parents who have children going to college. 1 page |
|
•
|
QS90357 - High-rise residents have unique fire precaution concerns
(09/27/24) |
|
- Answers to questions a high-rise resident might have to ensure their proper evacuation from a burning building. 1 page |
|
•
|
QS90270 - Holiday gifts and insurance coverage
|
|
- Answers to commonly asked questions on holiday gifts and their insurance implications. 1 page |
|
•
|
QS90948 - Home sharing and your homeowners policy
|
|
- A comprehensive question-and-answer piece outlining the exposures when you rent your home out. 1 page |
|
•
|
QS90364 - Homeowners insurance basics
|
|
- A question-and-answer consumer flyer that addresses questions your homeowner insureds might ask. 1 page |
|
•
|
QS90359 - How to keep your vehicle safe from car thieves
|
|
- A comprehensive question-and-answer flyer regarding protecting your vehicle from theft. 1 page |
|
•
|
QS90363 - How to save money on auto insurance
|
|
- Tips for consumers on how they can save on their auto insurance rates. 1 page |
|
•
|
QS90556 - Identity theft—who’s been in your wallet?
|
|
- 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 flyer addressing the insurance issues that can arise when a couple decides to separate or divorce. 2 pages |
|
•
|
QS90362 - Insuring your in-home business
(09/20/24) |
|
- An easy-to-understand, consumer-oriented piece that addresses the coverage exposures when someone decides to open an in-home business. 1 page |
|
•
|
QS29229 - New Jersey implements Graduated-Driver-License Law; enhanced by Kyleigh’s Law
|
|
- A consumer-oriented flier that answers questions clients may ask about New Jersey Graduated-Driver-License Law. 1 page |
|
•
|
QS29259 - New Jersey new commercial auto minimum limits
|
|
- A comprehensive consumer flyer outlining the new changes with the commercial auto limits.1 page |
|
•
|
QS29249 - New Jersey ride hailing: Income Lyft or Uber dangerous?
|
|
- A comprehensive question-and-answer piece that addresses the common questions about ride-hailing exposures. 1 page |
|
•
|
QS29171 - New Jersey’s auto physical damage inspections—what car owners need to know
|
|
- 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
|
|
- 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
|
|
- Answers to commonly asked questions regarding how to properly insure stamp collections, fine arts, and jewelry. 1 page |
|
•
|
QS90361 - Personal life insurance: the basics
|
|
- 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
|
|
- A question-and-answer piece discussing business interruption insurance and how it applies during a catastrophe. 2 pages |
|
•
|
QS90482 - Questions that business owners may have about their property loss claim following a catastrophic event
(08/21/24) |
|
- A consumer-oriented flyer 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
|
|
- 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
|
|
- An explanation of replacement cost coverage to allow consumers to make an informed decision when purchasing homeowners coverage. 1 page |
|
•
|
QS90356 - Storm damage—what’s covered?
|
|
- A consumer flyer answering commonly asked questions regarding how to protect your property from storm damage and what damages are covered under homeowners policies. 1 page |
|
•
|
QS90705 - The basics on ‘fracking’
|
|
- A helpful consumer flyer explaining hydraulic fracturing and coverage under a homeowners policy. 1 page |
|
•
|
QS90355 - The dangers of drunken driving
|
|
- 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 |
|
•
|
QS90522 - The facts of prescreened insurance offers
|
|
- A comprehensive question-and-answer piece that explains what prescreened insurance offers are and how they work. 1 page |
|
•
|
QS29144 - Understanding New Jersey surplus lines
|
|
- 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?
|
|
- 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
|
|
- A consumer flyer 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 |
|
•
|
QS29245 - What to know before you raise a 350,000-pound home 10 feet in the air: insurance requirements for home-elevation contractors
|
|
- A question-and-answer piece that outlines home-elevation contractor insurance requirements. 1 page |
|
•
|
QS90736 - What you need to know about disaster-related casualties and your personal taxes
|
|
- A comprehensive consumer flyer explaining some of the tax implications of disaster-related losses. 2 pages |
|
•
|
QS29220 - What you need to know about the Special Automobile Insurance Policy
|
|
- 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 you volunteer
(09/26/24) |
|
- A comprehensive question-and-answer piece that outlines exposures for those that volunteer their time. 2 pages |
|
•
|
QS90990 - What you should consider before changing auto insurers
|
|
- A consumer flyer on things that should be considered before changing auto insurance carriers. 1 page |
|
•
|
QS91105 - Why is my insurance being affected by the hard market?
|
|
- A consumer flyer outlining some of the commonly asked questions about the current hard market. 2 pages |
|
•
|
QS90275 - Winter driving tips
|
|
- Tips all drivers can use when dealing with winter weather and impaired driving conditions. 1 page |
|
•
|
QS90271 - Wintertime and fire safety
|
|
- A consumer piece that deals with woodburning stoves and other holiday season safety issues. 1 page |
|
•
|
QS29234 - Workers’ compensation election for sole proprietors, partners, and LLC members
(09/18/24) |
|
- A one-page flier that addresses the workers’ compensation issues surrounding limited liability companies. 1 page |
|
•
|
QS29224 - Workers’ compensation insurance penalties in New Jersey
|
|
- 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 |
|
•
|
QS90374 - Your young drivers—help them play it safe
|
|
- A consumer flyer on the insurance exposures of teen drivers answering parent’s commonly asked questions. 1 page |
|
Consumer materials
|
•
|
QS91106 - Hard market sample client letter
|
|
- A sample client letter addressing the hard market and issues clients might be seeing. |
|
•
|
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 |
|
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 |
|
•
|
QS91060 - Be alert: red flags in agency agreements
|
|
- This resource kit discusses a few clauses popping up in agency agreements. 3 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 |
|
•
|
QS91104 - FAQ: U.S. Federal Trade Commission non-compete ban
(08/21/24) |
|
- A comprehensive FAQ on what this ban means to insurance agents. 2 pages |
|
•
|
QS90804 - Is your agency making expensive promises?
|
|
- This resource kit gives insight into what could be intended as nothing more than an enthusiastic declaration of dedication to help secure coverage, which could put an agency on the hook for more than it may have considered. 3 pages |
|
•
|
QS90791 - It’s more than who owns the book of business
|
|
- The issue of who owns a book of business goes beyond carrier-agency relationships. This resource kit discusses the different types of relationships and how to protect your ownership of a book of business. 2 pages |
|
•
|
QS29189 - New Jersey producer contracts
|
|
- 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 |
|
•
|
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 |
|
•
|
QS91042 - What is a restrictive covenant; why do I care?
|
|
- Understanding what restrictive covernants are and the limitations that exist for both employers and employees will help you pick the agreement that is a good fit for everyone. 3 pages |
|
•
|
QS90728 - Who really owns the book of business?
