South Carolina Agent & Broker Winter 2020

WINTER 2020 Meet Jay Taylor, CIC IIABSC Chairman of the Board IIABSC Annual Convention Highlights Five Workers Comp Errors Every Agent Makes When is an Illness or Disease Covered Under Workers’ Compensation





WINTER 2020 CONTENTS Independent Insurance Agents & Brokers of South Carolina 6 Meet Jay Taylor CIC, IIABSC Chairman of the Board 8 Message from the National Director 800 Gracern Road, Columbia, SC 29210 10 Build the Workforce of the Future with WAHVE 803-731-9460 12 IIABSC 2019 Annual Convention Highlights 16 Save the Date for 2020 Events e-mail: [email protected] 17 Spring Conference March 4-5 18 Five Workers Comp Errors Every Agent Makes IIABSC STAFF 21 When is an Illness, Sickness or Disease Covered Under Workers’ Compensation G. Frank Sheppard, AAI, CAE 23 Thank you Palmetto Partners (updated) President 24 E&O Roadmap to Cyber & Privacy Insurance ext. 1239 or 803.760.1239 • [email protected] 26 Education Designation Conferment 28 Agency Leadership Series, Columbia, April 1-2 Rebecca H. McCormack, CPCU, 30 AIAM 2020 Course Calendar CIC, AAI, AINS 31 Commercial Agent Training Vice President 32 MLIS – New Designation Program ext. 1238 or 803.760.1238 • [email protected] 33 Education Classroom Calendar 35 IIABSC Webcasts Megan Huebner 37 Member News Senior Director 40 Welcome New Members ext. 9463 or 803.731.9463 • [email protected] South Carolina Agent & Broker is the official magazine of the Independent Insurance Agents and Brokers of South Megan Thomas Carolina and is published four times annually. IIABSC does not necessarily endorse any of the companies advertising Director of Member Services in this publication or the views of its writers. ext. 1227 or 803.760.1227 • [email protected] Articles and information published in this magazine may not be reproduced without written consent of the IIABSC. South Carolina Agent & Broker is not responsible for unsolicited manuscripts, art or photography. The publisher Anita J. Trevino cannot assume responsibility for claims made by advertisers, content provided by the editor, or for the opinions Director of Communications expressed by contributing authors. ext. 1237 or 803.760.1237 • [email protected] For more information on advertising, contact Eric Johnson, Blue Water Publishers, LLC, 9406 N. 107th St., Milwaukee, WI 53224 • 414-708-2059 • fax: 414-354-5317 • [email protected] Martha Reid Education Coordinator ADVERTISER INDEX ext. 1219 or 803.760.1219 • [email protected] Tracy Guyette Administrative Assisstant/ RLI Contact ext. 9641 of 803.731.9461 • [email protected] Access Home Insurance (accesshomeinsurance.com) 25 22 Allstar Financial Group (allstarFG.com) 10 4 Allstar Underwriters, Inc. (allstarcondoinsurance.com) 11 Applied Underwriters (auw.com/us) 44 35 Assure Alliance (AssureAlliance.com) 38 Berkshire Hathaway GUARD Insurance (guard.com) 5 33 Builders Mutual Insurance (BuildersMutual.com) 20 FCCI Insurance Group (fcci-group.com) 29 7 Genesee Insurance (geneseeins.com) 19 39 Harford Mutual (HarfordMutual.com) 36 40 Jackson Sumner & Associates (jsausa.com) 9 3 4 South Carolina Agent & Broker • Winter 2020 2 27



