Professional Insurance Agents of New Jersey Inc.
May 17, 2004
Producers must provide insurance scenarios starting May 14
All licensed insurance producers and insurers transacting personal automobile insurance must provide applicants and insureds with a document that describes at
least three insurance scenarios demonstrating the effect
of different coverage choices, beginning May 14, 2004.
The document must be provided to new applicants in
connection with a premium quotation or application
and prior to executing a coverage selection form and to
existing insureds upon request.
To help producers comply with the new rule,
PIANJ has prepared QuickSource document No. 29175,
entitled “A producer’s guide to complying with the insurance scenarios regulation.” The document includes
some frequently asked questions and answers, a summary of the regulation, the full text of the regulation,
sample scenarios for producer’s use, and a copy of the
Department of Banking and Insurance’s approved scenarios document. To request your copy, contact the
PIANJ Industry Resource Center by e-mail,
resourcecenter@piaonline.org, or call
(800) 424-4244.—Muratori
DOBI to allow insurance scoring for personal auto
The Department of Banking and Insurance issued
Bulletin 04-05 advising property/casualty insurers that
filings that incorporate insurance scoring will be considered as long as certain consumer protections are
maintained.
DOBI Commissioner Holly Bakke and other high
ranking officials from the department recently contacted PIANJ President John D’Agostino Jr., CIC, and
Legislative Representative Leon Zimmerman to preannounce the decision and to discuss the guidelines the
department will require insurers to follow when
using insurance scoring.
PIANJ praised the DOBI’s promise that it will
monitor closely companies’ insurance scoring practices
as it accepts filings from insurance companies wishing
to introduce insurance scoring in their rating of personal
auto insurance.
The DOBI told PIANJ that, as part of its efforts to
identify techniques to promote a consumer-directed
competitive environment, it would begin immediately
considering companies’ requests to implement insurance scoring in their rating practices. The department
has vowed to maintain a focused eye toward the interests
(Continued on page 4.)
DOBI adopts insurance ID card regulation
The Department of Banking and Insurance recently
adopted the proposed amendments to the insurance ID
card regulation effective April 19. The new rules require insurance ID cards, both temporaryand permanent, to contain at least one anti-counterfeiting measure
that has been approved by the DOBI. In order to obtain
approval, insurance carriers must file their anti-counterfeit permanent and temporary ID cards by June 18,
2004, and describe its anti-counterfeiting measure and
the information law enforcement and other authorized
persons will need to determine the card is not counterfeit. The anti-counterfeit measure must make the card
difficult to duplicate by photocopying, scanning or by
other means without detection.
PIANJ met with the DOBI last year to discuss the
proposed changes to the insurance ID card regulation
PIA Reporter May 17, 2004
(see details in the Nov. 20, 2003 Reporter). At that time
PIANJ requested that the DOBI allow producers to use
ACORD ID cards as an alternative to issuing their insurers’ ID cards, which may vary from insurer to insurer.
The DOBI agreed that because consumers need to be
able to obtain ID cards, producers may use ACORD ID
cards as long as their insurers notify the DOBI of this
option when they file their ID cards with the DOBI. In
addition, the DOBI stated in their regulation comments
that in lieu of developing their own permanent and temporary ID cards, insurers are allowed to utilize an approved anti-counterfeit permanent and/or temporary ID
card from a third party such as ACORD; ACORD has
filed an anti-counterfeit permanent and temporary ID
card with the department.
(Continued on page 5.)
1
Association
PIANJ’s Lunch ‘n’ Learn—Employee vs. Independent Contractor
The feedback from the first installment of
PIANJ’s Lunch ‘n’ Learn was overwhelmingly
positive—did you miss out? If you missed the first
one, be sure to check out this new program format
May 27—when PIANJ presents, If it walks like a
duck: Is that an employee? Or is that an independent contractor?