|
|
- A comprehensive review of agency/company agreements and, in particular, ownership rights. 2 pages |
|
Coronavirus (COVID-19)
|
•
|
QS91013 - Additional information about paid medical, family, and sick leave rules
|
|
- A compilation of frequently asked questions regarding the federal Families First Coronavirus Response Act paid medical, family, and sick leave legislation. 2 pages |
|
•
|
QS29251 - An In-Depth Review of Workers’ Compensation Law Protecting Essential Workers
|
|
- A resource kit outlining the Workers’ Compensation Law for COVID-19 essential workers. 2 pages |
|
•
|
QS91032 - Business interruption and recent lawsuits
|
|
- A discussion on recent court cases involving business interruption and exclusions for pandemics. 3 pages |
|
•
|
QS91001 - COVID-19: what you need to know
|
|
- A compilation of insurance-related information and resources relating to the COVID-19 pandemic. 7 pages |
|
•
|
QS91010 - FAQ on SBA Paycheck Protection Program loans
|
|
- A comprehensive FAQ piece on the SBA loan application process. 2 pages |
|
•
|
QS91012 - FFCRA paid medical and family leave
|
|
- A comprehensive overview of the Families First Coronavirus Response Act paid medical and family leave changes in light of COVID-19. 2 pages |
|
•
|
QS91011 - How to prepare to apply for an SBA Paycheck Protection Program loan
|
|
- Steps to prepare for applying for a loan through the SBA Paycheck Protection Program. 2 pages |
|
•
|
QS91031 - Lessons from COVID: stay connected with clients
|
|
- This resource kit offers information on ways to stay in touch with your clients through electronic communications. 2 pages |
|
•
|
QS91003 - Paid Sick Leave signed by president
|
|
- An outline of the Paid Sick Leave legislation in response to COVID-19. 1 page |
|
•
|
QS91009 - President signs federal stimulus package; includes loans for small businesses
|
|
- A comprehensive summary of the federal stimulus package. 1 page |
|
•
|
QS91004 - Sample client letter—Insurance coverages and COVID-19
|
|
- A sample letter that you can adapt for your individual agency to explain the business interruption commercial property exposure of COVID-19. 1 page |
|
Coverage checklists
|
•
|
QS90750 - BOP vs. CPP
|
|
- Discussion of the differences between a businessowners policy and a commercial package policy. 3 pages |
|
•
|
QS90739 - Catastrophes stress 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 |
|
•
|
QS90782 - Commercial property valuation/limit checklist
(10/01/24) |
|
- A comprehensive customer checklist to use when working to determine property valuations. 2 pages |
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•
|
QS90272 - Homeowners exposure survey
(09/09/24) |
|
- 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 |
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•
|
QS90679 - Sample commercial-lines coverage checklist
(10/04/24) |
|
- A sample checklist for commercial lines that you can use when reviewing exposures with your commercial-lines clients. 2 pages |
|
•
|
QS90680 - Sample life insurance coverage checklist
(10/03/24) |
|
- A sample checklist that you can use when reviewing life insurance exposures with your clients. 2 pages |
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•
|
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 has a spot for insureds to initial if they choose not to select a particular coverage. 2 pages |
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•
|
QS90583 - Workers’ compensation: insurance and risk management checklist
(09/24/24) |
|
- A comprehensive checklist to assist insurance professionals when reviewing workers’ compensation policies with their clients. 2 pages |
|
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 |
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•
|
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 |
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•
|
QS90485 - 2006 ISO BOP
|
|
- Summarizes the Insurance Services Office Inc.’s 48 changes to the BP 00 03 coverage form, 32 changes to multistate endorsements, and 11 new multistate endorsements. 3 pages |
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•
|
QS90057 - A primer on surety
|
|
- Offers a basic knowledge of surety fundamentals that will assist agents in serving their clients. 3 pages |
|
•
|
QS90979 - Active shooter: is there coverage?
(10/03/24) |
|
- Discusses how a general liability policy would respond to an active-shooter negligence claim. 3 pages |
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•
|
QS90924 - Additional insureds vs. named additional insureds
|
|
- An in-depth discussion of the differences between additional insureds and named additional insureds. 3 pages |
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•
|
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
(09/11/24) |
|
- Discusses the coverage issues presented by bailments and how they are properly handled. 3 pages |
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•
|
QS90418 - Bailment basics
|
|
- Outlines the legal theories that create exposures to financial loss. 3 pages |
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•
|
QS91108 - Best practices to assist clients during the claims process
|
|
- This document offers suggestions for things agents should consider while guiding clients through the claims process. 2 pages |
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•
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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 |
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•
|
QS90820 - Boom!—boiler and machinery exposures
|
|
- This resource kit discusses ways to provide coverage for boiler and machinery exposures. 4 pages |
|
•
|
QS90993 - Cannabis insurance coverage
|
|
- This resource kit discusses issues likely to confront the insurability of the cannabis industry along with summaries of court decisions on the subject. 5 pages |
|
•
|
QS91019 - Catch the wave—how AI will affect insurance buying
|
|
- This resource kit explains some aspects of artificial intelligence and how it will affect the way consumers do business in the digital world. 8 pages |
|
•
|
QS90630 - Cyber insurance
|
|
- This resource kit discusses what cyberliability is, how it can affect your business, and what exposures you may have. 3 pages |
|
•
|
QS90957 - Indemnity Jones and the raiders of the lost policy
|
|
- Discusses the importance of keeping track of older policies and records for evidence to help respond to a present claim. 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 |
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•
|
QS90656 - Insurance policy comparison firms
|
|
- A listing of insurance policy comparison firms who can assist you in comparing policies for your clients. 1 page |
|
•
|
QS90459 - Insureds going through divorce—avoiding collateral damage
(08/08/24) |
|
- 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 |
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•
|
QS91056 - Insuring Hogwarts: a guide for Muggle schools
|
|
- Offers a discussion on how to insure schools against student injuries, angry parents, and outside risks. 2 pages |
|
•
|
QS90597 - Is D&O liability covered under a homeowners policy?
|
|
- Reviews items that should be considered when discussing directors and officers liability exposures with your clients who volunteer for nonprofit boards of directors. 2 pages |
|
•
|
QS90402 - ISO 2002 eligibility changes for garage risks
|
|
- Addresses what to consider when converting a service risk from the garage policy. 3 pages |
|
•
|
QS90056 - ISO Underground Storage Tank Program
|
|
- Outline of ISO’s Underground Storage Tank Program that offers a self-contained policy and discussion of its features. 2 pages |
|
•
|
QS90920 - It’s a coverage trap!
|
|
- The resource kit focuses on exclusions and/or coverage restrictions that can sometimes be hidden in your insureds’ policies. 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
(08/06/24) |
|
- 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
(09/03/24) |
|
- 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 |
|
•
|
QS91093 - Parametric disaster insurance
|
|
- A discussion on what parametric disaster insurance, how it works and who is using it. 2 pages |
|
•
|
QS29235 - Parental liability for a child’s use of an auto
|
|
- Addresses common questions when a vehicle is owned and insured independently by a resident relative. 3 pages |
|
•
|
QS90998 - Protection for good guys
(10/03/24) |
|
- A discussion of coverages to have in place for protecting nonprofits and their officers, directors, and volunteers. 2 pages |
|
•
|
QS90438 - Reservation of rights letters and non-waiver agreements
|
|
- A discussion of what a reservation of rights letter means with regard to coverage, including tips on producer involvement. 3 pages |
|
•
|
QS90323 - Sub-ro-ga-tion
(09/06/24) |
|
- Provides an explanation (with examples) of subrogation and how it applies to specific types of policies. 4 pages |
|
•
|
QS90423 - The dreaded coinsurance exam question
(08/07/24) |
|
- For the insurance novice or the more experienced practitioner who has not quite been able to conquer the coinsurance concept. 4 pages |
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•
|
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
(09/18/24) |
|
- Explains how automobile 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?
(08/21/24) |
|
- A comprehensive definition of policy territories when it states the United States of America, its territories, or possessions. 4 pages |
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•
|
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, New Hampshire, and Vermont dog-bite laws, including specific approaches taken. 3 pages |
|
Credit reports
|
•
|
QS29215 - What insurers must tell consumers when using credit information in underwriting
(08/06/24) |
|
- 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?—insurance scores, MVRs, credit reports and their compliance issues
|
|
- Extensive discussion on credit reports, agent responsibilities, and privacy issues with insurance scoring. 12 pages |
|
Customer service
|
•
|
QS90966 - ‘We’ve always done it this way’—it’s time to re-examine your carrier service centers
|
|
- A discussion of what carrier service centers have to offer and how they could be a good fit for your agency. 3 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
(08/22/24) |
|
- This resource kit provides tips on how to attract and retain good CSRs. 2 pages |
|
•
|
QS90799 - Broker liability: duty to defend
|
|
- This resource kit discusses brokers being held liable for the insurance purchasing advice they provide to clients. 2 pages |
|
•
|
QS90856 - Can your customers bind coverage by simply sending you an email?
(09/10/24) |
|
- A discussion of the necessity of having an email disclaimer for E&O purposes. 2 pages |
|
•
|
QS90474 - Cash, swag, and recognition—What motivates your CSRs?