JAY TAYLOR, IIABSC Chairman of the Board MEET JAY TAYLOR, CIC, IIABSC CHAIRMAN OF THE BOARDn January 1, 2020 Jay Taylor became the 73rd Chairman of the SC Big “I” and the first ever to serve from Beaufort. Jay is aand provide the absolute best native of Greenville, a graduate of Presbyterian College and an service to our customers. Our agency culture distinguishes us Oavid Clemson Tiger fan. Jay is the senior managing partner at and we plan to keep it that way. Kinghorn Insurance of Beaufort. What are you How did you get started at Kinghorn? involved in away from After graduating from PC, I moved to Beaufort to be near my dad and to look for insurance? a job. I met a lot of great people in the community – including Charlie Webb, the principal partner at Kinghorn Insurance of Beaufort. It took a little convincing, Our family attends The Parrish Church of St. Helena. I am a board member of but Charlie eventually offered me an opportunity to join the team at his agency. The Rotary Club of Beaufort and also a board member for the Beaufort County I really enjoyed agency work and became the commercial team manager in 2000 Chamber of Commerce. I have also been active with the Northern Beaufort and an agency partner in 2004. Charlie retired a few years ago, and I was blessed County United Way Annual Fund the Beaufort Academy Board of Trustees. to become the senior managing partner in a planned transition. Charlie still keeps tabs on the office though. INDUSTRY RECOGNITIONS: Jay has chaired the agent’s advisory Your agency team seems like a family! council for Selective Insurance and served on an agent’s council for Nationwide Insurance. He was recognized with IIABSC/AAMGA Achievement awards Well, we actually have some family members working together. But, yes, our entire in 2010 for his work with Trusted Choice and in 2013 as co-chair of the Young team is like a family and that really helps us embed ourselves in the community Agents Committee. Jay was also the 2011 IIABSC Young Agent of the Year. 6 South Carolina Agent & Broker • Winter 2020

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ASHLEY BRADY, CIC National Director NEW MEMBER BENEFIT: COMPLEMENTARY ACORD END USER LICENSING On Jan. 1, 2020, ACORD will begin charging all users of ACORD forms P&C revenue. Agencies with an End User License (EUL) fee including agents, brokers and carriers. As a less than $1 million in annual new benefit to agency members, our national association has negotiated an P&C revenue should use ACORD agreement with ACORD to fund end user licenses for the majority of our Advantage Plus, and Big “I members members, allowing them to claim a license free of charge. receive $20 off the EUL cost. Agencies with more than $1 million in P&C annual group gross revenue Our national association will cover the cost of EULs for new and renewing should use the ACORD Agent & Broker Redistribution Program, and the agency members with a group gross P&C revenue less than $50 million when national Big “I” does not cover any discounts for this program. Details on accessing forms via a management system or redistributor, or provide a either program can be found at accord.org/forms. discount when accessing directly through ACORD’s Advantage Plus Program. AT A GLANCE: Our general counsel has also reviewed the EUL agreement to ensure conditions are not onerous on our membership. Information shared with • IIABA is covering the EUL fee of agency members with annual P&C ACORD does not include any Personally Identifiable Information, so agencies gross revenue of <$50 million accessing ACORD forms via ams or do not have to worry about exposure nor third-party data compliance, nor authorized third-party. will they be required to submit financial statements to confirm their annual revenue. • IIABA members get discounts to access through ACORD Advantage Plus Program (for non-ams users with annual P&C gross revenue After Jan. 1, users will be directed by their ams providers to the ACORD <$1 million). Forms License website to register (if not already) and validate that they are a covered Big “I” member agency. This initial validation to obtain a license will • Only one representative per agency needs to obtain an ACORD need to be done annually. Not everyone in the agency needs to go through this license for the agency. Reps will validate their Big “I” membership process! ACORD confirmed that qualifying agencies should obtain their license during this annual process. at the company level, and that if there are different agency locations with the same name, only one license is needed to cover all locations. If an agency’s • Different locations that have the same name only need one license. different locations have different names or different agency management Different locations with different names or different ams systems systems, then each location will need its own license. will need their own license. If you have trouble with the membership validation process, meaning • If there are problems validating your Big “I” membership, contact ACORD does not recognize your agency as a qualifying Big I member, first ACORD first by calling 845-620-1700. If they determine the contact ACORD (845-620-1700). If they determine the issue is related to our problem is with our database, then email [email protected]. database, then email [email protected] for help. • Agencies do not need to worry about third-party data compliance If your agency doesn’t use an agency management system or other with ACORD, as no client PII will be accessible. authorized forms redistributor, there are two ACORD programs (with fees) you could use to access forms. Which program you use is based on agency 8 South Carolina Agent & Broker • Winter 2020

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BUILD THE WORKFORCE OF THE FUTURE WITH WAHVE By Deb Falco, Work at Home Vintage Experts 10 South Carolina Agent & Broker • Winter 2020

