16
December 2019 THE VOICE OF INDEPENDENT INSURANCE AGENTS INSURANCE SOLUTIONS LET’S GET READY TO JINGLE AND MINGLE!
December 2019
T H E V O I C E O F I N D E P E N D E N T I N S U R A N C E A G E N T S
I N S U R A N C E S O L U T I O N S
LETrsquoS GET READY TO JINGLE AND MINGLE
THE TORCH | NOVEMBER 2019 1
The Latin American Association of Insurance Agencies (LAAIA)founded in 1969 is an association of insurance professionals whose purpose is to protect the rights of its member for the benefit of the consumer through education information networking and active participation in the political environment and community service
WWWLAAIACOMWWWBLAAIACOM
PUBLISHER Maribel Ramirez
EDITOR Janet Lorenzo-GarciaCynthia Scott
CONTRIBUTOR Alessandra Ramirez
Have you visited our Facebook group available to members only It is fun easy and a great place for encouragement
en-lightenment and to celebrate our successes and events We welcome your comments and suggestions Itrsquos another privi-lege of membership Visit us at FacebookcomlatinagentsFacebookcomBroward-LAAIA
PRESIDENTrsquoS MESSAGEJeremiah Perez PIAM CPII
PRESIDENTrsquoS MESSAGEMaria Fisk AII CPIA
INSPIRATIONAL CORNERBy Barry Sanders
ldquoDonrsquot let anyone mistake your kindness and compassion for weakness Donrsquot let circumstances allow you to deviate from your chosen path Stay on that high road and just keep moving forward Just be yourdquo
On behalf of all of us on the Board of Directors of the LAAIA itrsquos Chapters and my family Irsquod like to wish you all a Happy Holiday Season and a Happy Healthy and Prosperous New Year I find that the Holiday Season is a natural time to pause and reflect upon the year that has just been completed and as I contemplate the past year one overwhelming feeling and word springs to mind - pride ndash pride in our association and all it means to us 2019 has been extraordinary in growth and education and very soon we will be commemorating our 50th year What a great accomplishment As we enter 2020 our 50th anniversary year we can look back and be very proud of ourselves indeed But for all our successes we cannot rest as we have many challenges ahead of us I want to make sure that I have made a lasting difference in each one of you For that reason I personally invite you to join me and your LAAIA family on December 13th at The Four Seasons in Brickell to celebrate together and enjoy each otherrsquos company as we say goodbye to 2019 and welcome 2020 with joy laughter long-lasting friendships and comradery On that special evening we will also be honoring two very special individuals for their contributions not just to our association but to our industry with The Insurance Man and Woman of the Year Award I remain confident that with your help and support our association will continue growing and opening new chapters in the years to come Thank you for your commitment drive and energy as we move into a new year full of rewards challenges and many blessings
From the bottom of my heart Merry Christmas Happy Holidays and Best Wishes for the New Year Maria Fisk
THE TORCH | NOVEMBER 2019 1
THE TORCH | NOVEMBER 2019 2
UPCOMING
NATIONAL
Wednesday December 11Painting with a TwistPainting With a Twist302 S University Dr Plantation Florida 33324from 630 PM ndash 830 PM
To Register httpsbitly34c3NAf
BROWARD Thursday January 30 2020LAAIA NextGen EventTime 500PM
The WharfSAVE THE DATE
Friday December 13 2019 Letrsquos Jingle and Mingle Holiday PartyRegister today Limited space available
Time 700 PM
Four Seasons Brickell
To Register httpscventmeL8kbEz
Saturday December 14 2019LAAIA Toy Delivery at Holtz Childrenrsquos Hospital Time 1100 am - 100 pm
To Register Email lissettelpinsurecom
Wednesday January 8 2020January Networking Dinner MeetingTime 600 PM ndash 900 PM
Casa Juancho
Sponsored by AmTrustTo Register httpscventmemqE8LB
THE TORCH | NOVEMBER 2019 3
THE TORCH | NOVEMBER 2019 4
Join us in spreading some Holiday cheer to the children
who will spend the holidays at Holtz Childrenrsquos Hospital
Donate an unwrapped toy for kids ages 0-18 for Santa
Clause to deliver by December 12th HO-HO-HO
L A A I A A N N U A LT O Y D R I V E
TOY DROP-OFF LOCATION
801 W 48TH STREET SUITE B HIALEAH FL
9AM-6PM MONDAY - FRIDAY
For more information or to volunteer please contact
Lissette Perez at lissettelpinsurecom
THE TORCH | NOVEMBER 2019 5