(09/06/24) |
|
- Ideas to help successfully motivate CSRs and improve the climate of their working environment. 3 pages |
|
•
|
QS90610 - Customer service centers can help your agency in today’s competitive market
(10/02/24) |
|
- Offers information on customer service centers and how using them could be beneficial to your agency. 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 both parties, using the three strategies discussed in this resource kit. 3 pages |
|
•
|
QS90965 - Duty-of-care best practices
|
|
- Offers a few best practices your agency can adopt to help minimize your E&O exposure. 2 pages |
|
•
|
QS90775 - Five tips for helping your service team sell
|
|
- This resource kit provides you with tips to help your customer service team try their hand at making sales. 2 pages |
|
•
|
QS90477 - Handling the irate caller
(08/29/24) |
|
- Provides some basic strategies to use when speaking with unhappy, irate customers. 2 pages |
|
•
|
QS90307 - How well do you know your clients?
|
|
- Stresses the importance of knowing your customers so that you can provide the best coverage possible. 2 pages |
|
•
|
QS90293 - Making the customer connection
(09/18/24) |
|
- A five-step process that will allow you to reveal needs and create value regarding the products and services you offer. 3 pages |
|
•
|
QS90685 - Maximize customer relationships in an unpredictable economy
|
|
- Some popular methods in today’s tough economy to retain good customers. 3 pages |
|
•
|
QS90312 - Personal relationships work far better than sales techniques—satisfied customers make great salespeople
(09/24/24) |
|
- Teaches how important personal relationships are to creating successful businesses. 2 pages |
|
•
|
QS90802 - Sample electronic delivery consent form
|
|
- A sample consent form allowing you to electronically transmit policy information to your clients with their written sign-off. 1 page |
|
•
|
QS90800 - What’s on your customer service checklist?
(09/10/24) |
|
- A checklist of five ways to improve customer service and win long-term repeat and referral business. 2 pages |
|
•
|
QS90163 - Working the phones—seven tips to make your call center more customer friendly
(08/19/24) |
|
- Covers seven tips that will increase the effectiveness of your agency call center to provide the utmost in customer service. 2 pages |
|
Cybersecurity
|
•
|
QS91046 - Capacity enhancement guide—implementing strong authentication
(10/02/24) |
|
- This guide discusses the importance of implementing strong authentication. 9 pages |
|
•
|
QS90982 - Creating a third-party service provider security policy—how to comply with Section 500.11 of New York’s cyber security regulation
|
|
- A discussion of the requirements of New York’s cyber security Regulation Section 500.11 with a questionnaire to assist in complying. 1 page |
|
•
|
QS91067 - Cyber security challenges and remote workers—trends and best practices
|
|
- Offers a discussion about cyber security challenges surrounding remote workers and offers some suggestions for keeping your data safe from ransomeware. 3 pages |
|
•
|
QS90929 - Cybersecurity and the agency contract
|
|
- A discussion on cybersecurity clauses that are becoming more popular in agency contracts. 2 pages |
|
•
|
QS90984 - Cybersecurity: play offense for your defense
|
|
- An overview of steps you can take to protect your agency from a cyber attack. 2 pages
|
|
•
|
QS90930 - Equifax credit breach
|
|
- This resource kit offers information on the Equifax credit breach, credit freezes, and what all this could mean for policyholders. 1 page |
|
•
|
QS90928 - Equifax: the insurance questions and answers
|
|
- This resource kit offers information on Equifax, insurance coverages available to protect against data security breaches, and what consumers can do to protect themselves. 2 pages |
|
•
|
QS90970 - Establishing your data-retention policy—how to comply with NYCRR 500.13: limitations on data retention
|
|
- This resource kit outlines the requirements of NYCRR 500.13 within New York state’s cyber security regulation for all producers writing business in New York state. 2 pages |
|
•
|
QS90905 - Everything you need to know about the New York State Department of Financial Services’ cyber security requirements for financial services companies but were afraid to ask—23 NYCRR 500
|
|
- A comprehensive review of the requirements of the New York State Department of Financial Services’ new cyber security regulation. 14 pages |
|
•
|
QS91069 - How do I advise my clients on what matters most? An insurance agent’s guide to cybersecurity
|
|
- A discussion about things you and your insureds can do to protect yourselves from a cyber attack. 5 pages |
|
•
|
QS91068 - Managing risks with cyber liability policies
|
|
- A discussion on the cyber liability policy, its sublimits and exclusions, and how understanding those requirements can help clients manage their risks for a minimal impact on their operations. 3 pages |
|
•
|
QS91045 - Multi-factor authentication
(10/01/24) |
|
- This document gives an overview of what multi-factor authentication is and why it is so important. 1 page |
|
•
|
QS90941 - National Association of Insurance Commissioners cyber security model law
|
|
- Offers a PIA summary and the text of the National Association of Insurance Commissioners cybersecurity model law. 10 pages |
|
•
|
QS90956 - Patch your computers and reduce your risk
|
|
- Provides seven steps to take to build an effective patch-and-vulnerability management program. 1 page |
|
•
|
QS90959 - Ransomware is a real menace
(08/21/24) |
|
- Ransomware is a popular cybersecurity attack. This resource kit provides prevention and recovery tactics for agents to address this threat with confidence and success. 2 pages |
|
•
|
QS90961 - The NAIC model law
|
|
- The NAIC Model Law and the NYDFS regulation on cybersecurity are similar in many respects, but there are some notable differences. This resource kits offers an overview of each. 2 pages |
|
•
|
QS91064 - Understanding the true costs of data breaches
|
|
- Offers a discussion on the legal liabilities following a data breach. 3 pages |
|
•
|
QS90986 - Want new ways to outwit hacks?—cybersecurity 2024
|
|
- Offers some suggestions and recommendations for a strategic approach to cybersecurity. 3 pages
|
|
•
|
QS91066 - Watch out for those (cyber) exposures
|
|
- Cyber exposures have evolved over the last few years. It’s important to agents to keep clients apprised of new exposures and how to protect themselves from these types of threats. 3 pages |
|
Education
|
•
|
QS90502 - Continuing education/licensing renewal tracking services
|
|
- 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
(08/21/24) |
|
- 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 |
|
Employee staffing
|
•
|
QS90198 - Avoid common hiring mistakes to select top talent
|
|
- 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 |
|
•
|
QS90594 - Personality and aptitude assessment firms
(10/04/24) |
|
- 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 |
|
•
|
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 action plans, self evaluations, and so much more. 14 pages |
|
Employee training
|
•
|
QS90580 - Four easy ways to boost productivity
(09/06/24) |
|
- Changes that could lead your agency to a more streamlined, productive, and successful year. 2 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 |
|
•
|
QS90464 - Transitioning to a specialty agency model—training that gets results
|
|
- Discusses the need to train existing employees on the importance of becoming more specialized in their product offerings. 5 pages |
|
•
|
QS90537 - Understanding and effectively utilizing progressive discipline
|
|
- Provides tips to help employers deal with employee discipline,and attempt to address and correct performance and conduct concerns. 3 pages |
|
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 |
|
•
|
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 |
|
•
|
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 |
|
•
|
QS29247 - New Jersey Minimum Wage Law
|
|
- An overview of the New Jersey Minimum Wage Law, which was signed into law on Feb. 4, 2019. 2 pages |
|
Errors and omissions
|
•
|
QS90835 - Agency producers: we need your total E&O committment
|
|
- A discussion of how a producer’s commitment to an agency can play an integral role in the agency’s success. 2 pages |
|
•
|
QS91091 - Agency sales producers: Your total E&O commitment
|
|
- A review of key points to remember when dealing with clients to avoid the potential for E&O claims. 2 pages |
|
•
|
QS90525 - Agents and brokers errors and omissions
(09/26/24) |
|
- An informative piece put out by The National Underwriter Co. discussing professional liability insurance for agents and brokers. 9 pages |
|
•
|
QS90927 - Are you holding your customers accountable?
|
|
- A discussion of the importance of keeping well-documented records of dealings with your clients to avoid E&O situations. 2 pages
|
|
•
|
QS91094 - Are you setting your agency up for a claim?
|
|
- Offers guidance on the components of good documentation and when documentation should take place. 2 pages |
|
•
|
QS91070 - Common causes for E&O claims: policies and claims
|
|
- Offers a discussion on some of the most common E&O claims and how to avoid them. 1 page |
|
•
|
QS91054 - Communicating with your clients via social media
|
|
- This article discusses how to use social media to effectively protect yourself from errors-and-omissions issues. 2 pages |
|
•
|
QS90963 - Dangers of signing your client’s name
|
|
- A discussion of things that can go wrong if you sign your client’s name on an insurance document for them. 1 page |
|
•
|
QS91086 - Declined coverage form: A vital marketing, E&O tool
|
|
- Using this one tool can help you provide your clients with the relevant coverage options available, which can increase their financial security and your agency’s sales, while protecting your agency from E&O claims for failing to offer the correct coverage or limits. 2 pages |
|
•
|
QS90926 - Did the carrier provide all the coverages you requested?
