Suffolk Big Eye Jul/Aug 2012 Issue
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Transcript of Suffolk Big Eye Jul/Aug 2012 Issue
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
SUFFOLK Big Eye2 0 1 2 J U L A U G I S S U E
the
INSIDE
Presidents Message
Ice Cubes to the Rescue
Being Prepared
CE Classes on Long Island
STORM WARNING - ARE YOU PREPARED
2
President
David M Borg
nnn
To all our Members and Non-Members alike
Summer 2012 is and has certainly been a hot
one and the temperature outsides is not the only topic of discussion
13 Our industry has been bubbling over with activity Carriers want premium increases Clients want price relief in light of their economic situations
And we as the middle men are truly in the middlehellip so we ask ourselves what type of agency are we
13 Are we in ldquoretentionrdquo mode-trying to maintain our book of business in a market where premiums are increasing and insurer will underwrite a class of
business or territory one year and withdraw the next Or are we in a growth mode-looking for new
opportunities and more effective ways to do business and provide service to our clientscustomers Simply - When times are tough the tough get going or
should I say better get going or else
An article I saved from a few years back has
many sales and marketing ideas 101 to be exact
Presidentrsquos Messagethe
3
4
13 The article entitled ldquoSpecial Report 101 Sales amp Marketing Ideasrdquo which appeared in the Insurance Journal-National Region August 16 2010 continues
to be relevant For example idea 22 ndash suggests that knowing your clientrsquos andor prospectrsquos ldquovaluesrdquo is a way of being successful with them or 31 ndash suggests that
you be a resource for information for your clients In other words are you providing your client with ldquoValue Addedrdquo services
13 You might consider reviewing all of these ideas ndash adopting the ones that suit
your business plan best
IIABSC looks to support your efforts by providing - Value Added services
Much is done on a local and state level to benefit you We look forward to seeing all of our members at our September 19 meeting
Bring a guest and let them discover for themselves how they too will benefit
See you there
Dave Borg
President
Presidentrsquos Message contrsquodthe
Giving Business to the National Payroll Companies Giving Business to the National Payroll Companies That Compete With YouThat Compete With You
IIABNYrsquos endorsed Payroll Provider
Ovation Payroll WILL NOT compete against you
Ovation WILL Protect Your Book of Business
Contact Cheryle Levine at 5163842467 clevineovationpayrollcom ovationpayrollcom
5
IIABSC MEETING NOTICEWednesday September 19 2012
STORM WARNINGldquoDisaster Planningrdquo - Are You Prepared
Topics Include Coordinating Your Staff - Maintaining Systems and Phones -
Responding to Clients - HO vs FloodThis is a round table discussion and everyone is invited to participate Please bring your stories from tropical storm Irene and other past storms Tell us how you ran your agency and what you
learned from your experiences
PLACE Hilton Garden Inn TIME 830 am lsquoCheck Inrsquo amp Coffee 2038 Old Country Rd Riverhead 845 am Breakfast Buffet Opens (LIE Exit 73) 900 am Start of Program
COST $1600 per person for IIAB Suffolk and NextGen members $2200 per person for all other guests All are welcome Pre-registration required - An additional $500 per person will be added for walkins
REGISTER ON-LINE AT wwwsuffolkagentscom Use a credit card or mail a check before September 14th
Program questions Contact Joanne Bentivegna 631-706-0161 - joannebentivegnapeoplescomRegistration questions Contact Jeanne Abatelli 516-681-6265 ndash injeanious1verizonnet
OR MAIL YOUR REGISTRATION (use separate sheet if needed)
Name _________________________________________________________Tel ________________________________
AgencyCo_______________________________________________E-Mail ___________________________________
Enclosed is my check in the amount of $____________ payable to IIABSC
MAIL TO Jeanne Abatelli 150 Dartmouth Drive Hickville NY 11801
6
by Don J Hester
13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors
Can we prevent this disaster NO
Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains
Have you told your customers that deductible buy back coverage policies are available
13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your
Editorrsquos Feedbackthe
Editor
Don Hester
nnn
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
2
President
David M Borg
nnn
To all our Members and Non-Members alike
Summer 2012 is and has certainly been a hot
one and the temperature outsides is not the only topic of discussion
13 Our industry has been bubbling over with activity Carriers want premium increases Clients want price relief in light of their economic situations
And we as the middle men are truly in the middlehellip so we ask ourselves what type of agency are we
13 Are we in ldquoretentionrdquo mode-trying to maintain our book of business in a market where premiums are increasing and insurer will underwrite a class of
business or territory one year and withdraw the next Or are we in a growth mode-looking for new
opportunities and more effective ways to do business and provide service to our clientscustomers Simply - When times are tough the tough get going or
should I say better get going or else
An article I saved from a few years back has
many sales and marketing ideas 101 to be exact
Presidentrsquos Messagethe
3
4
13 The article entitled ldquoSpecial Report 101 Sales amp Marketing Ideasrdquo which appeared in the Insurance Journal-National Region August 16 2010 continues
to be relevant For example idea 22 ndash suggests that knowing your clientrsquos andor prospectrsquos ldquovaluesrdquo is a way of being successful with them or 31 ndash suggests that