SPECIAL ANNOUNCEMENTOIR RECEIVES ANNUAL WORKERSrsquo COMPENSATION RATE FILINGTALLAHASSEE Fla ndash The Office of Insurance Regulation (OIR) has received the 2020 Florida workersrsquo compensation rate filing by the National Council on Compensation Insurance (NCCI) which proposes a statewide average premium decrease of 54 The new rates would become effective January 1 2020 As always OIR will review the filing to ensure the proposed changes are not excessive inadequate or unfairly discrimi-natory and evaluate its potential effects on the insurance marketplace and employers who are required by law to carry this insurance on their employees
NCCI is a licensed rating organization authorized to make rate filings on behalf of workersrsquo compensation insurance companies in Florida For more information about the filing read the NCCI 2020 Filing Summary
Wersquore more than your partner we are on your team As an independent partner to retailers globally we work with you to solve complex insurance placements through industry specialization market knowledge data analytics and a commitment to service To learn more about the resources we provide visit amwinscomonyourteam
Reach New Heights with Agency RevolutionIn the competitive world of insurance independent agencies need every advantage they can
get Thatrsquos why LAAIA and Agency Revolution have partnered to bring you the most power-
ful automation relationship-building and website marketing tools built just for independent
agencies like yours
Contact us today to discover how LAAIA members like you can get
50 off implementation
20 off monthly fees
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 1
The Latin American Association of Insurance Agencies (LAAIA)founded in 1969 is an association of insurance professionals whose purpose is to protect the rights of its member for the benefit of the consumer through education information networking and active participation in the political environment and community service
WWWLAAIACOMWWWBLAAIACOM
PUBLISHER Maribel Ramirez
EDITOR Janet Lorenzo-GarciaCynthia Scott
CONTRIBUTOR Alessandra Ramirez
Have you visited our Facebook group available to members only It is fun easy and a great place for encouragement
en-lightenment and to celebrate our successes and events We welcome your comments and suggestions Itrsquos another privi-lege of membership Visit us at FacebookcomlatinagentsFacebookcomBroward-LAAIA
PRESIDENTrsquoS MESSAGEJeremiah Perez PIAM CPII
PRESIDENTrsquoS MESSAGEMaria Fisk AII CPIA
INSPIRATIONAL CORNERBy Barry Sanders
ldquoDonrsquot let anyone mistake your kindness and compassion for weakness Donrsquot let circumstances allow you to deviate from your chosen path Stay on that high road and just keep moving forward Just be yourdquo
On behalf of all of us on the Board of Directors of the LAAIA itrsquos Chapters and my family Irsquod like to wish you all a Happy Holiday Season and a Happy Healthy and Prosperous New Year I find that the Holiday Season is a natural time to pause and reflect upon the year that has just been completed and as I contemplate the past year one overwhelming feeling and word springs to mind - pride ndash pride in our association and all it means to us 2019 has been extraordinary in growth and education and very soon we will be commemorating our 50th year What a great accomplishment As we enter 2020 our 50th anniversary year we can look back and be very proud of ourselves indeed But for all our successes we cannot rest as we have many challenges ahead of us I want to make sure that I have made a lasting difference in each one of you For that reason I personally invite you to join me and your LAAIA family on December 13th at The Four Seasons in Brickell to celebrate together and enjoy each otherrsquos company as we say goodbye to 2019 and welcome 2020 with joy laughter long-lasting friendships and comradery On that special evening we will also be honoring two very special individuals for their contributions not just to our association but to our industry with The Insurance Man and Woman of the Year Award I remain confident that with your help and support our association will continue growing and opening new chapters in the years to come Thank you for your commitment drive and energy as we move into a new year full of rewards challenges and many blessings
From the bottom of my heart Merry Christmas Happy Holidays and Best Wishes for the New Year Maria Fisk
THE TORCH | NOVEMBER 2019 1
THE TORCH | NOVEMBER 2019 2
UPCOMING
NATIONAL
Wednesday December 11Painting with a TwistPainting With a Twist302 S University Dr Plantation Florida 33324from 630 PM ndash 830 PM
