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<title>January 11 | Insurance Advocate</title>
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<title>Three Little Words</title>
<link>https://www.insurance-advocate.com/2021/02/08/three-little-words/</link>
<dc:creator><![CDATA[Steve Acunto]]></dc:creator>
<pubDate>Mon, 08 Feb 2021 09:32:36 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[Foreword]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12644</guid>
<description><![CDATA[<p>Objective Technical Expertise As so many in business today strive for social relevance and for a place in the sun that shines through social media, we must applaud The American Academy of Actuaries, the people who are the brunt of jokes about personality and senses of humor – not true by the way. The AAA […]</p>
The post <a href="https://www.insurance-advocate.com/2021/02/08/three-little-words/">Three Little Words</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1"><strong><i>Objective</i></strong></p>
<p class="p1"><strong><i>Technical</i></strong></p>
<p class="p1"><strong><i>Expertise</i></strong></p>
<p>As so many in business today strive for social relevance and for a place in the sun that shines through social media, we must applaud The American Academy of Actuaries, the people who are the brunt of jokes about personality and senses of humor – not true by the way. The AAA has just reached out to all U.S. House and Senate members of the 117th Congress, key Cabinet and agency stakeholders in the new Biden administration, and all of the nation’s state insurance regulators to offer their expertise in analysis, probability and the other aspects of their work for public policy decision-making. In case you have not noticed, pension debt, outsized public spending, speculation using market predictors and the like are the stuff of politics – when they might well be the subject, at first, of sane analysis. Academy President Tom Campbell put it this way: “The Academy offers its nonpartisan, objective actuarial expertise to public policymakers to aid in the development of sound public policy affecting federal and state public programs and regulation of insurance and retirement security systems.” The Academy provides actuarial expertise on putblic programs such as Social Security, Medicare, Medicaid, and the National Flood Insurance Program; health coverage and long-term care insurance regulation and reform; cyber risk and business interruption coverage; climate risk; life insurance; financial reporting and capital risk; and many other public policy issues. If one adds up the impact financially and in human terms, this is far reaching. Not sure the extent to which the AAA will get listeners since not many politicians really seem to want the truth about the foibles of past decisions and rules or the disaster that inaction augurs. The AAA has ventured into non traditional areas as well to serve the public such as these: The Health Practice Council (HPC) provides objective technical expertise on major health insurance and health care affordability issues, including Medicare. The Pension Practice Council (PPC) provides objective technical expertise to policymakers and regulators on major retirement policy issues, including Social Security, defined benefit pension plans, and retiree health; The Casualty Practice Council (CPC) provides <b>objective technical expertise</b> to policymakers and regulators on major property/casualty issues, including medical professional liability and flood insurance.And there are others, as well. The key lies in the three bold faced words. Meanwhile, the AAA is making insurance business “look good” in its quite, polished manner.</p>
<p class="p2">The Academy is a 19,500-member professional association that has served the industry and the public for more than 50 years, setting qualifications, practice, and professionalism standards for actuaries in the United States, among the world’s best.</p>
<p class="p2">Speaking of those three little words, we wonder who can apply them for real to these newly famous names and their vaccine products.</p>
<p class="p2"><i>Pfizer</i></p>
<p class="p2"><i>Moderna</i></p>
<p class="p2"><i>J&J</i></p>
<p class="p2"><i>Astra Zeneca</i></p>
<p class="p2">Roll up your sleeves and get to work on the three words applied to these vaccine choices. Then roll them up again for the shot that may be the game changer for you. I have had COVID and it is no picnic. May I wish you good science. SA</p>
<p class="p2">
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<title>NAPIA Elects New President</title>
<link>https://www.insurance-advocate.com/2021/02/08/napia-elects-new-president/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 08 Feb 2021 07:29:12 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[In The Associations]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12639</guid>
<description><![CDATA[<p>Jodie A. Papa, the Manager of National Fire Adjustment Co., Inc. headquarters office located in Buffalo, New York has been elected as National President o the National Association of Public Insurance Adjusters (NAPIA) which was established in 1951 to promote a higher standard for policyholder advocacy. Ms. Papa worked her way up the ladder with […]</p>
The post <a href="https://www.insurance-advocate.com/2021/02/08/napia-elects-new-president/">NAPIA Elects New President</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">Jodie A. Papa, the Manager of National Fire Adjustment Co., Inc. headquarters office located in Buffalo, New York has been elected as National President o the National Association of Public Insurance Adjusters (NAPIA) which was established in 1951 to promote a higher standard for policyholder advocacy.</p>