Audit surprise!—It’s one of the most unpleasant experiences agents and clients face. A big contributor to “audit surprise” is the confusion
surrounding “who is an employee?” Smart agency
spend time educating policyholders so they are
dealing in legal realities, not “wishes and dreams.”
Getting it right up front can save your agency embarrassment and hard feelings later—it can even save your
business relationship with the client! And, you will be more
effective in presenting the case for Independent Contractor
status, when legitimately warranted.
In under an hour, Lunch ‘n’ Learn’s Employee vs. Independent Contractor Program will teach your staff how to
advise your clients on the classification of workers as either
employees or independent contractors, so they can more accurately estimate their workers’ compensation premium.
For details and to register, logon to the PIANJ Web site
and click the Lunch ‘n’ Learn link.—Kiehl
PIANJ Legislative Representative discusses lobbying in Trenton
PIANJ’s Legislative Representative, Leon
Zimmerman was among several lobbyists who participated in a panel discussion, “Lobbying in Trenton: What Really Happens.” The panel discussion
was part of the Insurance Council of New Jersey’s
Insurance Day at the Statehouse, where employees
of member insurance companies attend various
panel discussions, such as the one discussing lobbying in
Trenton. Zimmerman shared his views on how to effectively
participate in the legislative process.
Zimmerman has been representing PIANJ in the legislative and regulatory arenas for 31 years. Prior to lobbying, he
was an award-winning journalist serving as politics editor of
the Bergen Record.—Muratori
Not receiving e-mail from PIA? Get the most out of your inbox
Electronic communication has becoming a
mainstream means companies employ to keep in
touch with clients, colleagues, prospects and more.
It is a vehicle PIA uses frequently to disseminate
news.
Haven’t heard from us
Address comments to:
PIANJ Reporter
in a while? Chances are
Phone:
there’s a problem on the re(800) 424-4244
Fax: (888) 225-6935
ceiving end of electronic deWeb site:
www.pianj.org
Editorial staff:
Lisa Lannon,
Managing editor
Stacey Aleksejczyk,
Publications
specialist
Deb Bastian, CIC
Kenneth Bessette
Mary Christiano
Dan Corbin
CPCU, CIC, LUTC
Jaye Czupryna
Steven Imbriaco, Esq.
Diane Kattrein, CAE
Ellen Kiehl,
Ph.D., CAE
Nick Marchetti
Jill Muratori, Esq.
2
liveries. To help make sure you receive the most out of your
membership, PIANJ is offering a QuickSource document to
help troubleshoot the myriad reasons you may not be receiving PIANJ information via e-mail.
To view this document logon to the PIA Web site,
www.piaonline.org, and click on the “Are you blocking important PIA news?” link, under the “Daily News” section.
—Aleksejczyk, Lannon
PIANJ Industry Resource Center
Updated auto reform packet available
PIANJ’s Industry Resource Center has
recently made an update to its auto reform
packet (QS29155) to include the latest information on the auto reform issue and recent regulation changes. Some areas
highlighted in this packet include: ID card
changes, cancellation, deductibles, renewal
and nonrenewal of auto policies, eligible
person qualifications and the special auto
policy. We will continue to update this kit,
as new information becomes available.
PIA also is offering another
QuickSource document specifically addressing the requirements of the insurance
scenario regulations (QS29175). For further information on these requirements, see
page 1.
To request either of these documents,
logon to www.piaonline.org, and key the
appropriate QuickSource document number in the Quick-Link box in the upperright-hand corner, or fax PIANJ’s Industry
Resource Center at (888) 225-6935.
PIA Reporter May 17, 2004
Association (Continued)
2004 PIANJ/PIANY annual conference full of CE, networking
PIANJ and PIANY are gearing up for the largest
gathering of insurance producers in the Northeast. The
PIANJ/PIANY 2004 joint annual conference will be
held June 6-8, 2004, at Bally’s Atlantic City. Attendance
is expected to break last year’s record of some 1,500
agents, company representatives, exhibitors and other
insurance industry professionals.
