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T H E B R O W A R D L A A I A

ClarionR e a c h i n g O u r G o a l s T o g e t h e r

J U L Y 2 0 1 8 bull V O L U M E 6 bull N U M B E R 7

Summer SpecialBy CLIFF DUNN

We are deep in the Summer of 2018 and your Broward LAAIA Clarion hopes yoursquore enjoying all that Florida has to offer in the safest way possible We had a fantastic June Membership Meeting (see photos above) and we want to thank our fantastic sponsor THE HEARTH INSURANCE GROUP for their ongoing support and partnership with us

At our June meeting our new board and officers were elected and their installation will take place on August 24 The Board is committed to the most beneficial experience for our members Please join me in welcoming our Broward LAAIA 2018-2019 Officers and Directors

bull PresidentLuisOrtegaBestOneInsurancebull President-ElectBarrySandersKnightInsurancebull VicePresidentAndyPappasSynergyInsurancebull TreasurerJimSullivanJampLInsurancebull SecretaryNicoleMarcus-DoumaTheMarcusGroupbull DirectorAnaTorresTorresInsuranceAgencybull DirectorDanaDuboisPinesInsurancebull DirectorBrianCaseyWestInsuranceofFloridabull DirectorMarianoDeMarinHomeportInsurancebull DirectorDebbieEchevarriaStateAutoTagand Insurancebull ImmediatePastPresidentCynthiaScottUniversity Insurance Groupbull BoardofCounselorsRepresentativeAlMendez

MendezandAssociatesInsurancebull CompanyLiaisonEricFinstadAccuAgency

All our board members volunteer their time to serve our members and to advance BLAAIArsquos vision We appreciate their dedication

Summerrsquos a great time to reach out to your clients and suggest a helpful checkup and review of their policies especially for pleasure craft and off-road vehicles not to mention to see if their homes and autos are adequately insured for any recent changes in their lives

You might also remind them to take extra good care of themselves and their loved ones in this oh-so-hot season like taking extra breaks and drinking lots of water The National Safety Council also reminds everyone that summer mosquitoes can cause illnesses including Zika and West Nile viruses so protect yourself at work and play

Summersizzleswithbarbecuesparadesfireworksandvisitstotheemergency room especially during July Clients with kids should be reminded that although everyone takes a fall therersquos a right way to do it In 2015 125145 people were treated in hospital emergency rooms for skateboarding injuries And although most boating experiences are fun they can turn deadly if boaters arenrsquot vigilant about safety at all times We want you and your insureds to be safe all year rsquoround

T H E B R O W A R D L A A I A

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The Latin American Asso-ciation of Insurance Agencies (LAAIA) Broward Chapter was founded in September 2010 LAAIA is an association of in-surance professionals whose purpose is to protect the rights of its member for the benefit of the consumer through edu-cation information network-ing and active participation in the political environment and community service

LAAIA of Broward CountyPO Box 17093Plantation FL 33318

WWWBLAAIACOM

PUBLISHER Cynthia Scott

EDITOR Cliff Dunn

CREATIVE DIRECTOR NikiLopez

Have 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 usat FacebookcomBroward-LAAIA

IMPERIAL PFSreg PROVIDES A SUPERIOR PREMIUM FINANCE EXPERIENCE THROUGH INDUSTRY-LEADING TECHNOLOGY

IPFS Credit Advantagereg - proprietary scoring model to offer enhanced terms to qualified account holders

Flexibile Payment Options - IVR phone payments credit card or ACH down payments monthly payments on ipfscom or IPFS Connect mobile app quarterly and customized payment due dates and more

IPFS Connectreg mobile app - make payments view account status and review policy information all from your smart device

For installment payment processing a $22 fee may be assessed by Western Union with installment payments capped at $4000 Worldpay our credit card down payment processing partner will charge $1250 for credit card payments up to $400 OR 299 for amounts over $400 with no maximum Copyright copy 2018 IPFS Corporation All rights reserved

Agency Dashboard - gives agents access on ipfscom to account holder information such as activity data and electronic communication statistics

CONTACT

GWEN SAUNDERS 7864233720 gwensaundersipfscom

Visit us today at ipfscom or follow us on social media for news and updates on Imperial PFS

Cancellation Avoidance Tools - pending cancellation warnings for account holders via email or text message impending cancellation reports for agents and more

Advanced Insurance ampFinancial Services Cooper City

CVG Divine Insurance Agency Hollywood

NEW MEMBERS

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SAVE THE DATESponsor Appreciation Night

Your Broward LAAIA invites you to come and enjoy an evening of appetizers and cocktails to help us recognize our sponsors for theircontinued support and generosity throughout the year WHEN ampWHERE July 18 2017 600 pm-900 pm at The Historic Maxwell Room (10 South New River Drive East Fort Lauderdale FL 33301) PleaseRSVPbyJuly142018

LAST CHANCE TO REGISTER FOR NATIONAL CONVENTIONRegistration for the 48th Annual LAAIA National Convention is open until July 16 2018 The convention takes place Wednesday August 1 2018 800 am - Saturday August 4 2018 1000 pm at The Diplomat Beach Resort Hollywood 3555 South Ocean Drive Hollywood Florida 33019

We encourage all insurance agents and professionals to connect with PEOPLE network with a PURPOSE and educate your PASSION

The excitement begins Wednesday August 1 at the beautiful and remodeled Diplomat Resort in Hollywood We have 29 continuing education hours available followed by our Elite Legislative Wrap Up which includes the LAAIA Political Committee cocktail hour

The 2018 LAAIA Charity Golf Tournament takes place Thursday August 2 at the Club at Emerald Hills rated the Number 1 golf course inSouthFloridabyUSGATheshotgunisat8amwithamazingprizesandawesomegoodiebags

Our main event on Friday August 3 is our LAAIA Trade Fair with over 150 exhibitors and over 2000 insurance professionals

Throughout the convention yoursquoll enjoymany opportunities to socialize and network withMixology onThursday night PassionThrough Movement on Friday night poolside Dominos on Saturday morning and Samba at Dusk on Saturday evening

Register TODAY for the convention and secure your special room rates

Sponsorships opportunities are still available

If you have any questions please contact Soraya at 305-477-1442 or via email at sorayalaaiacom We look forward in seeing you at South Floridarsquos largest insurance convention

To register please

Your Broward LAAIA invites you to come and enjoy an evening of appetizers and cocktails to help us recognizeour sponsors for their continued support and generosity throughout the year Please join us in thanking and supporting these dedicated partners Southern Oak | Enterprise Holdings |Olympus|Windhaven|TheHearth|HullampCo|ImperialPFS | Peoples Trust | Progressive | AmTrust | Don Meyler Inspections | Braishfield | AccuAgency | Universal NA | Honor Capital | Macneill | Maison Insurance | Glass America | Market Scout | London Underwriters | Florida Family | ABCO | Wind Mitigation Retrofit Solutions | Florida Peninsula | Prepared | Safepoint | Ascendant | Geovera | Selective

WHENampWHEREPleaseRSVPtoJuly162018atMidnightToregisterpleaseCLICKHERE

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SPECIAL REPORTTime for A Cookout

Grilling Safety amp Homeowners Insurance Basics

By INSURANCE INFORMATION INSTITUTE

Every year millions of A m e r i c a n s safely enjoy o u t d o o r b a r b e c u e s but accidents do happen According to the US Fire

Administration about 5700 grill fires take place on residential property every year causing an annual average of $37 million in damage 100 injuries and 10 deaths The majority of grill fires are caused by malfunctioning gas grills In addition thousands of people visit emergency rooms every year because they have burned themselves while barbecuing

Homeowners Policy Coverage

In the rare instance of a grill fire spreading to your property your homeowners insurance would provide financial protection as fire is a covered peril A homeowners policy covers the following

bull Damagetothehouseitselfbull Damagetopersonalpossessionssuchaslawnfurniturebull Damagetoinsuredstructuresonyourpropertysuchasashedorgazebobull Injuriestoaguestundertheliabilityportionofthepolicy

Keep in mind yoursquoll have to pay your deductible before yourinsurance kicks in so if damage is minimal and your deductible is high it may not make sense to file an insurance claim

However the best way to enjoy a summer of outdoor barbecues is to take steps to prevent accidents including maintaining your grill and using it safely

Grill Maintenance and Storage

Gas grills are generally safe if they are properly maintained and checked for leaks In some instances grills are unsafe due to faulty design or construction (You can search the website of the Consumer Product Safety Commission httpwwwcpscgov to see if there has been a recall on your grill) When setting up at the start of each grilling season the following tips can help ensure everybodyrsquos safety

bull Check grill hoses for cracks holes and brittleness Look forblockages as well especially in the Venturi tube that runs to theburners Clear blockagesmdashcaused by food drippings spiders or insectsmdashwith a wire or pipe cleanerbull Run a soap solution (one part liquid soap one part water)along hoses and at connections then open the valve at your tank and check to make sure that gas isnrsquot escaping which will be indicated by bubbles at the leaking pointsbull Adjusthosesasneededaway fromhotareasorwheregreasemight drip on thembull Store propane tanks outside away from your house Alwayscheck to make sure valves are firmly turned off

Safe Barbecuing Practices

When barbecuing use common sense and follow these guidelinesbull Operate your barbecue on a level surface away from yourhouse garage and landscaping Donrsquot move the grill once it is litbull Keepchildrenandpetsawayfromthergrillbull Protect yourselfmdashor whoever is doing the grillingmdashwith aheavy apron and oven mitts that reach high on the forearmbull ForcharcoalgrillsuseonlylighterfluiddesignedforgrillingNever use gasoline or other flammable liquids and never add more lighter fluid once the fire has startedbull Never grill indoors or in enclosed areas Charcoal grillsproduce carbon monoxide (CO) fumes which can be fatal in unventilated areasbull Keepafireextinguishernearbybull Whenyoursquoredonewithyourcookingrememberthatthegrillwill remain hot for a while Donrsquot cover or store your grill until it has cooled and soak coals with water before throwing them away