To Register httpsbitly34c3NAf
BROWARD Thursday January 30 2020LAAIA NextGen EventTime 500PM
The WharfSAVE THE DATE
Friday December 13 2019 Letrsquos Jingle and Mingle Holiday PartyRegister today Limited space available
Time 700 PM
Four Seasons Brickell
To Register httpscventmeL8kbEz
Saturday December 14 2019LAAIA Toy Delivery at Holtz Childrenrsquos Hospital Time 1100 am - 100 pm
To Register Email lissettelpinsurecom
Wednesday January 8 2020January Networking Dinner MeetingTime 600 PM ndash 900 PM
Casa Juancho
Sponsored by AmTrustTo Register httpscventmemqE8LB
THE TORCH | NOVEMBER 2019 3
THE TORCH | NOVEMBER 2019 4
Join us in spreading some Holiday cheer to the children
who will spend the holidays at Holtz Childrenrsquos Hospital
Donate an unwrapped toy for kids ages 0-18 for Santa
Clause to deliver by December 12th HO-HO-HO
L A A I A A N N U A LT O Y D R I V E
TOY DROP-OFF LOCATION
801 W 48TH STREET SUITE B HIALEAH FL
9AM-6PM MONDAY - FRIDAY
For more information or to volunteer please contact
Lissette Perez at lissettelpinsurecom
THE TORCH | NOVEMBER 2019 5
SPECIAL ANNOUNCEMENTOIR RECEIVES ANNUAL WORKERSrsquo COMPENSATION RATE FILINGTALLAHASSEE Fla ndash The Office of Insurance Regulation (OIR) has received the 2020 Florida workersrsquo compensation rate filing by the National Council on Compensation Insurance (NCCI) which proposes a statewide average premium decrease of 54 The new rates would become effective January 1 2020 As always OIR will review the filing to ensure the proposed changes are not excessive inadequate or unfairly discrimi-natory and evaluate its potential effects on the insurance marketplace and employers who are required by law to carry this insurance on their employees
NCCI is a licensed rating organization authorized to make rate filings on behalf of workersrsquo compensation insurance companies in Florida For more information about the filing read the NCCI 2020 Filing Summary
Wersquore more than your partner we are on your team As an independent partner to retailers globally we work with you to solve complex insurance placements through industry specialization market knowledge data analytics and a commitment to service To learn more about the resources we provide visit amwinscomonyourteam
Reach New Heights with Agency RevolutionIn the competitive world of insurance independent agencies need every advantage they can
get Thatrsquos why LAAIA and Agency Revolution have partnered to bring you the most power-
ful automation relationship-building and website marketing tools built just for independent
agencies like yours
Contact us today to discover how LAAIA members like you can get
50 off implementation
20 off monthly fees
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 2
UPCOMING
NATIONAL
Wednesday December 11Painting with a TwistPainting With a Twist302 S University Dr Plantation Florida 33324from 630 PM ndash 830 PM
To Register httpsbitly34c3NAf
BROWARD Thursday January 30 2020LAAIA NextGen EventTime 500PM
The WharfSAVE THE DATE
Friday December 13 2019 Letrsquos Jingle and Mingle Holiday PartyRegister today Limited space available
Time 700 PM
Four Seasons Brickell
To Register httpscventmeL8kbEz
Saturday December 14 2019LAAIA Toy Delivery at Holtz Childrenrsquos Hospital Time 1100 am - 100 pm
To Register Email lissettelpinsurecom
Wednesday January 8 2020January Networking Dinner MeetingTime 600 PM ndash 900 PM
Casa Juancho
Sponsored by AmTrustTo Register httpscventmemqE8LB
THE TORCH | NOVEMBER 2019 3
THE TORCH | NOVEMBER 2019 4
Join us in spreading some Holiday cheer to the children
who will spend the holidays at Holtz Childrenrsquos Hospital
Donate an unwrapped toy for kids ages 0-18 for Santa
Clause to deliver by December 12th HO-HO-HO
L A A I A A N N U A LT O Y D R I V E
TOY DROP-OFF LOCATION
801 W 48TH STREET SUITE B HIALEAH FL
9AM-6PM MONDAY - FRIDAY
For more information or to volunteer please contact
Lissette Perez at lissettelpinsurecom
THE TORCH | NOVEMBER 2019 5
SPECIAL ANNOUNCEMENTOIR RECEIVES ANNUAL WORKERSrsquo COMPENSATION RATE FILINGTALLAHASSEE Fla ndash The Office of Insurance Regulation (OIR) has received the 2020 Florida workersrsquo compensation rate filing by the National Council on Compensation Insurance (NCCI) which proposes a statewide average premium decrease of 54 The new rates would become effective January 1 2020 As always OIR will review the filing to ensure the proposed changes are not excessive inadequate or unfairly discrimi-natory and evaluate its potential effects on the insurance marketplace and employers who are required by law to carry this insurance on their employees
