Fyi express0613

More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com

FYI EXPRESS June, 2013

EXPRESS “What You Don’t Know Can’t Help You!” … Eddie K. Emmett, Editor / Publisher

The Axeman Cometh!In This Edition

THE AXEMAN COMETH! .................. 1

2012 GEORGIA PPA PAGE 14- LIABILITY ....................................... 2

2012 GEORGIA PPA PAGE 14- PHYSICAL DAMAGE .................... 178

THE FINE PRINT ........................... 32

ADDRESSING BEHAVIOR AND

PERFORMANCE ISSUES ................. 37

WAYNE HOOPER REPORTS: THE BEST

BARBECUE (BARBEQUE) OR BBQ

RESTAURANTS IN GEORGIA PER AN FYI SURVEY ........................................ 40

AT LEGALSHIELD, INSURANCE

AGENCIES BENEFIT BIG. ................ 43

INSURANCE EXPO 2013

“Rebooting Insurance Offices!”

July 11 – 13, 2013

Sonesta Gwinnett Place in Duluth, GA

Rooms only $94.00 if reserved by June 27th

Check out the Production & Loss Statements in this edition.

If you have been tracking it, you will notice that in many cases over the years the companies’ volume has increased along with a significant increase in the loss ratio.

And other companies have introduced new underwriting tools that help them better understand policyholders, household structures and vehicle utilization.

These new underwriting tools have added to the sophistication of rate making, raised the speed and standard of field underwiting, but also added greatly to the cost of doing business.

For example, some companies spend $50 - $60 per application in Georgia just on quote and point of sale customer data. They verify current carrier information, score financial responsibility, pre-fill driver and vehicle information, and run MVR / CLUE for every customer. It doesn’t take long for those costs to add up.

So what is a company to do?

Some of the more sophisticated companies have introduced eSignature platforms that allow customers to “point & click” their way through an application while in the agency.

These enhancements should represent a substantial savings in time, paper, ink, storage, as well as a reduced E&O exposure for agencies.

Assuming, of course, that your agency has embraced the digital changes and do not continue to hold fast to the old way of conducting business.

Some of the company management teams will vote to reduce the number of agency appointments in order to restore business back to a more profitable position.

Other will reduce commission paid to the agency.

Why wouldn’t a company simply raise fees and premium to offset the increased cost of doing business?

#1 – most of the carriers are already at the high end of the fees approved by GA DOI.

#2 – You, the agent, have told the companies over and over that price, not stability or service, is the most important weapon in your arsenal.

So what should an agency do before “The Axeman Cometh”?

With the coming reduction in agency appointments, the value of your agency contract has increased and I encourage you to safeguard that with ongoing profitable business.

Take time to review your agency’s field underwriting and criteria to ensure a solid book of business.

And plan to attend Insurance Expo 2013 to check out replacement companies … just in case … The Axeman Cometh!



2012 Georgia PPA Page 14 - Liability

2012 Georgia PPA Liability Direct Cumulative Direct Direct Pure

Premiums Market Market Premiums Losses Direct

Company Name Written Share Share Earned Incurred Loss Ratio

21st Century Centennial Ins Co 9,997,721 0.31% 0.31% 9,392,970 6,469,865 68.88%

21st Century Ind Ins Co 0 0% 0.31% 0 -30,030 0%

21st Century Ins Co 0 0% 0.31% 0 -259,306 0%

21st Century N Amer Ins Co 1,440,534 0.05% 0.36% 1,564,902 900,017 57.51%

21st Century Natl Ins Co 0 0% 0.36% 0 -24,214 0%

ACCC Ins Co 15,080,395 0.47% 0.83% 14,319,503 9,971,086 69.63%

AGCS Marine Ins Co 0 0% 0.83% 0 -2,029 0%

AIU Ins Co 0 0% 0.83% 0 -2,264 0%

ATX Premier Insurance Company 0 0% 0.83% 0 -1,106 0%

Access Ins Co 1,032,877 0.03% 0.86% 1,065,509 1,287,417 120.83%

Ace Amer Ins Co 0 0% 0.86% 0 6 0%

Affirmative Ins Co 34,383 0.00% 0.86% 37,564 23,290 62.00%

Alfa Gen Ins Corp 6,215,614 0.19% 1.06% 6,221,651 5,524,920 88.80%

Alfa Ins Corp 19,562,184 0.61% 1.67% 19,187,349 14,093,124 73.45%

Alfa Specialty Ins Corp 2,707,642 0.08% 1.76% 2,141,666 1,855,204 86.62%

All Amer Ins Co 0 0% 1.76% 0 -3,406 0%

Allied Prop & Cas Ins Co 1,091,162 0.03% 1.79% 409,797 372,235 90.83%

Allmerica Fin Alliance Ins Co 7,837,300 0.25% 2.04% 8,433,141 6,522,095 77.34%

Allmerica Fin Benefit Ins Co 3,387,558 0.11% 2.14% 2,320,692 2,146,194 92.48%

Allstate Fire & Cas Ins Co 188,460,501 5.91% 8.05% 183,482,558 142,173,862 77.49%

Allstate Ind Co 7,065,206 0.22% 8.27% 7,562,613 6,552,094 86.64%

Allstate Ins Co 70,105,534 2.20% 10.47% 72,565,810 53,151,457 73.25%

Allstate Prop & Cas Ins Co 29,251,019 0.92% 11.39% 30,393,207 19,287,103 63.46%

Alpha Prop & Cas Ins Co 452,300 0.01% 11.40% 501,760 443,872 88.46%

AmTrust Ins Co of KS Inc 0 0% 11.40% 0 -41 0%

Amco Ins Co 169,711 0.01% 11.41% 165,001 321,770 195.01%

American Bankers Ins Co Of FL 453,491 0.01% 11.42% 446,464 150,794 33.78%

American Economy Ins Co 82,960 0.00% 11.43% 91,671 12,835 14.00%

American Family Home Ins Co 33,940 0.00% 11.43% 45,058 8,135 18.05%

American Family Ins Co 13,910,210 0.44% 11.86% 12,043,331 16,516,563 137.14%

American Guar & Liab Ins 0 0% 11.86% 0 100 0%

American Home Assur Co 0 0% 11.86% 0 -17,107 0%

American Independent Ins Co 1,113,397 0.03% 11.90% 633,984 456,391 71.99%

American Mercury Ins Co 3,342,336 0.10% 12.00% 3,706,181 2,534,766 68.39%

American Modern Home Ins Co 310,968 0.01% 12.01% 291,751 1,068 0.37%

American Modern Select Ins Co 322,753 0.01% 12.02% 353,729 294,190 83.17%

American Natl Gen Ins Co 401,966 0.01% 12.03% 416,262 304,037 73.04%

American Natl Prop & Cas Co 4,700,398 0.15% 12.18% 4,456,000 2,915,125 65.42%

American Reliable Ins Co 104,402 0.00% 12.19% 117,217 118,065 100.72%

American Security Ins Co 71,882 0.00% 12.19% 79,691 461,544 579.17%

Go to www.EandOQuote.com for more information



American Standard Ins Co Of OH 6,547,305 0.21% 12.39% 5,633,740 7,027,609 124.74%

American States Ins Co 270,037 0.01% 12.40% 303,323 203,568 67.11%

American States Ins Co Of TX 56,768 0.00% 12.40% 61,261 -5,217 -8.52%

American States Preferred Ins Co 39,028 0.00% 12.40% 44,203 54,272 122.78%

American Zurich Ins Co 0 0% 12.40% 0 13,248 0%

Ameriprise Ins Co 2,438,747 0.08% 12.48% 2,338,343 2,370,436 101.37%

Amex Assur Co 0 0% 12.48% 0 -100,401 0%

Amica Mut Ins Co 14,902,366 0.47% 12.95% 15,159,129 10,674,100 70.41%

Arch Ins Co 0 0% 12.95% 0 -411 0%

Assurance Co Of Amer 0 0% 12.95% 0 -841 0%

AssuranceAmerica Ins Co 7,545,704 0.24% 13.18% 8,413,828 4,269,056 50.74%

Auto Club S Ins Co 2,319,041 0.07% 13.26% 2,551,552 1,554,663 60.93%

Auto Owners Ins Co 22,566,187 0.71% 13.96% 22,521,662 22,309,485 99.06%

Automobile Ins Co Of Hartford CT 1,215,923 0.04% 14.00% 1,341,033 958,001 71.44%

Balboa Ins Co 0 0% 14.00% 0 -313,252 0%

Bankers Standard Ins Co 5,003,939 0.16% 14.16% 5,421,995 2,379,646 43.89%

Bristol W Ins Co 174,277 0.01% 14.17% 193,389 41,576 21.50%

CNL Ins Amer Inc 0 0% 14.17% 0 -100 0%

California Cas Ind Exch 1,551,842 0.05% 14.21% 1,516,417 1,874,558 123.62%

Central Mut Ins Co 11,429,206 0.36% 14.57% 11,340,624 8,174,115 72.08%

Charter Ind Co 2,883,969 0.09% 14.66% 2,994,151 2,860,410 95.53%

Charter Oak Fire Ins Co 726,586 0.02% 14.69% 769,940 583,282 75.76%

Chartis Cas Co 0 0% 14.69% 0 10,943 0%

Chartis Prop Cas Co 950,028 0.03% 14.72% 958,674 433,957 45.27%

Chicago Ins Co 0 0% 14.72% 0 -27,916 0%

Chubb Natl Ins Co 1,359,617 0.04% 14.76% 1,228,063 632,106 51.47%

Cincinnati Cas Co 0 0% 14.76% 0 590 0%

Cincinnati Ins Co 20,444,170 0.64% 15.40% 20,107,673 13,259,067 65.94%

Citizens Ins Co Of Amer 967,822 0.03% 15.43% 1,077,524 688,252 63.87%

Civic Prop & Cas Co 110,272 0.00% 15.43% 118,021 -148,394 -125.74%

Coast Natl Ins Co 5,919,883 0.19% 15.62% 6,010,338 3,387,573 56.36%

Commercial Alliance Ins Co 323,360 0.01% 15.63% 312,809 359,299 114.86%

Companion Prop & Cas Ins Co 23,608 0.00% 15.63% 18,863 -1,343 -7.12%

Continental Cas Co 0 0% 15.63% 0 6,555 0%

Continental Ins Co 0 0% 15.63% 0 -37,596 0%

Cornerstone Natl Ins Co 5,698,719 0.18% 15.81% 6,629,176 8,627,819 130.15%

Country Cas Ins Co 1,217,099 0.04% 15.85% 1,234,275 770,558 62.43%

Country Mut Ins Co 47,561,404 1.49% 17.34% 47,471,791 36,518,307 76.93%

Country Pref Ins Co 9,846,286 0.31% 17.65% 9,297,248 6,004,367 64.58%

Dairyland Ins Co 1,298,235 0.04% 17.69% 1,322,552 1,114,835 84.29%

Depositors Ins Co 8,341,584 0.26% 17.95% 8,897,146 6,651,358 74.76%

Direct Gen Ins Co 12,805,288 0.40% 18.35% 13,299,080 7,726,309 58.10%

Benefits of becoming a producer:

We strive to provide leading edge technology tools to improve the management of our business techniques so we can deliver fast and accurate service. Below is a list of "Key Benefits" offered to you and your customers.

• Down-Payments with Credit Card or E-Check • Electronic Signature • Commission Paid Twice Monthly • Multiple payment options for customers • Recurring EFT • Web enabled Point-of-Sale and Policy Administration System • Real time Agency Reporting • Real Time Endorsements • POS Endorsement Issuance • Competitive Rating Structure • Fast and Friendly Customer Service • Reliable In-Office Claim Service • 100% Reinsured by an A+ A.M. Best Rated Company Aggressive's low down payment options make it easy forcustomers to get the coverage they need at a price they can afford. By continuously developing new and improved techniques for independent agents and maintaining unmatched service levels for customers, Aggressive is establishing new standards in the automobile insurance industry.