In Case of An Accident

If a grill accidentmdashor any kind of accidentmdashdoes occur injuries should be addressed immediately Run cool water over minor burns but do not cover injured areas with bandages butter or salve In the case of more serious burns victims should visit the emergency room or an urgent care facility If needed or when in doubt call 911

Once you have dealt with any injuries assess your property damage and if the situation calls for it contact your insurance professional to discuss filing a claim

A version of this article originally appeared on May 22 2015 at iiiorg Reprinted with sincere thanks

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THE INFORMED AGENTUnusual Risks of Pool Ownership

By DANIEL WILLIAMS

The yin and yang of summer are a hot steamy day and the cool refreshing water of a swimming pool

Floating languidly at the local swim club or at a friendrsquos house could cause one to desire a pool of his own but several insurance considerations should come into play before installing an in-ground attractive nuisance

Property Losses

Many of us first think of the liability issues involved with pool ownership but pools are also subject to some complicated property losses For example in Bozek v ErieIns Group 46 NE3d 362 (Ill App 2015) the insuredrsquos pool heaved out of the ground

The pool had been emptied to clean debris and then three and half inches of rain fell Because the weight of the water in the pool did not exceed the uplift forces of the water pressure in the soil the pool lifted upward damaging it beyond repair and taking out the surrounding concrete slab

The Bozeks had a Homeowners policy with Erie InsuranceGroup that provided $89000 in coverage for damage to the pool However when the Bozeks presented a claim to theinsurer Erie denied coverage based on the anticoncurrent causation clause in the policy The insureds alleged that Erie improperly denied coverage In the Bozeksrsquo view theanticoncurrent causation clause dictated that because a failure of the pressure-relief valve in this instance (a covered event) preceded the increase in hydrostatic pressure (an excluded event) the loss was covered

Point in Time

The court looked to the point in time that the cause contributed to the loss not the point in time that the cause came into existence Here the court did not look at the point in time when the valve failed it looked at the point in time that the failed valve contributed to the loss and the failed valve and the hydrostatic pressure contributed concurrently to the loss

The covered event here did not lead to a separate or different lossIndeedwithoutaseparatelosstheBozeksrsquointerpretationof the anticoncurrent causation clause would lead to an untenable result The failed pressure valve did not cause any loss until it converged with the excluded event

Put another way said the court prior to the excluded event there was no loss for which coverage could conceivably vest Neither the uplifted pool nor the damaged concrete occurred until the hydrostatic pressure acted upon the sides

BARRYrsquoS INSPIRATIONAL CORNERBy BARRY SANDERS

Concentrate on sending positive vibes into the world Smile when you answer the phone Go the extra mile when dealing with friends family

and clients Change and good karma begins with you

Cont on next page 6

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of the pool The two causes contributed concurrently to

this loss and so the anticoncurrent causation clause plainly precluded coverage

Tropical Storm Damage

InasimilarcasemdashLibertyMutFireInsCovMartinez157So3d 486 (Fla App 2015) mdash the court found that the ensuing loss exception to the water exclusion did not a apply when a pool lifted out of the ground during a tropical storm damaging the pool its deck a rock garden and a waterfall

The insureds in this case emptied their in-ground pool because it was overflowing due to tropical storm rains The subsurface water accumulated under the pool exerting hydrostatic pressure on the empty pool and lifting it out of the ground Liberty Mutual denied the claim based on the exclusion for damage caused by water below the surface exerting pressure on a swimming pool

Unlike the previous case there was no faulty valve here The pressure was the cause of loss The insureds argued that the damage to the other property should be covered under the ensuing loss provision The court though said it was clear that the policy excluded losses caused directly or indirectly by subsurface water pressure which would include the damage to the other property

Falling Debris Hazards

When pools arenrsquot popping out of the ground and causing damage they may have things falling into them also causing damage A few questions we have received from FCampSsubscribers involved hazardous materials finding their wayinto pools

First up is an insured with an Insurance Services Office (ISO) HO 00 03 04 91 homeownerrsquos policy The neighbors were having a roof replaced and during the contractorrsquos removal of the shingles the asbestos from the shingles migrated into the insuredrsquos in-ground swimming pool and caused damage

Because the pool was an ldquootherrdquo structure coverage was provided on an open perils basis The form contained an exclusion for faulty workmanship repair and construction of part or all of any property on or off the residence premises The faulty work did not have to apply to the insuredrsquos property mdash the policy merely said any property on or off premises While there was an ensuing loss provision that could provide coverage asbestos is a pollutant and is not covered unless caused by a coverage C named peril which was not the case here Coverage for the asbestos in the pool would be excluded

Light-Fixture Explosion

Another question involved a commercial property loss and provided a different outcome A mercury-vapor light fixture above a swimming pool in the insuredrsquos building exploded

releasing material into the pool that necessitated the draining cleaning and testing of the pool at a considerable expense to the insured

The agent believed that coverage was provided for this loss in its entirety less the deductible under the ISO Causes of Loss mdash Special form CP 00 10 under its exception to the pollution exclusion The insurer on the other hand argued that the only coverage available for this loss was on the ISO Building and Personal Property Coverage form CP 00 10 under the additional coverage for pollution clean up and removal which limits coverage to $10000

Physical Loss or Damage to Property

The first item to consider was whether there was direct physical loss or damage to the property The mercury polluted the water and necessitated the draining cleaning testing and refilling of the pool Assuming that more than the water was damaged mdash that mercury traces had to be removed from the pool itself mdash then the loss met the policy requirement of direct physical loss to property

Dispersal or release of pollutants is excluded under the special causes of loss form unless that dispersal or release is itself caused by any of the specified causes of loss Explosion which was the cause of loss in this situation is one of the enumerated specified causes of loss Therefore the pollution exclusion did not apply to this loss

Because in this particular case the pollution was caused by one of the specified causes of loss (explosion) the damage arising out of that explosion should be covered in full

The answer may be different however if the water in the pool were considered to fall within the category of property not covered Pool water would not typically be considered as part of this category but would be viewed as personal property of the insured

Court Interpretation

Should the pool water be considered property not covered the pollutant cleanup additional coverage would apply since that additional coverage applies to cleanup of land and water While it may seem a stretch that water in a swimming pool is what the policy drafters intended ldquowaterrdquo is not a defined term so could be subject to court interpretation If a court were to determine that the pool water fell within the category of property not covered only the $10000 of pollutant cleanup coverage would be triggered

When not popping out of the ground or becoming polluted swimming pools are a welcome relief for sweltering summer days but they also bring their own set of potential losses

This article originally appeared on July 20 2016 at PropertyCasualty360com Reprinted with sincere thanks

Cont from page 5

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Like us at FacebookcomBrowardLAAIAto go to FB page

AGENT PROVOCATEURAre Your Clients Insured

for Summer FunBy DENNY JACOB

Across the country many individuals are setting plans in place for the arrival of summer From cross-country road trips to surfing at the local beach the summer likely means more travel and outdoor expeditions While itrsquos easy to get distracted by all the fun in the sun there are a number of insurance risks and needs consumers should consider first

Many people go on vacation or travel around the world during the summer But even extensively planned trips can be disrupted by an unforeseen incident like losing your luggage Others sprinkle in some time to try their hand at extreme sports like hiking or rock climbing Even taking the family boat out to sea can create some risky exposures

Summer should be a time of fun and relaxation but that doesnrsquot mean insureds should be any less diligent about their exposures Minimize your exposures and maximize yourprotections with these four tips from the National Association of Insurance Commissioners (NAIC)

1 Pools and trampolines can be dangerous so some companies may not insure your property if you own them or there may be policy exclusions for liability for related injuries An insurance company may also deny coverage or cancel your policy if you do not follow the policyrsquos safety guidelines or fail to inform them when you build a pool or purchase a trampoline Consider purchasing an umbrella policy in addition to your homeowners insurance to increase your liability coverage

2 A boat insurance policy provides coverage if someone is injured on your boat It also covers bodily injury inflicted on others and property damage to your boat Personal watercrafts such as jet skis often require a separate policy that may be offered by your homeowners insurer

3 ATVs are not covered by standardautomobile insurance policies but your homeowners policy may partially cover

liability Ask your agent if you have sufficient coverage on your homeowners policy If you do not you should consider a separateATVpolicyAskyourprovideraboutagerestrictionsregardingwhomayoperate theATVor if thepolicy coversfriends and family

4 Whether yoursquore leaving home for a weekend getaway or a long road trip be aware of what your homeowners or renterrsquos policy will cover while yoursquore gone Typically your homeowners insurance will follow you protecting you even while yoursquore not at home Off-premises coverage means your belongings are covered anywhere in the world If yoursquore staying at a hotel and your belongings are stolen your homeowners policy will provide coverage but the exact coverage depends on your policy In addition to your deductible items will typically have a limit on things like jewelry and furs If yoursquore traveling with high-priced items itrsquos a good idea to get separate insurance coverage for these items

With these in mind yoursquoll be sure to have a safe and memorable summer

This article originally appeared on May 23 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

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THE INFORMED AGENTUnusual Risks of Pool Ownership

By DANIEL WILLIAMS

The yin and yang of summer are a hot steamy day and the cool refreshing water of a swimming pool

Floating languidly at the local swim club or at a friendrsquos house could cause one to desire a pool of his own but several insurance considerations should come into play before installing an in-ground attractive nuisance

Property Losses

Many of us first think of the liability issues involved with pool ownership but pools are also subject to some complicated property losses For example in Bozek v ErieIns Group 46 NE3d 362 (Ill App 2015) the insuredrsquos pool heaved out of the ground