<p class="p1">Ms. Papa worked her way up the ladder with the National Association of Public Insurance Adjusters having served the NAPIA as Second Vice President, Third Vice President, Fourth Vice President, Treasurer and Secretary. Ms. Papa follows in her father’s footsteps as her father Ronald J. Papa also served as National President from 1992 to 1993.</p>
<p class="p1">Due to the Covid pandemic, Jodie Papa was elected via a national Zoom conference with NAPIA with a formal installation to take place sometime in the future. Jodie A. Papa served as an accountant for a Manhattan investment banking firm before joining NFA as a Licensed Public Adjuster and also served as a Field Contents Estimator for the National Fire Adjustment Co., Inc. She earned her degree in Accounting from</p>
<p class="p1">Niagara University.</p>
<p class="p1">The founding members of the NAPIA envisioned an association that would provide the appropriate resources for policyholder advocates in pursuit of successful claims resolution.</p>
<p class="p1">The National Fire Adjustment Co., Inc has expanded over the years, covering losses wherever disaster strikes. In addition to its headquarters office in Buffalo managed by Ms. Papa, NFA has offices across New York State in Rochester, Syracuse, Elmira.</p>
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<title>January 11 Cover</title>
<link>https://www.insurance-advocate.com/2021/01/11/january-11-cover/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 17:00:37 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[Covers]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12607</guid>
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<title>The Post Covid Consumer: Buyers Unmask New Plans To Shave Costs And Shred Cares</title>
<link>https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 15:37:16 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[cover]]></category>
<category><![CDATA[Cover Story]]></category>
<category><![CDATA[Covid-19]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12577</guid>
<description><![CDATA[<p>37,000 high income insurance clients of 150 high income agents Want “Fresh” when the Refresh Comes: Results of a survey by the Private Risk Management Association</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/">The Post Covid Consumer: Buyers Unmask New Plans To Shave Costs And Shred Cares</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<h2 class="p1"><span class="s1">37,000 high income insurance clients of 150 high income agents Want “Fresh” when the Refresh Comes: Results of a survey by the Private Risk Management Association</span></h2>
<p class="p1">A December 2020 Private Risk Management Association survey documented the leading concerns of insurance consumers going into 2021. Understandably, the coronavirus, travel and family safety, weather, and the ability to retain insurance coverage top the list. More than one-hundred-fifty agents and brokers representing 37,000 clients found many feeling vulnerable about the future.</p>
<p class="p1">Some stats:</p>
<p class="p1">· 76-percent of risk managers responding to the survey said that family safety and financial concerns stemming from the pandemic are impacting their clients</p>
<p class="p1">· Nearly 54-percent cite catastrophic weather (hurricanes, floods & fires) worries keep their clients up and night</p>
<p class="p1">· 50-percent say travel and personal safety weighs on the minds of their clients</p>
<p class="p1"> · 30 percent of risk managers say that the ability to secure and keep insurance coverage is also an issue, ranking just above cybersecurity concerns.</p>
<p class="p1">This data underlies the importance of homeowners taking proactive measures now to prepare against potential losses, making their homes more flood, fire, and storm-proof.</p>
<p class="p1">Lisa Lindsay, executive director of PRMA, says risk managers can work with clients to lower their risk exposure as the survey’s results show that:clients are more actively renovating right now. Many said their clients are engaged in more high-risk activities like horseback riding and motorsports.</p>
<p class="p1"> Some want to make their homes more fire and flood-resistant, positioning themselves as a better insurance risk in a tightening market.</p>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/untitled/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/Untitled-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/Untitled-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/Untitled-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/Untitled-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/Untitled-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/Untitled.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/1-slide-1-copy-1/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/1-Slide-1-copy-1-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/1-Slide-1-copy-1-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/1-Slide-1-copy-1-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/1-Slide-1-copy-1-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/1-Slide-1-copy-1-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/1-Slide-1-copy-1.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/2-blank-copy-7/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/2-blank-copy-7-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/2-blank-copy-7-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/2-blank-copy-7-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/2-blank-copy-7-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/2-blank-copy-7-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/2-blank-copy-7.