4500 Fuller DrSuite 400

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866-424-9511 ph866-424-9510 fax

[email protected]

www.aggressiveusa.com

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David Emmett Janice CantrellOperations Marketing770-490-7861 912-398-5295



Drivers Ins Co 379,636 0.01% 18.36% 399,441 288,304 72.18%

Economy Premier Assur Co 1,951,993 0.06% 18.42% 2,009,808 1,475,796 73.43%

Electric Ins Co 1,038,408 0.03% 18.45% 973,442 863,964 88.75%

Emcasco Ins Co 0 0% 18.45% 0 -1,448 0%

Empire Fire & Marine Ins Co 0 0% 18.45% 0 20,500 0%

Encompass Ind Co 7,384,310 0.23% 18.69% 8,166,644 6,334,242 77.56%

Encompass Ins Co Of Amer 4,044,917 0.13% 18.81% 4,472,491 2,019,255 45.15%

Encompass Prop & Cas Co 1,079,614 0.03% 18.85% 1,264,784 941,665 74.45%

Equity Ins Co 5,327,006 0.17% 19.01% 4,707,916 5,169,046 109.79%

Essentia Ins Co 687,637 0.02% 19.04% 654,233 192,374 29.40%

Esurance Ins Co 2,652,131 0.08% 19.12% 2,859,759 1,962,931 68.64%

Esurance Prop & Cas Ins Co 14,422,724 0.45% 19.57% 12,722,090 8,901,937 69.97%

Ethio Amer Ins Co 0 0% 19.57% 0 1,511 0%

Everest Security Ins Co 15,099,819 0.47% 20.04% 14,922,259 10,898,038 73.03%

Farmers Ins Exch 315,642 0.01% 20.05% 369,868 136,029 36.78%

Farmington Cas Co 0 0% 20.05% 0 -66 0%

Federal Ins Co 214,348 0.01% 20.06% 232,940 106,682 45.80%

Federated Natl Ins Co 362,273 0.01% 20.07% 601,425 734,546 122.13%

Firemans Fund Ins Co 1,342,044 0.04% 20.11% 1,420,342 1,334,759 93.97%

First Acceptance Ins Co Inc 67,305 0.00% 20.12% 72,899 42,284 58.00%

First Acceptance Ins Co of GA Inc 25,243,999 0.79% 20.91% 24,894,201 21,131,779 84.89%

First Liberty Ins Corp 1,010 0% 20.91% 958 -240 -25.05%

First Natl Ins Co Of Amer 872,435 0.03% 20.94% 966,679 249,987 25.86%

Foremost Ins Co Grand Rapids MI 2,758,185 0.09% 21.02% 2,562,122 3,410,809 133.12%

Foremost Signature Ins Co -232 0% 21.02% 3,282 -4,748 -144.67%

Garrison Prop & Cas Ins Co 22,594,563 0.71% 21.73% 21,467,133 29,857,886 139.09%

Geico Cas Co 1,612,309 0.05% 21.78% 1,864,219 1,065,412 57.15%

Geico Gen Ins Co 158,883,999 4.98% 26.76% 158,533,627 125,648,648 79.26%

Geico Ind Co 102,630,331 3.22% 29.98% 100,962,047 66,274,468 65.64%

General Ins Co Of Amer 292,842 0.01% 29.99% 322,031 16,594 5.15%

Generali Us Branch 0 0% 29.99% 0 -4 0%

Georgia Farm Bureau Cas Ins Co 2,922,240 0.09% 30.08% 3,211,825 1,985,979 61.83%

Georgia Farm Bureau Mut Ins Co 97,700,831 3.06% 33.14% 96,172,425 69,512,055 72.28%

Georgia Mut Ins Co 3,802,834 0.12% 33.26% 3,902,683 3,607,809 92.44%

Global Reins Corp Of Amer 0 0% 33.26% 0 -125 0%

Government Employees Ins Co 68,412,138 2.14% 35.41% 69,142,853 52,300,441 75.64%

Grange Ind Ins Co 852,908 0.03% 35.43% 665,544 422,489 63.48%

Grange Mut Cas Co 3,832,733 0.12% 35.55% 4,008,119 1,109,814 27.69%

Grange Prop & Cas Ins Co 11,995,884 0.38% 35.93% 11,687,941 6,588,545 56.37%

Granite State Ins Co 0 0% 35.93% 0 -829 0%

Great Amer Assur Co 107 0% 35.93% 76 2,415 3177.63%

Great Amer Ins Co 0 0% 35.93% 0 232 0%

Great Amer Security Ins Co 0 0% 35.93% 0 93 0%

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Great Amer Spirit Ins Co 0 0% 35.93% 0 129 0%

Great Northern Ins Co 1,789,513 0.06% 35.99% 1,901,877 898,106 47.22%

Greenstar Ins Co 2,311,891 0.07% 36.06% 1,457,484 2,017,297 138.41%

Guideone Amer Ins Co 1,865,307 0.06% 36.12% 1,908,904 1,451,495 76.04%

Guideone Elite Ins Co 2,251,315 0.07% 36.19% 2,306,072 2,093,733 90.79%

Guideone Mut Ins Co 929,323 0.03% 36.22% 968,418 367,535 37.95%

Guideone Specialty Mut Ins Co 2,090,186 0.07% 36.28% 1,902,414 1,452,354 76.34%

Hallmark Ins Co 2,316,541 0.07% 36.36% 2,827,795 3,332,787 117.86%

Hallmark Natl Ins Co 63,087 0.00% 36.36% 86,531 59,683 68.97%

Hanover Ins Co 191,040 0.01% 36.36% 212,951 333,810 156.75%

Harleysville Preferred Ins Co 188,577 0.01% 36.37% 141,761 146,811 103.56%

Hartford Accident & Ind Co 1,818,107 0.06% 36.43% 1,583,549 1,255,900 79.31%

Hartford Cas Ins Co 269,088 0.01% 36.43% 297,098 12,953 4.36%

Hartford Fire In Co 164,564 0.01% 36.44% 180,689 203,981 112.89%

Hartford Ins Co Of The Midwest 6,670,599 0.21% 36.65% 6,794,351 4,887,997 71.94%

Hartford Ins Co Of The Southeast 10,318,574 0.32% 36.97% 9,247,201 6,318,864 68.33%

Hartford Underwriters Ins Co 2,198,541 0.07% 37.04% 2,402,674 497,216 20.69%

Haulers Ins Co Inc 1,156,546 0.04% 37.08% 1,025,149 767,401 74.86%

Horace Mann Ins Co 2,666,083 0.08% 37.16% 2,784,200 923,358 33.16%

Horace Mann Prop & Cas Ins Co 2,412,451 0.08% 37.24% 2,089,911 1,752,211 83.84%

IDS Prop Cas Ins Co 3,006,521 0.09% 37.33% 3,089,255 3,443,214 111.46%

Illinois Natl Ins Co 0 0% 37.33% 0 -15 0%

Infinity Auto Ins Co 25,277,283 0.79% 38.12% 25,858,549 19,500,168 75.41%

Infinity Cas Ins Co 0 0% 38.12% 0 13,842 0%

Infinity Ins Co 1,315,949 0.04% 38.16% 2,802,350 2,200,401 78.52%

Infinity Reserve Ins Co 0 0% 38.16% 0 6,192 0%

Infinity Safeguard Ins Co 2,518,634 0.08% 38.24% 2,352,148 1,949,094 82.86%

Infinity Security Ins Co 0 0% 38.24% 0 13,878 0%

Infinity Select Ins Co 6,280,466 0.20% 38.44% 4,136,453 3,391,825 82.00%

Infinity Standard Ins Co 0 0% 38.44% 0 -17,991 0%

Insurance Co Of The State Of PA 0 0% 38.44% -21,539 0 0%

Insuremax Ins Co 2,384,533 0.07% 38.52% 2,381,633 1,698,089 71.30%

Integon Gen Ins Corp 86,154 0.00% 38.52% 91,968 99,324 108.00%

Integon Ind Corp 154,808 0.00% 38.52% 172,231 -159 -0.09%

Integon Natl Ins Co 4,495,134 0.14% 38.66% 5,265,926 6,940,882 131.81%

Ironshore Ind Inc 71,048 0.00% 38.67% 71,414 131 0.18%

Knightbrook Ins Co 6,760,992 0.21% 38.88% 6,576,393 4,303,591 65.44%

LM Gen Ins Co 23,305,090 0.73% 39.61% 14,985,369 9,974,624 66.56%

LM Ins Corp 2,041,612 0.06% 39.67% 1,417,105 1,439,991 101.62%

Liberty Ins Corp 2,957,433 0.09% 39.77% 3,312,692 1,967,969 59.41%

Liberty Mut Fire Ins Co 88,981,507 2.79% 42.55% 91,381,719 69,822,905 76.41%

Liberty Mut Ins Co 0 0% 42.55% 0 2,689 0%

Lincoln Gen Ins Co -59,150 0.00% 42.55% -59,150 25,000 -42.27%

N O N - S TA N DA R D S P E C I A L I S T S

H I G H LY CO M P E T I T I V E R AT E S

I N T E R N AT I O N A L L I C E N S E S

E A S E O F D O I N G B U S I N E S S

N O N - O W N E R L I A B I L I T Y

WHY SHOULD YOU JOIN GAINSCO?WHAT GEORGIA AGENTS ARE SAYING...

W W W. G A I N S C O. C O M / G E O R G I A

“Most non-standard companies are not in the game for the long haul. But we as agency owners feel that GAINSCO will be here not only for the next year but for decades to come.”

– Shawn Reynolds, Esquire Insurance, Winder, GA

“Our GAINSCO rep makes us feel like we’re part of the team.”– Lori Blalock, ABC Insurance, Dalton, GA

“GAINSCO has great prices and a website that makes it very easy to quote and sell.”

– Yolanda Bargas, Liberty Tax Service, Cumming, GA

APPOINTING NEW AGENTS NOW!Get started now at www.gainsco.com/georgia



Loya Ins Co 2,162,024 0.07% 42.62% 1,901,264 1,997,912 105.08%

MGA Ins Co Inc 5,293,849 0.17% 42.79% 5,061,317 3,497,344 69.10%

MIC Gen Ins Corp 803,383 0.03% 42.81% 862,102 1,189,156 137.94%

Maiden Specialty Ins Co 0 0% 42.81% 0 -25,235 0%

Main St Amer Assur Co 681,159 0.02% 42.83% 739,533 790,886 106.94%

Markel Amer Ins Co 123,721 0.00% 42.84% 130,613 90,976 69.65%

Maryland Cas Co 0 0% 42.84% 0 6,526 0%

Massachusetts Bay Ins Co 774,551 0.02% 42.86% 854,322 -258,761 -30.29%

Mendakota Ins Co 421,730 0.01% 42.87% 453,181 255,774 56.44%

Mendota Ins Co 58,484 0.00% 42.88% 64,509 96,286 149.26%

Merastar Ins Co 1,732,193 0.05% 42.93% 1,816,593 2,050,689 112.89%

Mercury Ind Co Of GA 18,260,445 0.57% 43.50% 17,420,844 13,171,202 75.61%

Mercury Ins Co Of GA 307,499 0.01% 43.51% 328,899 134,847 41.00%

Meridian Security Ins Co 4,900,946 0.15% 43.67% 3,899,688 4,077,515 104.56%

Meritplan Ins Co 0 0% 43.67% 0 8,354 0%

Metropolitan Cas Ins Co 7,612,653 0.24% 43.91% 7,282,946 7,212,298 99.03%

Metropolitan Drt Prop & Cas Ins Co 253,002 0.01% 43.91% 261,782 39,113 14.94%

Metropolitan Gen Ins Co 228,835 0.01% 43.92% 236,713 91,648 38.72%

Metropolitan Grp Prop & Cas Ins Co 16,735,532 0.52% 44.45% 15,572,175 12,344,346 79.27%

Metropolitan Prop & Cas Ins Co 3,152,707 0.10% 44.54% 3,248,569 2,323,256 71.52%

Mid Century Ins Co 277,018 0.01% 44.55% 108,107 67,027 62.00%

Middle Ga Mut Ins Co 256,085 0.01% 44.56% 112,358 37,348 33.24%

Middlesex Ins Co 27,492 0.00% 44.56% 33,292 786 2.36%

NGM Ins Co -2,334 0.00% 44.56% 1,332 9,367 703.23%

National Gen Assur Co 5,238,422 0.16% 44.73% 4,892,224 2,951,220 60.32%

National Gen Ins Co 1,248,682 0.04% 44.76% 1,304,663 454,751 34.86%

National Interstate Ins Co 70,330 0.00% 44.77% 77,124 23,931 31.03%

National Security Fire & Cas Co 0 0% 44.77% 0 -4,734 0%

National Union Fire Ins Co Of Pitts -45,379 0.00% 44.77% -45,380 2,565,607 -5653.61%

National Unity Ins Co 30,031 0.00% 44.77% 989 0 0%

Nationwide Affinity Co of Amer 38,585,671 1.21% 45.98% 33,214,174 32,485,773 97.81%

Nationwide Assur Co 251,896 0.01% 45.98% 282,852 107,282 37.93%

Nationwide Gen Ins Co 54,192 0.00% 45.99% 95,326 253,069 265.48%

Nationwide Ins Co Of Amer 104,488 0.00% 45.99% 118,501 85,812 72.41%

Nationwide Mut Fire Ins Co 24,119,077 0.76% 46.75% 24,579,679 15,193,762 61.81%

Nationwide Mut Ins Co 1,094 0% 46.75% 64,496 73,868 114.53%

Nationwide Prop & Cas Ins Co 28,326,567 0.89% 47.63% 29,775,478 23,131,558 77.69%

New Hampshire Ins Co 0 0% 47.63% 1 -290 -29000%

New South Ins Co 125,090 0.00% 47.64% 145,933 89,746 61.50%

Northbrook Ind Co 19,604,078 0.61% 48.25% 20,212,450 13,275,002 65.68%

Northern Ins Co Of NY 0 0% 48.25% -213 -1,241 582.63%

Ohio Farmers Ins Co 0 0% 48.25% 0 -64 0%

Old Dominion Ins Co 134,823 0.00% 48.26% 149,564 134,153 89.70%

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Omni Ind Co 6,103,000 0.19% 48.45% 5,657,834 5,043,385 89.14%

Omni Ins Co 130,655 0.00% 48.45% 161,660 148,391 91.79%

OneBeacon Ins Co 0 0% 48.45% 0 31,802 0%

OneBeacon Midwest Ins Co 0 0% 48.45% 0 -5,431 0%

Owners Ins Co 38,941,098 1.22% 49.67% 37,161,370 29,766,368 80.10%

Pacific Ind Co 280,863 0.01% 49.68% 305,178 442,818 145.10%

Pacific Specialty Ins Co 123,663 0.00% 49.69% 134,840 35,217 26.12%

Patriot Gen Ins Co 2,060,606 0.06% 49.75% 2,231,825 1,784,486 79.96%

Peak Prop & Cas Ins Corp 3,862,286 0.12% 49.87% 4,085,748 3,471,466 84.97%

Peerless Ind Ins Co 0 0% 49.87% 0 -300 0%

Peerless Ins Co 4,891,027 0.15% 50.02% 5,620,997 4,391,133 78.12%

Pennsylvania Ins Co 0 0% 50.02% 0 -38,111 0%

Permanent Gen Assur Corp 4,408,901 0.14% 50.16% 4,005,248 3,251,751 81.19%

Permanent Gen Assur Corp Of OH 10,161,110 0.32% 50.48% 10,422,236 8,346,564 80.08%