you be a resource for information for your clients In other words are you providing your client with ldquoValue Addedrdquo services
13 You might consider reviewing all of these ideas ndash adopting the ones that suit
your business plan best
IIABSC looks to support your efforts by providing - Value Added services
Much is done on a local and state level to benefit you We look forward to seeing all of our members at our September 19 meeting
Bring a guest and let them discover for themselves how they too will benefit
See you there
Dave Borg
President
Presidentrsquos Message contrsquodthe
Giving Business to the National Payroll Companies Giving Business to the National Payroll Companies That Compete With YouThat Compete With You
IIABNYrsquos endorsed Payroll Provider
Ovation Payroll WILL NOT compete against you
Ovation WILL Protect Your Book of Business
Contact Cheryle Levine at 5163842467 clevineovationpayrollcom ovationpayrollcom
5
IIABSC MEETING NOTICEWednesday September 19 2012
STORM WARNINGldquoDisaster Planningrdquo - Are You Prepared
Topics Include Coordinating Your Staff - Maintaining Systems and Phones -
Responding to Clients - HO vs FloodThis is a round table discussion and everyone is invited to participate Please bring your stories from tropical storm Irene and other past storms Tell us how you ran your agency and what you
learned from your experiences
PLACE Hilton Garden Inn TIME 830 am lsquoCheck Inrsquo amp Coffee 2038 Old Country Rd Riverhead 845 am Breakfast Buffet Opens (LIE Exit 73) 900 am Start of Program
COST $1600 per person for IIAB Suffolk and NextGen members $2200 per person for all other guests All are welcome Pre-registration required - An additional $500 per person will be added for walkins
REGISTER ON-LINE AT wwwsuffolkagentscom Use a credit card or mail a check before September 14th
Program questions Contact Joanne Bentivegna 631-706-0161 - joannebentivegnapeoplescomRegistration questions Contact Jeanne Abatelli 516-681-6265 ndash injeanious1verizonnet
OR MAIL YOUR REGISTRATION (use separate sheet if needed)
Name _________________________________________________________Tel ________________________________
AgencyCo_______________________________________________E-Mail ___________________________________
Enclosed is my check in the amount of $____________ payable to IIABSC
MAIL TO Jeanne Abatelli 150 Dartmouth Drive Hickville NY 11801
6
by Don J Hester
13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors
Can we prevent this disaster NO
Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains
Have you told your customers that deductible buy back coverage policies are available
13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your
Editorrsquos Feedbackthe
Editor
Don Hester
nnn
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
3
4
13 The article entitled ldquoSpecial Report 101 Sales amp Marketing Ideasrdquo which appeared in the Insurance Journal-National Region August 16 2010 continues
to be relevant For example idea 22 ndash suggests that knowing your clientrsquos andor prospectrsquos ldquovaluesrdquo is a way of being successful with them or 31 ndash suggests that
you be a resource for information for your clients In other words are you providing your client with ldquoValue Addedrdquo services
13 You might consider reviewing all of these ideas ndash adopting the ones that suit
your business plan best
IIABSC looks to support your efforts by providing - Value Added services
Much is done on a local and state level to benefit you We look forward to seeing all of our members at our September 19 meeting
Bring a guest and let them discover for themselves how they too will benefit
See you there
Dave Borg
President
Presidentrsquos Message contrsquodthe
Giving Business to the National Payroll Companies Giving Business to the National Payroll Companies That Compete With YouThat Compete With You
IIABNYrsquos endorsed Payroll Provider
Ovation Payroll WILL NOT compete against you
Ovation WILL Protect Your Book of Business
Contact Cheryle Levine at 5163842467 clevineovationpayrollcom ovationpayrollcom
5
IIABSC MEETING NOTICEWednesday September 19 2012
STORM WARNINGldquoDisaster Planningrdquo - Are You Prepared
Topics Include Coordinating Your Staff - Maintaining Systems and Phones -
Responding to Clients - HO vs FloodThis is a round table discussion and everyone is invited to participate Please bring your stories from tropical storm Irene and other past storms Tell us how you ran your agency and what you
learned from your experiences
PLACE Hilton Garden Inn TIME 830 am lsquoCheck Inrsquo amp Coffee 2038 Old Country Rd Riverhead 845 am Breakfast Buffet Opens (LIE Exit 73) 900 am Start of Program
COST $1600 per person for IIAB Suffolk and NextGen members $2200 per person for all other guests All are welcome Pre-registration required - An additional $500 per person will be added for walkins
REGISTER ON-LINE AT wwwsuffolkagentscom Use a credit card or mail a check before September 14th
Program questions Contact Joanne Bentivegna 631-706-0161 - joannebentivegnapeoplescomRegistration questions Contact Jeanne Abatelli 516-681-6265 ndash injeanious1verizonnet
OR MAIL YOUR REGISTRATION (use separate sheet if needed)
Name _________________________________________________________Tel ________________________________
AgencyCo_______________________________________________E-Mail ___________________________________
Enclosed is my check in the amount of $____________ payable to IIABSC
MAIL TO Jeanne Abatelli 150 Dartmouth Drive Hickville NY 11801
6
by Don J Hester
13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors
Can we prevent this disaster NO
Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains
Have you told your customers that deductible buy back coverage policies are available
13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your