NCCI is a licensed rating organization authorized to make rate filings on behalf of workersrsquo compensation insurance companies in Florida For more information about the filing read the NCCI 2020 Filing Summary
Wersquore more than your partner we are on your team As an independent partner to retailers globally we work with you to solve complex insurance placements through industry specialization market knowledge data analytics and a commitment to service To learn more about the resources we provide visit amwinscomonyourteam
Reach New Heights with Agency RevolutionIn the competitive world of insurance independent agencies need every advantage they can
get Thatrsquos why LAAIA and Agency Revolution have partnered to bring you the most power-
ful automation relationship-building and website marketing tools built just for independent
agencies like yours
Contact us today to discover how LAAIA members like you can get
50 off implementation
20 off monthly fees
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 3
THE TORCH | NOVEMBER 2019 4
Join us in spreading some Holiday cheer to the children
who will spend the holidays at Holtz Childrenrsquos Hospital
Donate an unwrapped toy for kids ages 0-18 for Santa
Clause to deliver by December 12th HO-HO-HO
L A A I A A N N U A LT O Y D R I V E
TOY DROP-OFF LOCATION
801 W 48TH STREET SUITE B HIALEAH FL
9AM-6PM MONDAY - FRIDAY
For more information or to volunteer please contact
Lissette Perez at lissettelpinsurecom
THE TORCH | NOVEMBER 2019 5
SPECIAL ANNOUNCEMENTOIR RECEIVES ANNUAL WORKERSrsquo COMPENSATION RATE FILINGTALLAHASSEE Fla ndash The Office of Insurance Regulation (OIR) has received the 2020 Florida workersrsquo compensation rate filing by the National Council on Compensation Insurance (NCCI) which proposes a statewide average premium decrease of 54 The new rates would become effective January 1 2020 As always OIR will review the filing to ensure the proposed changes are not excessive inadequate or unfairly discrimi-natory and evaluate its potential effects on the insurance marketplace and employers who are required by law to carry this insurance on their employees
NCCI is a licensed rating organization authorized to make rate filings on behalf of workersrsquo compensation insurance companies in Florida For more information about the filing read the NCCI 2020 Filing Summary
Wersquore more than your partner we are on your team As an independent partner to retailers globally we work with you to solve complex insurance placements through industry specialization market knowledge data analytics and a commitment to service To learn more about the resources we provide visit amwinscomonyourteam
Reach New Heights with Agency RevolutionIn the competitive world of insurance independent agencies need every advantage they can
get Thatrsquos why LAAIA and Agency Revolution have partnered to bring you the most power-
ful automation relationship-building and website marketing tools built just for independent
agencies like yours
Contact us today to discover how LAAIA members like you can get
50 off implementation
20 off monthly fees
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 4
Join us in spreading some Holiday cheer to the children
who will spend the holidays at Holtz Childrenrsquos Hospital
Donate an unwrapped toy for kids ages 0-18 for Santa
Clause to deliver by December 12th HO-HO-HO
L A A I A A N N U A LT O Y D R I V E
TOY DROP-OFF LOCATION
801 W 48TH STREET SUITE B HIALEAH FL
9AM-6PM MONDAY - FRIDAY
For more information or to volunteer please contact
Lissette Perez at lissettelpinsurecom
THE TORCH | NOVEMBER 2019 5
SPECIAL ANNOUNCEMENTOIR RECEIVES ANNUAL WORKERSrsquo COMPENSATION RATE FILINGTALLAHASSEE Fla ndash The Office of Insurance Regulation (OIR) has received the 2020 Florida workersrsquo compensation rate filing by the National Council on Compensation Insurance (NCCI) which proposes a statewide average premium decrease of 54 The new rates would become effective January 1 2020 As always OIR will review the filing to ensure the proposed changes are not excessive inadequate or unfairly discrimi-natory and evaluate its potential effects on the insurance marketplace and employers who are required by law to carry this insurance on their employees