Pharmacists Mut Ins Co 25,170 0.00% 50.48% 26,492 13,655 51.54%

Philadelphia Ind Ins Co 99,976 0.00% 50.48% 102,194 88,686 86.78%

Phoenix Ins Co 4,373,857 0.14% 50.62% 4,702,643 2,348,126 49.93%

Privilege Underwriters Recp Exch 169,636 0.01% 50.63% 162,497 105,061 64.65%

Progressive Advanced Ins Co 8,722,393 0.27% 50.90% 7,323,270 4,079,335 55.70%

Progressive Amer Ins Co 11,503,821 0.36% 51.26% 12,387,681 6,675,583 53.89%

Progressive Bayside Ins Co 9,501,786 0.30% 51.56% 10,262,026 5,599,500 54.57%

Progressive Cas Ins Co -611 0% 51.56% -611 -1,539 251.88%

Progressive Classic Ins Co 11,154,191 0.35% 51.91% 11,951,660 5,136,724 42.98%

Progressive Direct Ins Co 8,523,776 0.27% 52.18% 8,809,777 4,963,764 56.34%

Progressive Gulf Ins Co 540,546 0.02% 52.19% 1,245,893 392,217 31.48%

Progressive Max Ins Co 741,573 0.02% 52.22% 1,615,573 455,916 28.22%

Progressive Mountain Ins Co 241,094,048 7.56% 59.77% 237,349,002 167,144,174 70.42%

Progressive Northern Ins Co 10,432 0.00% 59.78% 28,584 13,537 47.36%

Progressive Northwestern Ins Co 0 0% 59.78% 0 -10,963 0%

Progressive Preferred Ins Co -267 0% 59.78% -267 -103,901 38914.23%

Progressive Premier Ins Co Of IL 133,606,225 4.19% 63.96% 127,946,330 84,383,910 65.95%

Progressive Southeastern Ins Co 5,612,316 0.18% 64.14% 6,318,913 3,415,341 54.05%

Property & Cas Ins Co Of Hartford 1,826,245 0.06% 64.20% 1,994,091 1,406,864 70.55%

QBE Ins Corp 0 0% 64.20% 0 51 0%

Response Ins Co 313,118 0.01% 64.21% 402,408 852,551 211.86%

Response Worldwide Ins Co 313,479 0.01% 64.22% 356,250 388,552 109.07%

Safe Auto Ins Co 15,090,780 0.47% 64.69% 15,589,226 9,755,988 62.58%

Safeco Ins Co Of Amer 4,451,308 0.14% 64.83% 4,744,515 2,692,223 56.74%

Safeco Ins Co Of IL 9,942,622 0.31% 65.14% 7,879,075 4,049,529 51.40%

Safeco Ins Co Of IN 7,424,427 0.23% 65.37% 5,764,213 3,359,741 58.29%

Safeco Natl Ins Co 4,346,813 0.14% 65.51% 4,591,848 3,373,596 73.47%

Safeway Ins Co Of GA 34,887,171 1.09% 66.60% 34,200,509 24,000,406 70.18%

Sagamore Ins Co 5,520 0.00% 66.60% 9,106 -1,599 -17.56%



Santa Fe Auto Ins Co 3,722,683 0.12% 66.72% 4,376,467 3,367,223 76.94%

Security Natl Ins Co 0 0% 66.72% 0 -144 0%

Select Ins Co 0 0% 66.72% 0 14 0%

Sentinel Ins Co Ltd 0 0% 66.72% 0 -4,271 0%

Sentry Ins A Mut Co 191,652 0.01% 66.73% 286,714 198,137 69.11%

Southern Cas ns Co 1,554,372 0.05% 66.78% 1,953,536 2,173,666 111.27%

Southern Fire & Cas Co 26,995 0.00% 66.78% 42,802 25,081 58.60%

Southern Gen Ins Co 15,782,775 0.49% 67.27% 15,849,352 10,809,798 68.20%

Southern Ins Co Of VA 7,255,489 0.23% 67.50% 7,367,428 5,926,455 80.44%

Southern Mut Ins Co 2,940,306 0.09% 67.59% 2,679,042 1,443,285 53.87%

Southern Pilot Ins Co 2,985,363 0.09% 67.68% 3,573,187 1,969,582 55.12%

Southern Trust Ins Co 4,795,954 0.15% 67.83% 4,746,654 2,087,918 43.99%

Standard Fire Ins Co 6,554,876 0.21% 68.04% 7,205,632 6,500,637 90.22%

Star Cas Ins Co 312,740 0.01% 68.05% 318,186 153,158 48.13%

State Auto Prop & Cas Ins Co 4,260,137 0.13% 68.18% 4,672,165 3,594,116 76.93%

State Automobile Mut Ins Co 947,929 0.03% 68.21% 1,009,890 940,814 93.16%

State Farm Fire & Cas Co 69,775,030 2.19% 70.40% 65,775,255 51,932,985 78.96%

State Farm Mut Auto Ins Co 654,755,895 20.53% 90.93% 641,475,001 459,310,561 71.60%

Stonewood Gen Ins Co 0 0% 90.93% 0 -305,223 0%

Stonewood Natl Ins Co 0 0% 90.93% 0 9,369 0%

Teachers Ins Co 3,076,063 0.10% 91.02% 3,132,728 2,460,173 78.53%

Titan Ind Co 1,224,735 0.04% 91.06% 1,198,821 1,307,380 109.06%

Transportation Ins Co 0 0% 91.06% 0 -18 0%

Travco Ins Co 2,851,467 0.09% 91.15% 3,089,845 1,537,395 49.76%

Travelers Cas & Surety Co 0 0% 91.15% 0 -633 0%

Travelers Commercial Ins Co 12,297,617 0.39% 91.54% 11,828,630 6,983,104 59.04%

Travelers Home & Marine Ins Co 60,810,996 1.91% 93.44% 59,785,535 44,019,948 73.63%

Travelers Ind Co 1,636,831 0.05% 93.50% 1,769,496 1,150,693 65.03%

Travelers Ind Co Of Amer 3,884,305 0.12% 93.62% 4,175,109 2,656,874 63.64%

Travelers Ind Co Of CT 0 0% 93.62% 0 -8,126 0%

Travelers Prop Cas Co Of Amer 0 0% 93.62% 0 165 0%

Trinity Universal Ins Co 0 0% 93.62% 0 1 0%

Triumphe Cas Co 13,381 0.00% 93.62% 14,616 13,187 90.22%

Truck Ins Exch 409,155 0.01% 93.63% 452,801 -58,085 -12.83%

Trustgard Ins Co 2,221,695 0.07% 93.70% 2,384,431 1,141,415 47.87%

Twin City Fire Ins Co Co 285,118 0.01% 93.71% 236,075 161,138 68.26%

USAA Cas Ins Co 64,078,445 2.01% 95.72% 63,147,054 68,171,349 107.96%

USAA Gen Ind Co 25,282,689 0.79% 96.51% 23,643,596 25,059,531 105.99%

United Automobile Ins Co 14,487,820 0.45% 96.97% 14,357,600 8,195,394 57.08%

United Serv Automobile Assn 82,769,730 2.59% 99.56% 81,664,389 78,956,033 96.68%

United States Liab Ins Co 3,973 0.00% 99.56% 2,012 4,007 199.16%

Unitrin Auto & Home Ins Co 4,812,701 0.15% 99.71% 4,850,959 3,357,048 69.20%

Unitrin Direct Prop & Cas Co 1,540,032 0.05% 99.76% 1,597,044 1,614,277 101.08%

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Universal Underwriters Ins Co 0 0% 99.76% 0 87,444 0%

Valley Forge Ins Co 0 0% 99.76% 0 1,941 0%

Victoria Fire & Cas Co 320,303 0.01% 99.77% 404,492 141,085 34.88%

Victoria Select Ins Co 4,725,844 0.15% 99.92% 4,929,006 3,728,274 75.64%

Victoria Specialty Ins Co 1,306,619 0.04% 99.96% 1,215,294 1,343,159 110.52%

Vigilant Ins Co 175,539 0.01% 99.96% 188,690 -58,035 -30.76%

Waco Fire & Cas Ins Co 502,429 0.02% 99.98% 590,965 781,443 132.23%

Warner Ins Co 133,991 0.00% 99.98% 151,720 103,697 68.35%

Western Gen Ins Co -595 0% 99.98% -306 0 0%

Westfield Ins Co 0 0% 99.98% 0 -156 0%

Westfield Natl Ins Co 0 0% 99.98% 0 -194 0%

Workmens Auto Ins Co 508,785 0.02% 100% 175,353 153,764 87.69%

Zurich Amer Ins Co 0 0% 100% 0 66,039 0%

311 Companies in Report 3,189,682,374 100% 100% 3,138,311,606 2,360,060,329 75.20%

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2012 Georgia PPA Page 14 - Physical Damage

Direct Cumulative Direct Direct Pure

2012 Georgia PPA Physical Damage Premiums Market Market Premiums Losses Direct

Company Name Written Share Share Earned Incurred Loss Ratio

21st Century Centennial Ins Co 6,024,006 0.26% 0.26% 5,668,659 3,302,568 58.26%

21st Century Ind Ins Co 0 0% 0.26% 0 -3,058 0%

21st Century Ins Co 0 0% 0.26% 0 41,388 0%

21st Century N Amer Ins Co 915,674 0.04% 0.31% 968,940 264,842 27.33%

21st Century Natl Ins Co 0 0% 0.31% 0 22,227 0%

ACCC Ins Co 4,368,546 0.19% 0.50% 4,016,630 950,904 23.67%

AGCS Marine Ins Co 0 0% 0.50% 0 1,933 0%

AIU Ins Co 0 0% 0.50% 0 -1,784 0%

ATX Premier Insurance Company 0 0% 0.50% 0 -458 0%

Access Ins Co 458,084 0.02% 0.52% 457,842 298,621 65.22%

Ace Amer Ins Co 0 0% 0.52% 0 33 0%

Affirmative Ins Co 14,246 0.00% 0.52% 16,117 9,993 62.00%

Alfa Gen Ins Corp 2,791,416 0.12% 0.64% 2,889,513 2,597,966 89.91%

Alfa Ins Corp 10,445,867 0.46% 1.10% 10,799,978 7,473,106 69.20%

Alfa Specialty Ins Corp 1,244,134 0.05% 1.16% 854,489 465,409 54.47%

All Amer Ins Co 0 0% 1.16% 0 -3,465 0%

Allied Prop & Cas Ins Co 671,942 0.03% 1.18% 251,429 164,748 65.52%

Allmerica Fin Alliance Ins Co 5,825,840 0.26% 1.44% 6,365,721 3,428,405 53.86%

Allmerica Fin Benefit Ins Co 2,493,335 0.11% 1.55% 1,676,567 902,118 53.81%

Allstate Fire & Cas Ins Co 155,680,509 6.85% 8.40% 154,551,233 72,017,339 46.60%

Allstate Ind Co 4,362,685 0.19% 8.59% 4,650,031 1,165,101 25.06%

Allstate Ins Co 84,440,283 3.71% 12.30% 86,592,923 21,343,065 24.65%

Allstate Prop & Cas Ins Co 24,100,448 1.06% 13.36% 24,563,161 10,322,162 42.02%

Alpha Prop & Cas Ins Co 265,724 0.01% 13.37% 299,397 227,548 76.00%

AmTrust Ins Co of KS Inc 0 0% 13.37% 0 44 0%

Amco Ins Co 641,752 0.03% 13.40% 573,574 324,488 56.57%

American Bankers Ins Co Of FL 6,017,826 0.26% 13.67% 6,290,762 2,799,879 44.51%

American Economy Ins Co 37,189 0.00% 13.67% 42,312 3,002 7.09%

American Family Home Ins Co 169,508 0.01% 13.68% 236,252 79,144 33.50%

American Family Ins Co 11,023,424 0.48% 14.16% 9,688,499 6,230,922 64.31%

American Home Assur Co 0 0% 14.16% 0 -22,171 0%

American Independent Ins Co 766,518 0.03% 14.19% 441,442 374,918 84.93%

American Mercury Ins Co 2,173,647 0.10% 14.29% 2,503,309 976,512 39.01%

American Modern Home Ins Co 819,649 0.04% 14.33% 836,756 376,088 44.95%

American Modern Select Ins Co 229,745 0.01% 14.34% 312,350 304,364 97.44%

American Natl Gen Ins Co 267,090 0.01% 14.35% 280,146 135,609 48.41%

American Natl Prop & Cas Co 3,031,476 0.13% 14.48% 2,921,503 1,631,029 55.83%

American Reliable Ins Co 3,741,247 0.16% 14.65% 3,934,841 1,848,670 46.98%

American Security Ins Co 613,340 0.03% 14.67% 675,466 520,324 77.03%

American Serv Ins Co Inc 0 0% 14.67% 0 -2,456 0%

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American Standard Ins Co Of OH 3,622,638 0.16% 14.83% 3,176,655 1,831,845 57.67%