If you’ve ever spent an afternoon, weekend, or entire winter success of modern businesses. These workers do more break holed up in a cabin putting together a puzzle, you than complete the picture; their experience and knowledge know the joy of holding the last piece in your hand as you propel companies in new directions. get ready to snap it into place and see the complete picture. Or, maybe you’ve experienced the letdown of being one Baby Boomers often face job loss but aren’t ready to piece away from finishing the puzzle, only to find that the retire. Like the missing puzzle piece, they are waiting to missing piece isn’t anywhere to be found. be rediscovered and put to use. Whether they work full or part-time, many want to continue their careers, build Sadly, the missing puzzle piece doesn’t typically turn up financial stability and make a difference. – but you know it’s out there, somewhere. What happened to it? Is it truly lost? Or is it just waiting for you to discover So, instead of letting these valuable employees walk out it in a dusty corner behind the couch? the door, why not put them back to work? Redeploy these experienced workers in ways that take advantage of their Business today is much like the unfinished vast knowledge and business acumen. puzzle.  Missing pieces abound in every sector as a swell of qualified older workers change direction and exit the At WAHVE, we built our business on the belief that we workforce or are forced out of employment by companies can change the hiring -- and retiring -- conversation. We yielding to misguided beliefs that older workers can’t take know that keeping skilled professionals in the workforce businesses in a new direction, adapt to new technology or is a dynamic way to keep businesses running smoothly work energetically alongside younger generations. while meeting the work-life balance needs of those who are easing into retirement. The danger, of course, is that when the missing pieces add up, the puzzle becomes fragmented. In the office environment, important legacy knowledge walks out the door. Processes that were once quickly handled now become difficult and time consuming. Sometimes, nobody is left who knows how to do the work. Efficiency and customer service suffer. When we are missing part of the picture, we fail to achieve a well-balanced, well-oiled working environment. Older workers are essential to the Winter 2020 • South Carolina Agent & Broker 11

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Save the date events: for these upcoming Spring Conference March 4-5 Columbia Metropolitan Convention Center Columbia, SC YA Scholarship Golf Tournament April 28/May 5 Woodcreek Country Club Elgin, SC Young Agents Conference Aug. 6-9 Mariott Resort at Grande Dunes Myrtle Beach, SC Annual Convention Oct. 11-13 Grove Park Inn, Asheville, NC. 16 South Carolina Agent & Broker • Winter 2020

SPRING CONFERENCE MARCH 4-5 Columbia Metropolitan Convention Center, 1101 Lincoln St., Columbia, SC Returning to Downtown Columbia Wednesday This year’s event returns to the Columbia Metropolitan Convention Center 8:00 am–11:00 am in the Vista area of downtown Columbia. Within walking distance to the SC Early Bird CE State House and dozens of popular area restaurants, hotels and nightlife. 11:00 am–6:00 pm Exhibit Hall open all day Weds. Exhibit Hall open IIABSC Spring Conference offers valuable opportunities for insurance profes- 11:00 am–1:00 pm sionals to multiply their visibility, increase their knowledge, enhance industry Lunch with Exhibitors resources, and engage with exhibitors, new contacts and colleagues. Exhibit hall opens Wednesday morning and closes at 6:00 pm, with more than 60 1:00–2:45 pm carriers and vendors. View interactive booth layout map on our website and Opening General Session event app. 3:30–4:45 pm CE Sessions & SCDOI update Industry Issues Session Every Spring Conference includes up to four CE sessions on relevant topics 4:45–6:00 pm for all your agency’s employees, including young agents, producers, CISRs Exhibitor Appreciation Reception and principals. Thursday Make-A-Wish® South Carolina Wish Kid Send-off Party 9:00 am–Noon IIABSC and Trusted Choice® have been Make-A-Wish® sponsors for several Closing Session years. We have the privilege in 2020 of seeing our contribution in action by hosting a send-off/homecoming party for a SC Wish Kid. Door prizes & drawings Agent drawing cash prize drawn during the exhibitor reception and regular door prizes drawn in the exhibit hall and every CE session. Most exhibitors will also be giving away prizes of their own. Find up-to-date schedule and registration information at www.iiabsc.com Winter 2020 • South Carolina Agent & Broker 17