NCCI is a licensed rating organization authorized to make rate filings on behalf of workersrsquo compensation insurance companies in Florida For more information about the filing read the NCCI 2020 Filing Summary
Wersquore more than your partner we are on your team As an independent partner to retailers globally we work with you to solve complex insurance placements through industry specialization market knowledge data analytics and a commitment to service To learn more about the resources we provide visit amwinscomonyourteam
Reach New Heights with Agency RevolutionIn the competitive world of insurance independent agencies need every advantage they can
get Thatrsquos why LAAIA and Agency Revolution have partnered to bring you the most power-
ful automation relationship-building and website marketing tools built just for independent
agencies like yours
Contact us today to discover how LAAIA members like you can get
50 off implementation
20 off monthly fees
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 5
SPECIAL ANNOUNCEMENTOIR RECEIVES ANNUAL WORKERSrsquo COMPENSATION RATE FILINGTALLAHASSEE Fla ndash The Office of Insurance Regulation (OIR) has received the 2020 Florida workersrsquo compensation rate filing by the National Council on Compensation Insurance (NCCI) which proposes a statewide average premium decrease of 54 The new rates would become effective January 1 2020 As always OIR will review the filing to ensure the proposed changes are not excessive inadequate or unfairly discrimi-natory and evaluate its potential effects on the insurance marketplace and employers who are required by law to carry this insurance on their employees
NCCI is a licensed rating organization authorized to make rate filings on behalf of workersrsquo compensation insurance companies in Florida For more information about the filing read the NCCI 2020 Filing Summary
Wersquore more than your partner we are on your team As an independent partner to retailers globally we work with you to solve complex insurance placements through industry specialization market knowledge data analytics and a commitment to service To learn more about the resources we provide visit amwinscomonyourteam
Reach New Heights with Agency RevolutionIn the competitive world of insurance independent agencies need every advantage they can
get Thatrsquos why LAAIA and Agency Revolution have partnered to bring you the most power-
ful automation relationship-building and website marketing tools built just for independent
agencies like yours
Contact us today to discover how LAAIA members like you can get
50 off implementation
20 off monthly fees
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 6
PAST PRESIDENTSrsquo BREAKFASTOn Friday Novemeber 8th all of LAAIArsquos past presidents gathered for breakfast at Novecento in Doral to celebrate 50 years of leadership They toasted to old and new memories while sharing photos of their time in presidency
OUT amp ABOUT
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 7
7
CHARITY CORNER
ldquoTo find out more please information click hererdquohttpswwwlaaiacomholtz
THE TORCH | NOVEMBER 2019 7
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 8
BROWARD HIGHLIGHTSlsquoTis the season for decking the halls eating too much and scrambling to meet year end deadlines Therersquos so little time with so much to do The holiday season can bring mixed emotions for many For some itrsquos their favorite time of year For others it brings feelings of sadness and loss Now is the perfect time to reflect and also to connect Consider inviting a co-worker or neighbor over to your home to celebrate the holidays as some people do not have anywhere to goIf you are the one who is alone then try to volunteer somewhere That is always a fun way to lift your spirits and is greatly appreciated by those of whom you served
We would like to thank Kemper Auto Infinity and speaker Todd Grober for their wonderful presentation given to our members at our November meeting BLAAIArsquos Vice President Nicole Marcus commented ldquoThis event tonight is a perfect example of why if you arenrsquot a member of this association yet then you should berdquo We concur
Since we do not have a membership meeting in December our Charity committee has put together a wonderful and fun painting event to benefit Lifenet4families in Broward County on December 11th Please note that it is being held at a different location than when we had this event earlier in the year Come show off your painting skills Donrsquot fret there is still time to register at wwwblaaiacom