American States Ins Co 160,352 0.01% 14.84% 179,622 208,939 116.32%

American States Ins Co Of TX 25,763 0.00% 14.84% 26,289 -3 -0.01%

American States Preferred Ins Co 21,178 0.00% 14.84% 24,099 23,917 99.24%

Ameriprise Ins Co 2,154,293 0.09% 14.94% 2,054,143 1,102,060 53.65%

Amex Assur Co 0 0% 14.94% 0 -1,348 0%

Amica Mut Ins Co 11,236,081 0.49% 15.43% 11,176,972 4,345,718 38.88%

Arrowood Ind Co 0 0% 15.43% 0 -700 0%

AssuranceAmerica Ins Co 3,835,999 0.17% 15.60% 4,143,440 2,037,522 49.17%

Auto Club S Ins Co 1,479,536 0.07% 15.66% 1,690,242 679,607 40.21%

Auto Owners Ins Co 15,852,577 0.70% 16.36% 15,982,056 8,027,578 50.23%

Automobile Ins Co Of Hartford CT 804,978 0.04% 16.40% 918,937 338,761 36.86%

Balboa Ins Co 0 0% 16.40% 0 -324 0%

Bankers Standard Ins Co 3,579,677 0.16% 16.55% 3,730,106 2,143,330 57.46%

Bristol W Ins Co 99,810 0.00% 16.56% 109,529 28,785 26.28%

California Cas Ind Exch 1,931,301 0.08% 16.64% 1,947,591 882,074 45.29%

Central Mut Ins Co 6,321,909 0.28% 16.92% 6,350,063 3,306,655 52.07%

Charter Ind Co 1,861,516 0.08% 17.00% 1,932,792 1,287,963 66.64%

Charter Oak Fire Ins Co 475,763 0.02% 17.02% 511,734 168,530 32.93%

Chartis Prop Cas Co 1,266,751 0.06% 17.08% 1,229,058 450,488 36.65%

Chicago Ins Co 0 0% 17.08% 0 -4,503 0%

Chubb Natl Ins Co 1,403,675 0.06% 17.14% 1,248,906 510,426 40.87%

Cincinnati Cas Co 0 0% 17.14% 0 172 0%

Cincinnati Ins Co 14,426,928 0.63% 17.78% 14,014,507 7,191,300 51.31%

Citizens Ins Co Of Amer 568,639 0.03% 17.80% 633,812 278,376 43.92%

Civic Prop & Cas Co 115,679 0.01% 17.81% 123,633 50,291 40.68%

Coast Natl Ins Co 2,457,525 0.11% 17.91% 2,453,066 1,538,456 62.72%

Commercial Alliance Ins Co 88,548 0.00% 17.92% 89,235 41,479 46.48%

Companion Prop & Cas Ins Co 172,223 0.01% 17.93% 137,370 149,289 108.68%

Continental Ins Co 0 0% 17.93% 0 -2,214 0%

Cornerstone Natl Ins Co 1,812,451 0.08% 18.01% 2,113,230 993,031 46.99%

Country Cas Ins Co 695,984 0.03% 18.04% 700,517 312,854 44.66%

Country Mut Ins Co 30,729,423 1.35% 19.39% 30,644,966 18,860,056 61.54%

Country Pref Ins Co 6,689,176 0.29% 19.68% 6,299,205 3,920,356 62.24%

Dairyland Ins Co 1,469,985 0.06% 19.75% 1,434,823 954,264 66.51%

Delta Fire & Cas Ins Co 910,364 0.04% 19.79% 1,102,535 85,093 7.72%

Depositors Ins Co 5,207,404 0.23% 20.02% 5,592,245 3,397,843 60.76%

Direct Gen Ins Co 4,717,420 0.21% 20.22% 5,201,269 3,002,284 57.72%

Drivers Ins Co 160,217 0.01% 20.23% 167,286 99,351 59.39%

Economy Premier Assur Co 1,752,535 0.08% 20.31% 1,929,412 513,560 26.62%

Electric Ins Co 1,179,537 0.05% 20.36% 1,202,182 356,301 29.64%

Encompass Ind Co 7,765,428 0.34% 20.70% 8,556,047 3,157,606 36.91%

Encompass Ins Co Of Amer 4,057,623 0.18% 20.88% 4,416,621 971,291 21.99%



Encompass Prop & Cas Co 1,209,906 0.05% 20.93% 1,395,857 521,490 37.36%

Equity Ins Co 2,201,486 0.10% 21.03% 2,008,940 1,075,579 53.54%

Essentia Ins Co 3,387,978 0.15% 21.18% 3,246,769 1,069,207 32.93%

Esurance Ins Co 1,360,822 0.06% 21.24% 1,471,831 1,086,740 73.84%

Esurance Prop & Cas Ins Co 6,317,601 0.28% 21.52% 5,490,887 4,487,054 81.72%

Ethio Amer Ins Co 0 0% 21.52% 0 -413 0%

Everest Security Ins Co 6,363,813 0.28% 21.80% 6,249,260 2,658,695 42.54%

Farmers Ins Exch 218,094 0.01% 21.80% 250,905 49,057 19.55%

Farmington Cas Co 0 0% 21.80% 0 -282 0%

Federal Ins Co 252,984 0.01% 21.82% 271,483 80,390 29.61%

Federated Natl Ins Co 36,014 0.00% 21.82% 55,444 67,466 121.68%

Firemans Fund Ins Co 1,097,254 0.05% 21.87% 1,168,608 719,574 61.58%

First Acceptance Ins Co Inc 41,400 0.00% 21.87% 45,784 22,736 49.66%

First Acceptance Ins Co of GA Inc 13,175,571 0.58% 22.45% 13,230,941 6,719,583 50.79%

First Liberty Ins Corp 852 0% 22.45% 800 61 7.63%

First Natl Ins Co Of Amer 521,614 0.02% 22.47% 588,108 149,798 25.47%

Foremost Ins Co Grand Rapids MI 4,338,952 0.19% 22.66% 3,918,444 3,052,149 77.89%

Foremost Signature Ins Co -3,390 0.00% 22.66% 21,686 10,495 48.40%

Garrison Prop & Cas Ins Co 21,671,037 0.95% 23.61% 20,776,530 13,277,750 63.91%

Geico Cas Co 792,668 0.03% 23.65% 888,224 308,014 34.68%

Geico Gen Ins Co 107,163,525 4.71% 28.36% 106,240,279 69,221,267 65.16%

Geico Ind Co 53,733,327 2.36% 30.72% 52,588,135 30,188,304 57.41%

General Ins Co Of Amer 180,305 0.01% 30.73% 199,208 81,591 40.96%

Generali Us Branch 0 0% 30.73% 0 -1,107 0%

Georgia Farm Bureau Cas Ins Co 1,270,003 0.06% 30.79% 1,475,524 500,867 33.95%

Georgia Farm Bureau Mut Ins Co 68,595,915 3.02% 33.81% 70,364,189 29,441,964 41.84%

Georgia Mut Ins Co 3,162,087 0.14% 33.94% 3,147,389 2,255,153 71.65%

Government Employees Ins Co 50,439,669 2.22% 36.16% 50,774,787 29,647,677 58.39%

Grange Ind Ins Co 302,027 0.01% 36.18% 232,847 90,491 38.86%

Grange Mut Cas Co 2,629,632 0.12% 36.29% 2,763,366 946,131 34.24%

Grange Prop & Cas Ins Co 7,465,574 0.33% 36.62% 7,197,043 3,448,714 47.92%

Great Amer Assur Co 474 0% 36.62% 336 -31,133 -9265.77%

Great Amer Ins Co 0 0% 36.62% 0 1 0%

Great Northern Ins Co 2,443,759 0.11% 36.73% 2,561,177 761,735 29.74%

Greenstar Ins Co 1,016,885 0.04% 36.77% 625,211 497,402 79.56%

Guideone Amer Ins Co 1,237,696 0.05% 36.83% 1,281,936 606,828 47.34%

Guideone Elite Ins Co 1,466,044 0.06% 36.89% 1,521,874 826,846 54.33%

Guideone Mut Ins Co 468,785 0.02% 36.91% 498,313 153,002 30.70%

Guideone Specialty Mut Ins Co 1,207,651 0.05% 36.96% 1,094,338 676,473 61.82%

Hallmark Ins Co 471,559 0.02% 36.99% 543,705 241,142 44.35%

Hallmark Natl Ins Co 20,892 0.00% 36.99% 27,356 12,790 46.75%

Hanover Ins Co 105,303 0.00% 36.99% 119,858 71,502 59.66%

Harleysville Preferred Ins Co 158,603 0.01% 37.00% 116,431 46,740 40.14%

Contacts

Personal Lines

Robyn Cline Ext116 [email protected]

Sandra Fowler Ext137 [email protected]

Elizabeth Moore Ext1024 [email protected]

Department Email

[email protected]

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Dwelling DP-3, DP-1, Vacant

Owner - Rental - Seasonal - Vacant

DP-3 Values $75,000 to $200,000 (age 60 years or newer)

DP-1 Values $40,000 to $150,000 (age 60 years or newer)

Vacant - for sale or with minimum renovations - $50,000 to $200,000

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Hartford Accident & Ind Co 1,109,366 0.05% 37.05% 996,457 543,864 54.58%

Hartford Cas Ins Co 233,035 0.01% 37.06% 247,512 55,782 22.54%

Hartford Fire In Co 165,221 0.01% 37.06% 181,215 31,150 17.19%

Hartford Ins Co Of The Midwest 3,823,612 0.17% 37.23% 4,038,333 1,642,349 40.67%

Hartford Ins Co Of The Southeast 4,933,356 0.22% 37.45% 4,423,883 3,044,552 68.82%

Hartford Underwriters Ins Co 1,287,539 0.06% 37.51% 1,432,685 451,951 31.55%

Haulers Ins Co Inc 705,146 0.03% 37.54% 628,659 365,428 58.13%

Horace Mann Ins Co 1,662,651 0.07% 37.61% 1,806,957 553,162 30.61%

Horace Mann Prop & Cas Ins Co 2,239,479 0.10% 37.71% 1,962,531 1,187,583 60.51%

IDS Prop Cas Ins Co 3,197,906 0.14% 37.85% 3,256,731 1,019,554 31.31%

Infinity Auto Ins Co 13,249,323 0.58% 38.43% 13,574,719 7,757,460 57.15%

Infinity Cas Ins Co 0 0% 38.43% 0 5,532 0%

Infinity Ins Co 952,726 0.04% 38.47% 1,621,567 877,637 54.12%

Infinity Reserve Ins Co 0 0% 38.47% 0 -311 0%

Infinity Safeguard Ins Co 1,478,027 0.07% 38.54% 1,387,193 1,030,369 74.28%

Infinity Security Ins Co 0 0% 38.54% 0 2,595 0%

Infinity Select Ins Co 3,261,298 0.14% 38.68% 2,128,132 1,352,784 63.57%

Infinity Standard Ins Co 0 0% 38.68% 0 11,641 0%

Insurance Co Of The State Of PA 0 0% 38.68% 0 -2,206 0%

Insurance Co of the South 27,645,247 1.22% 39.90% 26,908,389 1,251,818 4.65%

Insuremax Ins Co 356,437 0.02% 39.91% 363,070 235,588 64.89%

Integon Gen Ins Corp 27,463 0.00% 39.91% 31,238 14,073 45.05%

Integon Ind Corp 72,607 0.00% 39.92% 84,012 13,822 16.45%

Integon Natl Ins Co 2,847,708 0.13% 40.04% 3,365,447 2,236,755 66.46%

Ironshore Ind Inc 273,645 0.01% 40.06% 274,975 35,464 12.90%

Knightbrook Ins Co 2,392,746 0.11% 40.16% 2,280,333 1,724,116 75.61%

LM Gen Ins Co 22,887,594 1.01% 41.17% 14,483,892 8,155,159 56.31%

LM Ins Corp 1,498,096 0.07% 41.23% 1,023,661 560,148 54.72%

LM Prop & Cas Ins Co 0 0% 41.23% 0 -667 0%

Liberty Ins Corp 2,011,957 0.09% 41.32% 2,398,460 1,072,902 44.73%

Liberty Mut Fire Ins Co 68,942,145 3.03% 44.35% 75,318,810 32,160,952 42.70%

Liberty Mut Ins Co 0 0% 44.35% 0 439 0%

Lincoln Gen Ins Co -9,629 0.00% 44.35% -9,629 0 0%

Loya Ins Co 738,892 0.03% 44.39% 625,811 257,625 41.17%

MGA Ins Co Inc 1,548,833 0.07% 44.45% 1,505,767 741,130 49.22%

MIC Gen Ins Corp 816,953 0.04% 44.49% 893,233 407,239 45.59%

Main St Amer Assur Co 395,525 0.02% 44.51% 462,828 273,447 59.08%

Markel Amer Ins Co 130,521 0.01% 44.51% 137,236 62,867 45.81%

Massachusetts Bay Ins Co 440,940 0.02% 44.53% 492,986 191,916 38.93%

Mendakota Ins Co 174,436 0.01% 44.54% 187,637 82,868 44.16%

Mendota Ins Co 22,573 0.00% 44.54% 24,689 4,198 17.00%

Merastar Ins Co 1,916,915 0.08% 44.63% 1,972,808 535,763 27.16%

Mercury Ind Co Of GA 11,629,960 0.51% 45.14% 11,265,851 6,675,353 59.25%



Mercury Ins Co Of GA 189,497 0.01% 45.14% 203,143 11,018 5.42%

Meridian Security Ins Co 3,347,589 0.15% 45.29% 2,629,065 1,530,561 58.22%

Meritplan Ins Co 0 0% 45.29% 0 -9,928 0%

Metropolitan Cas Ins Co 6,832,937 0.30% 45.59% 6,830,010 2,498,384 36.58%

Metropolitan Drt Prop & Cas Ins Co 208,223 0.01% 45.60% 216,496 53,516 24.72%

Metropolitan Gen Ins Co 224,123 0.01% 45.61% 231,135 30,770 13.31%

Metropolitan Grp Prop & Cas Ins Co 15,354,026 0.68% 46.29% 14,556,938 5,526,837 37.97%