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/3-blank-copy-8/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/3-blank-copy-8-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/3-blank-copy-8-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/3-blank-copy-8-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/3-blank-copy-8-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/3-blank-copy-8-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/3-blank-copy-8.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/4-blank-copy-10/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/4-blank-copy-10-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/4-blank-copy-10-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/4-blank-copy-10-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/4-blank-copy-10-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/4-blank-copy-10-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/4-blank-copy-10.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/5-blank-copy-12/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/5-blank-copy-12-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/5-blank-copy-12-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/5-blank-copy-12-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/5-blank-copy-12-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/5-blank-copy-12-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/5-blank-copy-12.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/6-blank-copy-14/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/6-blank-copy-14-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/6-blank-copy-14-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/6-blank-copy-14-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/6-blank-copy-14-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/6-blank-copy-14-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/6-blank-copy-14.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
<a href='https://www.insurance-advocate.com/2021/01/11/the-post-covid-consumer-buyers-unmask-new-plans-to-shave-costs-and-shred-cares/7-blank-copy-16/'><img decoding="async" width="791" height="1024" src="https://www.insurance-advocate.com/wp-content/uploads/2021/01/7-blank-copy-16-791x1024.jpg" class="attachment-large size-large" alt="" srcset="https://www.insurance-advocate.com/wp-content/uploads/2021/01/7-blank-copy-16-791x1024.jpg 791w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/7-blank-copy-16-600x776.jpg 600w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/7-blank-copy-16-232x300.jpg 232w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/7-blank-copy-16-768x994.jpg 768w, https://www.insurance-advocate.com/wp-content/uploads/2021/01/7-blank-copy-16.jpg 816w" sizes="(max-width: 791px) 100vw, 791px" /></a>
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<title>Hall of Shame Unmasks Winners for 2020</title>
<link>https://www.insurance-advocate.com/2021/01/11/hall-of-shame-unmasks-winners-for-2020/</link>
<dc:creator><![CDATA[Steve Acunto]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 08:54:04 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[Foreword]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12604</guid>
<description><![CDATA[<p>$80-billion pandemic of insurance fraud Here are the headlines: Homeless New Yorkers are targeted in a $31.7 million slip-and-fall ring … A crime ring burns and floods dozens of homes. … A sober-home mogul trades sex for drugs. Meet the “winners” in the Insurance Fraud Hall of Shame, the nation’s most brazen convicted insurance scammers […]</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/hall-of-shame-unmasks-winners-for-2020/">Hall of Shame Unmasks Winners for 2020</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<h2 class="p1"><i>$80-billion pandemic of insurance fraud</i></h2>
<p>Here are the headlines:</p>
<p class="p1"><b>Homeless New Yorkers are targeted in a $31.7 million slip-and-fall ring … A crime ring burns and floods dozens of homes. … A sober-home mogul trades sex for drugs. </b></p>
<p class="p1">Meet the “winners” in the Insurance Fraud Hall of Shame, the nation’s most brazen convicted insurance scammers of 2020. They were inducted by the Coalition Against Insurance Fraud whose work we praise.</p>
<p class="p1">The “winners” cost us all tens of billions of dollars in economic loss and premium increases.</p>
<p class="p1"><b>Here’s the menu and the tab.</b></p>
<p class="p1"><b>Slip ring stumbles. </b>Bryan Duncan hired hundreds of homeless people to fake $31.7 million of painful injuries from setup falls against businesses in New York City. Many had unneeded surgery. Federal sentence: 80 months.</p>
<p class="p1"><b><i>Wait, 80 months? </i></b></p>
<p class="p1"><b><i>“Your…honor?”</i></b></p>
<p class="p1"><b><i>See next item – 78 years.</i></b></p>
<p class="p1"><b>Fired up, watered down.</b> Dozens of old houses were burned and flooded in a $1.7-million scheme by Patrick Wayne Bronnon’s ring in Texas. They also insured fake possessions. State sentence: 78 years in state prison, though Bronnon died in July 2020.</p>
<p class="p1"><b>Stolen Valor. </b>Richard Meleski of Pennsylvania claimed he was a Navy SEAL wounded in Beirut, Lebanon. Yet Meleski never served in the military. He invented the heroics to steal more than $300,000 of federal disability money. Federal sentence: pending.</p>
<p class="p1"><b>Food folly. </b>Tainted food sickened Jacqueline Masse, the New Hampshire woman said. She filed nearly $400,000 of false claims against innocent restaurants and grocery stores. Masse also stole her children’s identities for claims. State sentence: <b>18 months.</b></p>
<p class="p1"><b>Bribery boondoggle. </b>Billionaire insurance mogul Greg E. Lindberg tried to bribe North Carolina’s insurance commissioner $2 million to ease state regulation of his firms. Instead, Mike Causey and the FBI wired Lindberg’s bribery attempt. Federal sentence: 7 years.</p>