(09/03/24) |
|
- This resource kit discusses the importance of comparing carrier proposals and the application to avoid an E&O claim. 1 page |
|
•
|
QS90781 - Don’t let your agency get sunk by a watercraft E&O claim
|
|
- This resource kit discusses how to properly cover watercraft to avoid the chances of an E&O claim. 2 pages |
|
•
|
QS90968 - Fact or fiction? E&O claim reporting period
|
|
- This resource kit offers a discussion on claim-reporting periods and the importance of adequate tail coverage to cover claims reported later on down the road. 1 page |
|
•
|
QS91100 - Failure to give proper advice: commercial lines
|
|
- Offers some real-life commercial-lines insurance claims, and advice on what you could do to avoid similar E&O claims in your agency. 2 pages |
|
•
|
QS90470 - Have you ever audited your agency?
|
|
- Using two distinct approaches, these internal auditing procedure tips will help agencies identify their specific areas of E&O concern. 2 pages |
|
•
|
QS90851 - How management shapes an agency’s E&O culture
|
|
- Critical reminders for management that play a significant role in minimizing the potential for E&O claims. 2 pages |
|
•
|
QS90513 - How to increase your profits and reduce your E&O exposure
|
|
- Offers four simple steps that will not only decrease E&O exposures but help to increase agency profits. 2 pages |
|
•
|
QS90816 - Is your agency as ‘E&O-proof’ as you think?
(09/04/24) |
|
- This document talks about reviewing different areas of your agency where you may be able to increase your agency’s E&O loss-prevention strategies. 2 pages |
|
•
|
QS91061 - Is your agency’s website an E&O target?
|
|
- A discussion about how false promises on your website can lead to an E&O claim down the road. 2 pages |
|
•
|
QS90773 - Reduce your chances of an E&O claim
|
|
- Being a producer or account executive requires tremendous knowledge and attention to detail. This resource kit offers helpful strategies for ways to reduce your chances of an E&O claim. 2 pages |
|
•
|
QS90202 - The 24/7 agency—E&O security in an age of constant communication
(09/10/24) |
|
- Concerns and recommendations that agencies face when trying to meet the increased demands of customers. 7 pages |
|
•
|
QS91102 - The E&O implications of AI
|
|
- This resource kit gives examples of AI-related lawsuits showing what kind of impact the use of AI could have in the insurance industry. 2 pages |
|
•
|
QS91076 - The good, bad, and in-between of documentation
(08/22/24) |
|
- A discussion about the importance of educating staff on the documentation expectations of the agency to avoid an errors and omissions claim. 2 pages |
|
•
|
QS90670 - The mirror test—a significant E&O hotspot
|
|
- Discusses the importance of mirroring coverage when moving a policy to a different carrier and discussing the differences with your policyholders. 2 pages |
|
•
|
QS90853 - Which position would you rather take?
|
|
- A review of an E&O situation in which some positive initiatives are pointed out along with things that can be done differently. 2 pages |
|
Excess and surplus lines
|
•
|
QS91038 - E&S is not the Wild West
|
|
- A discussion on the complexities of the E&S insurance market. 3 pages |
|
•
|
QS91075 - Excess lines of power
|
|
- This document offers guidance for how to place risks in the excess-and-surplus-lines marketplace. 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
|
|
- Offers tips on what to look for when placing business through a wholesaler. 4 pages |
|
•
|
QS91111 - There and back again: An E&S journey
|
|
- This document offers tips on properly navigating the E&S marketplace. 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 |
|
•
|
QS90737 - When using wholesalers, you don’t want to assume
|
|
- Discusses some issues to keep in mind when placing business in the E&S market. 2 pages |
|
Fees
|
•
|
QS29004 - Charging fees in New Jersey
|
|
- 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 |
|
Flood
|
•
|
QS91083 - Back to the future of flood
|
|
- Offers an overview of the history of the NFIP and how it’s moving forward in the future. 2 pages |
|
•
|
QS91085 - Clear up flood insurance misconceptions—be the adviser who helps clients prepare
|
|
- Today’s climate is not only changing weather-wise, but it is also a litigious climate. Protect yourself from E&O exposure by offering flood insurance. 3 pages |
|
•
|
QS90614 - Flood insurance frequently asked questions
(09/10/24) |
|
- Some of the common—and not so common—questions raised about the National Flood Insurance Program. 3 pages |
|
•
|
QS91051 - How the NFIP’s Risk Rating 2.0 affects agents, clients
|
|
- This resource kit is an explanation of the NFIP’s Risk Rating 2.0 and the effects it has on agents and their clients. 2 pages |
|
•
|
QS91084 - Increased flooding elevates business insurance—knowledge and prevention are paramount
|
|
- This resource kit suggests the need for building owners to consider taking further measures to protect their facilities due to recent trends in severity and frequency of natural disasters and storms. 4 pages |
|
•
|
QS90931 - ISO assists the private flood market
(10/03/24) |
|
- This resource kit provides information on ISO’s new Commercial Flood Insurance Program. 2 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 ...
(09/11/24) |
|
- 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 |
|
•
|
QS90964 - Private flood gets personal
|
|
- ISO has introduced a new Personal Flood Program to serve as a standard for the private personal flood insurance market. This resource kit offers a listing of the major changes. 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 |
|
•
|
QS90873 - The reauthorization rose ceremony
|
|
- This resource kit discusses the current National Flood Insurance Program and changes being sought through reauthorization. 2 pages |
|
Fraud
|
•
|
QS90391 - The wide reach of insurance fraud
|
|
- Discusses insurance fraud, and what your agency can and must do, along with the progress being made in the industry today. 3 pages |
|
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
(09/06/24) |
|
- Discusses the HO-6 policy designed for condominium unit owners and what coverages are allotted. 3 pages |
|
•
|
QS90329 - Covering nonowned property on a homeowners policy
|
|
- A 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 |
|
•
|
QS90942 - Food delivery services
(09/18/24) |
|
- A comprehensive overview of food delivery services, the latest share-economy initiative for home delivery of food. 2 pages |
|
•
|
QS90661 - Guide to the ISO HO 2011 Program
|
|
- This resource kit explains all the revisions to the 2011 ISO Homeowners Program. 5 pages
|
|
•
|
QS90284 - Home improvement
|
|
- An in-depth discussion of the exposures your clients can face when having contractors work on their home. 3 pages |
|
•
|
QS90842 - Home sharing means risk sharing
(10/03/24) |
|
- A comprehensive review of the latest trend in home sharing and the applicable insurance exposures. 2 pages |
|
•
|
QS90613 - Homeowners options for the elderly
|
|
- Offers some important coverage-related issues to bring to the attention of the elderly and their families. 2 pages |
|
•
|
QS90160 - Homeowners premises liability coverage
|
|
- A comprehensive discussion of an insured premises under an ISO homeowners policy and applicable liability coverages. 2 pages |
|
•
|
QS90523 - ISO 2000 HO endorsements
|
|
- A helpful resource providing a brief description of the most common standard ISO 2000 homeowners endorsements. 10 pages |
|
•
|
QS90671 - ISO 2011 HO endorsements
|
|
- A helpful resource providing a brief description of the most common standard ISO 2011 homeowners endorsements. 10 pages |
|
•
|
QS91026 - ISO 2022 HO Program
|
|
- The resource kit gives you an overview of ISO’s 2022 Homeowners Program, its new forms, endorsements, and forms that will be withdrawn. 5 pages |
|
•
|
QS90815 - ISO pins down the ‘residence premises’ definition
(09/06/24) |
|
- A comprehensive overview of the ISO "residence premises" October 2015 ISO filing. 2 pages |