Metropolitan Prop & Cas Ins Co 2,795,374 0.12% 46.41% 2,930,255 801,474 27.35%

Mid Century Ins Co 180,844 0.01% 46.42% 68,580 42,520 62.00%

Middle Ga Mut Ins Co 229,033 0.01% 46.43% 101,597 30,108 29.63%

Middlesex Ins Co 21,644 0.00% 46.43% 30,326 -119 -0.39%

NGM Ins Co -722 0% 46.43% 2,259 -2,716 -120.23%

National Gen Assur Co 4,150,802 0.18% 46.61% 3,705,201 2,969,270 80.14%

National Gen Ins Co 1,251,370 0.06% 46.67% 1,316,108 779,487 59.23%

National Interstate Ins Co 455,564 0.02% 46.69% 495,829 490,357 98.90%

National Security Fire & Cas Co 0 0% 46.69% 0 -12,090 0%

National Union Fire Ins Co Of Pitts 0 0% 46.69% 0 100,376 0%

National Unity Ins Co 27,471 0.00% 46.69% 863 0 0%

Nationwide Affinity Co of Amer 26,032,202 1.14% 47.83% 22,732,626 18,481,413 81.30%

Nationwide Assur Co 114,619 0.01% 47.84% 127,194 47,613 37.43%

Nationwide Gen Ins Co 113,340 0.01% 47.84% 191,172 39,947 20.90%

Nationwide Ins Co Of Amer 60,237 0.00% 47.85% 65,776 19,440 29.55%

Nationwide Mut Fire Ins Co 18,802,786 0.83% 48.67% 20,194,442 6,563,181 32.50%

Nationwide Mut Ins Co 2,428 0.00% 48.67% 35,327 31,058 87.92%

Nationwide Prop & Cas Ins Co 19,267,178 0.85% 49.52% 20,705,042 11,219,976 54.19%

New Hampshire Ins Co 0 0% 49.52% 0 -535 0%

New South Ins Co 84,117 0.00% 49.52% 100,654 58,653 58.27%

Northbrook Ind Co 9,196,497 0.40% 49.93% 9,600,185 4,531,947 47.21%

Northern Ins Co Of NY 0 0% 49.93% -317 0 0%

Old Dominion Ins Co 106,258 0.00% 49.93% 123,904 31,581 25.49%

Omni Ind Co 2,151,850 0.09% 50.03% 2,011,591 1,240,578 61.67%

Omni Ins Co 101,532 0.00% 50.03% 129,477 64,195 49.58%

OneBeacon Ins Co 0 0% 50.03% 0 -72 0%

Owners Ins Co 29,520,948 1.30% 51.33% 28,809,036 14,728,537 51.12%

Pacific Ind Co 336,134 0.01% 51.34% 355,507 95,493 26.86%

Pacific Specialty Ins Co 74,243 0.00% 51.35% 81,953 74,807 91.28%

Patriot Gen Ins Co 695,213 0.03% 51.38% 748,852 328,608 43.88%

Peak Prop & Cas Ins Corp 778,079 0.03% 51.41% 825,166 329,531 39.94%

Peerless Ins Co 3,537,158 0.16% 51.57% 4,199,485 1,815,544 43.23%

Penn Millers Ins Co 0 0% 51.57% 184,342 -9,356 -5.08%

Pennsylvania Ins Co 0 0% 51.57% 0 -1,374 0%

Permanent Gen Assur Corp 2,037,016 0.09% 51.66% 1,887,076 1,047,763 55.52%

Permanent Gen Assur Corp Of OH 3,269,052 0.14% 51.80% 3,377,797 1,918,753 56.80%

www.underwritersinsider.com 9



Pharmacists Mut Ins Co 15,372 0.00% 51.80% 15,807 10,922 69.10%

Philadelphia Ind Ins Co 1,194,317 0.05% 51.85% 1,220,724 642,222 52.61%

Phoenix Ins Co 2,663,577 0.12% 51.97% 2,908,487 863,333 29.68%

Privilege Underwriters Recp Exch 385,368 0.02% 51.99% 241,981 179,908 74.35%

Progressive Advanced Ins Co 5,035,434 0.22% 52.21% 4,397,064 2,349,314 53.43%

Progressive Amer Ins Co 7,005,833 0.31% 52.52% 7,535,059 3,580,880 47.52%

Progressive Bayside Ins Co 7,242,143 0.32% 52.84% 7,834,034 4,097,423 52.30%

Progressive Cas Ins Co 0 0% 52.84% 0 -820 0%

Progressive Classic Ins Co 6,341,400 0.28% 53.12% 6,753,600 3,044,269 45.08%

Progressive Direct Ins Co 5,295,147 0.23% 53.35% 5,700,700 2,514,801 44.11%

Progressive Gulf Ins Co 339,052 0.01% 53.36% 784,775 328,049 41.80%

Progressive Max Ins Co 496,383 0.02% 53.39% 1,084,088 456,422 42.10%

Progressive Mountain Ins Co 137,303,845 6.04% 59.42% 136,186,987 81,173,717 59.60%

Progressive Northern Ins Co 5,176 0.00% 59.42% 16,385 639 3.90%

Progressive Northwestern Ins Co 0 0% 59.42% 0 -3,991 0%

Progressive Preferred Ins Co 0 0% 59.42% 0 -4,245 0%

Progressive Premier Ins Co Of IL 76,924,008 3.38% 62.81% 76,202,846 50,168,371 65.84%

Progressive Southeastern Ins Co 3,767,966 0.17% 62.97% 4,241,489 1,960,218 46.22%

Property & Cas Ins Co Of Hartford 855,820 0.04% 63.01% 956,530 395,182 41.31%

Providence Washington Ins Co 0 0% 63.01% 0 -2,848 0%

QBE Ins Corp 0 0% 63.01% 0 51 0%

Response Ins Co 182,137 0.01% 63.02% 230,934 198,819 86.09%

Response Worldwide Ins Co 343,855 0.02% 63.03% 390,985 116,490 29.79%

Safe Auto Ins Co 5,252,487 0.23% 63.26% 5,331,701 2,310,905 43.34%

Safeco Ins Co Of Amer 3,141,338 0.14% 63.40% 3,355,164 1,942,695 57.90%

Safeco Ins Co Of IL 7,240,313 0.32% 63.72% 5,653,771 2,632,974 46.57%

Safeco Ins Co Of IN 5,471,285 0.24% 63.96% 4,095,857 1,891,313 46.18%

Safeco Natl Ins Co 2,858,391 0.13% 64.09% 3,030,190 1,329,793 43.88%

Safeway Ins Co Of GA 16,325,764 0.72% 64.81% 15,707,234 8,864,180 56.43%

Sagamore Ins Co 2,744 0.00% 64.81% 3,582 1,116 31.16%

Santa Fe Auto Ins Co 759,191 0.03% 64.84% 913,094 425,652 46.62%

Security Natl Ins Co 0 0% 64.84% 0 157 0%

Select Ins Co 0 0% 64.84% 0 15 0%

Sentry Ins A Mut Co 232,402 0.01% 64.85% 344,102 28,070 8.16%

Southern Cas ns Co 217,236 0.01% 64.86% 267,000 137,896 51.65%

Southern Fire & Cas Co 24,239 0.00% 64.86% 30,991 17,171 55.41%

Southern Gen Ins Co 6,215,293 0.27% 65.13% 6,171,923 3,302,789 53.51%

Southern Ins Co Of VA 4,676,280 0.21% 65.34% 4,906,695 3,116,234 63.51%

Southern Mut Ins Co 2,442,600 0.11% 65.45% 2,259,896 966,943 42.79%

Southern Pilot Ins Co 2,629,235 0.12% 65.56% 3,198,315 1,477,160 46.19%

Southern Trust Ins Co 2,950,580 0.13% 65.69% 2,996,377 1,569,216 52.37%

Standard Fire Ins Co 4,139,667 0.18% 65.87% 4,726,218 1,604,529 33.95%

Star Cas Ins Co 217,079 0.01% 65.88% 215,150 145,827 67.78%

A FL 1021 0113 PO BOX 47000 ▪ Jacksonville, FL 32247-7000 ▪ Toll Free 800-874-1738 ▪ Fax 800-342-9156 ▪ http://preferredagent.assurant.com

American Reliable Insurance Company’s

New Georgia Motorcycle, ATV & UTV Program Now Available!

Enhancements

Direct Bill – Low down payments with 2-pay, 4-pay or 11-pay plans available (no EFT requirement)

Liability and Comp Only Coverage available Flexible Deductible Options - select comp & collision deductibles right for your

customer $3,000 Accessories Coverage included with purchase of OTC (Other Than Collision)

coverage Utility Vehicle Coverage (ex. Polaris Ranger, Yamaha Rhino) available

Discounts

Reliable Driver (clean driving record last 3 yrs) Paid in Full Discount Multi Policy riders with other Assurant or American Reliable policies qualify (mobile

home, flood, renters, boat, jet ski, commercial, health) Motorcycle Endorsement (riders with a motorcycle endorsement on drivers license) Homeowner (home, condo or mobile home owners) Prior Proof – Riders with prior proof of insurance within the last 12 months Motorcycle Association (i.e. HOG, Gold Wing, Christian Bikers) Theft Deterrent Device (LoJack, GPS, Audible Alarm) Tier Level Multi-Unit Discount Motorcycle Safety Course 10% (basic, intermediate or advanced license) Renewal Discount

For questions and new appointments, contact Blair Fox.

[email protected] 904-687-3155

U.S. Insurance Services

800-874-1738



State Auto Prop & Cas Ins Co 3,000,707 0.13% 66.02% 3,282,616 1,805,862 55.01%

State Automobile Mut Ins Co 576,224 0.03% 66.04% 617,273 291,977 47.30%

State Farm Fire & Cas Co 40,380,961 1.78% 67.82% 39,282,543 26,618,505 67.76%

State Farm Mut Auto Ins Co 461,253,506 20.29% 88.10% 460,817,815 257,164,173 55.81%

Stonewood Gen Ins Co 0 0% 88.10% 0 -2,300 0%

Stonewood Natl Ins Co 0 0% 88.10% 0 -1,978 0%

Teachers Ins Co 2,268,485 0.10% 88.20% 2,361,199 996,422 42.20%

Titan Ind Co 315,302 0.01% 88.22% 302,713 171,162 56.54%

Tokio Marine & Nichido Fire Ins Co 0 0% 88.22% 0 -667 0%

Travco Ins Co 1,845,270 0.08% 88.30% 2,061,825 691,821 33.55%

Travelers Commercial Ins Co 7,403,670 0.33% 88.62% 7,223,371 3,412,064 47.24%

Travelers Home & Marine Ins Co 36,000,835 1.58% 90.21% 35,961,331 19,023,589 52.90%

Travelers Ind Co 910,225 0.04% 90.25% 995,314 260,274 26.15%

Travelers Ind Co Of Amer 2,489,335 0.11% 90.35% 2,753,092 959,420 34.85%

Travelers Ind Co Of CT 0 0% 90.35% 0 -1 0%

Trinity Universal Ins Co 0 0% 90.35% 0 16 0%

Triumphe Cas Co 93,474 0.00% 90.36% 99,580 20,621 20.71%

Truck Ins Exch 325,060 0.01% 90.37% 352,926 166,317 47.13%

Trumbull Ins Co 0 0% 90.37% 0 -3,710 0%

Trustgard Ins Co 1,397,527 0.06% 90.43% 1,503,990 695,819 46.26%

Twin City Fire Ins Co Co 163,945 0.01% 90.44% 145,487 168,405 115.75%

USAA Cas Ins Co 66,026,028 2.90% 93.35% 65,416,587 31,344,770 47.92%

USAA Gen Ind Co 31,083,133 1.37% 94.71% 30,524,072 18,830,456 61.69%

United Automobile Ins Co 4,160,269 0.18% 94.90% 3,988,245 1,847,293 46.32%

United Serv Automobile Assn 89,366,124 3.93% 98.83% 89,195,864 45,982,647 51.55%

United States Liab Ins Co 15,064 0.00% 98.83% 7,770 7,955 102.38%

Unitrin Auto & Home Ins Co 2,373,954 0.10% 98.93% 2,393,845 1,494,749 62.44%

Unitrin Direct Prop & Cas Co 913,004 0.04% 98.97% 940,236 518,634 55.16%

Victoria Fire & Cas Co 84,113 0.00% 98.97% 106,367 48,965 46.03%

Victoria Select Ins Co 1,566,746 0.07% 99.04% 1,640,590 799,518 48.73%

Victoria Specialty Ins Co 843,482 0.04% 99.08% 776,193 555,123 71.52%

Vigilant Ins Co 190,856 0.01% 99.09% 203,858 72,021 35.33%

Voyager Ind Ins Co 19,983,963 0.88% 99.97% 19,076,248 1,548,335 8.12%

Waco Fire & Cas Ins Co 230,523 0.01% 99.98% 279,548 164,828 58.96%

Warner Ins Co 64,134 0.00% 99.98% 71,636 63,981 89.31%

West Amer Ins Co 0 0% 99.98% 0 341 0%

Western Gen Ins Co -751 0% 99.98% -387 0 0%

Workmens Auto Ins Co 270,391 0.01% 99.99% 94,754 108,929 114.96%

Yosemite Ins Co 167,720 0.01% 100% 162,535 7,551 4.65%

Zurich Amer Ins Co 0 0% 100% 0 1,133 0%

295 Companies in Report 2,273,835,554 100% 100% 2,265,188,781 1,172,638,697 51.77%



Wayne,

Enjoyed visiting with you by phone earlier this week. As I remember you asked about contracts with Companies. This is one that may interest you.