FIVE WORKERS COMP ERRORS EVERY AGENT MAKES By Chris Boggs, IIABA Virtual University Executive Director VIRTUAL UNIVERSIT Y. This article originally appeared on the Big “I” Virtual University. All IIABSC agency members have access to the Big “I” VU, an online resource of insurance, business and technology articles as well as ISO forms, white papers and other information on issues affecting today’s insurance marketplace. If they don’t already have an article dedicated to an issue you need help with, you can submit a question to the “Ask an Expert” forum, where you will receive answers from a panel of industry experts. Check it out now at iiaba.net/vu. Workers' compensation, from a coverage standpoint, is the simplest coverage iStockphoto.com/smolaw11 to understand and even explain. However, statutes and common laws serve to complicate the initial simplicity of workers' compensation. 5. Borrowed servants are direct employees of one entity working under the direct control of another entity. Although this is a dual employment Complexity breeds errors. Although this list does not present all the situation, when the worker gets hurt, the courts look at who was in possible mistakes agents make when writing workers' compensation, five control of the worker. This type of employee/employer relationship of the most common workers' compensation errors agents make revolve may require attachment of the Alternate Employer Endorsement to around: avoid “issues\" at the time of the injury. 1. Understanding who the insured is responsible for protecting via a 2. HOW ENTITY TYPES AFFECTS WHO COUNTS workers' compensation policy; AS AN EMPLOYEE 2. Realizing that legal entity type affects who counts as an employee; Deciphering status as an employee is first a function of who qualifies as 3. Correctly managing the exposures created by travelling employees; the employer. Two key points to consider when differentiating between an 4. Understanding combinability; and employer and an employee in workers' compensation: 1) The employer is 5. Preparing clients for the premium audit. generally not required to be protected by workers' compensation; and 2) The employer is always a “person.\" 1. WHO IS THE INSURED RESPONSIBLE FOR What is meant by, “the employer is always a person\"? Remember, in law there PROTECTING? are two types of persons: Insureds are potentially responsible for providing workers' compensation • Natural persons: Flesh and blood individuals generally exampled by benefits to potentially four types of individuals (employees): sole proprietorships, partnerships and LLCs in a majority of states (33 or 34); and 2. Direct employees. A “direct employee\" is a person hired to perform certain services or tasks for particular wages or salary under the direct • Legal persons: These are “persons\" created by law. They are born by the control of employer. These individuals are generally found on the filing of articles of incorporations or articles of organization. Examples insured's payroll records. include corporations, professional associations and LLCs in 16 or 17 states. It appears LLCs qualify as legal persons in Missouri. 3. Employees of uninsured subcontractors (“de jure\" employees). Forty-four states and the District of Columbia statutorily require an upper tier contractor to provide workers' compensation benefits to the employees of an uninsured lower tier contractor. Essentially, these are employees because the law says they are. 4. De Facto employees. Calling someone an “independent contractor\" does not necessarily make it so. Even if the individual is an “independent contractor\" by IRS standards, they may still be considered an “employee-in-fact\" under workers' compensation guidelines and laws. The facts of the relationship must be known. The key component of a de facto employee is control; how much control does the hiring party (employer) have over the worker (employee)? The more control over the worker's ways and means, the more likely the worker is a de facto employee. 18 South Carolina Agent & Broker • Winter 2020