|
•
|
QS90907 - ISO reacts to home sharing and drones
|
|
- This resource kit explains ISO’s new endorsements for home sharing and drones. 2 pages |
|
•
|
QS90252 - ISO—HO 2000 program
|
|
- This kit offers an extensive look at the ISO Homeowners 2000 program and how it differs from previous versions. 15 pages |
|
•
|
QS90447 - Lenders’ unreasonable requests for replacement-cost limits
|
|
- Summarizes the laws that protect mortgagees from mortgagors requiring them to insure their real property for more than the replacement cost. 5 pages |
|
•
|
QS29238 - New Jersey Department of Banking and Insurance sample coverage summaries (P.L. 2013, c.53)
|
|
- This resource kit provides one-page summaries explaining and summarizing homeowner policies for consumers. 8 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
|
|
•
|
QS91016 - One smart home in Malibu Pink, please
|
|
- A discussion about smart technology, and how it can be helpful to agents and policyholders alike. 2 pages |
|
•
|
QS91028 - Sample homeowners change-in-risk letter
|
|
- A sample letter advising your homeowners policyholders of the need to notify their carriers when they have a change in risk. 1 page |
|
•
|
QS90629 - Sump pump failure
(09/03/24) |
|
- A comprehensive discussion of the exposures a homeowner might have when their sump pump fails. 2 pages |
|
•
|
QS90128 - The ISO HOBIZâ„¢ Program
|
|
- Explains ISO’s Home Business Insurance Coverage program designed for the home-based entrepreneur and their unique coverage needs. 3 pages |
|
•
|
QS90424 - The ISO Homeowners Policy forms (2011)
|
|
- A quick reference to each of the Insurance Services Office Inc. homeowners forms and the perils covered. 2 pages |
|
•
|
QS90109 - There is no business like home business
|
|
- Overviews the exposures and appropriate coverages for homeowners when having businesses within the home. 8 pages |
|
•
|
QS90598 - Top 10 contractor hiring tips for homeowners
|
|
- Quick tips for your homeowners clients who are considering hiring an outside contractor to do repairs on their home. 2 pages |
|
•
|
QS90475 - Two approaches to insuring your home—HO-2 vs. HO-3
(09/06/24) |
|
- Compares the ISO Homeowners 2 form with the ISO Homeowners 3 form and exposures that might not be covered under the “named” perils policy vs. the “open” perils policy. 3 pages |
|
•
|
QS90827 - What does this new ISO Residence Premises endorsement do?
|
|
- A comprehensive FAQ on the ISO Residence Premises endorsement and how it will impact your insureds. 2 pages |
|
•
|
QS90640 - What is the right property limit?
|
|
- This resource kit discusses the many approaches for securing a property limit. 2 pages |
|
•
|
QS90828 - Who is going to write this policy? Be prepared for the homeowners inspection
(09/06/24) |
|
- This resource kit discusses issues that can be uncovered during a home inspection. 2 pages |
|
Human resource issues
|
•
|
QS91008 - Age discrimination and EPLI
|
|
- An in-depth discussion of age discrimination and EPLI, a review of some cases, their outcomes, and the importance of EPLI coverage. 3 pages |
|
•
|
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 levels. 3 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
|
|
- Discusses protections afforded to employees in uniform under the Uniformed Services Employment and Re-employment Rights Act. 2 pages
|
|
•
|
QS90919 - Employment applications—‘Ban the Box’ rule
|
|
- A review of the latest "Ban the Box" movement regarding inquiring about criminal convictions. 3 pages |
|
•
|
QS90738 - Expand your horizons to find your next superstar
(09/11/24) |
|
- What you can do to recruit and retain a new brand of top insurance professionals. 3 pages |
|
•
|
QS90033 - Federal employment laws affecting small businesses
|
|
- A chart of employment-related laws and when they would apply by the number of employees you have. 1 page |
|
•
|
QS90849 - Hiring staff with disabilities
|
|
- A discussion of the Americans with Disabilities Act and how that, along with state-specific laws, must be considered when hiring employees for the agency. 4 pages |
|
•
|
QS90727 - Hiring, firing, and employment practices
|
|
- Agency obligations in regards to proper employment practices. 2 pages. |
|
•
|
QS91048 - How to (legally) fire one of your employees
|
|
- This resource kit will give employers an idea of the legal issues to consider when they decide it may be time to terminate an employee. 3 pages |
|
•
|
QS91073 - Human relations law and the insurance industry
|
|
- A discussion on recent trends in human relations law that will impact employers big and small. 3 pages |
|
•
|
QS29243 - Now trending: New Jersey #PaidFamilyLeave
|
|
- A comprehensive overview of Paid Family Leave and how it impacts New Jersey employers. 2 pages |
|
•
|
QS90902 - Performance evaluations: how not to hate them
|
|
- This resource kit offers strategies to help both managers and employees give and get value from the performance review process. 2 pages |
|
•
|
QS90620 - Sample application for employment and overview of the ’ban the box’ legislation
|
|
- A boilerplate employment application that you can use to develop your own agency-specific version. 2 pages |
|
•
|
QS91112 - Sample employee letter to confirm employment termination
|
|
- A sample employee letter to be used on your agency letterhead to confirm employment termination. 1 page |
|
•
|
QS90341 - The ADA may require more than you realize
|
|
- A discussion of the requirements of the Americans with Disabilities Act and its impact on employers. 3 pages |
|
•
|
QS91041 - The changing ADA landscape
|
|
- This resource kit offers a discussion on a question many agents ask: how do we properly insure the risk of ADA lawsuits in an everchanging landscape? 3 pages |
|
•
|
QS90890 - The FLSA: attack of the overtime
|
|
- This resource kit gives an overview of the new FLSA regulation regarding employee classification and overtime rules. 2 pages |
|
•
|
QS91005 - The ideal workplace, avocados not required
|
|
- This resource kit discusses what prospective hires are really looking for in the workplace. 3 pages |
|
•
|
QS90795 - The ins and outs of paid sick-time off
|
|
- This resource kit discusses the who, what, and what ifs surrounding paid sick time off for employees. 3 pages |
|
•
|
QS90824 - The right stuff—hiring ‘A’ players for your agency
|
|
- This resource kit offers a synopsis of some different processes and observations agencies have used and have had success with for producer development. 6 pages |
|
•
|
QS90439 - The seven types of workplace behavior
|
|
- Offers a brief description of the seven classic styles of behavior and provides tips to help manage your vulnerability to each. 3 pages |
|
•
|
QS90503 - U.S. Department of Labor Employment Law Guide
(09/18/24) |
|
- 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. 6 pages |
|
•
|
QS90882 - U.S. Department of Labor overtime regulation FAQ
|
|
- A comprehensive question-and-answer piece that outlines some of the intricacies of the U.S. Department of Labor overtime regulation. 5 pages |
|
•
|
QS90932 - Using the power of insight to realign your staff and help your agency grow
|
|
- This resource kit talks about the importance of knowing your agency’s needs and placing the right employees in positions to help your agency grow. 2 pages |
|
•
|
QS91059 - Welcome back, sort of—flexible schedules, not flexible rules (legally speaking)
|
|
- This resource kit addresses issues employers need to be aware of when implementing remote/hybrid schedules in your office. 4 pages |
|
•
|
QS90713 - What you need to know before you Google potential employees
|
|
- Potential pitfalls you should consider before deciding to check an applicant’s social-media profile. 3 pages |
|
•
|
QS91096 - Where the legal risks lurk in human resources—reduce the risk of wage-and-hour violations
|
|
- Offers a discussion on how an employer reduce its risk of wage-and-hour violations. 4 pages |
|
•
|
QS91006 - Who gets Paid Sick Leave?