____ is a company that only sells property insurance in a few states but the market being what it is and no mention ever made regarding production we joined them two years ago. Earlier this year they threatened us with termination for lack of production. I protested that we had never been told they expected five applications per month and the relented and we agreed to step up production.

A few weeks ago in an effort to produce more business for them we appointed a member of another agency in another town. We did not appoint the agency but one of the agents. They began submitting business and I felt we were doing a good job until I receive a message that the company had received a call from the agent and the company’s caller ID referenced another agency.

I readily admitted, yes, we appointed this agent but not his agency. When I was told we could not do this, I asked how to resolve the problem. I knew we needed to terminate the agent but what about his business? I was informed I was being terminated for this action. I objected to no good.

When I review the contract Item C Page 2 of paragraph C states:

Without prior consent. You have no authority to, and agree that You will not:

a. Grant binding authority to, or accept business subject to this Agreement from, anyone other than Your duly licensed and appointed employees.

Actually, we have no employees in our agency as we are small. We submitted contracting for this agent and the company approved the appointment. I never thought that we were doing anything wrong. If I had been accepting business from this agent and submitting from our agency, it appears we would have been legal by the company’s standards.

Now that we are being terminated without any chance to correct our mistake. The Georgia representative is going to the producer we had appointed and she is appointing his agency to represent the company. If the appointment of this agent is processed by the company, I am considering seeking a legal opinion as to the legality of the way this matter was handled.

Feel free to share this information with your reader so maybe another agent will not be caught as I was.

Regards,

Broker in more ways than one

Hi, Broker.

This is common contract wording in the P&C business; almost all of them do not allow you to use a broker agent. This contract refers to employees, and specifically prohibits you from brokering business. (I know that in the life industry it is common, but the P&C business worries about fraud and accuracy on applications.)

I would not sue them if you signed this contract as it will just cost you more money. I agree appointing the agent down the street is rotten, but they are thinking with an "agent of record" letter they can terminate you yet maintain the business on the books.

You are also prohibited from showing this contract or the underwriting guide to outside parties even after termination. I will not use any names when comparing features in contract wording by carriers. This is a contract written by the company for the company. It is an example that I was looking for.

In my previous life as the Marketing Rep., my agents usually signed my contracts without reading them. Did you read this before signing?

Things which are obvious but widely ignored:

Who owns the business?

Is this a contract between the agent (agency) and the company or a contract between a broker and an agent or MGA? This also speaks to the ownership of the business.

If the relationship fails what are the rules for the run off and the commissions? Are they enforceable?

Is the agent or the agency personally financially responsible for the handling of the company's premium due? Some of these contracts cut through corporate protection to make the owner financially responsible.

Always remember the contract was written by the company's lawyer for the company's benefit!

Wayne Hooper - Editor for the FYI EXPRESS

[email protected]

Cell # 678-296-6345

The Fine Print

FYI Express is looking for examples of contracts and termination letters for next month’s cover story … “The Fine Print”.

Please fax them to Eddie at (770) 783-8226.

I have yet to betray a confidence.

eke

mailto:[email protected]



Applicant Screening & Access to Social Media Pages Q&A

By Robin Thomas, Managing Editor

Social media sites contain all sorts of interesting information about your applicants that might be relevant to the hiring process. But, should you require potential employees to provide access to their private social media accounts?

Q: We would like to look at applicants’ Facebook and other social media pages as part of our hiring process. Can we do this? Should we?

A: You certainly are not alone in wanting to check up on your applicants’ use of social media. A 2012 survey from CareerBuilder found that 37% of responding employers use social networking sites to research job candidates. According to the survey, most employers check social media to see if candidates present themselves professionally (65%), while 51% check to see if the applicant will be a good fit for their corporate culture. Forty-five percent indicated they were looking for more information about the candidate’s qualifications, and 35% want to see if their applicants are well-rounded. Only 12% admitted they were looking for “reasons not to hire” the candidate. (Download free Use of Communication Systems and Social Media model policy including HR best practices and legal background.)

However, checking an applicant’s social media may be a little risky, especially if you go beyond public searches and request an applicant’s password to access their private pages, for example on Facebook. Although no federal law addresses asking applicants for their social media passwords, at least five states (California, Illinois, Maryland, Michigan, and Utah) specifically prohibit employers from requiring applicants and employees to provide their social network passwords or to display private portions of their social networking pages to employers. The laws generally do allow employers to check information that is available in the public domain of the Internet and social media sites. Several other states also are considering similar legislation, and both the House of Representatives and the Senate have introduced federal privacy protections for applicants’ and employees’ social media sites.

In addition, most applicants will view a request for access to their protected social media pages as an intrusion into their private lives and some may even withdraw their application because of the request. And, Facebook now makes the solicitation of another person’s Facebook password a violation of the terms and conditions of use of the social networking site. So, clearly it is prudent to limit any search of social media sites to information in the public domain.

Even if you are searching only for information that is publically available on the Internet, you also should be aware of other potential problems that can arise from material you find online. For example, you may find out about an applicant’s membership in protected classes that could lead to a discrimination claim if you do not hire the individual. While protected classes such as race and sex may be evident in a face-to-face interview, other protected classes such as disability, national origin, and sexual orientation (protected under many state discrimination laws) may not be. Further, if you do not hire someone because of their participation in a legal off-duty activity, their political views, or the fact that they smoke, you could be violating state laws prohibiting basing employment decisions on these actions.

In spite of these potential risks, many employers still find the Internet a valuable resource for researching applicants. The CareerBuilder survey indicates that employers discovered both positive and negative information about candidates on the Internet that affected their hiring decisions. Thirty-four percent of the hiring managers surveyed indicated that negative information they found on social media about a candidate resulted in a decision not to hire. The most damaging applicant postings indicated provocative or inappropriate behavior, poor communication skills, and bad-mouthing their employers. However, 29% discovered positive information on the social media sites that led to a job offer, including that the sites supported the applicant’s professional credentials and qualifications. (You can find the CareerBuilder social media use to vet candidates survey online at http://thehiringsite.careerbuilder.com/2012/04/20/what-are-employers-seeking-and-finding-out-about-candidates-through-social-media)

So, if you are going to check out your candidates online, you should follow these five simple rules: 1. Notify your applicants that you will be investigating them on publically accessible Internet and social media sites and get their permission to do so. 2. Look only at information posted publically. Do not ask for personal passwords or try to “friend” a candidate surreptitiously. 3. If you use an outside party to conduct the research, make sure you are following the Fair Credit Reporting Act’s (FCRA) comprehensive notice, consent, and disclosure obligations both prior to doing the checks and after the results of the checks are reported. (As a reminder, the FCRA applies whenever you use outside agencies to perform credit or other background checks (including criminal, reference, or driving record checks) on your candidates and employees.)

Continued on page 36

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Applicant Screening & Access to Social Media Pages Q&A

Continued from page 34

4. If you discover information about an applicant’s protected class or legally protected activities, make sure you do not use that information as part of your decision-making process. For example, do not provide this type of information to hiring managers. Any information from social media that you consider should be job-related and business-related only. 5. Document your search and include the information in the applicant’s file. You want to be able to show that any inappropriate information was not considered in the hiring process.

Content for your HR Matters E-Tips newsletter is developed from our flagship publication, the HR Matters Tools and Resource Center, featuring the Personnel Policy Manual System (PPMS). See how it works.

Subscribers to the PPMS and HR Policy Answers on CD can find more information about social media password protection laws in Use of Communication Systems and Social Media, Chapter 805, note 19.

If you don't have access to the PPMS, but would like to have a free, no-obligation 14-day review, go to:

www.ppspublishers.com/ppm-ez.htm

Or just give us a call at 1-800-437-3735.

YOU CAN TRUST PPS Information provided in HR Matters E-Tips is researched and reviewed by the HR experts at Personnel Policy Service as well as employment law attorneys. However, it is not intended as legal advice. Readers are encouraged to seek appropriate legal or other professional advice.

Interested in using an article from HR Matters E-Tips on your Web site or in a newsletter? Please contact Robin Thomas, Managing Editor of Personnel Policy Service, Inc., to request permission. You can contact her by email at

[email protected].

Please note that the information in every issue of HR Matters E-Tips is the original, copyrighted work of Personnel Policy Service, Inc., and is protected under U.S. copyright laws. As such, you may not reprint or publish in any format any article or portion of article from HR Matters E- Tips without the express permission of Personnel Policy Service, Inc. Remember, too, we encourage you to pass along any issue of the E-Tips by forwarding it to friends and colleagues.

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Addressing behavior and performance issues

"Any time you sincerely want to make a change, the first thing you must do is to raise your standards." - Anthony Robbins

I believe that almost all employees want to do a good job. And for the most part, they do. Even so, we do from time to time end up with someone who isn't meeting our expectations. Here are several ways I see managers and owners address that issue.

* Never say anything to the employee, but silently become more and more frustrated. Nothing like a resentment to turn around an employee's performance! The employee thinks he's doing fine, but his manager is getting an ulcer. People aren't mind readers. Managers have to say something if they're going to improve someone's performance.

* Complain to others about the employee, but never say anything to the person him/herself. Hey, at least they're talking about it! Too bad it's to the wrong people. I'm sure the manager's spouse, friends, or even his/her dog or cat would appreciate it if the manger stopped talking to them and started actually doing something about the employee.

* Say something to the employee, but sugarcoat it so much the employee thinks they're doing okay. This happened to me once. When I was in college I was working full-time, going to school full-time, and partying full-time. I was a very busy guy. When my store manager was transferred I was sure I was going to be promoted. When I went in for what I thought was an interview I got fired. Let me tell you, that was a shock! The manager tried to say that he told me my job was in jeopardy, but if he did he so sugarcoated it I never heard what I needed to hear.

The only way to truly address an employee issue is this.

* Meet one-on-one with the employee, and be direct and tactful about his/her behavior or performance. People deserve to hear when they're failing to meet their manager's expectations. They also have the right to know the consequences for failing to change or improve.

Sure, you might be uncomfortable having this conversation, but the alternatives simply don't work. Most people who struggle to have these kinds of sit-downs hate confrontation. Well, it's not confrontation. It's not about the person at all. It's about his/her behaviors, actions, or performance that are falling short of what's required in the job. By meeting and working with the person you're (hopefully) going to be able to help her improve so she's able to continue in the role.

But remember, there is a difference between

addressing a behavioral issue or one that is about job performance.

A sales or service performance issue does require some time to improve. Chances are the employee needs some additional time and training to be able to get his/her performance to the level that's required. In that case it might make sense to give the employee 30-60 days to turn it around.

A behavior issue is different. The employee should be expected to change his/her behaviors immediately. If he doesn't, he should be on the fast track to a new job somewhere else.

Too often managers aren't willing to draw that line in the sand. Or they do, but then keep redrawing it further out. I once met a retailer who cut an employee's hours because she was so miserable to customers and colleagues. Great. Now she only hurt the store ten hours a week instead of twenty!

Another storeowner I know gave an employee thirty days to quit being rude. She should have been given thirty seconds, if that. Expect people with behavioral issues to change immediately, and if they don't they should be gone. You might need to document and follow a process, but that doesn't require a certain amount of time. It requires action on your part.

So let me ask, in which one of these do you see yourself? The good news is that any manager can learn to be direct and tactful. It just requires taking action, and maybe putting yourself in an uncomfortable situation.

Doug

By the way, if you struggle to be direct and tactful with your staff you might consider joining the Extraordinary Coach program the next time I offer it. I've helped hundreds of owners and managers not only become comfortable in addressing employee issues, but by becoming better coaches they can often avoid needing to have these meetings altogether.

- Doug

About Doug Fleener: Doug Fleener, the former director of retail for Bose Corporation, has over 25 years of hands-on experience with world-class companies including Bose Corporation and The Sharper Image. He has also owned and operated his own specialty stores. Doug is now president and managing partner for Dynamic Experiences Group LLC, a proven business and customer experience consulting firm based in Lexington, MA. Learn more at www.DynamicExperiencesGroup.com, or call 866-535-6331.

http://www.dynamicexperiencesgroup.com/



Good afternoon, Eddie

As you may already be aware, a former Velox Insurance employee, Pablo Navas, was arrested yesterday. This individual acted outside the scope of his authority and he was terminated as soon as we found out. We discovered that Navas pocketed one payment and he was fired immediately on May 11th. The following business day we found more customers affected by his acts, and we called the insurance department and the police in order to prosecute him. We have since discovered more cases, and we are diligently working with the investigators. Velox Insurance has been committing and will continue to commit its resources and efforts towards the goal of reimbursing customers who made payments which Navas did not apply to the company.

This unfortunate situation is the act of an individual and it does not by any means reflect on Velox Insurance. Running Velox Insurance with integrity and protecting our customers is our top priority. We were proactive in resolving this situation as soon as we found out, and we took measures internally and externally to prevent this from happening again and to bring this individual to justice.

Regards,

Leo Robayo

President

O: 770-293-0623

F: 866-763-6072

1-855-Go-Velox

www.veloxinsurance.com

Hi, Leo.

I’ve been in the insurance business for 37 years and have met hundreds of agency owners.

I don’t think I have ever met even one who hasn’t had an employee steal.

More often than not, the thief goes on to work for another agency with no repercussions.

You are to be commended for your quick actions.

Please be my guest at Insurance Expo 2013.

I want to shake your hand and personally thank you for setting the bar a little higher for all insurance agents.

Eddie

INSURANCE EXPO 2013 “Rebooting Insurance Offices!”