With that as background, pinpointing who qualifies as an employee is More than easy. An employee is any natural person not qualifying as the employer. an account. Who is an Employee by Entity Type A relationship. • Sole Proprietorships: Everyone other than the sole proprietor; More than a policy. A promise. • Partnerships: Everyone other than the partners; • Limited Liability Company (LLC): It depends on the state. In At FCCI, we’ve been working with select independent agents to insure businesses for a majority of states, an LLC is treated like a sole proprietor or more than 60 years. Your clients are more partnership and everyone but the members and/or managers are than an account to us. We’ll work with you considered employees. Some states treat LLCs like corporations so they can face the future with confidence. making everyone an employee (even the members and/or managers) www.fcci-group.com 800-226-3224 • Corporations, Professional Associations: Everyone is an employee (even the “owning\" corporate officers). PROPERTY I CASUALTY I SURETY I RISK MANAGEMENT I SECTOR EXPERTISE 3. MANAGING THE EXPOSURE OF Winter 2020 • South Carolina Agent & Broker 19 TRAVELLING EMPLOYEES When employees travel to other states to work on a temporary basis, the potential to create workers' compensation coverage gaps, up to and including no coverage, is very real. Coverage gap problems live at the junction of two key concepts: 1) Extraterritoriality and 2) Reciprocity. Extraterritoriality relates to and is a function of the state from which the employees leave to perform work, let's call this the “sending\" state. The concept of reciprocity applies to the state to which the employee travels to work, this can be referred to as the “receiving\" state. Agents must know the answers to specific questions to assure coverage is in place for travelling workers (view chart addressing each state’s law on VU website): • Extraterritoriality: Does the “sending\" state's workers' compensation coverage follow the employee when he/she leaves the state to work? If so, are there any specific limitations on the extraterritorial benefits? Based on statute 42-15-10, South Carolina grants extraterritoriality, but the length is not specified. SC law does not apply unless there are 4 or more employees. • Reciprocity: How does the “receiving\" state view the workers' compensation coverage from the “sending\" state? Essentially, to answer the reciprocity question, you have to know the answer to two other questions: 1) Does the receiving state's workers' compensation law have jurisdiction over employees travelling into the state? and 2) Do the extraterritorial benefits of the workers' comp policy from the sending state satisfy the receiving state's workers' compensation statutes? Most states do not reciprocate at some level. Some don't reciprocate at all; some reciprocate unless the insured is in certain class codes (generally construction); some states on reciprocate if there is mutual reciprocation; and some states do not reciprocate based on the number of workers in the state or the length of time in the state. Based on the way statute 42-15-10 reads, it appears that SC will extend reciprocity but not in full, applying the amount recovered from the workers domicile state as an offset against the amount due under SC law. SC law does not apply unless there are 4 or more employees. 4. COMBINABILITY IN WORKERS' COMPENSATION Consolidating the loss experience of separate legal entities to develop a common experience modification factor has the potential to cause confusion for the client and sometimes the agent. Especially when you consider that combinability rules do not merely marry the experience Continued on page 20 >>

<< Continued from page 19 • Be prepared: Have all the records ready before the auditor arrives. This of related entities currently in operation, they also assure that owners do not includes: avoid historically poor loss records simply by closing down one entity and • Payroll Records reopening and operating under another corporate name. • Employee Records Common majority interest (not just ownership) is the basis for combinability. • Cash Disbursements \"Common majority interest\" can be accomplished applying one of several • Certificates of Insurance relational constructs: • OCIP Project Data • The corporation (a “legal person\") owns a majority interest in other • Get a copy of the auditor's work papers entities; • Treat the auditor well • The business' owner(s) (\"natural person(s)\") individually or collectively BRINGING IT TOGETHER maintain majority interest in more than one entity; Workers' compensation, as one of the few statutorily mandated coverages, • The corporation combines with some or all of its owners to hold a is deceivingly simplistic. Yes, the basic premise and even the coverage form majority interest in another entity; or are easily understood, but the practical application of statute and common law to workers' compensation requires close attention to how the policy is • The business owns a majority interest in another entity which, itself, constructed assure the best results for the insured. owns or owned a majority interest in a third entity currently operating Copyright 2019 Independent Insurance Agents & Brokers of America, Inc. All or which operated in the last five years. rights reserved. Reprinted with permission. Agents don't have the responsibility of deciding which entities are combinable, only the responsibility of notifying the authority having jurisdiction that entities may be combinable. Once the ERM-14 is complete, the authority having jurisdiction makes the final decision. 5. PREPARING CLIENTS FOR THE PREMIUM AUDIT To garner the best results, teach insureds to follow these “ABCs\" of premium audits: • Always be there: Don't push responsibility for working with the auditor down to the lowest possible level employee. Are You Standing Out or Standing Still? Berkshire Hathaway GUARD will help you rise Berkshire Hathaway above the competition. GUARD Insurance Apply now at www.guard.com/apply/ Companies The Security You Need. The Name You Trust. AmGUARD 1 EastGUARD 1 NorGUARD 1 WestGUARD 20 South Carolina Agent & Broker • Winter 2020 www.guard.com