“This event grows larger and larger each year,” said
John D’Agostino Jr., CIC, president of PIANJ. “Insurance professionals gather at this venue because they
know they will find topical education seminars, meet
with old friends and establish valuable new contacts.”
Education opportunities. Education sessions for
continuing education credit include the following: Additional Insureds: Who’s Covered?; Specialty Personal
Lines Overview; Estate Planning; Insuring Contracts
and Leases II; Hot-Button E&O Issues: Strategies for
Protection; and much more. Logon to the PIANJ Web
site for a complete listing.
Nitecap Reception. Stick around after the opening
reception for beer, wine, coffee, dancing and more at the
Young Insurance Professionals Nitecap reception.
Young Insurance Professionals luncheon. Welcome new YIPs, meet the incoming NJYIP president
and greet the NY-YIP chairman.
Annual recognition banquet. Don’t miss the annual
recognition banquet. Enjoy cocktails, dinner and dancing, and congratulate the recipients of this year’s PIANJ
awards.
Fun Run. Take part in the 20th annual Fun Run,
benefitting the Special Olympics New Jersey. (See the
next article for more information.)
Logon to the PIA Web site and use Quick-Link No.
EC10016 for event details and to register.—Czupryna
NJYIP 20th Fun Run hopes to raise $100,000 for Special Olympics
To mark its 20th anniversary, the New Jersey Young
Insurance Professionals’ Fun Run expects to raise
$100,000 for Special Olympics New Jersey this year.
Held as part of the PIANJ/PIANY Joint Annual Conference, the event will take place Tuesday, June 8, 2004, at
Bally’s Atlantic City. The 1.5-kilometer race, sponsored
by Franklin Mutual Insurance, continues to grow, passing its own record for contributions each year.
NJYIP has held the Fun Run since 1984. Combined
with proceeds from the PIANJ’s annual Golf Classic, the
association’s total contributions to SONJ have exceeded
$1.6 million. The money helps to purchase equipment
for training and competitions for SONJ athletes.
The $1.6 million raised by NJYIP and PIANJ has
sent 2,000 athletes to SONJ’s Summer Games; provided
6,000 athletes with an entire season of league baseball
play; uniformed 10,000 athletes for a season of training
and competition; reached out to support new athletes;
and expanded public awareness of SONJ.
For more information about the Fun Run, or to
make a donation to SONJ, contact Terry Vierschilling at
(800) 424-4244, ext. 273, or logon to www.njyip.org/
funrun_2004.shtml.—Czupryna
State
DOBI adopts standards for safeguarding customer information
The Department of Banking and Insurance recently
adopted rules that will require producers and insurers to
establish safeguards to protect the confidentiality of customer records and information.
The rules will require licensees (including producers) to implement a comprehensive written information
security program that includes administrative, technical
and physical safeguards for the protection of customer
information. These safeguards would be appropriate to
the size and complexity of the licensee. The security system would need to be designed to: 1. ensure the security
and confidentiality of customer information; 2. protect
PIA Reporter May 17, 2004
against anticipated threats or hazards to the security or
integrity of the information; and 3. protect against unauthorized access to or use of the information that could
result in substantial harm or inconvenience to a
customer.
The rules contain several “examples” of actions producers could take when implementing a security program and is based on the National Association of
Insurance Commissioner’s model.
Producers have until Oct. 19, 2004, to establish and
implement an information security program.—Muratori
3
State (Continued)
DOBI to allow insurance scoring for personal auto
of consumers, including a program that will collect data
from insurance companies and assess their implementation of scoring on a quarterly basis for three years.
“We agree with the department that insurance scoring is a national trend in underwriting auto insurance,
and we are pleased that the commissioner has promised
to closely monitor the use of insurance scoring in the
marketplace,” D’Agostino said. “Improving the auto
market is a good thing, and certainly, protection of our
customers—the insurance buying public—is a matter
with which independent agents are primarily concerned.”