Editorrsquos Feedbackthe
Editor
Don Hester
nnn
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
4
13 The article entitled ldquoSpecial Report 101 Sales amp Marketing Ideasrdquo which appeared in the Insurance Journal-National Region August 16 2010 continues
to be relevant For example idea 22 ndash suggests that knowing your clientrsquos andor prospectrsquos ldquovaluesrdquo is a way of being successful with them or 31 ndash suggests that
you be a resource for information for your clients In other words are you providing your client with ldquoValue Addedrdquo services
13 You might consider reviewing all of these ideas ndash adopting the ones that suit
your business plan best
IIABSC looks to support your efforts by providing - Value Added services
Much is done on a local and state level to benefit you We look forward to seeing all of our members at our September 19 meeting
Bring a guest and let them discover for themselves how they too will benefit
See you there
Dave Borg
President
Presidentrsquos Message contrsquodthe
Giving Business to the National Payroll Companies Giving Business to the National Payroll Companies That Compete With YouThat Compete With You
IIABNYrsquos endorsed Payroll Provider
Ovation Payroll WILL NOT compete against you
Ovation WILL Protect Your Book of Business
Contact Cheryle Levine at 5163842467 clevineovationpayrollcom ovationpayrollcom
5
IIABSC MEETING NOTICEWednesday September 19 2012
STORM WARNINGldquoDisaster Planningrdquo - Are You Prepared
Topics Include Coordinating Your Staff - Maintaining Systems and Phones -
Responding to Clients - HO vs FloodThis is a round table discussion and everyone is invited to participate Please bring your stories from tropical storm Irene and other past storms Tell us how you ran your agency and what you
learned from your experiences
PLACE Hilton Garden Inn TIME 830 am lsquoCheck Inrsquo amp Coffee 2038 Old Country Rd Riverhead 845 am Breakfast Buffet Opens (LIE Exit 73) 900 am Start of Program
COST $1600 per person for IIAB Suffolk and NextGen members $2200 per person for all other guests All are welcome Pre-registration required - An additional $500 per person will be added for walkins
REGISTER ON-LINE AT wwwsuffolkagentscom Use a credit card or mail a check before September 14th
Program questions Contact Joanne Bentivegna 631-706-0161 - joannebentivegnapeoplescomRegistration questions Contact Jeanne Abatelli 516-681-6265 ndash injeanious1verizonnet
OR MAIL YOUR REGISTRATION (use separate sheet if needed)
Name _________________________________________________________Tel ________________________________
AgencyCo_______________________________________________E-Mail ___________________________________
Enclosed is my check in the amount of $____________ payable to IIABSC
MAIL TO Jeanne Abatelli 150 Dartmouth Drive Hickville NY 11801
6
by Don J Hester
13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors
Can we prevent this disaster NO
Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains
Have you told your customers that deductible buy back coverage policies are available
13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your
Editorrsquos Feedbackthe
Editor
Don Hester
nnn
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
5
IIABSC MEETING NOTICEWednesday September 19 2012
STORM WARNINGldquoDisaster Planningrdquo - Are You Prepared
Topics Include Coordinating Your Staff - Maintaining Systems and Phones -
Responding to Clients - HO vs FloodThis is a round table discussion and everyone is invited to participate Please bring your stories from tropical storm Irene and other past storms Tell us how you ran your agency and what you
learned from your experiences
PLACE Hilton Garden Inn TIME 830 am lsquoCheck Inrsquo amp Coffee 2038 Old Country Rd Riverhead 845 am Breakfast Buffet Opens (LIE Exit 73) 900 am Start of Program
COST $1600 per person for IIAB Suffolk and NextGen members $2200 per person for all other guests All are welcome Pre-registration required - An additional $500 per person will be added for walkins
REGISTER ON-LINE AT wwwsuffolkagentscom Use a credit card or mail a check before September 14th
Program questions Contact Joanne Bentivegna 631-706-0161 - joannebentivegnapeoplescomRegistration questions Contact Jeanne Abatelli 516-681-6265 ndash injeanious1verizonnet
OR MAIL YOUR REGISTRATION (use separate sheet if needed)
Name _________________________________________________________Tel ________________________________
AgencyCo_______________________________________________E-Mail ___________________________________
Enclosed is my check in the amount of $____________ payable to IIABSC
MAIL TO Jeanne Abatelli 150 Dartmouth Drive Hickville NY 11801
6
by Don J Hester
13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors
Can we prevent this disaster NO
Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains
Have you told your customers that deductible buy back coverage policies are available
13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your
Editorrsquos Feedbackthe
Editor
Don Hester
nnn
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
6
by Don J Hester
13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors
Can we prevent this disaster NO
Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains
Have you told your customers that deductible buy back coverage policies are available
13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your
Editorrsquos Feedbackthe
Editor
Don Hester
nnn
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
7
neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability
Send it certified The post office needs the income and a penny spent now may save you 5
Editorrsquos Feedback conrsquotthe
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
8
13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or