VU:WHEN IS AN ILLNESS, SICKNESS OR DISEASE COVERED UNDER WORKERS’ COMPENSATION? By Chris Boggs, IIABA Virtual University Executive Director VIRTUAL UNIVERSIT Y. This article originally appeared on the Big “I” Virtual University. All IIABSC agency members have access to the Big “I” VU, an online resource of insurance, business and technology articles as well as ISO forms, white papers and other information on issues affecting today’s insurance marketplace. If they don’t already have an article dedicated to an issue you need help with, you can submit a question to the “Ask an Expert” forum, where you will receive answers from a panel of industry experts. Check it out now at iiaba.net/vu. Like work-related bodily injuries, illnesses, sicknesses and diseases must iStockphoto.com/Savany be considered “occupational\" to be covered by the workers' compensation policy. Before an illness or disease can be considered occupational and thus For example, black lung disease in the coal mining industry is peculiar to compensable under workers' compensation two tests must be satisfied: the work of a miner. Coal miners are subject to prolonged exposure to higher- than-normal concentrations of coal dust leading to black lung disease. This 1. The illness or disease must arise out of and be in the course and scope of makes the disease peculiar to the coal mining industry. the employment; and Another example of an exposure “peculiar\" to the work is a healthcare 2. The illness or disease must arise out of or be caused by conditions worker contracting an infectious disease such as HIV or hepatitis as a result “peculiar\" to the work. of contact with infected blood. The worker's unusual or “peculiar\" exposure to such diseases results in an illness that is occupational and compensable. Whether an illness arises out of and in the course and scope of employment is a function of the employee's activities. The simplest test toward determining Other illnesses often related to work include carpal tunnel syndrome, whether an injury “arises out of and in the course and scope of employment\" is hearing loss from noisy operations, asbestosis, silicosis, contact dermatitis to ask: Was the employee benefiting the employer when exposed to the illness (chemicals) and even Lyme disease (for employees working in wooded areas). or disease? State laws often play a part in this determination. Some illnesses less clearly attributable to conditions peculiar to the work include: Qualifying as “occupational\" is the simple part. It is more difficult to prove that the illness or disease is “peculiar\" to the work. If the illness or disease is not • Asthma: Often affects workers commonly around animal and plant peculiar to the work, it is not occupational and thus not compensable under products, wood dust, metals, cutting oils and other irritants; workers' compensation. An illness or disease is considered “peculiar\" to the work when such a disease is found almost exclusively in workers employed in • Bronchitis: Common among employees working around high a certain field or there is an increased exposure to the illness or disease because concentrations of acids, smoke and nitrogen oxides; of the employee's working conditions. • Hypersensitivity pneumonitis: Most often found in workers around \"No one “test\" is moldy hay and cutting oils; available to declare an illness or disease • Respiratory irritation and infections: Seen mainly in office workers compensable or non- arising out of indoor air pollution (a.k.a. sick building syndrome); compensable; each case is judged on its own Continued on page 22 >> merits and surrounding Winter 2020 • South Carolina Agent & Broker 21 circumstances.\"

<< Continued from page 21 • Does the employee have a predisposition to such illness; and • Skin cancer: Common in workers with long-term exposure to ultraviolet • Personal habits and medical history of the worker. light; • Brain and other tumors: Common among employee's with long-term WHICH POLICY RESPONDS TO QUALIFYING exposure to radiation; OCCUPATION ILLNESSES AND DISEASES? • Coronary artery disease: Mostly attributable to employees exposed to carbon monoxide and stressful working conditions; Once it is concluded the illness or disease if “occupational,\" which policy • Stress-related illnesses: Heart attacks, stroke and other such conditions; responds? Because occupational illnesses and diseases generally have long and “gestation\" periods, employees may be exposed to the harmful condition for • Eye and sight problems: Office-bound employees often experience eye many years before the illness manifests. It is also possible that the employee and sight problems due to the need to focus on a computer screen for doesn't contract the disease until years after the exposure ends. long periods. So, which workers' compensation policy responds? Easy! The workers' Qualifying an illness or disease as occupational and peculiar to the work may compensation policy specifically states that coverage is provided by the workers' ultimately require industrial commission or court intervention to differentiate compensation policy in effect at the employee's last exposure responds to the between medical opinion and legal facts. No one “test\" is available to declare illness — even if the employee is working for another employer or retired at the an illness or disease compensable or non-compensable; each case is judged on time the disease manifests itself. its own merits and surrounding circumstances. Copyright 2019 Independent Insurance Agents & Brokers of America, Inc. All rights reserved. Reprinted with permission. Concluding that an illness is occupational, peculiar to the work and ultimately compensable is not necessarily based on the disease in question but on the facts surrounding the worker's illness. Factors investigated and considered include: • The timing of the symptoms related to the work; • Co-workers showing similar symptoms; • Is the illness common to the industry; EVERY RISK IS AN OPPORTUNITY 12/5/19 2:32 PM COMMERCIAL TRANSPORTATION | BROKERAGE | MARINE PROPERTY & CASUALTY | SURETY | PERSONAL LINES (800) 666-5692 | JMWILSON.COM JM Wilson 100th-SC-AgentBroker7.675x5.indd 1 22 South Carolina Agent & Broker • Winter 2020