The pool had been emptied to clean debris and then three and half inches of rain fell Because the weight of the water in the pool did not exceed the uplift forces of the water pressure in the soil the pool lifted upward damaging it beyond repair and taking out the surrounding concrete slab

The Bozeks had a Homeowners policy with Erie InsuranceGroup that provided $89000 in coverage for damage to the pool However when the Bozeks presented a claim to theinsurer Erie denied coverage based on the anticoncurrent causation clause in the policy The insureds alleged that Erie improperly denied coverage In the Bozeksrsquo view theanticoncurrent causation clause dictated that because a failure of the pressure-relief valve in this instance (a covered event) preceded the increase in hydrostatic pressure (an excluded event) the loss was covered

Point in Time

The court looked to the point in time that the cause contributed to the loss not the point in time that the cause came into existence Here the court did not look at the point in time when the valve failed it looked at the point in time that the failed valve contributed to the loss and the failed valve and the hydrostatic pressure contributed concurrently to the loss

The covered event here did not lead to a separate or different lossIndeedwithoutaseparatelosstheBozeksrsquointerpretationof the anticoncurrent causation clause would lead to an untenable result The failed pressure valve did not cause any loss until it converged with the excluded event

Put another way said the court prior to the excluded event there was no loss for which coverage could conceivably vest Neither the uplifted pool nor the damaged concrete occurred until the hydrostatic pressure acted upon the sides

BARRYrsquoS INSPIRATIONAL CORNERBy BARRY SANDERS

Concentrate on sending positive vibes into the world Smile when you answer the phone Go the extra mile when dealing with friends family

and clients Change and good karma begins with you

Cont on next page 6

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of the pool The two causes contributed concurrently to

this loss and so the anticoncurrent causation clause plainly precluded coverage

Tropical Storm Damage

InasimilarcasemdashLibertyMutFireInsCovMartinez157So3d 486 (Fla App 2015) mdash the court found that the ensuing loss exception to the water exclusion did not a apply when a pool lifted out of the ground during a tropical storm damaging the pool its deck a rock garden and a waterfall

The insureds in this case emptied their in-ground pool because it was overflowing due to tropical storm rains The subsurface water accumulated under the pool exerting hydrostatic pressure on the empty pool and lifting it out of the ground Liberty Mutual denied the claim based on the exclusion for damage caused by water below the surface exerting pressure on a swimming pool

Unlike the previous case there was no faulty valve here The pressure was the cause of loss The insureds argued that the damage to the other property should be covered under the ensuing loss provision The court though said it was clear that the policy excluded losses caused directly or indirectly by subsurface water pressure which would include the damage to the other property

Falling Debris Hazards

When pools arenrsquot popping out of the ground and causing damage they may have things falling into them also causing damage A few questions we have received from FCampSsubscribers involved hazardous materials finding their wayinto pools

First up is an insured with an Insurance Services Office (ISO) HO 00 03 04 91 homeownerrsquos policy The neighbors were having a roof replaced and during the contractorrsquos removal of the shingles the asbestos from the shingles migrated into the insuredrsquos in-ground swimming pool and caused damage

Because the pool was an ldquootherrdquo structure coverage was provided on an open perils basis The form contained an exclusion for faulty workmanship repair and construction of part or all of any property on or off the residence premises The faulty work did not have to apply to the insuredrsquos property mdash the policy merely said any property on or off premises While there was an ensuing loss provision that could provide coverage asbestos is a pollutant and is not covered unless caused by a coverage C named peril which was not the case here Coverage for the asbestos in the pool would be excluded

Light-Fixture Explosion

Another question involved a commercial property loss and provided a different outcome A mercury-vapor light fixture above a swimming pool in the insuredrsquos building exploded

releasing material into the pool that necessitated the draining cleaning and testing of the pool at a considerable expense to the insured

The agent believed that coverage was provided for this loss in its entirety less the deductible under the ISO Causes of Loss mdash Special form CP 00 10 under its exception to the pollution exclusion The insurer on the other hand argued that the only coverage available for this loss was on the ISO Building and Personal Property Coverage form CP 00 10 under the additional coverage for pollution clean up and removal which limits coverage to $10000

Physical Loss or Damage to Property

The first item to consider was whether there was direct physical loss or damage to the property The mercury polluted the water and necessitated the draining cleaning testing and refilling of the pool Assuming that more than the water was damaged mdash that mercury traces had to be removed from the pool itself mdash then the loss met the policy requirement of direct physical loss to property

Dispersal or release of pollutants is excluded under the special causes of loss form unless that dispersal or release is itself caused by any of the specified causes of loss Explosion which was the cause of loss in this situation is one of the enumerated specified causes of loss Therefore the pollution exclusion did not apply to this loss

Because in this particular case the pollution was caused by one of the specified causes of loss (explosion) the damage arising out of that explosion should be covered in full

The answer may be different however if the water in the pool were considered to fall within the category of property not covered Pool water would not typically be considered as part of this category but would be viewed as personal property of the insured

Court Interpretation

Should the pool water be considered property not covered the pollutant cleanup additional coverage would apply since that additional coverage applies to cleanup of land and water While it may seem a stretch that water in a swimming pool is what the policy drafters intended ldquowaterrdquo is not a defined term so could be subject to court interpretation If a court were to determine that the pool water fell within the category of property not covered only the $10000 of pollutant cleanup coverage would be triggered

When not popping out of the ground or becoming polluted swimming pools are a welcome relief for sweltering summer days but they also bring their own set of potential losses

This article originally appeared on July 20 2016 at PropertyCasualty360com Reprinted with sincere thanks

Cont from page 5

CLA

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+ 7

7

Like us at FacebookcomBrowardLAAIAto go to FB page

AGENT PROVOCATEURAre Your Clients Insured

for Summer FunBy DENNY JACOB

Across the country many individuals are setting plans in place for the arrival of summer From cross-country road trips to surfing at the local beach the summer likely means more travel and outdoor expeditions While itrsquos easy to get distracted by all the fun in the sun there are a number of insurance risks and needs consumers should consider first

Many people go on vacation or travel around the world during the summer But even extensively planned trips can be disrupted by an unforeseen incident like losing your luggage Others sprinkle in some time to try their hand at extreme sports like hiking or rock climbing Even taking the family boat out to sea can create some risky exposures

Summer should be a time of fun and relaxation but that doesnrsquot mean insureds should be any less diligent about their exposures Minimize your exposures and maximize yourprotections with these four tips from the National Association of Insurance Commissioners (NAIC)

1 Pools and trampolines can be dangerous so some companies may not insure your property if you own them or there may be policy exclusions for liability for related injuries An insurance company may also deny coverage or cancel your policy if you do not follow the policyrsquos safety guidelines or fail to inform them when you build a pool or purchase a trampoline Consider purchasing an umbrella policy in addition to your homeowners insurance to increase your liability coverage

2 A boat insurance policy provides coverage if someone is injured on your boat It also covers bodily injury inflicted on others and property damage to your boat Personal watercrafts such as jet skis often require a separate policy that may be offered by your homeowners insurer

3 ATVs are not covered by standardautomobile insurance policies but your homeowners policy may partially cover

liability Ask your agent if you have sufficient coverage on your homeowners policy If you do not you should consider a separateATVpolicyAskyourprovideraboutagerestrictionsregardingwhomayoperate theATVor if thepolicy coversfriends and family

4 Whether yoursquore leaving home for a weekend getaway or a long road trip be aware of what your homeowners or renterrsquos policy will cover while yoursquore gone Typically your homeowners insurance will follow you protecting you even while yoursquore not at home Off-premises coverage means your belongings are covered anywhere in the world If yoursquore staying at a hotel and your belongings are stolen your homeowners policy will provide coverage but the exact coverage depends on your policy In addition to your deductible items will typically have a limit on things like jewelry and furs If yoursquore traveling with high-priced items itrsquos a good idea to get separate insurance coverage for these items

With these in mind yoursquoll be sure to have a safe and memorable summer

This article originally appeared on May 23 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

RION

+ 6

6

of the pool The two causes contributed concurrently to

this loss and so the anticoncurrent causation clause plainly precluded coverage

Tropical Storm Damage

InasimilarcasemdashLibertyMutFireInsCovMartinez157So3d 486 (Fla App 2015) mdash the court found that the ensuing loss exception to the water exclusion did not a apply when a pool lifted out of the ground during a tropical storm damaging the pool its deck a rock garden and a waterfall

The insureds in this case emptied their in-ground pool because it was overflowing due to tropical storm rains The subsurface water accumulated under the pool exerting hydrostatic pressure on the empty pool and lifting it out of the ground Liberty Mutual denied the claim based on the exclusion for damage caused by water below the surface exerting pressure on a swimming pool

Unlike the previous case there was no faulty valve here The pressure was the cause of loss The insureds argued that the damage to the other property should be covered under the ensuing loss provision The court though said it was clear that the policy excluded losses caused directly or indirectly by subsurface water pressure which would include the damage to the other property

Falling Debris Hazards

When pools arenrsquot popping out of the ground and causing damage they may have things falling into them also causing damage A few questions we have received from FCampSsubscribers involved hazardous materials finding their wayinto pools

First up is an insured with an Insurance Services Office (ISO) HO 00 03 04 91 homeownerrsquos policy The neighbors were having a roof replaced and during the contractorrsquos removal of the shingles the asbestos from the shingles migrated into the insuredrsquos in-ground swimming pool and caused damage

Because the pool was an ldquootherrdquo structure coverage was provided on an open perils basis The form contained an exclusion for faulty workmanship repair and construction of part or all of any property on or off the residence premises The faulty work did not have to apply to the insuredrsquos property mdash the policy merely said any property on or off premises While there was an ensuing loss provision that could provide coverage asbestos is a pollutant and is not covered unless caused by a coverage C named peril which was not the case here Coverage for the asbestos in the pool would be excluded