<p class="p1"><b>Sex, drugs, betrayal. </b>Christopher Bathum traded sex for drugs to addicted women at his rehab facilities in a $175-million insurance scam. The Los Angeles-area man also gave patients drugs so they’d relapse for more expensive rehab. State sentence: 52 years.</p>
<p class="p1"><b>Medicaid murder. </b>Sherry Paulo starved to death a developmentally disabled resident of her care facility. The Missouri woman falsely billed Medicaid nearly $107,000 for Carl DeBrodie’s bogus care. Federal sentence: 17 ½ years.</p>
<p class="p1"><b>Arthritis offense.</b> Dr. Jorge Zamora-Quezada lied to patients that they had debilitating arthritis. The Texas man gave them painful chemotherapy and injections in a $325-million scheme. Federal sentence: <b>pending.</b></p>
<p class="p1"><b>Skin-deep scam.</b> Dr. David Morrow billed uninsured beauty surgery as medically essential in a $50-million scam. The Beverly Hills surgeon charged tummy tucks as hernia repairs, and nose work as fixing deviated septums. Federal sentence: <b>20 years.</b></p>
<p class="p1"><b>Rapper fraud racket.</b> Would-be Chicago rapper Qaw’mane Wilson had his mother shot for life insurance and her savings to flaunt money and build up his fan base. State sentence: <b>99 years.</b></p>
<p class="p1">
<p class="p1"><b>Sentences vary as does the level of “creativity”.</b></p>
<p class="p1"><b>Glad the crooks are “on vacation”, but sad that in the first case, the judge seemed to be.</b></p>
<p class="p1"><b>Happy New Year and many new years ahead…<span class="Apple-converted-space"> </span>SA</b></p>
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<title>MSO Announces Partnership with Optima Siu</title>
<link>https://www.insurance-advocate.com/2021/01/11/mso-announces-partnership-with-optima-siu/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 07:52:45 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[In The Associations]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12601</guid>
<description><![CDATA[<p>Glen Rock, NJ/December 2020 – MSO, Inc. (The Mutual Service Office, Inc.), is pleased to announce their Vendor Partnership with Optima SIU. Established in 2002, Optima is a global company handling insurance fraud cases in the United States and Europe. In addition to fraud investigations, Optima offers a full range of fraud compliance services. Based […]</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/mso-announces-partnership-with-optima-siu/">MSO Announces Partnership with Optima Siu</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">Glen Rock, NJ/December 2020 – MSO, Inc. (The Mutual Service Office, Inc.), is pleased to announce their Vendor Partnership with Optima SIU. Established in 2002, Optima is a global company handling insurance fraud cases in the United States and Europe. In addition to fraud investigations, Optima offers a full range of fraud compliance services. Based in Carmel Hamlet, NY, Optima prides themselves on their strong customer relationships.</p>
<p class="p1">According to Optima President and Owner, Evo Riguzzi, “This is a fantastic relationship for both companies as Optima will augment MSO services as well as introducing Optima to the MSO member companies.”</p>
<p class="p1">MSO CEO, Jan Scites, adds “MSO is delighted to partner with Evo Riguzzi and his team at Optima. The suite of services they offer in the area of fraud detection and compliance training is a critical addition for the MSO member base of companies and prospects.”</p>
<p class="p1">MSO is a national property and casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.</p>
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<title>PIANY CIC and CISR Programs Online </title>
<link>https://www.insurance-advocate.com/2021/01/11/piany-cic-and-cisr-programs-online/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 06:51:51 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[In The Associations]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12598</guid>
<description><![CDATA[<p>PIANY’s Certified Insurance Counselor and Certified Insurance Service Representative designation programs continue to be available online. These continuing-education credit-approved, nationally recognized designation programs take a practical, hands-on approach to learning. These designations are recognized nationwide as important credentials—ones that benefit individuals, their agencies, and their customers. To earn the CIC or CISR designation, participants must […]</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/piany-cic-and-cisr-programs-online/">PIANY CIC and CISR Programs Online </a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">PIANY’s Certified Insurance Counselor and Certified Insurance Service Representative designation programs continue to be available online. These continuing-education credit-approved, nationally recognized designation programs take a practical, hands-on approach to learning. These designations are recognized nationwide as important credentials—ones that benefit individuals, their agencies, and their customers. To earn the CIC or CISR designation, participants must attend class and pass exams for five of the seven courses, or for five of the nine courses, respectively. Upcoming CIC classes include: Jan. 27-28: 2021 CIC Agency Management Institute^FF^UN and Feb. 10-11: 2021 CIC Commercial Multi-Line Institute. Upcoming CISR classes include: Jan. 5: 2021 CISR 1IC (Commercial Casualty I) CGL, Additional Insureds; Jan. 6: 2021 William T. Hold Seminar; Jan. 6: 2021 CISR IP: Insuring Commercial Property; and Jan. 20-21: 2021 CISR PA: Insuring Personal Auto. ^FF^UN–This course has been approved for E&O loss-prevention credit by Fireman’s Fund and Utica National. Call the PIA E&O Department for details. For more offerings, see the complete education schedule.</p>