Participation deadline: January 30, 2020 Bankers Insurance Group ASSURE ALLIANCE AMERISAFE GeoVera Holdings Auto-Owners Insurance Gulfstream Property Imperial PFS - Premium Financing Berkshire Hathaway GUARD Ins. Co. & Casualty Insurance Insurance House Central Insurance Companies J.M. Wilson First Benefits Insurance Mutual Heritage Property The Main Street America Group Frankenmuth & Casualty Insurance The National Security Group Genesee General Prime Insurance Company Hanover Excess & Surplus Inc. Nationwide Insurance Travelers Penn National Insurance Zenith Insurance Company Pie Insurance St. Johns Insurance Company Selective Southern Insurance Underwriters State Auto Insurance TAPCO Underwriters, Inc. Winter 2020 • South Carolina Agent & Broker 23

E&O Roadmap to Cyber & Privacy Insurance E&O Loss Control Seminar Series There was a time when a business was more-or-less fully protected if it was covered by property insurance, general liability insurance, auto insurance, and workers compensation insurance. Those days have passed. A variety of emerging exposures now require special attention that these traditional policies simply do not adequately address. One of these most significant coverage gaps involves cyber exposures. This course is designed to help insurance agents and brokers prevent E&O claims that result when a client discovers that his or her cyber exposures were not adequately addressed by insur- ance or other risk management measures. $165 members/ $185 nonmembers filed for 6 hrs. P&C April 21, Greenville April 22, Columbia April 23, Charleston Register at www.iiabsc.com 24 South Carolina Agent & Broker • Winter 2020

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EDUCATION DESIGNATION CONFERMENT Congratulations to our newest designees! ASSOCIATE IN INSURANCE ACCOUNT MANAGEMENT Courses focus on the nontechnical skills of account management, to earn the AIAM designation, candidates attend six days of instruction followed by a single open-book exam after all classes are taken. Aimee Bolchoz, CISR, AIAM Brook Johnson, CISR, AIAM Susan Cosh, AIAM Grayson Schirmer-Jones, AIAM Traci Doutaz CISR, AIAM Liza Sheehan, AIAM Samaria Foxworth, AIAM Allyson Wynn, PLCS, AIAM CERTIFIED INSURANCE SERVICE REPRESENTATIVE CISR program stresses the understanding and analysis of risks and exposures. To earn the designation, participants must successfully complete five of the nine single-day courses offered, each followed by a closed-book exam. Sponsored by National Alliance for Insurance Education & Research. Jessy N. Adams, CISR James R. Galante, CISR Brittany H. Short, CISR Janice C. Austin, CISR Hollie N. Guffy, CISR Holly A. Smith, CISR L. Fernando Barrios, CISR J. Dillon Karnes, CISR Bonnie L. Strong, Michael Barwick, CISR Twyla M. Kelly, CISR CISR, CPCU Ryan M. Basnett, CISR Brittani T. Kersey, CISR Brenda L. Southerland, CISR Lauren P. Brashier, CISR Hannah A. Lane, CISR Kimberly O. Stone, CISR Lynn A. Buchholz, CISR Katherine P. LaTorre, CISR Eva M. Truesdale Conley, CISR Cassie Chappell, CISR Morn E. McQueeney, CISR Diane M. Walsh, CISR Haylie L. Croston, CISR Bob R. Moore, CISR Jack D. Walters, CISR F. Gregory Delleney, CISR Jenn L. Moyer, CISR Lynne M. Watson, CISR Jane B. Evans, CISR Michelle Pratz, CISR April Welch, CISR Taylor H. Freeman, CISR Grayson Schirmer-Jones, CISR Lindsay S. Fricks, CISR Jennifer H. Sharpe, CISR CISR ELITE Those with the CISR Elite designation have proved an ongoing commitment to professionalism. To earn Elite status, participants must attend and pass the exams for all nine CISR courses. Sponsored by the National Alliance for Insurance Education & Research. Naomi A. Aranda, CISR Elite Jeffrey C. Halseth, CISR Elite Emily A. McFadden, CISR Elite Sonya C. Aull, CISR Elite Connie L. Halstead, CISR Elite Lynn Queen, CISR Elite, CPIW Kayla Baker, CISR Elite Denise D. Huther, CISR Elite Diana Rideout, CISR Elite Lynne D. Burnett, CISR Elite Krista B. Juarez, CISR Elite Rosa M. Rivers, CISR Elite Jacqueline S. Clayton, CISR Laura J. Kennedy, CIC, CISR Jessica E. Smith, CISR Elite Elite Elite Stacy A. Wisdom, CISR Elite Harrison J. Dolyniuk, CISR Elite Tracy D. Mau, CISR Elite, CRIS Amy Beth Full, CISR Elite Heather McDougal, CISR Elite 26 South Carolina Agent & Broker • Winter 2020

