Welcome to PIA of North Carolina’s Job Openings/ Want Ads posting.
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Thank you, Jim Kennedy – PIANC
We are in need of a commercial lines account manager to manage a portion of the alphabet in our Salisbury, NC Office. Needs to have P & C license and preferably some experience. We use the Applied System. Central Carolina has great benefits.
Office Manager, Central Carolina Insurance Agency, Inc
Curt Pearsall, CPCU, AIAF, CPIA
President – Pearsall Associates, Inc. and Consultant to the Utica National E&O Program
There are many agencies that have not experienced an errors and omissions (E&O) claim in the last 10 years. Does that mean they are a good agency from an E&O standpoint? It certainly speaks to the fact that they must be doing some things well.
Unfortunately, many of those agencies seem to feel they are immune and that an E&O claim will never happen to them. And then one day, a lawyer shows up at their office and presents them with a summons and complaint. That is when they possibly discover that they were not as good as they thought.
When they look at the allegations being made against them by their client, typically the agency will discover that the claim could have been avoided or, at a minimum, the agency could have built a more solid defense to increase their chances of prevailing on the E&O matter.
When it comes to E&O, relying on luck is definitely not suggested. It is best to have some element of an E&O loss prevention program in place. Some agencies may feel that developing a strong E&O prevention program is an overwhelming task, so they do nothing. A better approach would be to start by designing and implementing a plan. Then, every year look to strengthen the program by adding new loss prevention measure or building upon the ones already in place. Read More...
In a major win for PIA National and small-business insurance agencies across the country, final regulations were issued on Friday, January 18, by the U.S. Treasury and the Internal Revenue Service (IRS) saying that, for the most part, insurance agents are permitted to take the 20 percent pass-through deduction provided by the tax law passed at the end of 2017. Specifically, the regulations state that “insurance cannot be considered a financial service” for the purpose of taking the 20 percent pass-through tax deduction.
PIA National lobbied for the passage of the tax bill at the end of 2017 largely because of its improved treatment of S corporations, also known as pass-through corporations. After the bill was signed into law, however, it soon became clear that the law was ambiguous as to the application of the pass-through provision to insurance agents. There was the possibility that the owners of independent insurance agencies who file as S corporations might not be able to take advantage of the deduction created by the law. PIA National immediately sprang into action, meeting with congressional offices to ask that they weigh in with the administration on behalf of agents. PIA National provided comments to Treasury and the IRS encouraging them to issue a regulation that would clarify agents’ opportunity to take advantage of the pass-through provision.
The final regulations state that specified service trades or businesses, including “financial services,” are not permitted to take the deduction. These final regulations state that, in general, “financial services” do not include insurance, and therefore that insurance agents are permitted to take the deduction. This interpretation supports PIA National’s position on this issue.
Please note, however, that Treasury and the IRS declined to issue a categorical exclusion of all services provided by insurance agents from the definition of “financial services,” because they recognized that some agents do engage in activities (such as managing wealth, advising clients with respect to finances, etc.) that are considered “financial services” for the purpose of this law. Those agents engaged in activities that are classified as “financial services” pursuant to the tax law are not eligible for the deduction.
The timing of the final rule makes it possible for pass-through entities to take advantage of the deduction in their 2018 tax filings.
Below you will also find a list of map information services that the Guilford County Planning and Development Department provides. All inquiries can be directed to Frank Park, the Floodplain Administrator at 336-641-3753.
Guilford County will assist in finding the following information:
• Whether the property is in an SFHA.
• The community number.
• The panel number and suffix.
• The date of the FIRM’s index (cover panel)
• The FIRM zone e.g., A, C, X, V, AE, A2, AO etc.
• The base flood elevation (the depth in AO Zones) where shown on the FIRM.
• The elevation datum used on the FIRM, if other than the NGVD.
• Any historical information about the property that we may have.
• Any information about streams and wetlands on the property.
More information is available at:
Guilford County Floodplain Management: http://www.myguilford.com/planning-and-development/watershed-protectionstormwater-management/floodplain-management/
National Flood Insurance Program: www.floodsmart.gov
NC Flood Insurance Rate Maps: http://fris.nc.gov/fris/Home.aspx?ST=NC
If you have any questions or comments please free to contact me at 336-641-5565 or Frank Park, Floodplain Administrator at 336-641-3753.
This article is a Public Service from PIANC for those who have or had or getting ready to repair or build new home in coastal/inland areas along Eastern/Gulf USA or anywhere from Hurricanes, storms etc., bring your coastal/inland home up to FORTIFIED CONSTRUCTION STANDARDS for about 15% more in building costs.
Now that Hurricanes Florence, Michael, Northeasters have wreaked havoc among our coastal/inland properties, how can property owners repair, rebuild or new home built that can probably withstand these storms? It is called: FORTIFIED HOMES!
For more information on Fortified Construction Standards for New and Existing Buildings/Homes from: Insurance Institute For Business & Home Safety, go to: https://disastersafety.org/fortified/ and look how FORTIFIED CONSTRUCTION STANDARDS can improve your coastal property for about 15% more in costs.
Did you know that there is an alternative conservative Association for Seniors 50+ and it is called: Association of Mature American Citizens (AMAC)? My wife and I dumped the “other” Association years ago because of being to liberal and we became a members of AMAC and have better benefits. If any Senior 50+ is interested in becoming a AMAC member:
Mature American Citizens, Inc.
5 Orville Drive #400
Bohemia, NY 11716
Just an FYI for anyone who is thinking about becoming a AMAC member:
AMACAdvantage Nov/Dec magazine, nice article on: Medicare Supplement Plans: Which is Best for Me?
Work with our Diamond Action Partner, AmTrust North America. Review the advantages of partnering with the AmTrust team.
While some carriers have left the flood insurance market or sold their books of business, we want to assure you that PIA’s national flood partner, The Hartford, is here to stay. The Hartford is one of the largest flood insurance writers in the country, having written flood insurance through FEMA’s National Flood Insurance Program for over three decades.
The Hartford wants to be your go to flood market for both personal lines and commercial lines. Their dedicated flood sales and transfer teams want to earn your business by making it easy to do business and providing exceptional service for both you and your customers.
PIA members that work with The Hartford experience:
If your agency is searching for a top-notch flood insurance program, please consider PIA’s program with The Hartford, now in its fourteenth year. The program is available to PIA members and their policyholders in all 50 states, the District of Columbia and Puerto Rico.
For more information about the PIA/Hartford flood insurance program, please visit www.pianet.com/hartfordfloodinsurance or contact Joseph M. Surowiecki, Jr. of The Hartford at 860-547-5006 or firstname.lastname@example.org.
Erica Meyer can help you with your travel plans.
Tell her you heard her about her in the PIANC newsletter for a discount.
PIANC has a new EO Company that can write your client’s Crop-Hail Coverage.
For Crop-Hail EO applications, please e-mail your contact information to: email@example.com.
PIANC now has a new EO Company application/policy for Real Estate sales agents and Realty Firms.
For EO application, please e-mail your contact information to: firstname.lastname@example.org.
For those NC Long Haul Trucking agents that have a problem getting EO, PIANC has a Company that will write EO for Long Haul Trucking agents.
For application, send your contact information to : email@example.com and yes we will need 5 year current loss runs and copy of expiring dec page attached to application.
Our NC Governor
Burr, Richard - (R - NC) Class III
217 Russell Senate Office Building Washington DC 20510
Tillis, Thom - (R - NC) Class II
185 Dirksen Senate Office Building Washington DC 20510
NC House of Representatives