|
|
- A comprehensive FAQ regarding who gets Paid Sick Leave benefits. 3 pages |
|
•
|
QS90428 - Workplace harassment: what it is, how to prevent it
|
|
- Provides agencies with insight on what constitutes workplace harassment, how it can be prevented, and how to respond to incidents that arise in the workplace. 3 pages |
|
I.D. cards
|
•
|
QS29197 - New Jersey Bulletin No. 04-21 re: temporary I.D. cards
(09/24/24) |
|
- 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 - New Jersey I.D. card regulation
|
|
- A detailed summary of the New Jersey regulations for permanent and temporary automobile insurance identification cards. 6 pages |
|
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 |
|
Independent agent marketing
|
•
|
QS90822 - An insurance policy isn’t a commodity, it’s a contract
|
|
- A resource kit to help agents explain the basics of insurance contracts to their insureds. 2 pages |
|
•
|
QS90564 - Band together to brand together—co-op advertising for the independent agency
|
|
- An independent agent’s perspective on co-op advertising and how it can play a part in your agency marketing efforts. 3 pages |
|
•
|
QS90812 - Beware of the bait and switch
|
|
- This resource kit talks about the importance of explaining what could happen when they venture out to other carriers without your guidance. 2 pages
|
|
•
|
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 |
|
•
|
QS90489 - Take back personal lines—combat direct writers and increase your presence
(09/18/24) |
|
- 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 |
|
Industry-related issues
|
•
|
QS90553 - Fire restoration/cleaning firms
|
|
- A listing of firms that offer fire restoration and cleaning services after a loss. 6 pages |
|
•
|
QS91110 - Hard market: When carriers withdraw from a market
|
|
- This document offers helpful points to consider when navigating a carrier withdrawal. 3 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 |
|
•
|
QS91034 - Premiums on the rise: what to do about it
(09/30/24) |
|
- This resource kit offers suggestions for the best practices for handling client requests to reduce or remove coverages. 2 pages |
|
Inland marine
|
•
|
QS90060 - Cargo insurance
(08/22/24) |
|
- 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
|
|
- An overview of the Insurance Services Offices Inc.’s Personal Inland Marine Program rules and a review of the coverage forms. 6 pages |
|
Lead information
|
•
|
QS90088 - Lead paint 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 |
|
Legislative/regulatory issues
|
•
|
QS91039 - An engaging article on e-delivery of documents
|
|
- A discussion about the importance of following the law when it comes to e-delivery of insurance documents. 3 pages |
|
•
|
QS91097 - Corporate Transparency Act
|
|
- An overview of the federal Corporate Transparency Act requirements. 2 pages |
|
•
|
QS91057 - Distorted patents and exorbitant premiums
|
|
- Offers information on the background of patents and why they are costly to insure. 2 pages |
|
•
|
QS90588 - Does the Red Flags Rule affect me?
|
|
- A brief overview of who is affected by these rules and what precautions must be taken to comply. 2 pages |
|
•
|
QS29241 - Employee vs. independent contractor—ABC test and control
|
|
- An overview of the ABC test and control for New Jersey on determining employees vs. independent contractors. 3 pages |
|
•
|
QS90340 - Federal and state do-not-call rules: a guide for PIA members
|
|
- Provides specific advice about individual legal, business, or other questions relating to do-not-call rules. 13 pages |
|
•
|
QS90451 - Get the facts on the do-not-fax law
|
|
- A comprehensive summary of the federal do-not-fax law so you can act in accordance with this rule. 3 pages |
|
•
|
QS90846 - How high is your duty-of-care?
|
|
- This resource kit discusses how an agent must interact with their client to avoid breaching his/her duty of care. 2 pages |
|
•
|
QS90543 - Life insurance settlements—proceed with care
|
|
- Comprehensive review of life-settlement arrangements and how they can affect your insureds. 9 pages |
|
•
|
QS91043 - National Association of Insurance Commissioners’ Pet Insurance Model Act
(09/27/24) |
|
- A model developed by the NAIC regarding pet insurance. 2 pages |
|
•
|
QS90107 - National Association of Professional Insurance Agents 2024 issues of focus
|
|
- Overview of the federal legislative issues papers that support the independent agency system and the consumer they protect. 10 pages |
|
•
|
QS29002 - New Jersey 2022-23 legislative wrap-up
|
|
- A comprehensive look at the bills PIANJ tracked during the recent legislative session. 2 pages |
|
•
|
QS29260 - New Jersey Department of Banking and Insurance Bulletin 23-08 and Order No. A23-14: underwriting and pricing considerations
|
|
- The resource kit offers guidance from the New Jersey Department of Banking and Insurance regarding underwriting and pricing issues. 5 pages |
|
•
|
QS29254 - New Jersey Department of Banking and Insurance Order No. A22-06 re: disclosure of policy limits disclosures pursuant to P.L. 2022, c.95
(09/09/24) |
|
- A DOBI order outlining the requirements for automobile insurers to disclose policy limits upon request. |
|
•
|
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
|
|
- 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, Vermont, 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 2022 legislative priorities
|
|
- A comprehensive look at PIANJ’s major legislative priorities for the 2022 legislative session. 2 pages |
|
•
|
QS90859 - Prejudice and the claims-made policy
|
|
- This resource kit discusses what can happen when a claim is reported late to a carrier on a claims-made policy. 2 pages |
|
•
|
QS90847 - Price optimization (or, how a goat is gotten)
|
|
- This resource kit discusses the issues surrounding price optimization and how some states are dealing with it. 2 pages |
|
•
|
QS90632 - Producer notification requirements regarding administrative actions
|
|
- Outlines requirements in different states with regard to notifying the state insurance department when a producer is involved in an administrative action. 2 pages |
|
•
|
QS91052 - Protect your agency: copyright and trademarks
|
|
- A discussion of how to protect your agency with copyrights and trademarks. 2 pages |
|
•
|
QS90634 - Red Flags Rule—PIA offers guidance
|
|
- Some of the most commonly asked questions about a producer’s requirement to comply with the Red Flags Rule. 2 pages |
|
•
|
QS29182 - Rules on Electronic Transactions
|
|
- A summary using a question-and-answer format of the rules adopted by the New Jersey Department of Banking and Insurance relating to electronic transactions. 3 pages |
|
•
|
QS29255 - Sample customer letter: explanation of an impending insurance company rate increase
|
|
- A sample letter that producers can send to their customers letting them know of an impending rate increase by their insurance company. 1 page |
|
•
|
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 |
|
•
|
QS90897 - Sample homeowners insurance effective date notice
|
|
- A sample notice to provide real-estate lenders/closing offices regarding binders prior to closing dates. 3 pages |
|
•
|
QS29211 - Summary of the Harbor Shuttle case
|
|
- Overview of the pertinent facts in the Harbor Shuttle legal action. 3 pages |
|
•
|
QS91063 - Summary of the Consolidated Appropriations Act of 2021 and sample disclosure form
|
|
- An overview of the Consolidated Appropriations Act of 2021 requiring brokers and consultants to group health plans to disclose their compensation if they expect to receive $1,000 or more in direct or indirect compensation for providing their services. 3 pages |
|
•
|
QS29200 - The Pinto decision—duty imposed on producers
|
|
- 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 |
|
•
|
QS29159 - The facts on New Jersey’s ’do-not-call’ law
|
|
- 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
|
|
•
|
QS90895 - The unmanned aerial vehicle
(09/17/24) |
|
- This resource kit provides information on rules and regulations in place for the use of drones for agencies and underwriting purposes. 2 pages
|
|
•
|
QS29167 - Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents
|
|
- 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 |
|
•
|
QS91036 - What is bad faith?
|
|
- A discussion about bad faith during the claims process. 2 pages |
|
•
|
QS29258 - What you need to know about New Jersey’s new handgun liability insurance law
|
|
- A discussion of the new handgun liability law which recently passed in New Jersey. 2 pages |
|
•
|
QS29253 - What you need to know about New Jersey’s new insurance requirements law for landlords
|
|
- An FAQ which outlines a New Jersey law requiring minimum liability limits for landlords. 2 pages |
|
•
|
QS29252 - What you need to know about New Jersey’s new mandatory insurance requirements law for businesses
|
|
- An FAQ on the mandatory insurance requirements for New Jersey businesses. 2 pages |
|
Licensing
|
•
|
QS90981 - A guide to Massachusetts’ nonresident licensing
|
|
- A go-to-guide for obtaining and renewing a nonresident individual or business entity license in Massachusetts. 4 pages |
|
•
|
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, Vermont, and New York. 9 pages
|
|
•
|
QS91022 - Florida licensing
|
|
- A comprehensive review of Florida’s statutes and regulations relating to resident and nonresident licensing. 15 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 a ‘registered/statutory agent’ in another state
|
|
- Requirements producers should be aware of when registering a business entity in another state. 3 pages |
|
•
|
QS90797 - What ever happened to NARAB?