Light-Fixture Explosion

Another question involved a commercial property loss and provided a different outcome A mercury-vapor light fixture above a swimming pool in the insuredrsquos building exploded

releasing material into the pool that necessitated the draining cleaning and testing of the pool at a considerable expense to the insured

The agent believed that coverage was provided for this loss in its entirety less the deductible under the ISO Causes of Loss mdash Special form CP 00 10 under its exception to the pollution exclusion The insurer on the other hand argued that the only coverage available for this loss was on the ISO Building and Personal Property Coverage form CP 00 10 under the additional coverage for pollution clean up and removal which limits coverage to $10000

Physical Loss or Damage to Property

The first item to consider was whether there was direct physical loss or damage to the property The mercury polluted the water and necessitated the draining cleaning testing and refilling of the pool Assuming that more than the water was damaged mdash that mercury traces had to be removed from the pool itself mdash then the loss met the policy requirement of direct physical loss to property

Dispersal or release of pollutants is excluded under the special causes of loss form unless that dispersal or release is itself caused by any of the specified causes of loss Explosion which was the cause of loss in this situation is one of the enumerated specified causes of loss Therefore the pollution exclusion did not apply to this loss

Because in this particular case the pollution was caused by one of the specified causes of loss (explosion) the damage arising out of that explosion should be covered in full

The answer may be different however if the water in the pool were considered to fall within the category of property not covered Pool water would not typically be considered as part of this category but would be viewed as personal property of the insured

Court Interpretation

Should the pool water be considered property not covered the pollutant cleanup additional coverage would apply since that additional coverage applies to cleanup of land and water While it may seem a stretch that water in a swimming pool is what the policy drafters intended ldquowaterrdquo is not a defined term so could be subject to court interpretation If a court were to determine that the pool water fell within the category of property not covered only the $10000 of pollutant cleanup coverage would be triggered

When not popping out of the ground or becoming polluted swimming pools are a welcome relief for sweltering summer days but they also bring their own set of potential losses

This article originally appeared on July 20 2016 at PropertyCasualty360com Reprinted with sincere thanks

Cont from page 5

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Like us at FacebookcomBrowardLAAIAto go to FB page

AGENT PROVOCATEURAre Your Clients Insured

for Summer FunBy DENNY JACOB

Across the country many individuals are setting plans in place for the arrival of summer From cross-country road trips to surfing at the local beach the summer likely means more travel and outdoor expeditions While itrsquos easy to get distracted by all the fun in the sun there are a number of insurance risks and needs consumers should consider first

Many people go on vacation or travel around the world during the summer But even extensively planned trips can be disrupted by an unforeseen incident like losing your luggage Others sprinkle in some time to try their hand at extreme sports like hiking or rock climbing Even taking the family boat out to sea can create some risky exposures

Summer should be a time of fun and relaxation but that doesnrsquot mean insureds should be any less diligent about their exposures Minimize your exposures and maximize yourprotections with these four tips from the National Association of Insurance Commissioners (NAIC)

1 Pools and trampolines can be dangerous so some companies may not insure your property if you own them or there may be policy exclusions for liability for related injuries An insurance company may also deny coverage or cancel your policy if you do not follow the policyrsquos safety guidelines or fail to inform them when you build a pool or purchase a trampoline Consider purchasing an umbrella policy in addition to your homeowners insurance to increase your liability coverage

2 A boat insurance policy provides coverage if someone is injured on your boat It also covers bodily injury inflicted on others and property damage to your boat Personal watercrafts such as jet skis often require a separate policy that may be offered by your homeowners insurer

3 ATVs are not covered by standardautomobile insurance policies but your homeowners policy may partially cover

liability Ask your agent if you have sufficient coverage on your homeowners policy If you do not you should consider a separateATVpolicyAskyourprovideraboutagerestrictionsregardingwhomayoperate theATVor if thepolicy coversfriends and family

4 Whether yoursquore leaving home for a weekend getaway or a long road trip be aware of what your homeowners or renterrsquos policy will cover while yoursquore gone Typically your homeowners insurance will follow you protecting you even while yoursquore not at home Off-premises coverage means your belongings are covered anywhere in the world If yoursquore staying at a hotel and your belongings are stolen your homeowners policy will provide coverage but the exact coverage depends on your policy In addition to your deductible items will typically have a limit on things like jewelry and furs If yoursquore traveling with high-priced items itrsquos a good idea to get separate insurance coverage for these items

With these in mind yoursquoll be sure to have a safe and memorable summer

This article originally appeared on May 23 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

RION

+ 7

7

Like us at FacebookcomBrowardLAAIAto go to FB page

AGENT PROVOCATEURAre Your Clients Insured

for Summer FunBy DENNY JACOB

Across the country many individuals are setting plans in place for the arrival of summer From cross-country road trips to surfing at the local beach the summer likely means more travel and outdoor expeditions While itrsquos easy to get distracted by all the fun in the sun there are a number of insurance risks and needs consumers should consider first

Many people go on vacation or travel around the world during the summer But even extensively planned trips can be disrupted by an unforeseen incident like losing your luggage Others sprinkle in some time to try their hand at extreme sports like hiking or rock climbing Even taking the family boat out to sea can create some risky exposures

Summer should be a time of fun and relaxation but that doesnrsquot mean insureds should be any less diligent about their exposures Minimize your exposures and maximize yourprotections with these four tips from the National Association of Insurance Commissioners (NAIC)

1 Pools and trampolines can be dangerous so some companies may not insure your property if you own them or there may be policy exclusions for liability for related injuries An insurance company may also deny coverage or cancel your policy if you do not follow the policyrsquos safety guidelines or fail to inform them when you build a pool or purchase a trampoline Consider purchasing an umbrella policy in addition to your homeowners insurance to increase your liability coverage

2 A boat insurance policy provides coverage if someone is injured on your boat It also covers bodily injury inflicted on others and property damage to your boat Personal watercrafts such as jet skis often require a separate policy that may be offered by your homeowners insurer

3 ATVs are not covered by standardautomobile insurance policies but your homeowners policy may partially cover

liability Ask your agent if you have sufficient coverage on your homeowners policy If you do not you should consider a separateATVpolicyAskyourprovideraboutagerestrictionsregardingwhomayoperate theATVor if thepolicy coversfriends and family

4 Whether yoursquore leaving home for a weekend getaway or a long road trip be aware of what your homeowners or renterrsquos policy will cover while yoursquore gone Typically your homeowners insurance will follow you protecting you even while yoursquore not at home Off-premises coverage means your belongings are covered anywhere in the world If yoursquore staying at a hotel and your belongings are stolen your homeowners policy will provide coverage but the exact coverage depends on your policy In addition to your deductible items will typically have a limit on things like jewelry and furs If yoursquore traveling with high-priced items itrsquos a good idea to get separate insurance coverage for these items

With these in mind yoursquoll be sure to have a safe and memorable summer

This article originally appeared on May 23 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

RION

+ 8

8

KNOWLEDGEABLE CITIZENSCitizens Puts Rate Hikes

on HoldTALLAHASSEE mdash Citizens Property Insurance will delay anydecision on 2019 rate increases until December with officials saying they want to assess the impact of a new program designed to curb the cost of non-weather water claims

TheCitizensBoardofGovernorsmeetingonJune20inMaitlandvoted unanimously to wait until a Dec 12 meeting to consider a rate increase that would average 79 percent for residential policyholders across the state Commercial policyholders including condominium associations would face an 89 percent average rate increase under the proposal

Bette Brown a consumer representative on the board urged members to put off the vote saying large portions of the state are still recovering from the impact of last yearrsquos Hurricane Irma

ldquoI feel very strongly that our state is still under some duress from this last storm You can really see it in South (Miami-) Dade and in theFloridaKeysrdquosaidBrownwholives in Monroe County

Florida Chief Financial Officer Jimmy Patronis said he supported the decision by the board of the state-backed insurer

ldquoPassing along a costly burden to policyholders while many are still recovering from an active hurricane season is not a solutionrdquo he said in a statement

Patronis also wrote a letter to the board urging members to work on a solution to the controversial practice of ldquoassignment of benefitsrdquo where policyholders sign over their insurance claims to contractors Citizens and other insurers say the practice mdashparticularly with residential water-damage claims mdash often leads to costly lawsuits and drives up rates

ldquoI remain committed to working with stakeholders from now until the December meeting to come up with better solutions to address the (assignment of benefits) epidemic while keeping policyholdersrsquo best interest at the forefrontrdquo Patronis said

Although members talked about delaying the rate decision until SeptembertheboardsupportedarecommendationfromCitizensPresident Barry Gilway who said waiting until December will give the state-backed insurer more time to evaluate the rate impact of a new ldquomanaged repair programrdquo which starts Aug 1

Under the program Citizens policyholders who suffer waterdamage from a non-weather event like a burst water pipe or faulty water heater will have the option of making a regular claim under their policies but with a $10000 cap for repairs including a $3000 limit for emergency services like water removal

If they opt to use the managed-repair program they will have their damage repaired by Citizens-approved contractorsThere would be no limit on the repair costs and the work would be covered by a three-year warranty Additionally beginning July 1 policyholders can also use an emergency water-removal and drying service that will be providedatnochargebyCitizens

The managed-repair program option is part of Citizensrsquo effortto reduce lawsuits stemming from assignments of benefits

Gilway said waiting until the boardrsquos December meeting will ldquogive us more adequate time frankly to determine what impact we can expect from the managed repair programrdquo

Board member Marc Dunbar of Tallahassee said the delay will allow members to ldquoget our arms around all of the (rate) data and the success of the managed repair programrdquo

Board member Gary Aubuchon of Lee County supported the delay but he also asked for theCitizens staff to evaluate the financialimpact of delaying a rate increase which under state law is capped annually at 10 percent