Broward LAAIA would like to take this time to thank all of our members sponsors and partners for another great year We say it all the time but we would be nothing without you We wish you the best for this holiday season whatever you celebrate Just be sure to make it great for you and others around you Oh and have a piece of pie for us
We are looking forward to this holiday season and incoming year
-The Broward Chapter Board of the LAAIAblaaia
8THE TORCH | NOVEMBER 2019 8
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 9
ATLANTA HIGHLIGHTSThank you to all those who attended our LAAIA Atlanta luncheon on Thursday November 14 at Maggianorsquos Perimeter Mall A special thank you to Heritage Insurance for sponsoring the event We hope to see you all in the next upcoming event
9THE TORCH | NOVEMBER 2019 9
SPECIAL ANNOUNCEMENTWe couldnrsquot be more excited for our upcoming 2020 Annual Fly-in The LAAIA is heading up to our Capitol on January 20th- 22nd to meet with legislators and key figures in order to discuss many insurance issues that our association continues to focus our efforts on Leading this yearrsquos topics is Workers Compensation AOB windshield reform PIP and Diligent Effort requisites for commercial residential policies We have been diligently working on and looking forward to continuing our conversations with our legislators that will keep the best interest of our agents and clients on the forefront Join LAAIA in Tallahassee Together we are one voice for our industry and the consumers of the State of Florida Donrsquot be left behind and help us represent our consumers in Tallahassee
For donations to the political committee httpswwwlaaiacomlegislative
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 10
IN THE NEWSIN THE NEWS
Will a Credit Freeze Boost Car Insurance Premiums
Q Irsquove heard that insurers use credit data to set premiums but I froze my credit reports after the Equifax data breach Will this affect my car insurance rates -CM New York City
A All states except California Hawaii and Massachusetts allow insurers to use your credit-based ldquoinsurance scorerdquo as a factor when setting rates And in a few of those states including New York if you donrsquot unfreeze one or more of your credit reports when applying for an insurance policy the score could come back as a ldquono hitrdquo and you could be treated as if you have no credit history In that case you could end up with a higher premium because you wouldnrsquot earn any discounts for having a good score says Jill Roth an independent insurance agent in Alexandria Va But most states allow credit reviews for insurance purposes even if the files are frozen says Penny Gusner an insurance expert at Insurecom
Let your agent or insurer know about the freeze before you apply for a policy Also ask if you should thaw your report before a renewal especially if you can benefit from a higher score says Justin Herndon an Allstate spokesman
READ MORE httpswwwkiplingercomarticleinsuranceT004-C001-S002-will-a-credit-freeze-boost-insurance-premiumshtml
SOURCE Kiplingercom February 2018 | Reprinted with sincere thanksby By KIMBERLY LANKFORD
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 11
AGENT OF CHANGE
Guidelines for Giving Gifts at WorkSOURCE tthebalancecarrerscom July 21 2019 | Reprinted with sincere thanks
By L AHLE WOLFE
Although workplace gift-giving should not be considered mandatory many people and businesses do exchange gifts especially during the holidays That means every December when businesses honor the holiday gift-giving custom people need to navigate the tricky gift-giving waters Some employees wonder if they need to give a gift to their bosses The answer ismdashgifts should flow downward not upward
Another common dilemma is how you deal with co-worker pressure to give more than you can afford to a holiday gift collection Also a big concern each year is what are appropriate gifts for colleagues
The Pressure of Group Gift-GivingEach office will have its own gift-giving rulesmdashincluding rules for donating to charities If your office is taking up a collection for a group gift for a colleague you may feel uncomfortable about pitching in Perhaps yoursquore new to the office or yoursquore just financially strapped at the moment If yoursquore being pressured to chip in for a gift when yoursquod rather not itrsquos okay to say ldquoSorry but I need to passrdquo or ldquoSorry my budget wonrsquot allow it this yearrdquo