(08/21/24) |
|
- A comprehensive FAQ on the development of National Association of Registered Agents and Brokers and what it means to independent insurance agents. 3 pages |
|
Life/health
|
•
|
QS90064 - 2024 Choosing a Medigap policy: a guide to health insurance for people with Medicare
|
|
- An in-depth guide that outlines the steps to help consumers make an informed decision when purchasing Medicare Supplemental Insurance. 52 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 |
|
•
|
QS29221 - Family leave laws in New Jersey—paid and unpaid
|
|
- 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 |
|
•
|
QS90841 - How the PACE Act affected your small-market group
|
|
- An overview of how Connecticut, New Hampshire, New Jersey, Vermont, and New York are addressing the PACE Act’s definition of small employer groups. 2 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 2022. 1 page |
|
•
|
QS29130 - New Jersey long-term care guide
|
|
- 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
(09/11/24) |
|
- 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 |
|
Markets
|
•
|
QS91098 - Agent talking points: Your premium is increasing. Here’s why
|
|
- Comprehensive talking points for agents to use when discussing increasing premiums with their customers |
|
•
|
QS91077 - Don’t shoot the messenger
|
|
- A discussion about understanding and being able to explain the reasons why a policyholder with no significant claims history is experiencing a 20% rate increase in these tough economic times. 2 pages |
|
•
|
QS90066 - PIA’s MarketBaseâ„¢
|
|
- Brochure explaining PIA’s MarketBaseâ„¢ Program, an exclusive members-only benefit, that assists with finding markets for the occasional hard-to-place risk. 2 pages |
|
Mold issues
|
•
|
QS90289 - Stopping the growth of mold claims
|
|
- Explanation of how the Insurance Services Office Inc. endorsements impact mold coverage in the various lines of insurance. 4 pages |
|
Money management
|
•
|
QS90675 - Get competitive—marketing strategies that really work and don’t cost a bundle
|
|
- Simple strategies you can use to build your customer base without spending a lot of money. 4 pages |
|
•
|
QS90674 - Premium-finance companies
|
|
- A list of premium-finance companies, which offer services in Connecticut, New Hampshire, New Jersey, Vermont, 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 |
|
Motor vehicle reports
|
•
|
QS90382 - Motor vehicle report vendors
|
|
- A compilation of firms which offer MVR services, including their geographical limitations, turnaround time, and cost. 4 pages |
|
•
|
QS90989 - Sharing MVRs with commercial clients
|
|
- Important legal considerations you should be aware of when sharing motor vehicle reports with clients. 11 pages |
|
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
(10/02/24) |
|
- Overviews 19 changes made to the ISO Personal Auto policy with an in-depth explanation of each. 6 pages |
|
•
|
QS90974 - A fresh new 2018 Personal Auto Policy
|
|
- Offers an overview of the changes made to ISO’s PP 00 01 policy form. 2 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 2005 PAP undergoes mostly cosmetic changes, but ...
|
|
- Discusses the substantive revisions made to the ISO Personal Auto Policy (PP 00 01 01 05). 3 pages |
|
•
|
QS90346 - Named nonowner policy
|
|
- An in-depth resource kit on the purpose and application of the Named Nonowner Coverage endorsement. 4 pages |
|
•
|
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 2022 auto insurance complaint ratios (released 2023)
|
|
- Listing of New Jersey automobile insurance carriers by complaints based on 2022 studies. 1 page |
|
•
|
QS90943 - Not your father’s auto risks
|
|
- From telematics to autonomous vehicles and ride hailing, this resource kit discusses how much the auto insurance market is evolving. 3 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 |
|
•
|
QS90973 - Sample customer letter—transportation network companies
(09/09/24) |
|
- This resource kit offers a sample customer letter regarding using your personal vehicle as a Lyft or Uber driver. 1 page |
|
•
|
QS91027 - Sample personal-lines automobile change-in-risk letter
|
|
- A sample letter advising your auto policyholders of the need to notify their carriers when they have a change in risk. 1 page |
|
•
|
QS29244 - Sample personal-lines automobile step-down provision letter
|
|
- A sample consumer letter that outlines the personal-lines step-down provision in personal automobile policies. 1 page |
|
•
|
QS90818 - Who is really driving Miss Daisy?
|
|
- This document discusses issues surrounding undisclosed operators as it relates to personal auto policies. 3 pages |
|
Personal umbrella
|
•
|
QS90145 - Personal umbrella policies
|
|
- An in-depth discussion of personal umbrella policies and their unique aspects. 3 pages |
|
•
|
QS90144 - Umbrella basics
(08/21/24) |
|
- Discussion of umbrella policies and the many variations, as most insurers use their own individually filed policies. 2 pages |
|
Privacy issues
|
•
|
QS90997 - Cyberattacks—what every agency and small business owner should know
(09/09/24) |
|
- An overview of different types of cyberattacks, how to prevent them, and the importance of insuring your agency against them. 3 pages |
|
•
|
QS90652 - Email encryption firms
|
|
- A listing of firms that offer email encryption services for businesses. 1 page |
|
•
|
QS90756 - HIPAA update
|
|
- Outlines the provisions of the HIPAA Omnibus Rule effective Sept. 23, 2013. 2 pages |
|
•
|
QS90347 - How to develop your information security program
|
|
- 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 |
|
•
|
QS90664 - Laptop-encryption vendors
|
|
- A listing of firms that offer laptop encryption services. 1 page |
|
•
|
QS29123 - Privacy and the professional insurance producer
|
|
- Detailed discussion of the Gramm-Leach-Bliley law and other New Jersey privacy requirements insurance producers need to be aware of. 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
|
|
- Actual regulation that requires safeguards to protect customer records and information. 9 pages |
|
•
|
QS91040 - The UBI question: privacy versus savings
|
|
- A discussion on how data collected from telematics can affect a consumer’s insurance rates and their privacy. 3 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 |
|
Record retention
|
•
|
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 |
|
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 |
|
Reinsurance
|
•
|
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 |
|
Ride hailing
|
•
|
QS90813 - ISO introduces three new TNC endorsements
|
|
- Overview of three new endorsements being filed by the Insurance Services Offices Inc. to address the emergence of transportation network companies. 2 pages |
|
•
|
QS91044 - Sample customer letter: personal-lines clients delivering for app-based food delivery services
|
|
- A sample letter that can be used for personal-lines clients that are delivering food for app-based delivery programs. 1 page |
|
•
|
QS90788 - The buzz about ride-hailing programs
|
|
- Ride hailing is growing in popularity. This resource kit discusses some of the insurance ramifications of these programs. 2 pages |
|
•
|
QS90917 - Uber-nerd: a discussion on ride hailing
|
|
- This resource kit offers an overview of ride hailing and what coverages are required for TNCs. 2 pages |
|
•
|
QS90814 - What the hail?
|
|
- A comprehensive review of the ride-hailing issue, including recent legislative proposals. 3 pages |
|
•
|
QS90829 - When is it time to have ‘the talk’ ... about ride hailing?
|
|
- A discussion for insurance producers on when to discuss the issue of ride hailing with their personal-lines insureds. 2 pages |
|
Risk management
|
•
|
QS90811 - Loss control for producers
(09/06/24) |
|
- This resource kit discusses loss control for producers—not only its benefits to producers but to their policyholders as well. 2 pages |
|
•
|
QS90877 - Meeting the insurance needs of the construction industry
|
|
- This resource kit discusses the legal concepts at play when insuring construction industry clients and some considerations to help avoid E&O exposure to the agency. 4 pages |
|
Sales management
|
•
|
QS90801 - A successful sales meeting
|
|
- This resource kit provides tips on how to run a successful sales meeting. 2 pages |
|
•
|
QS91090 - Boost your agency growth—develop a niche
|
|
- This resource kit discusses how expanding into small commercial lines and choosing the right risks can help you grow your business in the present market. 3 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 |
|
•
|
QS91088 - Do you know the special rules of marketing?