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<title>Big ‘I’ Leaders Among Top D.C. Lobbyists</title>
<link>https://www.insurance-advocate.com/2021/01/11/big-i-leaders-among-top-d-c-lobbyists/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 05:50:49 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[In The Associations]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12595</guid>
<description><![CDATA[<p>The Hill, a prominent political newspaper, has once again named Bob Rusbuldt, Big “I” president & CEO, and Charles Symington, Big “I” senior vice president of external, industry and government affairs, among the top trade association lobbyists in Washington, D.C. this year. As in previous years, the Big “I” was the only insurance agent/broker group […]</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/big-i-leaders-among-top-d-c-lobbyists/">Big ‘I’ Leaders Among Top D.C. Lobbyists</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">The Hill, a prominent political newspaper, has once again named Bob Rusbuldt, Big “I” president & CEO, and Charles Symington, Big “I” senior vice president of external, industry and government affairs, among the top trade association lobbyists in Washington, D.C. this year.</p>
<p class="p1">As in previous years, the Big “I” was the only insurance agent/broker group to make the list.</p>
<p class="p1">In its announcement, The Hill stated the criteria for the recognition. “Not all of those honored on this list are registered lobbyists,” the newspaper reported with its list. “The list highlights the broad range of talents needed to achieve success in the influence industry. But all of the people below are key players on K Street—and the ones the nation’s biggest companies, labor unions and associations turn to when they want their voices heard in the nation’s capital.”</p>
<p class="p1">“The Big ‘I’ is proud to have our president & CEO and senior vice president of government affairs recognized, once again, by one of the premier political newspapers in the country,” says Jon Jensen, Big “I” chairman, and president & CEO of Correll Insurance Group, Spartanburg, South Carolina. “We are grateful to Bob Rusbuldt, Charles Symington and the entire government affairs team for the hard work, meaningful relationships and dedication that consistently results in our association being named among the most influential in the country.”</p>
<p class="p1">Congressional leaders regularly tap the Big “I” federal government affairs team for its political acumen for sitting on congressional steering committees, raising campaign dollars, hosting political events and strategizing to help members of Congress better serve their constituents and advance top issues. A vital component of the association’s advocacy efforts is InsurPac, the Big “I” political action committee.</p>
<p class="p1">Founded in 1896, the Independent Insurance Agents & Brokers of America (the Big “I”) is the nation’s oldest and largest national association of independent insurance agents and brokers.</p>
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<title>Portable and Supplemental Heater Safety</title>
<link>https://www.insurance-advocate.com/2021/01/11/portable-and-supplemental-heater-safety/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 04:49:49 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[MSO Inc.]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12592</guid>
<description><![CDATA[<p>By Sue C. Quimby, CPCU, AU, CIC, CPIW, DAE As temperatures fall, the demand for and use of supplemental heating sources rises. Portable heaters are commonly used when the main heating system is inadequate, or when just an area of the building needs to be heated. During the COVID-19 pandemic, supplemental heaters became essential equipment […]</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/portable-and-supplemental-heater-safety/">Portable and Supplemental Heater Safety</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1"><strong>By Sue C. Quimby, CPCU, AU, CIC, CPIW, DAE</strong></p>
<p class="p1">As temperatures fall, the demand for and use of supplemental heating sources rises. Portable heaters are commonly used when the main heating system is inadequate, or when just an area of the building needs to be heated.<span class="Apple-converted-space"> </span>During the COVID-19 pandemic, supplemental heaters became essential equipment for restaurants forced to restrict their operations to outside dining.<span class="Apple-converted-space"> </span>Individuals also turned to these heaters to enable family gatherings, especially during the holidays. Safety considerations vary depending on the type of heater and where it will be used.<span class="Apple-converted-space"> </span>Helping clients understand the benefits and hazards of the use of supplemental heaters is another value-added service of the professional insurance agent.</p>
<p class="p1">Safety should be of primary concern when using a portable heater.<span class="Apple-converted-space"> </span>While they are more convenient than fixed systems, they are a leading cause of residential and business fires during colder months. These heaters are the cause of nearly 46,000 residential and over 7,000 non-residential fires each year, resulting in over $600 million in property damage. <span class="Apple-converted-space"> </span>In addition, more than 6000 people per year require hospitalization for burns caused by portable heaters (www.energy.gov).</p>
<p class="p1">Safety considerations differ depending on the type of heater and where the unit will be used.<span class="Apple-converted-space"> </span>It is essential that these heaters be used according to their listing and manufacturer’s instructions. Proper storage of fuel, such as propane or kerosene tanks, is also important. Failure to follow proper safety protocols can result in denial of insurance in the event of a loss. When possible, installation of a fixed supplemental system is preferable.</p>