party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will
never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen
Keep in mind that preparing for hurricanes can be the difference
between minor damage and catastrophic loss What are some of the items to prepare or plan for
The following information from Chartis is intended to guide you in your preparation
bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt
response
bullVerify that you have storm shutters to protect all openings including
doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at
least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase
resistance against strong winds Replace sliding-glass doors with impact-
Being PreparedLaura SennCIC
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
9
resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds
bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris
bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed
bullCheck caulking around windowsdoors to ensure no deterioration has
occurred
bullPrune weak branchestrees and remove limbs that overhang or are too
close to the structure
bullVerify that rafterstrusses are adequately connected to the walls and foundations
bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if
water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation
bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely
Being Prepared conrsquot
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
10
bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a
hurricane
When a hurricane is forecast to hit your area follow the following checklist
bullInstall storm shutters and secure your garage door
bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case
water pools on the floor around the windows
bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower
portion of the drapes in plastic
bullRoll up area rugs and move them to the center of your home and elevate
them if possible
bullPlace towels at the base of terrace doors
bullRemove all patio furniture from your yard or terrace and store it in your
garage or house Remove potted plants lawn ornaments and sculptures and store them indoors
Being Prepared conrsquot
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
11
bullFill the fuel supply for your back-up electrical
generator and test the generator under load to
ensure itrsquos functioning properly
bullPlace important
documents eg insurance policies bank account
and credit card information contact numbers etc in a plastic
container to ensure their availability after the
storm passes
Remember Planning and
Preparing can make the difference between minor
damage and a
catastrophe
Being Prepared conrsquot
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
12
by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances
13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature
13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress
13 You return the power was restored to your region before they would let you back into your
Ice Cubes To The Rescue
Editor
Don Hester
nnn
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
13
home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat
13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables
13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice
WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage
13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
14
Coming SoonA lsquoMust Attendrsquo
Legislative ForumTuesday October 30 2012
Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL
Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI
Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013
Bring your staff and your questionshelliphellip
The Place Chateau Briand 440 Old Country Road Carle Place
Get directions on wwwchateaubriandcatererscom or call 516-334-6125
Time 400 pm
Full details to follow shortly
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
15
FEMA Hurricane Informationhttpwwwreadygovhurricanes
Suffolk County Hurricane Preparedness Home Page
httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng
Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml
LIPA Storm Center
httpwwwlipowerorgstormcenterhurricanehtml
Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island
Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom
Long Island Hurricane Guide
httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm
Boating Times Hurricane Guide
httpboatingtimeslicomNYp=11417
Hurricane Links
When
re
and
water
damage
put
the
things
that
matter
most
on
the
line
you
need
the
best
help
on
the
line
as
well
tseisae
eht
gniwonk
yhw
srsquotahT
ways
to
contact
SERVPRO reg
is
so
important
Just
go
to wwwServproPortJeersoncom or call
1-866-928-7668
Independently Owned and Operated
WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration
Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up
of Port JeffersonStony BrookHicksvillePlainview
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
16
The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony
13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary
IABSC also installed the following directors
David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon
13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI
Installation Dinner May 23 2012The Harbor Club Huntington NY
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
17
Installation DinnerThe Harbor Club Huntington NY
May 23 2012
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
18
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
19
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
20
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
21
Russ Vollmer presented the Vincent A Alba Lifetime
Achievement award to Jim Sutton
The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette
Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey
Romeo and Aaron Stein
Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
22
David Borg thanked Earl Eaton IIABSC outgoing
president for a job well done
Dick Poppa with Bernadette and David Borg
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
23
Sponsorsthe
Installation Sponsors
Dinner SponsorsCRC
Interboro Insurance Company
Kingstone Insurance Company
Morstan General Agency
Narragansett Bay Insurance Company
Utica National Insurance Group
Social Hour Sponsors Adirondack InsuranceTower Group Companies
BELFOR Property Restoration
Chartis Insurance
First Rehab Life
Harleysville Group
Merchants Insurance Group
Quaker Special Risk
Total Restoration Inc
Travelers
Zurich Small Business
Door Prize SponsorsRestoration Specialists
Please remember these companies support our association please help
support them whenever possible
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
24
What Would Shakespeare SayBy Laura Senn CIC
If Shakespeare were living today instead of saying To Be or Not To Be I think if he
lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long
Islanders THAT is the Question
We are in Hurricane season and here is some helpful
information from PURE
bullPay Attention to Your Roof The older your roof the weaker it likely
is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these
items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water
resistance is deployed premium credits can be generous
bullSecure the Openings to Your Home The best way to reduce the
damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing
outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their
windows some of our members still rely on storm shutters If you have
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
25
storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place
even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone
to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)
bullReduce the Potential for Flying Debris Trees gravel yard
ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items
when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden
bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure
bullDevelop a Hurricane Plan For those living in coastal areas
(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan
for your family should include the following items
What Would Shakespeare Sayconrsquot
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
26
bullEmergency Contact Information All members of your family
should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list
bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the
likely hurricane area as a designated safe place to meet and stay
bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case
your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions
bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food
blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery
operated radio toiletries tarp duct tape money credit cards insurance information identification)
bull
What Would Shakespeare Sayconrsquot
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
27
VICE PRESIDENT
JOANNE BENTIVEGNA
CIC CRM
TREASURER
PAULETTE KATZ CIC
SECRETARY
JOHN V STYPE CIC
IMMEDIATE PAST PRESIDENTEARL EATON
DAVID H BORG CISRdhborgborgborgcom
RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom
JOHN J GLENNONjohnglennoninsurancecom
JOSEPH A GUNDERMANN AAI jgundermanngundermanncom
ERIC KEIFFERT CPCUekeifferthometowninsurancecom
MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom
LAURA SENN CIClaurasennpeoplescom
AARON STEIN CPCU CFPaaronnortonsiegelcom
Directors
Board of Directors
EDITOR Don Hester PRODUCER Aaron Stein
NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert
Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom
Publication Staff
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
28
CONTRIBUTIONS
Q Who can contribute to the PACs
InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)
IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)
Q Are corporate contributions permitted
InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)
IAPAC (State) ndash Personal and corporate checks ARE acceptable
Q Is there a limit on contributions
InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000
IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit
Q Are credit cards accepted
InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)
PAC Frequently Asked Questions
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
29
IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card
Q Are monthly installments available
InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely
IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues
Note your calendar
This Year Our Holiday Party Will Be Held on
Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook
KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening
with friends and associates
Details will follow soon
PAC Frequently Asked Questionsconrsquot
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
30
Q Are cash contributions allowed
InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor
IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person
Q Are contributions deductible on federal income tax returns
InsurPac (Federal) ndash No
IAPAC (State) ndash No
FUNDRAISING
Q What are the rules for soliciting groups (such as a local association meeting)
InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited
PAC Frequently Asked Questionsconrsquot
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
31
Jerry Brunell Memorial Fishing Outing
Wednesday September 12 2012
Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp
tackle fishbags
Amount $7500person
Place Captree Boat Basin
Time Departs 745 am Return 330pm
Directions Southern State Parkway to Exit 40