|
|
- A review of the rules surrounding marketing, rebating, and referrals 3 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 |
|
•
|
QS90806 - Establish key metrics for agency growth before considering business expansion moves
|
|
- This resource kit offers simple strategies for building your agency’s book of business. 2 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 |
|
•
|
QS91062 - Five reasons why your sales numbers aren’t good
|
|
- Offers five reasons why your sales numbers aren’t good and five suggestions to fix them. 2 pages |
|
•
|
QS90840 - Five steps to hold salespeople accountable
(09/06/24) |
|
- Tips to ensure your salespeople are working toward their fullest potential. 2 pages |
|
•
|
QS90836 - Growing your marketing savvy in the digital age—five tips for using social media as a marketing tool
|
|
- This resource kit discusses the importance of including social media in an agency’s marketing plan. 2 pages |
|
•
|
QS90442 - How can I sell more when I have so much to do?
|
|
- This resource kit 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 |
|
•
|
QS91065 - Insurance renewal cross-selling strategies
|
|
- Offers suggestions on identifying cross-selling opportunities with your clients. 3 pages |
|
•
|
QS91025 - Insurance script showdown: three scripts to make your cross-sell a ‘yes’
|
|
- This resource kit discusses the importance of cross-selling and offers some sample scripts to assist agents with cross-selling. 2 pages |
|
•
|
QS90883 - Leading the sales team to victory
|
|
- This resource kit outlines four rules to ensure you and your sales team have the best shot at success. 1 page |
|
•
|
QS91089 - Looking for a way to sell insurance in a hard market?
|
|
- Offers different perspectives on the advantages and disadvantages of selling insurance in a hard market. 2 pages |
|
•
|
QS90962 - Make five strategic changes to close more sales
|
|
- Offers five changes to consider that could assist sales professionals in keeping up, staying relevant, and closing more sales. 2 pages |
|
•
|
QS90568 - Marketing peace of mind—be part of the solution to teen car crashes
(08/19/24) |
|
- A discussion that provides a “game plan” for agencies to offer supportive programs and educational materials on teen-driving safety while giving you the opportunity to market your products. 3 pages |
|
•
|
QS91087 - Navigate the hard market—let your marketing campaigns educate and build relationships
|
|
- Offers strategies to help agents navigate successfully through the current challenging insurance landscape. 4 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 |
|
•
|
QS90498 - Seven marketing strategies to let clients know who you are
|
|
- Seven “must” contacts or opportunities to include in your action plan of communicating with your customers and potential customers. 2 pages |
|
•
|
QS90239 - Six simple tips for increasing sales and decreasing stress
|
|
- 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 |
|
•
|
QS90933 - Stay connected to your community: a four-step process to build a local brand in-person and remotely
|
|
- This resource kit offers examples of ways you can build your local brand without spending millions. 2 pages |
|
•
|
QS91037 - The art of an insurance promotion
|
|
- Sometimes the lowest price isn’t the best option, an explanation of bait and switch and other methods of advertising today. 2 pages
|
|
•
|
QS90602 - The cross marketing value of your service team
|
|
- Details why fine-tuning your CSRs can be a strong asset to your agency. 2 pages |
|
•
|
QS90793 - The importance of sales meetings
|
|
- Offers a list of reasons why sales meetings are critical to your success and suggestions for the optimal structure, agenda, and rules for running one. 3 pages |
|
•
|
QS90805 - The power of Pinterest—is your agency using this growing social-media platform?
|
|
- This resource kit explains how to use Pinterest as a way to connect with clients and prospects based on common interests. 3 pages |
|
•
|
QS91092 - Thinking of nurturing a niche? PIA Northeast members share their unique experiences
|
|
- Two PIA members discuss how they developed successful niches in their agencies. 4 pages |
|
•
|
QS90135 - Tips to build your personal-lines business
|
|
- Simple strategies to expand your personal-lines business to ensure increased profitability. 3 pages |
|
•
|
QS91047 - Two key character traits of successful producers
|
|
- Talks about why producers who hold themselves responsible and accountable are so successful. 2 pages |
|
•
|
QS90854 - Why and how to cold call
|
|
- Discussion of why cold calling is so important and suggested steps to stay sharp and conquer fear. 2 pages |
|
•
|
QS90500 - Why have a marketing plan?—minimize mistakes and maximize your potential
|
|
- Illustrates the importance of having a strategic marketing plan, the components of a successful plan, and depicts nine reasons to plan. 3 pages |
|
•
|
QS90352 - Working with an independent agent
(09/17/24) |
|
- A for-sale piece through PIA Design & Print that outlines the importance of working with an independent agent. 1 page |
|
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
|
|
•
|
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 |
|
•
|
QS90954 - Tax considerations on expense reimbursements
|
|
- Discusses the tax treatment of reimbursed and unreimbursed business expenses. 2 pages |
|
•
|
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 |
|
•
|
QS90971 - Tax reform and small business: growing our economy and creating jobs
|
|
- This resource kit offers information on new tax changes for independent insurance agents and brokers. 1 page |
|
•
|
QS90734 - What to know about disaster-related casualties and taxes
|
|
- Federal income tax implications when someone suffers disaster-related casualties. 2 pages |
|
Terrorism issues
|
•
|
QS90785 - TRIA: age of cyberliability
|
|
- This resource kit discusses how cyberliability would come into play under the Terrorism Risk Insurance Act. 2 pages |
|
•
|
QS90283 - Understanding the Terrorism Risk Insurance Act of 2002; 2005; 2007; 2015, and 2019
|
|
- 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 |
|
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, and Accountability Program, a federal regulatory program targeted to activities of motor carriers. 3 pages |
|
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 |
|
•
|
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 - How to prepare for a hurricane
|
|
- Information you need to be prepared before, during and after a hurricane hits. 4 pages
|
|
•
|
QS90985 - Think beyond disasters ...
|
|
- A handy resource kit to assist agents thinking about their agency’s level of preparedness and how to become better prepared. 2 pages |
|
•
|
QS90190 - Top 10 insurance tips for hurricane season
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- 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
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QS29032 - 2023 workers’ compensation overall rate level decreases 6.1%
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- 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, 2022. 2 pages |
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QS90900 - A conversation about independent contractors
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- This resource kit offers helpful tests to assist agents in properly classifying independent contractors and employees. 3 pages |
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QS29240 - Domestic employees
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- Homeowners have a nonbusiness exposure for both hired workers that are subject to the Workers’ Compensation Law and hired workers subject to tort law, as this resource kit will show. 3 pages |
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QS29242 - Employee vs. independent contractor assessment—common law test
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- Overview of the common law test for use in New Jersey for workers’ compensation and employment tax determinations. 2 pages |
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QS29223 - Give me liberty or give me a paycheck
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- A discussion of independent contractors and how they are properly handled in the workers’ compensation arena. 4 pages |
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QS90136 - Maritime law: LHWCA and Jones Act
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- 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 |
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QS29131 - New Jersey workers’ compensation and employers’ liability manual order form
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- Order form for the New Jersey Compensation Rating and Inspection Bureau Manual and update service. 2 pages |
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QS29121 - New Jersey workers’ compensation certificate of insurance and audits for contractors
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- 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 |
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QS29015 - Other states coverage in workers’ compensation residual-market policies
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- Comprehensive discussion on how to cover out-of-state employee assignments in the workers’ compensation residual market. 4 pages |
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QS90839 - The flanking maneuver
(09/13/24) |
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- This resource kit discusses coverage under workers’ compensation and employers’ liability when dealing with third-party claims. 2 pages |
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QS90880 - Workers’ compensation endorsements that need clarification
(10/03/24) |
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- This resource kit will add clarity to our understanding of three endorsements (i.e., the alternate employer, waiver of subrogation, and foreign exposures endorsements) used with the workers’ compensation policy. 4 pages |
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