<p class="p1">A good rule of thumb is to treat portable heaters the same as you would a fireplace or woodstove. Heaters should be placed on flat level surfaces out of high traffic areas to reduce tripping hazards. Heaters must be kept at least three feet from combustible materials, and never covered. Portable electric heaters should be kept away from kitchen, bathroom and damp basement areas unless connected to ground fault circuit interruption circuits (GFCI).<span class="Apple-converted-space"> </span>GFCI outlets cut the power when exposed to water or other shock hazards. Extension cords can overheat and pose a fire risk, so heaters should be plugged directly into the wall outlet. Outdoor electrical connections should be protected.</p>
<p class="p1">Heaters should be inspected and maintained regularly.<span class="Apple-converted-space"> </span>An additional concern with commercial heaters is that they may be rented rather than owned by the business. Units should be carefully inspected prior to and during use. For propane heaters, the wick should be checked weekly.<span class="Apple-converted-space"> </span>Propane tanks should be stored outside.<span class="Apple-converted-space"> </span>Failure to properly maintain the equipment could result in denial of insurance coverage in the event of a loss.</p>
<p class="p1">Propane space heaters produce the hottest amount of heat of all space heaters and are 20% cheaper to run than electric heaters. The disadvantage of this type of heater is the high risk of a fire or explosion due to a flame or burning fuel. The propane tanks need to periodically be refilled and replaced. An advantage is that propane heaters are completely portable and can be repositioned as needed.<span class="Apple-converted-space"> </span>Propane heaters release carbon monoxide and cannot be used indoors. Propane and unvented gas heaters need to be in a well-ventilated area, and not used for extended periods of time, due to the release and potential buildup of lethal combustion products, such as carbon monoxide and nitrogen dioxide.<span class="Apple-converted-space"> </span>Propane heaters do not require electricity to operate.</p>
<p class="p1">Kerosene heaters are only to be used with 1-K grade kerosene.<span class="Apple-converted-space"> </span>Refilling should be done outside after the unit has cooled down.<span class="Apple-converted-space"> </span>When operating, an outside window should be cracked open an inch to prevent buildup of harmful gases.</p>
<p class="p1">Infrared space heaters heat objects such as people and furniture rather than the air, so they are not suited for empty rooms. Once this heater is shut off the heat is still long lasting.<span class="Apple-converted-space"> </span>These units come with and without a fan.</p>
<p class="p1">Proper insurance, with limits that match the value of buildings and contents, is always essential. For renters, increased limits of liability for fire damage legal liability may be required.<span class="Apple-converted-space"> </span>In municipalities where fire department service charges are assessed, coverage, usually $500, is often available.</p>
<p class="p1">Use of supplemental and portable heaters can mean outdoor spaces can be used for dining and entertaining all year round.<span class="Apple-converted-space"> </span>Proper installation and care is essential.<span class="Apple-converted-space"> </span>Helping clients develop a plan for the use of portable and supplemental heaters is another sign of the true insurance professional.</p>
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<title>The Oft Unheard Skill: Listening</title>
<link>https://www.insurance-advocate.com/2021/01/11/the-oft-unheard-skill-listening/</link>
<dc:creator><![CDATA[Guest Author]]></dc:creator>
<pubDate>Mon, 11 Jan 2021 03:44:52 +0000</pubDate>
<category><![CDATA[2021]]></category>
<category><![CDATA[January 11]]></category>
<category><![CDATA[Leadership]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12588</guid>
<description><![CDATA[<p>Seven Simple Ways to Turn Up the Volume on Leadership and Client Service By Richard Torrenzano Listening has been a problem since mankind developed ears. Sometimes, the results have been dire, particularly in military and risk management history. October 25, 1854, in the Crimean War, the British Light Brigade was ordered to attack from the […]</p>
The post <a href="https://www.insurance-advocate.com/2021/01/11/the-oft-unheard-skill-listening/">The Oft Unheard Skill: Listening</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1"><span class="s1"><b>Seven Simple Ways to Turn Up the Volume on Leadership and Client Service</b></span></p>
<p class="p1"><span class="s1"><strong>By Richard Torrenzano</strong> </span></p>
<p class="p1">Listening has been a problem since mankind developed ears.</p>
<p class="p1">Sometimes, the results have been dire, particularly in military and risk management history.</p>
<p class="p1">October 25, 1854, in the Crimean War, the British Light Brigade was ordered to attack from the flanks, but muddled orders resulted in a frontal attack, wiping out half the regiment. Someone was just not listening carefully.</p>
<p class="p1">July 2, 1863, Confederate General Longstreet misinterpreted General Lee’s orders to attack, advancing three hours too late. That listening error may have altered the battle of Gettysburg…. and the Civil War.</p>
<p class="p1">And lest we forget how critical listening is, on the night of April 14, 1912 the crew of the Titanic was urgently warned of ice…but listened, let us say, casually at best.</p>