TypicallytheCitizensboardadvancesaraterequestinthesummerand after a review and approval by the state Office of Insurance Regulation rate changes take effect on Feb 1 But the 2018 rate increase which included a 66 percent hike for homeowners with multi-peril policies did not take effect until May 1 because of a90-day rate freeze thatwas imposedafter Irmahit the state inSeptember

AsofMayCitizenshad443000policies representingabout65percent of the residential market in Florida A version of this article originally appeared on June 25 2018 at News Service of Florida Reprinted with sincere thanks

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CITIZENS AGENTS BULLETINCompiledbyDULCESUAREZ-RESNICK

Did You Miss Important Information from Citizens

Citizens emails its appointed agentsand their agency principa

ls with important bulletins

regularly In case you missed them below are links to the personal lines and commercial lines

bulletins as well as the Agent Updates sent during the month of May

Personal Linesbull 052418 ndash Revised Eligibility for Tenant Contents and PolicyCenter Updates

for Dwelling Risks

Commercial Lines

bull 052218 ndash New Auto-Issued Policy Changes

Agent Updatesbull 053118 ndash PolicyCenter Enhancements for Loss Details and 2018 Hurricane

Season Information

bull 052118 ndash Personal Lines Agent Performance Standards Program

You also can find all bulletins on the website Choose News and then Agent Bulletins located

on the left side of thepage Formorehelpful information checkout theDidYouKnow

feature on the Agents site (you must log in to view)

Customer representatives and agency support staff can receive these bulletins via email

Register by going to our website and choose News then Agent Bulletins and then Subscribe

under Email Distribution on the right side of the page

You can search frequently asked questions (FAQs) under the Search menu bar by clicking on

SearchFrequentlyAskedQuestionsatthetopofeachCitizensrsquowebpageTheseFAQsanswer

many common questions and are available 247 If you log in to the Agents site yoursquoll get

agent-level answers if you donrsquot log in yoursquoll get consumer-level answers

Agents agency principals and licensed customer representatives can log in to the Agents

site and submit questions via the Contact Us option of the websiteCitizensshouldrespond

within three business days

Citizens has a vibrant socialmedia community where you can learnmore about current

programs and initiatives receive updates on press releases and share educational infographics

with your customers For agent information follow citizens_agents on Twitter and search

for Citizens Property Insurance on Facebook

CLA

RION

+ 9

9

CITIZENS AGENTS BULLETINCompiledbyDULCESUAREZ-RESNICK

Did You Miss Important Information from Citizens

Citizens emails its appointed agentsand their agency principa

ls with important bulletins

regularly In case you missed them below are links to the personal lines and commercial lines

bulletins as well as the Agent Updates sent during the month of May

Personal Linesbull 052418 ndash Revised Eligibility for Tenant Contents and PolicyCenter Updates

for Dwelling Risks

Commercial Lines

bull 052218 ndash New Auto-Issued Policy Changes

Agent Updatesbull 053118 ndash PolicyCenter Enhancements for Loss Details and 2018 Hurricane

Season Information

bull 052118 ndash Personal Lines Agent Performance Standards Program

You also can find all bulletins on the website Choose News and then Agent Bulletins located

on the left side of thepage Formorehelpful information checkout theDidYouKnow

feature on the Agents site (you must log in to view)

Customer representatives and agency support staff can receive these bulletins via email

Register by going to our website and choose News then Agent Bulletins and then Subscribe

under Email Distribution on the right side of the page

You can search frequently asked questions (FAQs) under the Search menu bar by clicking on

SearchFrequentlyAskedQuestionsatthetopofeachCitizensrsquowebpageTheseFAQsanswer

many common questions and are available 247 If you log in to the Agents site yoursquoll get

agent-level answers if you donrsquot log in yoursquoll get consumer-level answers

Agents agency principals and licensed customer representatives can log in to the Agents

site and submit questions via the Contact Us option of the websiteCitizensshouldrespond

within three business days

Citizens has a vibrant socialmedia community where you can learnmore about current

programs and initiatives receive updates on press releases and share educational infographics

with your customers For agent information follow citizens_agents on Twitter and search

for Citizens Property Insurance on Facebook

CLA

RION

+ 10

10

AGENT OF CHANGE5 Strategies to Be More Positive

By BILL GOUGH Allstate Hall of Fame Member

I want to share with you a parable that I read recently

one that I think can help me focus on becoming the type of person I want to be someone who is positive and compassionate

The essence of it is this

Inside each one of us are two starving wolves One wolf isLoveandKindness theotherwolf isAngerandFearEvery day they tear each other apart but it isnrsquot the better wolf that wins It is the one that you feed

We all have two wolves inside of us Itrsquos part of our human nature The key for us is to feed the positive one and starve the negative

The more we feed the positive wolf the bigger it gets and the stronger it becomes Here are a few ways we can feed the positive

1 Practice Gratitude You canrsquot be stressed and

thankful at the same time Gratitude is like muscle the more you exercise it the stronger it gets Take 10 minutes each day and make a list of what you are thankful for You will fill your body and brain with free but priceless anti-depressants2 S m i l e More It enhances your serotonin levels and uplifts you3 R e a d Uplifting and I n s p i r a t i o n a l Books Make a habit out of reading some type of positive material each day

I recommend doing it the first 15 minutes after you get up and the last 15 minutes before you go to bed This will begin and end your day positively4 Reach Out Call or visit someone who has made a difference in your life and thank them5 Learn to Laugh (More) Watch a funny movie that makes you belly laugh or go see a live comedy show Keepinglaughterinyourlifeisonetheeasiestwaystomaintain a positive attitude

Therersquos one more thing I like to keep in mind when trying to stay positive Input Equals Output You get out what you put in What you feed your body spiritually emotionally and physically directly affects your output If you put in negativity you will only generate more negativity Commit today to generate positivity in your life and the lives of others

Feel free to pass this on to your friends family and colleagues Everyone can benefit from having a little more positivity in their daily routine

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11

INDUSTRY INSIDER10 Most Common Agribusiness

Insurance ClaimsBy JAYLEEN R HEFT

Farmsofallsizeshaveuniquepropertyampcasualty insuranceneeds On a daily basis agribusiness professionals work with small and large equipment a variety of animals encounter weather challenges and use a wide variety of structures such as barns living quarters silos stables and garages

Farmers and ranchers benefit from commercial property insurance liability protection commercial auto insurance and often have the need for specialty coverage for the processing and distribution of agricultural products The people that produce our food encounter workersrsquo compensation claims and benefit from risk management and safety training

Encourage Safety Precautions

Nationwide one of the main farm insurance providers in the United States recently reported that over the last three years the top 10 types of agribusiness claims have accounted for more than 50000 claims

ldquoBy sharing our top claims data we hope to help agribusiness owners recognize areas of their operation that may needincreased safety precautionsrdquo said Carol Alvarez vicepresident of claims for Nationwide ldquoThese national trends can help business owners pinpoint areas where they can take extra measure to keep their employees products and equipment saferdquo

VehicleAccidentClaimsKeeponComing

Motor vehicle accidents were the mo -st common commercial agribusiness claim Nationwide received in 2017 Over the past three years motor vehicles accidents have accounted for more than 2000 total commercial agribusiness claims Nationwidersquos data for these accidents show the following trends in frequency and severity

Most Frequent Motor VehicleAccidents

1 Rear end

accidents2 Backing into vehicles3 Accidental strike of stationary object

MotorVehicleAccidentCausingMostSignificantDamage1 Overturned vehicles2 Head on collisions3 Intersection accidents

RiskManagementTipstoReduceVehicleAccidents

Nationwide recommends the following risk management tips to help agribusiness professionals reduce motor vehicle accidents and keep their employees safe

bull Embrace safety technology by equipping vehicles withcollision mitigation and telematics monitoring systemsbull Developstandardhiringcriteriafordriverscomprisedofnew driver orientations and documented trainingbull Developldquosafefollowingdistancerdquoandldquodistracteddrivingrdquopolicies that include comprehensive training and procedure enforcementbull Beawareofadvancedsafetybenefitsinnewertruckssuchas electronic stability control systems to prevent overturnbull Provideadditionaldocumented training forcommercialtruck drivers with tanker endorsements and those carrying high center of gravity loads

This article originally appeared on May 21 2018 at PropertyCasaulty360com Reprinted with sincere thanks

CLA

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12

INSURANCE MATTERSTop Four Wedding

Insurance Claims of 2017By DENNY JACOB

Everyone who has ever been involved with planning a wedding will tell you how stressful it is From the guests and food to the seating arrangement and music no detail can be overlooked

Unfortunately everything canrsquot be accounted for and some unexpected inconveniences may pop up and disrupt all the wedding plans Whether itrsquos inclement weather or contractual dispute with a hired party consider covering your wedding with some insurance to mitigate all possible risks

More than 40 of 2017 wedding insurance claims stemmed from the need to cancel or postpone the big day according to data from Aon Affinityrsquos WedSafe WedSafe offers two insurance options wedding liability insurance and wedding postponementcancellation insurance

ldquoCancelling or postponing a wedding is absolutely the last thing on your mind when yoursquore in the planning process but our numbers show itrsquos very much a reality that couples must facerdquo said Steve Lauro vice president of Aon Affinity in a statement

ldquoBrides and grooms have to plan for the unexpected to protect their investmentrdquo

With this in mind here is a ranking of the top four wedding insurance claims of 2017

Property Damage (21) Property damage claims included damage to the venuemdashfrom broken antique mirrors to gouged marble tablesmdashto damage to guestsrsquo property which in one case included a

tree falling on a car in the venue parking lot

Slip and Fall Injury (18) Hip injuries a broken foot sprained wrists happy couples wedding parties and guests experienced their share of injuries at venues throughout the yearmdashresulting in trips to the ER and some extensive surgeries