Giving Gifts to ColleaguesAs a general rule gifts that are intended to be put on the recipientrsquos bodymdashsuch as perfume lotion clothes or jewelrymdashare too personal to give to work colleagues Gag gifts should also be avoided because they can be hit or miss especially if you donrsquot know the recipient that well
READ MORE httpswwwthebalancecareerscomfaqs-about-giving-gifts-in-the-workplace-3515608
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 12
INSURANCE MATTERS
OIR Orders Larger Workersrsquo Compensation Insurance Rate Decrease for 2020
TALLAHASSEE Fla ndash Florida Insurance Commissioner David Altmaier issued an Order on Rate Filing today to the National Council on Compensation Insurance (NCCI) requesting an amended filing to reduce workersrsquo compensation rates by 75 percent for 2020 The Order notifies NCCI that the rate filing submitted for a 54 rate decrease has been disapproved and if amended by November 4 2019 will be approved with the larger workersrsquo compensation rate decrease Approval of a revised 75 rate decrease is contingent on the amended filing being submitted with changes as stipulated within the Order If approved by the OIR the revised rate de-crease would become effective on January 1 2020 for new and renewal business
About the Florida Office of Insurance RegulationThe Florida Office of Insurance Regulation has primary responsibility for regula-tion compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets For more information about OIR please visit our website or follow us on Twitter FLOIR_comm
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 13
With this change from InsureSign to Formstack Sign customers can look forward to the same great product and support as they are used to with InsureSign This change in brand allows us to expand InsureSignrsquos offering beyond the current e-signature product and gives better access to Formstackrsquos other products that offer online forms document automation workflow automation and data integrations
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 14
Rating as of (September 19 2018) AM Bestrsquos Ratings are under continuous review and subject to change andor affirmation For the latest Bestrsquos Ratings and Bestrsquos Company Reports (which include Bestrsquos Ratings) visit the AM Best website at wwwambestcom The rating represents the overall financial status of the individual member companies of Zurich in North America including Zurich American Insurance Company and is not a recommendation of the specific policy provisions rates or practices of each issuing insurance company Wright National Flood Insurance Services LLC is not a subsidiary or affiliate of Zurich and use of its services is independent of but coordinated with Zurichrsquos products or services This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America and is provided solely for informational purposes Your policy is the contract that specifically and fully describes your coverage terms and conditions The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states copy2019 Wright National Flood Insurance Services LLC in all states excluding California (dba Wright Flood Insurance Services LLC License 0D26879) and New York (Wright National Flood Insurance Services of New York LLC)
Wrightrsquos Newest Private Flood Product Features
bull No Waiting Periodbull No Elevation Certificatebull Higher Dwelling Limitsbull Single Deductiblebull Replacement Cost on both Dwelling and Personal
Property
bull Building Ordinance Optional Loss of Use and Other Structures Coverage
bull New Optional Resiliency Coverage (Re-building with Flood-resistive Materials)
To gain access and quote this new product go to WrightFloodcom Call your RSM or Flood Marketing at 866-373-5663
Approximately 85 of all US properties do not have flood insurance protection Source 2018 Pulse Survey Insurance Information Institute
AM BEST A+ XV ADMITTED FLOOD SOLUTION LAUNCHED TO CLOSE THE COVERAGE GAP
Wright National Flood Insurance Services and Zurich American Insurance Company have teamed up to bring unmatched security and stability to The Flood Insurance Marketplace The result of this partnership is a residential flood product that is easy to use flexible and provides multiple coverage options
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
THE TORCH | NOVEMBER 2019 15
NATIONALLightspeed VoiceFlagler Insurance Agency
LAAIAWelcomes Our Newest Members
NEW MEMBERS
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