July 11 – 13, 2013

Sonesta Gwinnett Place in Duluth, GA

Rooms only $94.00 if reserved by June 27th

https://gc.synxis.com/rez.aspx?Hotel=58939&Chain=5157&arrive=7/11/2013&depart=7/14/2013&adult=1&child=0&group=0709INEXAC

Attention: Insurance Companies, MGA’s, Premium Finance Companies & Insurance Industry Vendors:

Check out the rates for the most cost effective method of keeping your message in front of your customers …

The Independent Insurance Agent.

Ad Size Monthly Pre-Pay 6 Issues

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Questions? Contact Eddie K. Emmett at [email protected] UUHH or (770) 312-2342.

http://www.veloxinsurance.com/





NEWS R E L E A S E

For Immediate Release Contact: Glenn Allen May 30, 2013 404-463-0729 [email protected]

Twitter: @GA_DOI

HUDGENS: FORMER INSURANCE AGENT ARRESTED FOR FRAUD

Atlanta – Insurance Commissioner Ralph Hudgens announced today that an investigation

by his office has resulted in a former Cobb County insurance agent being arrested on

insurance fraud charges.

Juan Pablo Navas, 30, of Mableton, has been charged with six counts of insurance

fraud, three counts of financial transaction card fraud and four counts of forgery for

allegedly keeping premiums paid to him for insurance coverage. Navas was arrested this

morning in Cobb County and transported to the Gwinnett County Jail for booking.

Commissioner Hudgens said Navas was working for Velox Insurance Agency located

at 5261 Buford Highway, Norcross, Ga., at the time the alleged crimes occurred.

Numerous clients of the agency complained that they were getting cancellation notices

from their insurers, claiming lack of payment for automobile policies and workers’

compensation coverage though the clients had paid their premiums directly to Navas and

received paperwork verifying coverage.

“Our investigation has turned up numerous victims of this scam and we expect for

additional charges to be filed,” Commissioner Hudgens said. “Velox Insurance has made

good on all the missing payments, so their clients now have the coverage they paid for.”

Hudgens urges anyone who believes they have purchased insurance from Navas, to

contact his Consumer Services Division at 404-656-2070. Hudgens will also have staff at

Velox Insurance on June 3-4 from 10 a.m. until 7 p.m. to meet with Velox clients with

questions about this investigation.

Insurance fraud is a felony with a penalty of two to 10 years in prison and/or a fine

of up to $10,000.

RALPH T. HUDGENS COMMISSIONER OF INSURANCE

SAFETY FIRE COMMISSIONER

INDUSTRIAL LOAN COMMISSIONER

Seventh Floor, West Tower

2 Martin Luther King Jr. Dr.

Atlanta, Georgia 30334 www.oci.ga.gov



Wayne Hooper Reports: The Best Barbecue (barbeque) or BBQ Restaurants in Georgia per an FYI survey

By Wayne Hooper

by Wayne Hooper

The seed for this article came from a conversation with several marketing people during a break at a recent Georgia / South Carolina agent's convention. One of the reps suggested I survey the marketing Rep.'s and agents for their favorite BBQ restaurants. Obviously, whole books and TV shows work on this subject, so I asked about their favorite "pork" BBQ places. My initial list is at the end of this article. I eliminated many good neighborhood favorites simply because they were not outstanding. This is a never ending list so if you have a favorite you want to add, please send the information to [email protected] to share with our readers.

Barbecue as defined in Wikipedia

Most etymologists believe that barbecue derives from the word barabicu found in the language of the Taíno people of the Caribbean and the Timucua of Florida, and entered European languages in the form barbacoa. The word translates as "sacred fire pit."

[1] The word describes

a grill for cooking meat, consisting of a wooden platform resting on sticks.

Traditional barbacoa involves digging a hole in the ground and placing some meat (usually a whole goat) with a pot underneath it, so that the juices can make a hearty broth. It is then covered with maguey leaves and coal and set alight. The cooking process takes a few hours.

It has been suggested that both the word and cooking technique migrated out of the Caribbean and into other languages and cultures, with the word (barbacoa) moving from Caribbean dialects into Spanish, then Portuguese, French, and English. The Oxford English Dictionary cites the first recorded use of the word in the English language as a verb in 1661, in Edmund Hickeringill's Jamaca Viewed: "Some are slain,

And their flesh forthwith Barbacu'd and eat." It also appears as a verb in the published writings of John Lederer, following his travels in the American southeast in 1672.

[2] The first known use of the word as a noun was

in 1697 by the British buccaneer William Dampier. In his New Voyage Round the World, Dampier writes: And lay there all night, upon our Borbecu's, or frames of Sticks, raised about 3-foot (0.91 m) from the Ground.

Samuel Johnson's 1756 dictionary gave the following definitions:

[3]

"To Barbecue – a term for dressing a whole hog" (attestation to Pope)

"Barbecue – a hog dressed whole"

While the standard modern English spelling of the word is barbecue, local variations like barbeque and truncations such as bar-b-q or bbq may also be found.

[4]

The spelling barbeque is given in Merriam-Webster OnLine as a variant spelling,

[5] while the Oxford English

Dictionary states that barbecue is "often misspelled as barbeque".

[6]

In the southeastern United States, the word barbecue is used predominantly as a noun referring to roast pork, while in the southwestern states cuts of beef are often cooked.

[7]

Styles

Main article: Regional variations of barbecue

A British Asian style halal barbecue including chicken kebabs, marinated chicken wings, sweetcorn and assortment of vegetables.

In British usage, barbecuing refers to a fast cooking process directly over high heat, while grilling refers to cooking under a source of direct, high heat—known in the United States and Canada as broiling. In American English usage, however, grilling refers to a fast process over high heat, while barbecuing refers to a slow process using indirect heat and/or hot smoke (very similar to some forms of roasting). For example, in a typical U.S. home grill, food is cooked on a grate directly over hot charcoal, while in a U.S. barbecue, the coals are dispersed to the sides or at significant distance from the grate. Its South American versions are the southern Brazilian churrasco and the Argentine asado.


http://en.wikipedia.org/wiki/Etymology

http://en.wikipedia.org/wiki/Ta%C3%ADno_people

http://en.wikipedia.org/wiki/Caribbean

http://en.wikipedia.org/wiki/Timucua

http://en.wikipedia.org/wiki/Florida

http://en.wikipedia.org/wiki/Barbacoa

http://en.wikipedia.org/wiki/Barbecue#cite_note-1

http://en.wikipedia.org/wiki/Goat

http://en.wikipedia.org/wiki/Agave_americana

http://en.wikipedia.org/wiki/Spanish_language

http://en.wikipedia.org/wiki/Portuguese_language

http://en.wikipedia.org/wiki/French_language

http://en.wikipedia.org/wiki/English_language

http://en.wikipedia.org/wiki/Oxford_English_Dictionary

http://en.wikipedia.org/wiki/Edmund_Hickeringill

http://en.wikipedia.org/wiki/John_Lederer

http://en.wikipedia.org/wiki/John_Lederer


http://en.wikipedia.org/wiki/William_Dampier

http://en.wikipedia.org/wiki/Samuel_Johnson


http://en.wikipedia.org/wiki/Pig


http://en.wikipedia.org/wiki/Merriam-Webster





http://en.wikipedia.org/wiki/Pork

http://en.wikipedia.org/wiki/Beef


http://en.wikipedia.org/wiki/Regional_variations_of_barbecue

http://en.wikipedia.org/wiki/File:British_Barbecue.jpg

http://en.wikipedia.org/wiki/British_Asian

http://en.wikipedia.org/wiki/Halal

http://en.wikipedia.org/wiki/Chicken

http://en.wikipedia.org/wiki/Marinated

http://en.wikipedia.org/wiki/Chicken_wings

http://en.wikipedia.org/wiki/Sweetcorn

http://en.wikipedia.org/wiki/Vegetables

http://en.wikipedia.org/wiki/British_English

http://en.wikipedia.org/wiki/Broiling

http://en.wikipedia.org/wiki/American_English

http://en.wikipedia.org/wiki/American_English

http://en.wikipedia.org/wiki/Roasting

http://en.wikipedia.org/wiki/Brazil

http://en.wikipedia.org/wiki/Churrasco

http://en.wikipedia.org/wiki/Argentina

http://en.wikipedia.org/wiki/Asado



Alternatively, an apparatus called a smoker with a separate fire box may be used. Hot smoke is drawn past the meat by convection for very slow cooking. This is essentially how barbecue is cooked in most U.S. "barbecue" restaurants, but nevertheless, many consider this to be a distinct cooking process called hot smoking.

American South and Midwest

Chicken wings being cooked slowly over charcoal ashes

A barbecued pig

Main article: Barbecue in the United States

In the southern United States, barbecue initially revolved around the cooking of pork.

[8] During the 19th

century, pigs were a low-maintenance food source that could be released to forage for themselves in forests and woodlands. When food or meat supplies were low, these semi-wild pigs could then be caught and eaten.

[9]

It was the Spanish who first introduced the pig into the Americas and to the American Indians. The Indians, in turn, introduced the Spanish to the concept of true slow cooking with smoke. The Spanish colonists came to South Carolina in the early 16th century and settled at Santa Elena. It was in that early American colony that Europeans first learned to prepare and to eat "real" barbecue.

[10]

According to estimates, prior to the American Civil War, Southerners ate around five pounds of pork for every one pound of beef they consumed.

[11] Because of

the poverty of the southern United States at this time, every part of the pig was eaten immediately or saved for later (including the ears, feet, and other organs).

Because of the effort to capture and cook these wild hogs, pig slaughtering became a time for celebration, and the neighborhood would be invited to share in the largesse.

[9] In Cajun culture, these are called

boucheries.] These feasts are sometimes called 'pig

pickin's.' The traditional Southern barbecue grew out of these gatherings.

[9]

Each Southern locale has its own particular variety of barbecue, particularly concerning the sauce. North Carolina sauces vary by region; eastern North Carolina uses a vinegar-based sauce, the center of the state enjoys Lexington-style barbecue, which uses a combination of ketchup and vinegar as their base, and western North Carolina uses a heavier ketchup base. Lexington boasts of being "The Barbecue Capital of the World" and it has more than one BBQ restaurant per 1,000 residents.

] South Carolina is the only state that

includes all four recognized barbecue sauces, including mustard-based, vinegar-based, and light and heavy tomato-based.

[10] Memphis barbecue is best known for

tomato- and vinegar-based sauces.[12]

In some Memphis establishments

[12] and in Kentucky, meat is rubbed with

dry seasoning (dry rubs) and smoked over hickory wood without sauce; the finished barbecue is then served with barbecue sauce on the side.

The barbecue of Alabama, Georgia, and Tennessee is almost always pork served with a sweet tomato-based sauce. However, several regional variations exist as well. Alabama is particularly known for its distinctive white sauce, a mayonnaise- and vinegar-based sauce, originating in northern Alabama, used predominantly on chicken and pork. A popular item in North Carolina and Memphis is the pulled pork sandwich served on a bun and often topped with coleslaw. Pulled pork is prepared by shredding the pork after it has been barbecued.

Kansas City-style barbecue is characterized by its use of different types of meat (including pulled pork, pork ribs, burnt ends, smoked sausage, beef brisket, beef ribs, smoked/grilled chicken, smoked turkey, and sometimes fish), a variety attributable to Kansas City's history as a center for meat packing in the U.S. Hickory is the primary wood used for smoking in KC, while the sauces are typically tomato based with sweet, spicy and tangy flavor profiles. Burnt ends, the flavorful pieces of meat cut from the ends of a smoked beef or pork brisket, are popular in many Kansas City-area barbecue restaurants.

[citation needed]

Pit-beef prevails in Maryland and is often enjoyed at large outdoor "bull roasts", which are common for club or association fundraising events. Maryland-style pit-beef is not the product of barbecue cookery in the strictest sense, as there is no smoking of the meat involved; rather, it involves grilling the meat over a high heat. The meat is typically served rare, with a strong horseradish sauce as the preferred condiment.

[13]

Continued on page 42

http://en.wikipedia.org/wiki/Smoking_(cooking_technique)#Types

http://en.wikipedia.org/wiki/File:Bbq_chicken_wings.JPG

http://en.wikipedia.org/wiki/File:Pig_Pickin_in_NC.jpg

http://en.wikipedia.org/wiki/Barbecue_in_the_United_States


http://en.wikipedia.org/wiki/Barbecue#cite_note-American_Studies_website-9

http://en.wikipedia.org/wiki/Conquistador

http://en.wikipedia.org/wiki/Indigenous_people_of_the_Americas

http://en.wikipedia.org/wiki/Smoking_(cooking)

http://en.wikipedia.org/wiki/South_Carolina

http://en.wikipedia.org/wiki/Mission_Santa_Elena

http://en.wikipedia.org/wiki/Barbecue#cite_note-Scbarbeque.com-10

http://en.wikipedia.org/wiki/American_Civil_War

http://en.wikipedia.org/wiki/American_Civil_War


http://en.wikipedia.org/wiki/Pig%27s_ear_(food)

http://en.wikipedia.org/wiki/Pig%27s_feet


http://en.wikipedia.org/wiki/Cajun

http://en.wikipedia.org/wiki/Pig_pickin%27

http://en.wikipedia.org/wiki/Pig_pickin%27


http://en.wikipedia.org/wiki/Regional_variations_of_barbecue

http://en.wikipedia.org/wiki/North_Carolina

http://en.wikipedia.org/wiki/North_Carolina

http://en.wikipedia.org/wiki/Vinegar

http://en.wikipedia.org/wiki/Lexington_Barbecue_Festival

http://en.wikipedia.org/wiki/Ketchup

http://en.wikipedia.org/wiki/South_Carolina

http://en.wikipedia.org/wiki/Mustard_(condiment)

http://en.wikipedia.org/wiki/Barbecue#cite_note-Scbarbeque.com-10

http://en.wikipedia.org/wiki/Memphis-style_barbecue

http://en.wikipedia.org/wiki/Barbecue#cite_note-Memphis-12

http://en.wikipedia.org/wiki/Barbecue#cite_note-Memphis-12

http://en.wikipedia.org/wiki/Spice_rub

http://en.wikipedia.org/wiki/Smoking_(cooking)

http://en.wikipedia.org/wiki/Hickory

http://en.wikipedia.org/wiki/Alabama

http://en.wikipedia.org/wiki/Georgia_(U.S._state)

http://en.wikipedia.org/wiki/Tennessee

http://en.wikipedia.org/wiki/Pulled_pork

http://en.wikipedia.org/wiki/Coleslaw

http://en.wikipedia.org/wiki/Kansas_City-style_barbecue

http://en.wikipedia.org/wiki/Sausage

http://en.wikipedia.org/wiki/Burnt_ends

http://en.wikipedia.org/wiki/Wikipedia:Citation_needed

http://en.wikipedia.org/wiki/Maryland

http://en.wikipedia.org/wiki/Horseradish




The state of Kentucky, particularly Western Kentucky, is unusual in its barbecue cooking, in that the preferred meat is mutton. This kind of mutton barbecue is often used in communal events in Kentucky, such as political rallies, county fairs and church fund-raising events.