<p class="p1">In more recent times, industry titans have been tone deaf at many of the wrong times: Borders, Blockbuster, JC Penny, Kodak, Palm, Radio Shack, Sears, Tie Rack, Toys R Us, Pan Am and many more might have fared better had they “gotten the message” clearly and had the means to process it.</p>
<p class="p1">Whether it be in battle, business or life, not knowing how to listen is one of our greatest challenges.</p>
<p class="p1">As a young corporate manager, I was privileged to be on the team that developed and advanced that program.</p>
<p class="p1">Think about your youth.</p>
<p class="p1">In school, we studied reading, writing and arithmetic. We were called on to stand and recite reading passages or answer questions. We became proficient at “sending”.</p>
<p class="p1">Same at university, as we studied mathematics, science, music and art. Other courses focused on public speaking, speaking a foreign language, perhaps even acting. We listened at lectures and were graded on retention, but that was for a fraction of what we heard and was a small, relative indicator of our absorption level.</p>
<p class="p1">The pandemic has dramatically altered life and workplace skills.<span class="Apple-converted-space"> </span>I cannot think of a more important time to rethink listening.</p>
<p class="p1">Following are seven ways to do just that.</p>
<p class="p3"><b>Great leaders are good listeners.</b></p>
<p class="p1">Peter Drucker, Austrian-born American management consultant, said “Listening is not a skill; it’s a discipline. Anybody can do it. All you have to do is keep your mouth shut.” He went on to say, “The most important thing in communication is hearing what isn’t said.”</p>
<p class="p1">Generally, managers direct operations, financial and human capital, to accomplish objectives. Leaders inspire, influence, motivate and enable others to take a different path. In a crisis, leaders step forward and managers must step back. I treat this important concept in speeches on leadership…that I trust are followed closely.</p>
<p class="p1">Business leaders understand what needs to be changed, then implemented and accomplished. They realize these goals by compiling data and actively listening to constituents: employees, management, investors, customers, partners and advisors, vendors, regulators, media and social commentary, as well as community, industry and government stakeholders.</p>
<p class="p1">As any sail racer will confirm, we listen to tall tales and, more important, telltales. Listening to them improves performance dramatically. They tell what is happening at one moment of time on different parts of the sailboat.</p>
<p class="p1">You must also listen to telltales in meetings and conversations with constituents.</p>
<p class="p1">What are telltales telling you? Leaders need to understand constituents’ views: what they are saying, why they are saying it, and when they are saying it. Listening is effective when what you heard is timely — so that appropriate action or inaction ensues.</p>
<p class="p1">Key point: Do listen for what is not being said? In meetings, can you read nonverbal cues in eyes, facial expressions, body posture or gestures? On the phone do you listen carefully for tone, hesitation or cadence? Also, notice who did not participate and said nothing.</p>
<p class="p3"><b> “Listening Mode”</b></p>
<p class="p1">Just before a meeting, conference or virtual call…. pause and say: “I am now in active listening mode.” That does not mean be tense. It means relax and pay active attention to the conversation by listening to the speaker(s) and not talking. Do not multitask. Active listening requires no distractions. That includes smart phones!</p>
<p class="p1">In virtual meetings, continually look directly into the camera, unless taking notes. People are viewing you on a screen. They will relate their learned environment to TV characters as good guys or villains. Make sure you are identified correctly by showing you are engaged and actively listening.</p>
<p class="p1">Last week on a long virtual call, at a critical point in the conversation, one senior executive leaned back in his chair with folded arms. That body signal demonstrated he checked out and was no longer listening. You cannot make this up. He probably would not do that in an office meeting……but could easily slip into that sitting in front of a home computer.</p>
<p class="p1">Key point: If you are hosting or managing a meeting, become a listening champion.<span class="Apple-converted-space"> </span>Remind everyone at the beginning about best practices for speaking, be brief, to the point…… and that brevity will allow everyone to listen better.</p>
<p class="p1">A Microsoft research report noted the average human attention span is now eight seconds, less than that of goldfish with nine seconds. Notably, today we choose to receive information in short clips. People shut down listening to long talks.</p>
<p class="p1">Echoing that, Twitter has been very successful and influential; we now live in a Twitter 280-character world. Note, that is 280 characters, not 280 words.</p>
<p class="p1">During in-person meetings, adopt the same guidance at the beginning as virtual meetings. One way to demonstrate active listening, is if someone states something that you do not understand, or if acronyms or industry jargon are used, ask the speaker to explain and why that is important.</p>
<p class="p1">Key point: Don’t be afraid to stop and ask if all understand points the speaker is addressing. This will not only confirm messages and information are received correctly, but will position you as actively listening, gracious, and involved.</p>
<p class="p1">Good Listening Does Not Mean Agreement</p>