Vendor Issues (15) DJs move out of state florists go bankrupt and videographers donrsquot always deliver the final product All of these scenarios and more created wedding vendor issues for couples in 2017

TheftLossDamage (4) Finally it seems everyone loves a weddingmdasheven thieves Jewelry and cash topped the list of items most often snagged by sticky fingered party-crashers

A version of this article originally appeared on May 11 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

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13

LEWIS ON LEADERSHIPLeading in A Crisis

Some days are truly the definition of lsquocrisisrsquo Imagine you were the team leader at United Airlines h e a d q u a r t e r s when a video went viral showing a p a s s e n g e r being dragged off an airplane What would you have done Which team members would you call and which of the dozens ofs p o n t a n e o u s fires would

you opt to fight first Would you put out a press release (or tweet) or send a team member to the scene Would your focus fall on controlling the situation or leading the company through it

In surveys managers rank ldquoreputation risksrdquo among their top concerns in large part because bad news travels so much faster than it once did

Particularly in this age of Twitter itrsquos more important than ever for leaders to quickly and efficiently respond in a crisis whether itrsquos a full-blown disaster or simply an angry customerrsquos social media post or review thatrsquos starting to gain traction Here are some ideas for when the next big crisis hits your team

Figure Out Whatrsquos Going On You canrsquot impose order on a chaotic situation if you donrsquot know what the actual problem is

Act Quickly But Not Hurriedly Itrsquos vital to provide direction and respond to a crisis in a timely fashion But acting hurriedly makes people nervous You can act deliberately as well as promptly As basketball coach John Wooden advised ldquoBe quick but donrsquot hurryrdquo

Manage Expectations People want quick answers when trouble strikes but rarely is this kind of quick resolution possible A leader must speak to the magnitude of the

crisis You donrsquot want to scare people but donrsquot be afraid to address the scope and size of the situation WinstonChurchill was a master at not only summing up challenges but offering a response to them As he said when he took office in 1940 ldquoYou ask what is our aim I can answer in one word It is victory victory at all costs victory in spite of all terror victory however long and hard the road may be for without victory there is no survivalrdquo

Display Control Leaders assume control You may not be able to control the situation but you can control the response A leader puts him- or herself into the action and brings to bear the people and resources Think of a firefighterbattlingaragingblazethathemaynotbeabletocontrol but who knows that he can control the way it gets extinguished

Stay Loose A leader canrsquot afford to lose composure but a leader must also be able to adapt rapidly A crisis can change quickly your first response may be different from your final response A leader canrsquot be tied to a single strategy In a crisis he or she must be able to absorb new information and often make decisions on the spur of the moment

A leaderrsquos prime role is to set direction If he or she is engaged with too many front-line responsibilities who is left to handle the vision thing Leaders have another role during a crisis and that is to provide perspective Effective leaders can often do more by standing back from the action

The measure of a leader is often tested in a crisis Those leaders who can engage but maintain their sense of perspective are ones who will help a team survive and thrive

By ROBIN LEWIS

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14

Latin American Associationof Insurance Agencies

of Broward County

A G E N T S H E L P I N G A G E N T S

Mission StatementThe Latin American Association of Insurance Agencies 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

Fund-raising EventsBowl-A-Thon

Golf Tournamentand other events

LAAIA of Broward CountyPO Box 17093

Plantation FL 33318

WWWBLAAIACOM

W W W B L A A I A C O M

BLAAIA raised over $30000 last year for

Lifenet4families

Why the LAAIAThe Latin American Association of Insurance Agencies was founded in Miami in 1969 to unite and serve as a voice for independent insurance agents Today it is a strong network composed of members of various backgrounds and different roles in the industry including agents insurance firms and other companies

As the Association continues to grow the Broward chapter was born on September 2010 to serve the growing agency market in Florida

The LAAIA strives for an Insurance environment that is healthy for agents and fair for consumers by working on the following areas

LEGISLATIVE

EDUCATION

COMMUNICATION

COMMUNIT Y

SUPPORT NETWORKING

Member BenefitsLargest Annual Convention in South Florida

includes an array of educational programs trade fair and social events

Monthly Network Events Including dinners as part of your annual membership fees

Legislative advocacy for issues that affect you and your business

Access to more than 200 members representing Insurance Companies as well as insurance agents and peers

Partnership Programs

Education Continuing education courses approved by the Department of Insurance by certified instructors

Gain visibility and exposure through various BLAAIA committees

Monthly newsletter keeping you informed

Reduced advertising costs in several industry periodicals

Community projects through charitable campaigns

Reduced member rates on events throughout the year

Join Our Team

Agents like you make thisassociation a success IWe certify that the above listed information is true and accurate and that we accept all

regulations of the constitution of the Latin American Insurance Agencies

MEMBERSHIP COST (One-time) Initiation Fee + Annual Fee

Agency (Independent AgentAgency) $5000 +$40000Legislative Fund (Optional) $5000

_______________________________________________________Credit Card Exp Date

___________________ ______________Billing Zip Code Security Code

_______________________________________________________Signature

_______________________________________________________Name amp Designations

_______________________________________________________Agency name

_______________________________________________________Principal License

_______________________________________________________Company Website

_______________________________________________________E-mail

_________________________ __________________________Phone Fax

_______________________________________________________Physical Address

_______________________________________________________

_______________________________________________________Mailing Address

_______________________________________________________

METHOD OF PAYMENTpound Check (payable to Broward LAAIA)

pound MasterCard pound VISA pound American Express

CLA

RION

+ 11

11

INDUSTRY INSIDER10 Most Common Agribusiness

Insurance ClaimsBy JAYLEEN R HEFT

Farmsofallsizeshaveuniquepropertyampcasualty insuranceneeds On a daily basis agribusiness professionals work with small and large equipment a variety of animals encounter weather challenges and use a wide variety of structures such as barns living quarters silos stables and garages

Farmers and ranchers benefit from commercial property insurance liability protection commercial auto insurance and often have the need for specialty coverage for the processing and distribution of agricultural products The people that produce our food encounter workersrsquo compensation claims and benefit from risk management and safety training

Encourage Safety Precautions

Nationwide one of the main farm insurance providers in the United States recently reported that over the last three years the top 10 types of agribusiness claims have accounted for more than 50000 claims

ldquoBy sharing our top claims data we hope to help agribusiness owners recognize areas of their operation that may needincreased safety precautionsrdquo said Carol Alvarez vicepresident of claims for Nationwide ldquoThese national trends can help business owners pinpoint areas where they can take extra measure to keep their employees products and equipment saferdquo

VehicleAccidentClaimsKeeponComing

Motor vehicle accidents were the mo -st common commercial agribusiness claim Nationwide received in 2017 Over the past three years motor vehicles accidents have accounted for more than 2000 total commercial agribusiness claims Nationwidersquos data for these accidents show the following trends in frequency and severity

Most Frequent Motor VehicleAccidents

1 Rear end

accidents2 Backing into vehicles3 Accidental strike of stationary object

MotorVehicleAccidentCausingMostSignificantDamage1 Overturned vehicles2 Head on collisions3 Intersection accidents

RiskManagementTipstoReduceVehicleAccidents

Nationwide recommends the following risk management tips to help agribusiness professionals reduce motor vehicle accidents and keep their employees safe

bull Embrace safety technology by equipping vehicles withcollision mitigation and telematics monitoring systemsbull Developstandardhiringcriteriafordriverscomprisedofnew driver orientations and documented trainingbull Developldquosafefollowingdistancerdquoandldquodistracteddrivingrdquopolicies that include comprehensive training and procedure enforcementbull Beawareofadvancedsafetybenefitsinnewertruckssuchas electronic stability control systems to prevent overturnbull Provideadditionaldocumented training forcommercialtruck drivers with tanker endorsements and those carrying high center of gravity loads

This article originally appeared on May 21 2018 at PropertyCasaulty360com Reprinted with sincere thanks

CLA

RION

+ 12

12

INSURANCE MATTERSTop Four Wedding

Insurance Claims of 2017By DENNY JACOB

Everyone who has ever been involved with planning a wedding will tell you how stressful it is From the guests and food to the seating arrangement and music no detail can be overlooked

Unfortunately everything canrsquot be accounted for and some unexpected inconveniences may pop up and disrupt all the wedding plans Whether itrsquos inclement weather or contractual dispute with a hired party consider covering your wedding with some insurance to mitigate all possible risks

More than 40 of 2017 wedding insurance claims stemmed from the need to cancel or postpone the big day according to data from Aon Affinityrsquos WedSafe WedSafe offers two insurance options wedding liability insurance and wedding postponementcancellation insurance

ldquoCancelling or postponing a wedding is absolutely the last thing on your mind when yoursquore in the planning process but our numbers show itrsquos very much a reality that couples must facerdquo said Steve Lauro vice president of Aon Affinity in a statement

ldquoBrides and grooms have to plan for the unexpected to protect their investmentrdquo

With this in mind here is a ranking of the top four wedding insurance claims of 2017

Property Damage (21) Property damage claims included damage to the venuemdashfrom broken antique mirrors to gouged marble tablesmdashto damage to guestsrsquo property which in one case included a

tree falling on a car in the venue parking lot

Slip and Fall Injury (18) Hip injuries a broken foot sprained wrists happy couples wedding parties and guests experienced their share of injuries at venues throughout the yearmdashresulting in trips to the ER and some extensive surgeries

Vendor Issues (15) DJs move out of state florists go bankrupt and videographers donrsquot always deliver the final product All of these scenarios and more created wedding vendor issues for couples in 2017

TheftLossDamage (4) Finally it seems everyone loves a weddingmdasheven thieves Jewelry and cash topped the list of items most often snagged by sticky fingered party-crashers

A version of this article originally appeared on May 11 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

