Sep 19
Inland Marine - Wrap-Ups, OCIPs, and CCIPs: Issues and Solutions


Steve Coombs

October 17, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49​

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Insurance agents and brokers who provide services to construction managers, general contractors, and subcontractors - this is a MUST ATTEND EVENT for you.

You will come away from this workshop with:

  • An understanding of the use of CIPS and current trends

  • The ability to identify issues inherent with CIPs
    • Contract documents
    • CIP manuals
    • CIP policies

  • Useful tips and solutions you can use to better advise your clients and structure appropriate insurance programs

All 90-minute Big “I" Virtual University online workshops include access to the live session, a link to the post-event 24/7 on-demand recording, and a valuable and value-added transcript/reference tool.

CE will NOT be offered for this webinar.

Sep 19
​October Lightning Learning

​Trick or Treaters, Blo​gging & Ordinance or Law​

All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's October Lightning Learning series features three 20-minute sessions dedicated to trick or treaters, blogging, and Ordinance or Law. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

October 10 – The Trouble with Trick or Treaters – What to Tell Your Clients

Three weeks from the date of this session, those little candy beggars will coming knocking on your and your insured's door. From a liability standpoint, would it be better to turn the light off and go someplace else to avoid any liability issues?

No, I don't want to take away your fun. Stay home and pass out all the candy you don't eat yourself.

But, I do know there are those among us who like to prank before being pranked – what about their liability?

This is the focus of this session – legal liability for injury on your premises suffered by one of the little darlings disturbing your evening. In this session we:

  • Review legal liability; and
  • Discuss whether your HO policy provides the necessary protection.

October 24 – Do Your HO Clients Blog (Or Talk Bad About ANYONE)? You Better Know

Social media has made it easier than ever for everyday citizens to ruin the life of a neighbor or a local business. Blogging, facebooking, etc. allows your insureds to spread rumors, tell lies, criticize or just blow off steam about those around them.

The ability to denigrate someone to a large audience has increased the personal injury exposure for your homeowner clients. This is easily remedied by an endorsement, but are carriers going to begin asking new questions? I don't know. But it's worth a thought.

In this session we review the personal injury exposure, the endorsement and some ideas you can pass along to your clients to help them avoid being sued.

October 31 – Ordinance or Law Problems for Homeowners

Any house not in compliance with current building codes subjects the owner to a potentially major coverage gap following a "major" loss because ISO's homeowners' policy provides only a limit amount of coverage to pay the additional costs of rebuilding a home in compliance with current building codes.

In this session we:

  • Define what constitutes a "major" loss from a building code perspective;
  • Highlight the limited amount of coverage provided by the unendorsed HO policy; and
  • Detail the HO policy Ordinance or Law endorsement.
CE is NOT offered for these webinars.

Sep 19
Important Survey Released This Week! Take the Independent Agent Satisfaction Survey


​J.D. Power and the Independent Insurance Agents and Brokers of America (the Big “I") are excited to announce this week's release of the second annual Independent Agent Satisfaction Survey.

The study has emerged as the go-to source for top carriers seeking to improve their performance with you, the Agent.  The results are shared with top executives across the industry, and if last year's reception is any indication, your feedback will help influence the agenda of many leading carriers and can be a driving force for change in the industry.

The main objective of the survey is to capture your experiences, satisfaction level and potential areas for improvement across your carrier relationship. The study will address numerous facets of the insurance process – from the quota/underwriting process and claims processes to policy servicing and insurer risk appetite, as well as commission management, product/service offerings, and communication.

The results will address the following areas:

  • How does each service event you have with an insurer impact the overall perception of that insurer?
  • Which critical service standards are most likely to drive high satisfaction?
  • What should insurance carriers do to better meet your needs – and, in turn, the needs of your customers?

We aim to have truly robust results. Simply put, the more responses we receive, the stronger and more encompassing the information will be. Thus, better decision-making will be possible.

What's more, participants will receive a complimentary summary report of the study results and a $50 Amazon gift code for taking the time to complete. Any licensed agent who works with insurance carriers in any member agency are eligible to participate!

Click here to login and take the survey.

To be sure you're able to participate, or to ask any questions, please contact Tom Super from J.D. Power at​

Sep 14
Planning for Success in the Age of Longevity


The Future is Full of Centenarians. Americans are living longer, and an unprecedented percentage of children born today can expect to celebrate their hundredth birthday-ten percent of girls and five percent of boys. Average life expectancy is also at an all-time high, and the percentage of Americans age 65 and older is slated to "rise to 20% by 2050," and is expected "to continue rising steadily thereafter."

America, and many developed nations have begun asking themselves-how do we prepare for longevity? From retirement age, to social security benefits, to social expectations for what and how the older population should participate in professional and public life, much stands to be rethought as increasingly more people live longer. And not just longer as in more years, but longer middle years, in which they have the desire and ability to participate robustly as professionals and citizens.

As Lynda Gratton, co-author of "The 100-Year Life: Living and Working in an Age of Longevity" explains it, we need a new "story about how people can begin to live 'multistage lives' in which they are able to take career breaks and work longer and across numerous fields. This 'narrative' will help signal the challenges ahead and encourage the conversation on what life in aging societies will look like."