<p class="p1">When you are in active listening mode, many consultants or HR trainers suggest you nod your head in meetings or on virtual calls. Do Not Do That. Awful advise.</p>
<p class="p1">Turn the telescope around. The person speaking will think you are agreeing with what they are saying, and you may not agree with their comments.</p>
<p class="p1">Listening is not hearing. In life we have heard people comment, “you’re not hearing me”. “No, I am hearing you — and I understand your point of view. I have listened to you, but I do not agree.”</p>
<p class="p1">Key point: Listening and understanding is NOT agreeing. However, do keep an open mind so you can understand different points of view. What are the two or three take always you heard? Focus and note key thoughts and phrases.</p>
<p class="p3"><b>No Silver Bullets</b></p>
<p class="p1">Business leaders are action oriented. In many cases they shut down what’s coming at them, sometimes prejudging an answer.</p>
<p class="p1">If you are listening to a problem, we immediately want to suggest a solution. Have patience.</p>
<p class="p1">Key point: Paradoxically, we probably listen and think faster than almost anyone can speak.<span class="Apple-converted-space"> </span>Sometimes this moves us to conclusions as we are thinking, rather than listening to the speaker. That is a hidden barrier of good listening.</p>
<p class="p1">Think about the problem. Inform the group that you will review ideas and suggestions and get back to them. Then, after an appropriate amount of time — depending on the issue — come back with specific common bonds, ideas and action items.</p>
<p class="p1">Sometimes it is a good idea to circle back to an individual in that meeting and say, “let me make sure I understand what you were saying” and paraphrase them. That shows respect for their intellect and their point of view.</p>
<p class="p1">Listening is Active Two-way Communication.</p>
<p class="p1">In social media, as in life, we follow influencers (leaders). Social media is just that, it is social. It requires interaction, back and forth communication. So does listening.</p>
<p class="p1">After you have actively listened, ask open ended questions about the speaker’s remarks or specific points. But remember point # 4. Don’t immediately react.</p>
<p class="p1">Listen to seek out what employees, clients and others are thinking.</p>
<p class="p1">Key point: Significant listening opportunities include town halls, small meetings, one-on-one meetings, focus groups, toll free numbers, suggestions boxes with awards, confidential snail-mail or email, cool graffiti walls in offices, and analysis of company or competitor social media. All are ways to listen to commentary inside and outside your organization.</p>
<p class="p1">But as you are listening, are you open to comprehend different points of view?</p>
<p class="p1">Similar to Sperry, build a workplace culture on the importance of listening to all constituents. When my firm does analysis of constituents’ commentary, many executives are surprised at the results presented, both good and not so good. Have they been listening?</p>
<p class="p3"><b>Listening for What Clients Really Want</b></p>
<p class="p1">My good friend, Ron Levine, senior litigator at Herrick Law,<span class="Apple-converted-space"> </span>in a recent discussion, outlined a terrific listening technique:</p>
<p class="p1">“The ability to listen is a critical skill for anyone who is trying to assist a client or customer. Indeed, business,<span class="Apple-converted-space"> </span>law schools and organizational training have been promoting “Mindfulness” to help focus on the person who is speaking.</p>
<p class="p1"> “I always try to listen carefully before suggesting any recommended strategy.</p>
<p class="p1"> “When you are asked to assist someone in achieving a goal, whether it is a client or any customer for that matter, draw a line across the middle of a page of a legal pad.</p>
<p class="p1">“Ask the individual to write down on the top of the line what he or she would like to happen. After they have completed that, ask the individual to write down on the lower half of the page what they are prepared to accept.”</p>
<p class="p1"> Key point: “Too often we only listen to the top half of the page. In the legal business, for example, clients will invariably tell you they want to win the case. That said, clients are often willing to settle and accept less, especially if they save costs, fees and time.”</p>
<p class="p1">The same is true in business. Terrific listening technique for all.</p>
<p class="p3"><b>Challenge Yourself.</b></p>
<p class="p1">Are you a good listener?</p>
<p class="p1">I could do much better. So, I challenged myself to be a much better listener. Will you challenge yourself as well?</p>
<p class="p1">Key point:<span class="Apple-converted-space"> </span>For all meetings on your schedule next week, set up a quick and simple five-point rating sheet for yourself and complete after each meeting. Just jot it down on a pad.</p>
<p class="p1">For each answer, mark yourself: 0 for bad, 1 for ok, 2 for good.</p>
<p class="p1">–Were you an active listener as described in point #1?</p>
<p class="p1">–Were you distracted?</p>
<p class="p1">–Did you interrupt or talk over anyone?</p>
<p class="p1">–Did you make good notes of comments at the meeting because you were in listening mode?</p>
<p class="p1">–Did you listen to telltales of unspoken words or body language and what did they tell you?</p>
<p class="p1">If you score 8 or higher from a total of 10 for each meeting, you are a good listener. If not, perhaps read this article again and adopt some ideas…… and test yourself again the following week.</p>
<p class="p1">Have you heard: listening effectively is a major strength.<span class="Apple-converted-space"> </span></p>
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