RION

+ 13

13

LEWIS ON LEADERSHIPLeading in A Crisis

Some days are truly the definition of lsquocrisisrsquo Imagine you were the team leader at United Airlines h e a d q u a r t e r s when a video went viral showing a p a s s e n g e r being dragged off an airplane What would you have done Which team members would you call and which of the dozens ofs p o n t a n e o u s fires would

you opt to fight first Would you put out a press release (or tweet) or send a team member to the scene Would your focus fall on controlling the situation or leading the company through it

In surveys managers rank ldquoreputation risksrdquo among their top concerns in large part because bad news travels so much faster than it once did

Particularly in this age of Twitter itrsquos more important than ever for leaders to quickly and efficiently respond in a crisis whether itrsquos a full-blown disaster or simply an angry customerrsquos social media post or review thatrsquos starting to gain traction Here are some ideas for when the next big crisis hits your team

Figure Out Whatrsquos Going On You canrsquot impose order on a chaotic situation if you donrsquot know what the actual problem is

Act Quickly But Not Hurriedly Itrsquos vital to provide direction and respond to a crisis in a timely fashion But acting hurriedly makes people nervous You can act deliberately as well as promptly As basketball coach John Wooden advised ldquoBe quick but donrsquot hurryrdquo

Manage Expectations People want quick answers when trouble strikes but rarely is this kind of quick resolution possible A leader must speak to the magnitude of the

crisis You donrsquot want to scare people but donrsquot be afraid to address the scope and size of the situation WinstonChurchill was a master at not only summing up challenges but offering a response to them As he said when he took office in 1940 ldquoYou ask what is our aim I can answer in one word It is victory victory at all costs victory in spite of all terror victory however long and hard the road may be for without victory there is no survivalrdquo

Display Control Leaders assume control You may not be able to control the situation but you can control the response A leader puts him- or herself into the action and brings to bear the people and resources Think of a firefighterbattlingaragingblazethathemaynotbeabletocontrol but who knows that he can control the way it gets extinguished

Stay Loose A leader canrsquot afford to lose composure but a leader must also be able to adapt rapidly A crisis can change quickly your first response may be different from your final response A leader canrsquot be tied to a single strategy In a crisis he or she must be able to absorb new information and often make decisions on the spur of the moment

A leaderrsquos prime role is to set direction If he or she is engaged with too many front-line responsibilities who is left to handle the vision thing Leaders have another role during a crisis and that is to provide perspective Effective leaders can often do more by standing back from the action

The measure of a leader is often tested in a crisis Those leaders who can engage but maintain their sense of perspective are ones who will help a team survive and thrive

By ROBIN LEWIS

CLA

RION

+ 14

14

Latin American Associationof Insurance Agencies

of Broward County

A G E N T S H E L P I N G A G E N T S

Mission StatementThe Latin American Association of Insurance Agencies 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

Fund-raising EventsBowl-A-Thon

Golf Tournamentand other events

LAAIA of Broward CountyPO Box 17093

Plantation FL 33318

WWWBLAAIACOM

W W W B L A A I A C O M

BLAAIA raised over $30000 last year for

Lifenet4families

Why the LAAIAThe Latin American Association of Insurance Agencies was founded in Miami in 1969 to unite and serve as a voice for independent insurance agents Today it is a strong network composed of members of various backgrounds and different roles in the industry including agents insurance firms and other companies

As the Association continues to grow the Broward chapter was born on September 2010 to serve the growing agency market in Florida

The LAAIA strives for an Insurance environment that is healthy for agents and fair for consumers by working on the following areas

LEGISLATIVE

EDUCATION

COMMUNICATION

COMMUNIT Y

SUPPORT NETWORKING

Member BenefitsLargest Annual Convention in South Florida

includes an array of educational programs trade fair and social events

Monthly Network Events Including dinners as part of your annual membership fees

Legislative advocacy for issues that affect you and your business

Access to more than 200 members representing Insurance Companies as well as insurance agents and peers

Partnership Programs

Education Continuing education courses approved by the Department of Insurance by certified instructors

Gain visibility and exposure through various BLAAIA committees

Monthly newsletter keeping you informed

Reduced advertising costs in several industry periodicals

Community projects through charitable campaigns

Reduced member rates on events throughout the year

Join Our Team

Agents like you make thisassociation a success IWe certify that the above listed information is true and accurate and that we accept all

regulations of the constitution of the Latin American Insurance Agencies

MEMBERSHIP COST (One-time) Initiation Fee + Annual Fee

Agency (Independent AgentAgency) $5000 +$40000Legislative Fund (Optional) $5000

_______________________________________________________Credit Card Exp Date

___________________ ______________Billing Zip Code Security Code

_______________________________________________________Signature

_______________________________________________________Name amp Designations

_______________________________________________________Agency name

_______________________________________________________Principal License

_______________________________________________________Company Website

_______________________________________________________E-mail

_________________________ __________________________Phone Fax

_______________________________________________________Physical Address

_______________________________________________________

_______________________________________________________Mailing Address

_______________________________________________________

METHOD OF PAYMENTpound Check (payable to Broward LAAIA)

pound MasterCard pound VISA pound American Express

CLA

RION

+ 12

12

INSURANCE MATTERSTop Four Wedding

Insurance Claims of 2017By DENNY JACOB

Everyone who has ever been involved with planning a wedding will tell you how stressful it is From the guests and food to the seating arrangement and music no detail can be overlooked

Unfortunately everything canrsquot be accounted for and some unexpected inconveniences may pop up and disrupt all the wedding plans Whether itrsquos inclement weather or contractual dispute with a hired party consider covering your wedding with some insurance to mitigate all possible risks

More than 40 of 2017 wedding insurance claims stemmed from the need to cancel or postpone the big day according to data from Aon Affinityrsquos WedSafe WedSafe offers two insurance options wedding liability insurance and wedding postponementcancellation insurance

ldquoCancelling or postponing a wedding is absolutely the last thing on your mind when yoursquore in the planning process but our numbers show itrsquos very much a reality that couples must facerdquo said Steve Lauro vice president of Aon Affinity in a statement

ldquoBrides and grooms have to plan for the unexpected to protect their investmentrdquo

With this in mind here is a ranking of the top four wedding insurance claims of 2017

Property Damage (21) Property damage claims included damage to the venuemdashfrom broken antique mirrors to gouged marble tablesmdashto damage to guestsrsquo property which in one case included a

tree falling on a car in the venue parking lot

Slip and Fall Injury (18) Hip injuries a broken foot sprained wrists happy couples wedding parties and guests experienced their share of injuries at venues throughout the yearmdashresulting in trips to the ER and some extensive surgeries

Vendor Issues (15) DJs move out of state florists go bankrupt and videographers donrsquot always deliver the final product All of these scenarios and more created wedding vendor issues for couples in 2017

TheftLossDamage (4) Finally it seems everyone loves a weddingmdasheven thieves Jewelry and cash topped the list of items most often snagged by sticky fingered party-crashers

A version of this article originally appeared on May 11 2018 at PropertyCasualty360com Reprinted with sincere thanks

CLA

RION

+ 13

13

LEWIS ON LEADERSHIPLeading in A Crisis

Some days are truly the definition of lsquocrisisrsquo Imagine you were the team leader at United Airlines h e a d q u a r t e r s when a video went viral showing a p a s s e n g e r being dragged off an airplane What would you have done Which team members would you call and which of the dozens ofs p o n t a n e o u s fires would

you opt to fight first Would you put out a press release (or tweet) or send a team member to the scene Would your focus fall on controlling the situation or leading the company through it

In surveys managers rank ldquoreputation risksrdquo among their top concerns in large part because bad news travels so much faster than it once did

Particularly in this age of Twitter itrsquos more important than ever for leaders to quickly and efficiently respond in a crisis whether itrsquos a full-blown disaster or simply an angry customerrsquos social media post or review thatrsquos starting to gain traction Here are some ideas for when the next big crisis hits your team

Figure Out Whatrsquos Going On You canrsquot impose order on a chaotic situation if you donrsquot know what the actual problem is

Act Quickly But Not Hurriedly Itrsquos vital to provide direction and respond to a crisis in a timely fashion But acting hurriedly makes people nervous You can act deliberately as well as promptly As basketball coach John Wooden advised ldquoBe quick but donrsquot hurryrdquo

Manage Expectations People want quick answers when trouble strikes but rarely is this kind of quick resolution possible A leader must speak to the magnitude of the

crisis You donrsquot want to scare people but donrsquot be afraid to address the scope and size of the situation WinstonChurchill was a master at not only summing up challenges but offering a response to them As he said when he took office in 1940 ldquoYou ask what is our aim I can answer in one word It is victory victory at all costs victory in spite of all terror victory however long and hard the road may be for without victory there is no survivalrdquo

Display Control Leaders assume control You may not be able to control the situation but you can control the response A leader puts him- or herself into the action and brings to bear the people and resources Think of a firefighterbattlingaragingblazethathemaynotbeabletocontrol but who knows that he can control the way it gets extinguished

Stay Loose A leader canrsquot afford to lose composure but a leader must also be able to adapt rapidly A crisis can change quickly your first response may be different from your final response A leader canrsquot be tied to a single strategy In a crisis he or she must be able to absorb new information and often make decisions on the spur of the moment

A leaderrsquos prime role is to set direction If he or she is engaged with too many front-line responsibilities who is left to handle the vision thing Leaders have another role during a crisis and that is to provide perspective Effective leaders can often do more by standing back from the action

The measure of a leader is often tested in a crisis Those leaders who can engage but maintain their sense of perspective are ones who will help a team survive and thrive

By ROBIN LEWIS

CLA

RION

+ 14

14

Latin American Associationof Insurance Agencies

of Broward County

A G E N T S H E L P I N G A G E N T S

Mission StatementThe Latin American Association of Insurance Agencies 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