The department has promised to include in its insurance scoring criteria several protections, including the
following.
• Restrictions on using race, sex, age, income, residency or collection accounts with a medical history code
(Continued from page 1.)
as scoring factors;
• Prohibitions of the use of scoring as the sole factor
to deny, cancel or nonrenew coverage or to increase premium on existing business;
• Measures to protect consumers with no credit history;
• Providing exceptions for consumers whose credit
information has been directly influenced by extraordinary life events;
• Providing written notice and specific explanations
if an insurer takes an action resulting in an “adverse effect” based on information contained in a credit report;
and
• Providing explanations to applicants and policyholders about how insurance scoring will be used.
—Czupryna
PIANJ attains PEO licensing clarification
The Department of Banking and Insurance recently
adopted its proposal clarifying those activities undertaken by professional employer organizations and employee leasing companies that require licensure as an
insurance producer. This clarification comes after several years of lobbying by PIANJ. PIANJ had explained
to the DOBI and to legislators that when sales representatives of PEOs attempt to sell the PEO’s services to a
potential client, they often engage in activities that require an insurance producer’s license. Such activities
include providing information about policy rates and
coverages, initiating inquiries as to the terms of existing
insurance coverages, and answering prospect’s questions
on existing insurance programs and insurance needs.
The regulation clarifies that those engaging in these, and
other types of solicitation activities, on behalf of a PEO
need to be properly licensed as an insurance producer.
The regulation clarifies that when a PEO’s only insurance related activity when enrolling new members is either providing information on the single insurance plan
available through the PEO or distributing literature on
multiple insurance plans, it is not engaging in activities
requiring licensure.—Muratori
PIANJ supports DOBI’s changes to premium financing regulation
PIANJ President John D’Agostino, Jr., CIC, recently offered support to the department for its proposed amendments to the rules concerning premium
finance agreements. The changes would allow the use of
one premium finance agreement to cover multiple commercial policies, renewals, additions or changes where
those policies are issued through the same producer.
D’Agostino told the department the change would benefit insurance consumers by allowing them to finance
the premiums of multiple commercial policies in a more
efficient manner. Additionally, consumers may be able
to avoid duplicative fees for separate premium financing
agreements and may be able to negotiate a lower interest
rate than they would have received on individual agreements. PIANJ also suggested that the department consider allowing multiple noncommercial policies to be
included on one premium finance agreement.
—Muratori
For up-to-date industry news and association information, logon to
the PIANJ Web site, www.piaonline.org/NJ.
4
PIA Reporter May 17 2004
State (Continued)
DAD policy sales near 3,000
The Department of Banking and Insurance recently
announced that sales of the Dollar-a-Day policies has increased dramatically. The sale of the policies has risen
79 percent within a four week time period. Since its inception in October, 2,750 policies have been sold.
“We are pleased that the Dollar-a-Day policy is
reaching more New Jerseyans,” DOBI Commissioner
Bakke said. “The policy is an integral part of a competitive marketplace that offers consumers choices of coverage and cost.”
The Dollar-a-Day policy was designed to help make
auto insurance available to drivers who are likely to go
uninsured because of limited financial resources. Qualified candidates are limited to those enrolled in Federal
Medicaid. Low-income drivers who do not have Medicaid should consider the Basic Policy, which offers minimum limits of liability and PIP coverage, as well as
coverage for damage to another driver’s car in the event
of an accident. More than 21,000 Basic Policies have
been sold.—Aleksejczyk
DOBI adopts insurance ID card regulation (Continued from page 1.)
In addition to filing the ID cards by June 18, the
rules also require every insurer or group of insurers to
file with the DOBI, by May 19, 2004, an insurance verification phone number to which inquiries from law enforcement personnel about the insurance status of a
driver can be made. Any change in the verification
phone number must be reported to the department
within one business day. The regulation also requires in-
surers to notify the DOBI within 30 days of any change
to their initial ID card filing.