In much of the world outside of the American South, barbecue has a close association with Texas. Many barbecue restaurants outside the United States claim to serve "Texas barbecue", regardless of the style they actually serve. Texas barbecue is often assumed to be primarily beef. This assumption, along with the inclusive term "Texas barbecue", is an oversimplification. Texas has four main styles, all with different flavors, different cooking methods, different ingredients, and different cultural origins.

In the midwest, Chicago-style is popular and involves seasoning the meat with a dry rub, searing over a hot grill and a long slow cook in an oven. The meat, typically ribs, are then finished with a sweet-tangy sauce.

Events and gatherings

Diagram of a propane smoker used for barbecuing

The word barbecue is also used to refer to a social gathering where food is served, usually outdoors in the late afternoon or evening. In the southern United States, outdoor gatherings are not typically called "barbecues" unless barbecue itself will actually be on the menu, instead generally favoring the word "cookouts". The device used for cooking at a barbecue is commonly referred to as a "barbecue", "barbecue grill", or "grill". In North Carolina, however, "barbecue" is a noun primarily referring to the food and never used by native North Carolinians to describe the act of cooking or the device on which the meat is cooked.

[14]

Often referred to as "The World Series of Barbecue", The American Royal Barbecue Contest

[15] is

held each October in Kansas City, Missouri. This event comprises two distinct competitions held over the course of four days. The first contest is the Invitational Contest, with competing teams being required to obtain an invitation by winning other qualifying contests throughout the year. The second competition is an open contest that any team can compete in. This open contest is the largest championship barbecue competition in the world, with the 2007 event attracting 496 teams.

The World Championship Barbecue Cooking Contest is held annually in Memphis, Tennessee, during the Memphis in May festival.

[16] According to the

Guinness Book of World Records, it is the world's largest pork barbecue contest.

[17]

Other barbecue competitions are held in virtually every state in the United States during the warmer months, usually beginning in April and going through September. These events feature keen competitions between teams of cooks and are divided into separate competitions for the best pork, beef and poultry barbecue and for the best barbecue sauces.

Techniques

Barbecuing encompasses four or five distinct types of cooking techniques. The original technique is cooking using smoke at lower temperatures (usually around 240–270 °F or 115–125 °C) and significantly longer cooking times (several hours), known as smoking. Another technique is baking, utilizing a masonry oven or any other type of baking oven, which uses convection to cook meats and starches with moderate temperatures for an average cooking time (about an hour plus a few extra minutes). Yet another technique is braising, which combines direct dry heat charbroiling on a ribbed surface with a broth-filled pot for moist heat, cooking at various speeds throughout the duration (starting fast, slowing down, then speeding up again, lasting for a few hours). Finally, grilling is done over direct dry heat, usually over a hot fire (i.e., over 500 °F (260 °C)) for a short time (minutes). Grilling may be done over wood, charcoal, gas (natural gas or propane), or electricity.

http://en.wikipedia.org/wiki/Kentucky

http://en.wikipedia.org/wiki/Mutton

http://en.wikipedia.org/wiki/County_fairs

http://en.wikipedia.org/wiki/Chicago-style

http://en.wikipedia.org/wiki/File:Propane_smoker.jpg


http://en.wikipedia.org/wiki/American_Royal#Events

http://en.wikipedia.org/wiki/American_Royal#Events

http://en.wikipedia.org/wiki/Kansas_City,_Missouri

http://en.wikipedia.org/wiki/Regional_variations_of_barbecue#Memphis

http://en.wikipedia.org/wiki/Regional_variations_of_barbecue#Memphis

http://en.wikipedia.org/wiki/Memphis,_Tennessee

http://en.wikipedia.org/wiki/Memphis_in_May



http://en.wikipedia.org/wiki/Natural_gas

http://en.wikipedia.org/wiki/Propane

http://en.wikipedia.org/wiki/File:BBQ_Food.jpg



Survey Results:

A survey of the Georgia insurance Salesmen and Agents has allowed the FYI Express to accumulate a list of potentially great BBQ places. Obviously, taste is highly subjective, quality may vary from day to day and your own personal experiences come into play on what is good and what is not. Several Rep.'s claim that really good BBQ is not found in Georgia, but Memphis, Tn. We have send out our testers to find the "best of the best" pork BBQ in Georgia so we can pass along this information to you , while really enjoying ourselves. Send us your candidate' s name, location, type of sauce used and the house specialty.

Potential candidates to be tested are:

Fox Brothers 1238 Dekalb Avenue Atlanta, Ga. 30307 Highest rated BBQ in Atlanta by several sources. located near "Little Five points" off the Inman Park area in East Atlanta.

http://www.foxbrosbbq.com/location

Southern Soul Barbeque 2020 Demere Road Saint Simon Island, Ga. aka "The round a bout BBQ place" - Gets raves reviews from marketing people and online reviews

http://www.southernsoulbbq.com

Dean's Barbeque 9480 S. Main Street Jonesboro, Ga. - Specialty is a pulled pork sandwich.

http://www.tripadvisor.com/Restaurant_Review-g35039-d467346-Reviews-Dean_s_Barbeque-Jonesboro_Georgia.html

Fresh Air Barbecue 1164 Highway 42s Jackson, Ga. 30233 - Open pit BBQ using a vinegar based sauce

http://www.freshairbarbecue.com

Walker's Fried Pies & BBQ 2183 Hwy 52E Ellijay, Ga. 30540

Enclosed smoker cooked BBQ, Various sauces are available Closed in the winter months

http://www.yelp.com/biz/walkers-fried-pies-and-bbq-ellijay

Tomlin's Barbeque 5030 Highway 441 North Rabun Gap, Ga. 30568 706-746-2690

Small BBQ shack only open Friday, Saturday and Sunday from May until the end of October.

http://www.urbanspoon.com/r/149/1469362/restaurant/Georgia/Dillard/Tomlins-Barbeque-Rabun-Gap

What's your favorite BBQ place?

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IE2013 Attendee Invitation More info at www.fyigeorgiaviews.com

INSURANCE EXPO 2013

“Rebooting Insurance Offices!”

July 11 – 13, 2013 Sonesta Gwinnett Place in Duluth, GA

New Location … New Experiences

You spoke and I listened. You wanted a place that could host the South’s Best Insurance Industry Trade Fair, the Best Continuing Education Classes, the Best Insurance Agent Party and the Best Hotel Rates … all under one roof … and at affordable prices.

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Sonesta Gwinnett Place (formerly Marriott Gwinnett Place) will be the place to be on July 11-13.

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Insurance Expo 2013 Continuing Education Agenda Thursday, July 11th

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“Localize, Mobilize, Socialize”

3 hours Ethics CE

Internet Marketing & Social Media enables independent agents to establish consistent client communication but it must be done ethically.

Eddie K. Emmett shares all of the free tips ‘n tools in what has been described as “the best CE seminar I’ve ever attended!” CE Sponsored by AccuAuto.

1:00 p.m. – 3:00 p.m.

FREE CE Commissioner Hudgens’

staff will bring you up to date on the plans for GA’s Insurance Industry

This CE is free to everyone but you must register online at http://ie13-agent.eventbrite.com since seating is limited to the first 240 registrations.

3:00 p.m. – 5:00 p.m.

Free Trade Show

75 Exhibit Booths, 250 Company reps … all there to thank you for your business or show you why you should have a mutually profitable relationship.

Attend DOI Update and Trade Fair and earn 3 hours Association CE Credit (max 3 hours per year)

5:00 p.m. – 6:00 p.m.

Welcome Reception in Sonesta Pub

Come enjoy your share of a $500 bar tab awarded to the Exhibitor you voted “Best in Show”.

Then let’s find the Hospitality Suites in the Sonesta Gwinnett Place!

Friday, July 12th

9:00 a.m. – 12:00 p.m.

“Insurance for Insurance Agents”

3 hours P&C CE

Test your knowledge of the types of insurance needed and the uninsurable legal traps faced by your agency in this fast-paced CE seminar based on the popular “Jeopardy” game show. Sponsored by Rick Pegram, Director for LegalShield.

Want a “sneak peek” at the topics?

Check out this four minute YouTube video I made from the PowerPoint Presentation.

http://youtu.be/pctgD4XTZng

1:00 p.m. – 3:00 p.m.

Industry Roundtable Discussion

I’ve invited the “Head Honchos” to share with you their thoughts on where this industry is headed and how you can maximize the opportunities.

3:00 p.m. – 5:00 p.m.

Free Trade Show

75 Exhibit Booths, 250 Company reps … all there to thank you for your business or show you why you should have a mutually profitable relationship.

Attend Roundtable plus Trade Fair and earn 3 hours Association CE Credit (max 3 hours per year)

5:00 p.m. – 9:00 p.m.

Salsa Pool Party

Bring your swim suits and enjoy drinks, hors d’ouveres, and beach / salsa music as we take you to an exotic paradise.

Saturday, July 13th

“Localize, Mobilize, Socialize”

3 hours Ethics CE (repeat from Thursday)

Internet Marketing & Social Media enables independent agents to establish consistent client communication but it must be done ethically.

Eddie K. Emmett shares all of the free tips ‘n tools in what has been described as “the best CE seminar I’ve ever attended!” CE Sponsored by AccuAuto.

http://www.accuauto.net/






http://youtu.be/pctgD4XTZng



Register Online at http://ie13-agent.eventbrite.com IE2013 ATTENDEE REGISTRATION INFO

Everyone is invited to enjoy the IE2013 Continuing

Education Seminars that were created especially for Independent Agents & CSRs. Get up to 15 hours CE … each day features at least 3 hours Ethics CE.

GEORGIA ONLY CE IE2013 CE seminars qualify for CE

only for Georgia’s licensed agents. But agents from our neighboring states are invited to enjoy them anyway!

Therefore, 50% discounts will apply to anyone from

outside of Georgia or just doesn’t need CE. You’ll get great information by attending the seminars but you won’t get CE credit.

Don’t need CE? Many Attendees have asked for

a Special Non-CE Registration Package for themselves and their CSRs. You spoke and I listened! Attend for 50% discount and enjoy “news, views and opinions” for Independent Agents from Independent Agents! You’ll get great information by attending the seminars but you won’t get CE credit.

IE2013 ATTENDEE REGISTRATION FORM

Please fill out a separate Registration Form for each Attendee. (Feel free to copy)

Instead of filling out the following, you may just include your business card(s) when you mail in the registration if your card has all of the following info:

Name: ____________________________________ First Name (or Nickname) for Badge: ____________ Agency: ___________________________________ Mailing Address: ____________________________ (City) ________________ (State) ___ (Zip) _______ Ph :(_______) ______________________________ Fax :(_______) ______________________________ E-mail: __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

Enjoy a “mini-vacation” at Sonesta Gwinnett Place for only $94.00 per night

Click here for Online Registration

IE2013 ATTENDEE REGISTRATION INFO ___ ONE-DAY REGISTRATION = $49.00 Choose either: ___ Thurs ___ Fri Pay only $49 for that day's activities: Morning's 3

hours CE, Trade Fair (Thurs & Fri), & Afternoon's 3 hours Ethics CE.

Don’t need CE? 50% discounts will apply! ___ NON-CE REGISTRATION = $25.00 ___ TWO-DAY REGISTRATION = $89.00 Both Day’s Package (up to 12 hours CE) is only $89

for that day's activities: Morning's 3 hours CE, Trade Fair (Thurs & Fri), & Afternoon's 3 hours Ethics CE.

Don’t need CE? 50% discounts will apply! ___ NON-CE REGISTRATION = $45.00

___ MORNING CE = $25.00

Choose one: ___ Thurs ___ Fri ___ Sat

__ AFTERNOON CE = $25.00

Choose one: ___ Thurs ___ Fri

Everybody can’t leave the office at the same time?

Don’t want to close it completely down?

Feel free to combine your registration with fellow employees and still get the multi-day discount price!

Total check attached = $ _______ Please make check payable to FYI: Insurance Views

and News & mail it with completed form(s) to: FYI: Insurance Views and News 200 Russell Court, Canton, GA 30115

Questions? Contact me at (770) 312-2342;

Fax (770) 783-8226 or e-mail to:

[email protected]




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