The whole premise of WAHVE is exactly this-addressing the statistical and economic reality that there is a large, growing population of motivated and capable veteran professionals, late-middle-lifers who want to keep working and earning, contributing robustly to our society and economy-pretirees, as we call them. Just one facet of embracing this multistage narrative as Gratton terms it, is the revision corporate America is beginning to undertake, overhauling and updating its model of the method by and duration for which people work. In doing, our society and economy stands to gain as we develop and promote diverse, successful models for retaining veteran professionals' expertise and abilities, tapping into a rich resource at our hands, and celebrating the reality that as Americans live longer, they're doing so as successful professionals, fulfilled citizens-people who live longer, better and bring that benefit to our society as a whole.

Visit our WAHVE page here.

Sep 14
Connecticut Plan Temporary Insurance ID Cards Will Be Generated at the Point of Sale

​On September 18, 2018 the Connecticut Automobile Insurance Assigned Risk Plan will introduce two options that allow certified producers to generate Connecticut Plan temporary insurance identification (ID) cards at the point of sale through the Plan's Electronic Application Submission Interface (EASi). This new functionality is provided at no cost to producers. 

For Private Passenger and Commercial Applications Submitted through EASi, the automation of the Connecticut Plan's temporary ID card is available to certified producers. The automation of the Connecticut Plan's temporary ID card is available for both Plan private passenger and Plan commercial applications submitted through EASi. Following the electronic submission of the private passenger or commercial application, a Plan-certified producer will have the option of generating and printing a Plan temporary ID card. The application data entered into EASi will be inserted automatically onto the card, which can then be printed and used immediately by the Plan applicant. 

For Commercial Applications NOT Submitted through EASi or Endorsements, certified producers will have the option to generate a Plan temporary ID card manually by completing an Adobe “fillable PDF" form. To create a Plan temporary ID card in this manner, a certified producer will be required to access the EASi web page and click on the Connecticut Plan's Temporary ID Card link on the left-hand side of the page. The producer will then enter pertinent application data manually onto the ID card template. (This is similar to how certified producers currently complete Connecticut Plan commercial applications in EASi.) Once again, the card can then be printed and used immediately by the Plan applicant. Do not use this option if the application is submitted through EASi. This option is only available to certified producers. 

Questions regarding the new temporary ID card options can be directed to Connecticut Plan staff by email ( or by telephone (401-946-2800) Monday through Friday, from 8:15 a.m. to 4:30 p.m.​

Sep 14
Insurance Commissioner Issues Decisions for 2019 Health Insurance Rates

Average increases lower than previous years

Decisions & Rate Chart

Insurance Commissioner Katharine L. Wade today announced the Department has made final decisions on the health insurance rate filings for the 2019 coverage year.

The Department ruled that the average increase for individual plans is 2.72 percent, down from average request of about 12 percent. The average increase for small group plans is 3.14 percent, down from the requested average of just over 10 percent.

“Medical trend - the cost of medical services and the demand for those services - continues to be the main cost driver and we need to work with all stakeholders to reduce the cost of health care, which drives increases in health insurance premiums," said Commissioner Wade. “For the first time there will be more choice of innovative networks and plan cost sharing options for consumers on the exchange. The Department has worked closely with the Access Health CT Board and the exchange carriers to ensure a variety of meaningful options. Providing greater choice to consumers is important so they can choose a plan that best meet their individual and family needs."

The Commissioner said that in addition to medical trend of approximately 8 percent, carriers also accounted for the cost of new state mandates and adding pregnancy as a qualifying event to enroll in health insurance in the individual market. Other factors contributing to the final rate decisions were:

The Department determined that there would be limited impact from lack of enforcement of the Affordable Care Act's individual mandate. While the federal government officially removed the individual mandate penalty for 2019, the Department and carriers accounted for this in the 2018 rates.
 The Department determined there would be marginal impact from the federal government's new regulations for short-term, limited-duration health plans and association health plans. Carriers filed their rates in July while still awaiting clarification from Washington, which came later in the summer. After a thorough legal review of state laws and regulations and the federal regulations, the Department provided guidance last month in two Bulletins, HC-121 and HC-123.​

Sep 14
Important Notice to Property/Casualty Insurers and Rating and Advisory Organizations

Public Act 18-105 entitled “An Act Concerning Law and Ordinance Coverage" is effective July 1, 2019 for policies issued or renewed after that day.

The Department would like to remind insurers that issue a policy or contract governed by Conn. Gen. Stat. § 38a-308 (i.e. other than a "Standard Fire Insurance Policy") that they must offer Ordinance or Law coverage in an amount not greater than the amount specified in the policy per the enacted legislation.

Based on the conditional renewal requirements set forth in Conn. Gen. Stat. § 38a-323, companies reducing the amount of coverage for Ordinance or Law from that which was offered in the prior policy period would need to send a conditional renewal notice to the insured explaining the reduction in coverage.

Carriers are expected to document that Ordinance or Law coverage was offered and a conditional renewal notice was provided to the insured if the amount of such coverage is reduced.

Questions concerning this Notice should be directed to the Department's Property/Casualty Division at:​

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