Robert Moses Causeway take south 5 miles to
Captree Boat Basin exit
Footware Sneakers dock-siders or equivalent
Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155
Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal
co NGL Group 112 Merrick Road
Lynbrook NY 11563Firm Name___________________________________________________________________
Name_______________________________________________________________________
Address______________________________________________________________________
City _______________________________________ State _______ Zip _________________
Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________
Total Amount of Check enclosed ___________
Use back of form for additional fishermen
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
32
This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information
IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above
Q Are raffles allowed
InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)
IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling
Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value
InsurPac (Federal) ndash Yes
IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance
Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)
InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)
IAPAC (State) ndash Yes
PAC Frequently Asked Questionsconrsquot
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
33
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
34
Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC
InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)
IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)
PAC Frequently Asked Questionsconrsquot
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
35
IAPACState PAC
InsurPacFederal PAC
Financial Year May 1 ndash April 30 January 1 ndash December 31
Current Goal $62600 $48240
Type of check accepted
Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see
below)
Payable to IAPAC InsurPac
Credit card YesAmerican Express MasterCard or
VISA
Yes American Express MasterCard or
VISA
Contribution form YesAvailable on IIABNY website
YesAvailable on IIABNY website
On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option
Monthly payment option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Automatic Debit option
Yes(with IIABNY dues payment)
Yes(see contribution form)
Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership
contributionrdquo form
Corporate Approval form
NA Try to get this form completed if possible
Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp
Racing Laws
Permitted if fair market value of the prize is not more than 13 of the total
amount raised
PAC GUIDLINESState vs Federal
July 2012
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
36
Quick amp Easy Way to Create Your Own Web Site
AgentQuote
IIABNY Member Price$39month
AgentQuote is the endorsed website development provider of
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
37
Big ldquoIrdquo CE Classes on LI
IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012
CE Classes in Suffolk Nassau and Queens Counties
The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise
091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)
The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)
091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl
The following seminar will be held at Belfor in Maspeth Queens
092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
38
110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)
For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI
conrsquot
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
39
Note your calendar now to attend this big event
Downstatersquos Legislative Forum
will be held onTuesday October 30th 2012
at the beautiful Chateau Briand in Carle Place
Details to follow shortly
For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information
contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
40
7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV
The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events
0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders
Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel
Aliated with IIABA Young Agents
Membership is Free Join today by lling out the following form and returning it to
Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510
Name _____________________________________________________ Agency _________________________________________
Address _____________________________________________________________________________________________________
Position ___________________________________________________ Year Born ________________________________________
E-mail _____________________________________ Phone ____________________________ Fax __________________________
LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ
Networking amp social events with other professionals
Exciting amp innovative sales and marketing training
Management skills that allow your career to grow
Valuable leadership development
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
41
INSURANCE COMPANIES amp MARKETS
Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539
Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621
NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom
Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom
INSURANCE SERVICES
Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom
Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom
RESTORATION SERVICES
Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905
Advertisersthe
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the
42
2 0 1 2 J U L A U G I S S U E
SUFFOLK Big Eye
Contact Usinfosuffolkagentscom
IIABSC150 Dartmouth DrHicksville NY 11801
I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y
the