While the regulation takes effect April 19, the
DOBI stated they will be establishing a date by which
the new anti-counterfeit ID cards must be implemented.
Until that time, producers and carriers should
continue to use the ID cards that were in compliance
with the old regulation.—Bastian
DOBI adopts rules to phase out take-all-comers law
The Department of Banking and Insurance adopted
rules, effective April 19, 2004, that implement an important part of the auto reform law. The new regulations will phase out the take-all-comers law over the
next five years and establish a voluntary rating tier in
the Personal Automobile Insurance Plan for those who
cannot get coverage in the voluntary market. The rules
will allow an insurer to use alternate underwriting rules
for new business or cease writing new business in any
rating territory where the insurer has met certain
growth requirements. For calendar year 2004, the
growth requirement for the previous 12 months is 5
percent and decreases to 1 percent in 2008. The Commissioner may reinstate take-all-comers upon finding
that a competitive market does not exist.
Eligible persons declined insurance in a rating territory where an insurer is using alternate underwriting
rules or has ceased writing new business will be advised
that coverage may be available from another insurer or
that coverage is available in the VRT in PAIP. If the declined application or request for coverage was made in
writing, the insurer or producer must provide the applicant with a denial notice that the DOBI has developed.
If the request was made orally the insurer or producer
may provide the explanation of the reasons for denial
PIA Reporter May 17, 2004
orally but shall provide the written denial if requested by
the applicant within 30 days of the oral denial.
The regulation makes several changes to the rules
governing PAIP. It establishes the definition of “qualified eligible person” who is an eligible person denied
coverage by an insurer permitted to use alternate underwriting rules. It deletes the requirement that PAIP provide coverage only to “ineligible persons” and allows
coverage for “qualified eligible persons” as well. It also
establishes a voluntary rating tier administered by the
PAIP in accordance with a VRT plan of operation. The
VRT is separate from that created for UEZ assignments.
The VRT plan of operation shall provide for: 1. the procedure for determining eligibility of the applicant; 2. a
VRT producer eligibility program which shall be available only to producers otherwise certified by the PAIP
who have a contract to write personal private passenger
automobile insurance with a voluntary market insurer
that is actively writing such insurance that authorizes the
producer to solicit business on its behalf; 3. procedures
for assignment to insurers pursuant to apportionment
methodology of PAIP’s plan of operation; and 4. procedure for nonrenewal of policies, among other things.
PAIP recently adopted VRT rates and procedures, see
the article on page 6.—Muratori
5
National
NFIP to offer low-cost commercial and renters’ flood insurance
The National Flood Insurance Program has begun
offering new preferred risk policy products for both
commercial properties and renters markets. Created in
response to consumer demand for lower-cost flood insurance options, these products will help the insurance
industry reach new customers, offer more options to existing customers, and protect agents against errors and
omissions exposure.
The PRP is an easy-to-write, low-cost flood insurance policy for properties in low- to moderate-risk
zones, where one-in-four NFIP flood insurance claims
occur.
Two new PRP products for commercial properties
are now available. The first is a combination “building
and contents” policy available for owners of commercial (nonresidential) structures, including businesses,
schools and farms. Limits up to $500,000 in building
and $500,000 in contents coverage are available. For
business owners that do not own their buildings, “contents-only” coverage is available up to $500,000. Premiums for these policies are at least 30 percent less
expensive than the standard flood insurance policy
premium.
The third new PRP product is a low-cost “contentsonly” policy available for renters of apartments or
homes with limits up to $100,000. In addition to these
new products, homeowners who currently have preferred risk policies now can get higher limits of
contents coverage at minimal additional cost.