Fund-raising EventsBowl-A-Thon

Golf Tournamentand other events

LAAIA of Broward CountyPO Box 17093

Plantation FL 33318

WWWBLAAIACOM

W W W B L A A I A C O M

BLAAIA raised over $30000 last year for

Lifenet4families

Why the LAAIAThe Latin American Association of Insurance Agencies was founded in Miami in 1969 to unite and serve as a voice for independent insurance agents Today it is a strong network composed of members of various backgrounds and different roles in the industry including agents insurance firms and other companies

As the Association continues to grow the Broward chapter was born on September 2010 to serve the growing agency market in Florida

The LAAIA strives for an Insurance environment that is healthy for agents and fair for consumers by working on the following areas

LEGISLATIVE

EDUCATION

COMMUNICATION

COMMUNIT Y

SUPPORT NETWORKING

Member BenefitsLargest Annual Convention in South Florida

includes an array of educational programs trade fair and social events

Monthly Network Events Including dinners as part of your annual membership fees

Legislative advocacy for issues that affect you and your business

Access to more than 200 members representing Insurance Companies as well as insurance agents and peers

Partnership Programs

Education Continuing education courses approved by the Department of Insurance by certified instructors

Gain visibility and exposure through various BLAAIA committees

Monthly newsletter keeping you informed

Reduced advertising costs in several industry periodicals

Community projects through charitable campaigns

Reduced member rates on events throughout the year

Join Our Team

Agents like you make thisassociation a success IWe certify that the above listed information is true and accurate and that we accept all

regulations of the constitution of the Latin American Insurance Agencies

MEMBERSHIP COST (One-time) Initiation Fee + Annual Fee

Agency (Independent AgentAgency) $5000 +$40000Legislative Fund (Optional) $5000

_______________________________________________________Credit Card Exp Date

___________________ ______________Billing Zip Code Security Code

_______________________________________________________Signature

_______________________________________________________Name amp Designations

_______________________________________________________Agency name

_______________________________________________________Principal License

_______________________________________________________Company Website

_______________________________________________________E-mail

_________________________ __________________________Phone Fax

_______________________________________________________Physical Address

_______________________________________________________

_______________________________________________________Mailing Address

_______________________________________________________

METHOD OF PAYMENTpound Check (payable to Broward LAAIA)

pound MasterCard pound VISA pound American Express

CLA

RION

+ 13

13

LEWIS ON LEADERSHIPLeading in A Crisis

Some days are truly the definition of lsquocrisisrsquo Imagine you were the team leader at United Airlines h e a d q u a r t e r s when a video went viral showing a p a s s e n g e r being dragged off an airplane What would you have done Which team members would you call and which of the dozens ofs p o n t a n e o u s fires would

you opt to fight first Would you put out a press release (or tweet) or send a team member to the scene Would your focus fall on controlling the situation or leading the company through it

In surveys managers rank ldquoreputation risksrdquo among their top concerns in large part because bad news travels so much faster than it once did

Particularly in this age of Twitter itrsquos more important than ever for leaders to quickly and efficiently respond in a crisis whether itrsquos a full-blown disaster or simply an angry customerrsquos social media post or review thatrsquos starting to gain traction Here are some ideas for when the next big crisis hits your team

Figure Out Whatrsquos Going On You canrsquot impose order on a chaotic situation if you donrsquot know what the actual problem is

Act Quickly But Not Hurriedly Itrsquos vital to provide direction and respond to a crisis in a timely fashion But acting hurriedly makes people nervous You can act deliberately as well as promptly As basketball coach John Wooden advised ldquoBe quick but donrsquot hurryrdquo

Manage Expectations People want quick answers when trouble strikes but rarely is this kind of quick resolution possible A leader must speak to the magnitude of the

crisis You donrsquot want to scare people but donrsquot be afraid to address the scope and size of the situation WinstonChurchill was a master at not only summing up challenges but offering a response to them As he said when he took office in 1940 ldquoYou ask what is our aim I can answer in one word It is victory victory at all costs victory in spite of all terror victory however long and hard the road may be for without victory there is no survivalrdquo

Display Control Leaders assume control You may not be able to control the situation but you can control the response A leader puts him- or herself into the action and brings to bear the people and resources Think of a firefighterbattlingaragingblazethathemaynotbeabletocontrol but who knows that he can control the way it gets extinguished

Stay Loose A leader canrsquot afford to lose composure but a leader must also be able to adapt rapidly A crisis can change quickly your first response may be different from your final response A leader canrsquot be tied to a single strategy In a crisis he or she must be able to absorb new information and often make decisions on the spur of the moment

A leaderrsquos prime role is to set direction If he or she is engaged with too many front-line responsibilities who is left to handle the vision thing Leaders have another role during a crisis and that is to provide perspective Effective leaders can often do more by standing back from the action

The measure of a leader is often tested in a crisis Those leaders who can engage but maintain their sense of perspective are ones who will help a team survive and thrive

By ROBIN LEWIS

CLA

RION

+ 14

14

Latin American Associationof Insurance Agencies

of Broward County

A G E N T S H E L P I N G A G E N T S

Mission StatementThe Latin American Association of Insurance Agencies 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

Fund-raising EventsBowl-A-Thon

Golf Tournamentand other events

LAAIA of Broward CountyPO Box 17093

Plantation FL 33318

WWWBLAAIACOM

W W W B L A A I A C O M

BLAAIA raised over $30000 last year for

Lifenet4families

Why the LAAIAThe Latin American Association of Insurance Agencies was founded in Miami in 1969 to unite and serve as a voice for independent insurance agents Today it is a strong network composed of members of various backgrounds and different roles in the industry including agents insurance firms and other companies

As the Association continues to grow the Broward chapter was born on September 2010 to serve the growing agency market in Florida

The LAAIA strives for an Insurance environment that is healthy for agents and fair for consumers by working on the following areas

LEGISLATIVE

EDUCATION

COMMUNICATION

COMMUNIT Y

SUPPORT NETWORKING

Member BenefitsLargest Annual Convention in South Florida

includes an array of educational programs trade fair and social events

Monthly Network Events Including dinners as part of your annual membership fees

Legislative advocacy for issues that affect you and your business

Access to more than 200 members representing Insurance Companies as well as insurance agents and peers

Partnership Programs

Education Continuing education courses approved by the Department of Insurance by certified instructors

Gain visibility and exposure through various BLAAIA committees

Monthly newsletter keeping you informed

Reduced advertising costs in several industry periodicals

Community projects through charitable campaigns

Reduced member rates on events throughout the year

Join Our Team

Agents like you make thisassociation a success IWe certify that the above listed information is true and accurate and that we accept all

regulations of the constitution of the Latin American Insurance Agencies

MEMBERSHIP COST (One-time) Initiation Fee + Annual Fee

Agency (Independent AgentAgency) $5000 +$40000Legislative Fund (Optional) $5000

_______________________________________________________Credit Card Exp Date

___________________ ______________Billing Zip Code Security Code

_______________________________________________________Signature

_______________________________________________________Name amp Designations

_______________________________________________________Agency name

_______________________________________________________Principal License

_______________________________________________________Company Website

_______________________________________________________E-mail

_________________________ __________________________Phone Fax

_______________________________________________________Physical Address

_______________________________________________________

_______________________________________________________Mailing Address

_______________________________________________________

METHOD OF PAYMENTpound Check (payable to Broward LAAIA)

pound MasterCard pound VISA pound American Express

CLA

RION

+ 14

14

Latin American Associationof Insurance Agencies

of Broward County

A G E N T S H E L P I N G A G E N T S

Mission StatementThe Latin American Association of Insurance Agencies 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

Fund-raising EventsBowl-A-Thon

Golf Tournamentand other events

LAAIA of Broward CountyPO Box 17093

Plantation FL 33318

WWWBLAAIACOM

W W W B L A A I A C O M

BLAAIA raised over $30000 last year for

Lifenet4families

Why the LAAIAThe Latin American Association of Insurance Agencies was founded in Miami in 1969 to unite and serve as a voice for independent insurance agents Today it is a strong network composed of members of various backgrounds and different roles in the industry including agents insurance firms and other companies

As the Association continues to grow the Broward chapter was born on September 2010 to serve the growing agency market in Florida

The LAAIA strives for an Insurance environment that is healthy for agents and fair for consumers by working on the following areas

LEGISLATIVE

EDUCATION

COMMUNICATION

COMMUNIT Y

SUPPORT NETWORKING

Member BenefitsLargest Annual Convention in South Florida

includes an array of educational programs trade fair and social events

Monthly Network Events Including dinners as part of your annual membership fees

Legislative advocacy for issues that affect you and your business

Access to more than 200 members representing Insurance Companies as well as insurance agents and peers

Partnership Programs

Education Continuing education courses approved by the Department of Insurance by certified instructors

Gain visibility and exposure through various BLAAIA committees

Monthly newsletter keeping you informed

Reduced advertising costs in several industry periodicals

Community projects through charitable campaigns

Reduced member rates on events throughout the year

Join Our Team

Agents like you make thisassociation a success IWe certify that the above listed information is true and accurate and that we accept all

regulations of the constitution of the Latin American Insurance Agencies

MEMBERSHIP COST (One-time) Initiation Fee + Annual Fee

Agency (Independent AgentAgency) $5000 +$40000Legislative Fund (Optional) $5000

_______________________________________________________Credit Card Exp Date

___________________ ______________Billing Zip Code Security Code

_______________________________________________________Signature

_______________________________________________________Name amp Designations

_______________________________________________________Agency name

_______________________________________________________Principal License

_______________________________________________________Company Website

_______________________________________________________E-mail

_________________________ __________________________Phone Fax

_______________________________________________________Physical Address

_______________________________________________________

_______________________________________________________Mailing Address

_______________________________________________________

METHOD OF PAYMENTpound Check (payable to Broward LAAIA)

pound MasterCard pound VISA pound American Express