The latest information on these new, low-cost flood
insurance products is available on the FEMA Web site,
www.fema.gov/nfip.—Aleksejczyk
Do-not-fax law drawing law firms: beware
A PIA member reported that his client received a
notice from an attorney, representing someone to whom
the client had faxed a price list by mistake. The law firm
was offering to “settle” this incident as a violation of
federal do-not-fax rules—for more than $3,000! Federal law prohibits the use of any telephone facsimile
machine, computer, or other device to send an “unsolicited advertisement” to a telephone facsimile machine.
An unsolicited advertisement is defined as “any mate-
rial advertising the commercial availability or quality
of any property, goods or services which is transmitted
to any person without that person’s prior express invitation or permission.” A review of federal do-not-fax and
do-not-call rules, including the current regulatory situation with fax “advertisements,” is available from PIANJ
as QuickSource document No. 90340. Logon to the PIA
Web site and enter QS90340 into the Quick-Link box.
—Kiehl
Work toward asbestos solution dies in Senate
Negotiations toward a compromise for a federally
run asbestos fund ended recently when the talks broke
down. The fund, S. 2290, would have been created to
compensate victims of asbestos diseases, however the
discussions ended when parties mutually agreed to disagree over how big the fund should be.
S. 2290, the Fairness in Asbestos Injury Resolution
Act, would have replaced the tort process with an exclusive fund which insurers hoped would put a bottom-line
dollar figure on asbestos-related losses and help them
reserve accordingly.—Aleksejczyk
Technical
PAIP issues VRT rates
The new auto reform and implementing regulations
contain a procedure for phasing out the take-all-comers
requirement and provide for the establishment of a voluntary rating tier in the Personal Automobile Insurance
Plan. The VRT will be for those individuals who cannot
secure coverage in the voluntary market from insurers
that have met territory growth requirements and are,
therefore, relieved from the TAC requirements.
6
PAIP has issued Circular 04-14 to announce the
Department of Banking and Insurance approved pricing
for VRT insureds. The VRT procedures and rates are effective June 1, 2004, for new business and July 15,
2004, for renewals. To view the circular, go to PAIP’s
Web site, www.aipso.com/nj/, and click on the second
bullet under “What’s New.”—Bastian
PIA Reporter May 17, 2004
Company
Companies report first quarter results
• Chubb Corp. reported its net income in the first
quarter of 2004 was $360.7 million, a 61 percent increase over net income of $224.6 million in the first
quarter of 2003. Net income per share increased 44
percent to $1.88 from $1.31.
• Selective Insurance Group Inc. reported net income of $27.5 million, or 88 cents per diluted share, for
the first quarter ended March 31, 2004, compared with
$8 million, or 29 cents per diluted share, for the same
period last year.
• ACE Ltd. recently said its quarterly earnings rose,
helped by higher premiums. The company earned $447
million, or $1.53 per share, in its first quarter, compared
with $247 million, or 90 cents per share, a year earlier.
• American International Group Inc. recently
named Jacob Frenkel as vice chair. The New York-based
insurer said Frenkel will also serve as chairman of
AIG’s Global Economic Strategies Group.
• Aon Corp. announced its first quarter profit rose
12 percent, boosted by higher revenue. The company reported net income of $170 million, or 53 cents a share,
which was up from the prior year’s $152 million, or 48
cents a share.
• Rutgers Insurance Cos. has told their agents that
they have been granted relief from the obligation to accept new private passenger auto business, effective April
27, 2004. The company said it will continue to renew
contracts currently in effect, but may decline to renew
risks that fail to meet current underwriting standards.
• Mercury General Corp. recently said first-quarter
profit rose, helped by higher premiums as the company
boosted market share. The company said net income was
$68.8 million, or $1.26 per diluted share, compared with
$42.1 million, or 77 cents per diluted share, a year earlier.
• Harleysville Group Inc. recently reported diluted
net income of 55 cents per share in the first quarter of
2004. The company had a diluted net loss of 11 cents per
share in the first quarter of 2003.
• Hartford Financial Services Group Inc. recently
reported a quarterly profit, compared with a loss a year
earlier when it took a $1.7 billion charge to boost its reserves for asbestos claims. The company posted net income of $568 million, or $1.93 a share, in the first
quarter, compared with a loss of $1.4 billion, or $5.46 a
share, a year earlier.
PIA Reporter May 17, 2004
• St. Paul Travelers Cos. Inc. reported that net income for the first quarter ended March 31, 2004, increased 73 percent to $587.2 million, or $1.34 per share
diluted compared to the prior year quarter.
• A.M. Best Co. downgraded the financial strength
rating of Motor Club of America Insurance Co. to C++
(Marginal) from B (Fair). The company has an approved
plan to withdraw from writing any insurance business,
to nonrenew all New Jersey private passenger auto policies, and to conduct a runoff of its claims, according to
A.M. Best, which views the rating outlook as stable.
• The jury for the Silverstein/WTC trial found that
Swiss Re used an insurance form that defined the destruction of the Twin Towers by two hijacked planes as
one event rather than two. The most recent verdict, combined with the jury’s prior ruling that the towers’ collapse counted as a single event for most of the dozen or
so insurers involved, has potentially shaved about $1.8
billion from the amount available to rebuild. Swiss Re
was liable for $877 million, about one-quarter of the total insurance. The verdicts in favor of the insurers mean
that the maximum insurance payout would leave less
than $5 billion for the rebuilding project instead of $7
billion Silverstein sought.
• Fireman’s Fund Insurance Co. has chosen American Collectors Insurance Inc. as exclusive provider for
its co-branded collector vehicle program that insures the
recreational driving of classic and collectible vehicles.
• ACE USA introduced Storm Tracker, a new insurance product that provides coverage for business losses
occurring when a hurricane arrives within a predetermined number of miles of an insured location, even if
there is no physical damage to the insured property.
• Agency-management software maker AMS will
announce it has added quoting new business into the
workflow of its year-old TransactNow Web bridge
product at its 28th National Users’ Group Conference in
Indianapolis.
• Nearly 1,000 Prudential Financial Inc. employeeinsurance agents across the country are now members of
the New York-based Office and Professional Employees
International Union, Local 153. The union won the right
to represent agents in 34 states who work directly for
Prudential, but not agents who are independent
contractors.—Aleksejczyk
7
PIANJ Calendar of Events
May
May 26—Edison
• CISR IC: Insuring Commercial
Casualty Exposures
NJCE: 8/12 with designation
May 27—Your office
• Lunch ‘n’ Learn Teleconference
Series—Employee vs. Independent Contractor
June
June 6-8—Atlantic City
PIANJ/PIANY 2004 Joint
Annual Conference
Use Quick-Link No. ED14048 for a full
course listing and NJCE details.
Courses include the following.
• Insuring the Internet Exposures
• Additional Insureds—Who’s
Covered
• Insurance Fraud: Understanding
& Preventing the Crime
• Estate Planning
• The Living Trust
• Insuring Contracts & Leases
• Directors & Officers Liability
• Specialty Personal Lines
Overview
• Advanced Personal Lines
Coverages
• E&O Session
June 23-26—Branchville
• CIC Agency Management
Institute ^FF, ^UM
NJCE: 20 /12 with designation
update
June 29—Florham Park
• CISR PR: Insuring Personal Residential
Property
NJCE: 8/12 with designation
June 30—Mt. Laurel
• CISR PR: Insuring Personal Residential
Property
NJCE: 8/12 with designation
June 30—Your office
• Lunch ‘n’ Learn Teleconference Series—
Employee Handbooks—Your Agency’s Best
Friend
NJCE: 8/12 with designation
To register for an education event, call the Education Department, (800) 424-4244. Or, logon to the PIA Web site, click
“New Jersey,” “Education,” and then “Schedule.” ^FF ^UM—Contact the PIA E&O Department for details.