CERTIFIED INSURANCE COUNSELOR CIC courses offer practical and relevant knowledge to keep insurance professional more competitive in meeting the changing needs of clients. To earn the CIC designation, participants attend five multi-day institutes and pass a closed-book exam after each. Sponsored by the National Alliance for Insurance Education & Research. J.D. Babuder, CIC Kristin A. Hayrinen CIC, CISR Teresa S. Brown, CIC, CISR Angela Limbaugh, CIC Heather Ceccacci, CIC, CISR M. Gema Rains, CIC, CISR Elite Courtney Cleveland, CIC, CISR Tom Roylston, CIC E. Paige Edwards, CIC, CISR, CLCS Missy L. Pfahler, CIC Jen S. Fischer, CIC, CISR M. Katherine Sosebee, CIC Vicki M. Ford, CIC, CISR Joy L. St. Martin, CIC, CISR Lauren H. Grant, CIC, CISR CERTIFIED RISK MANAGER CRM courses teach theories and concepts of insurance and risk management and allow participants to apply them to everyday risk practices. To earn the CRM designation, participants attend five two-day classes and pass a closed-book exam after each. Sponsored by the National Alliance for Insurance Education & Research Justin C. Felker, CIC, CRM Jeremy F. Zamorski, CIC, CRM, AU Edward Pardue Jr., CIC, CRM, ARM Joy L. St. Martin, CIC, CISR THE SMARTEST COVERAGE YEARS for beautifully unique South Carolina Founded 1999 Count on us at the time of greatest need. From the coast to far inland, UPC Insurance offers a variety of products designed for South Carolina. Smart coverage means offering up to 40% in discounts, competitive package endorsements including equipment breakdown coverage, and writing Dwelling Fire with wind in Zone 1 of the windpool. For more information contact: George Trunk, CIC South Carolina Territory Manager 803-367-2827 [email protected] HOMEOWNERS | CONDOMINIUM DWELLING FIRE | FLOOD Winter 2020 • South Carolina Agent & Broker 27

Agency Leadership Series Led by Jon Persky, CPA, CIC, PHR, Columbia, April 1&2 Optimum Performance Solutions, LLC $185 members/ $225 nonmembers (each session) Take one or both days PRICE INCLUDES LUNCH Agency Perpetuation Hiring, Managing & Evaluating Planning Workshop Insurance Agency Personnel April 1, Columbia, filed for 6 hrs. P&C April 2, Columbia, filed for 6 hrs. P&C Whether you are the sole owner of your agency or have a The biggest resource (and expense) an Insurance Agency partner, you should attend this class. If you are a buyer or po- has is its staff. Poor hiring decisions can be disastrous. How tential agency buyer, you should definitely attend this class. do you hire the right person the first time? This class will provide you with important insight as to: All agency owners need to consider what will happen to the agency in the event of their death, disability or retire- • Determining the right number of employees and what ment. Should you sell it to a family member, an employee, you want them to do your partner, or someone else? How much should you expect to be paid? What’s the process and when should you • How to develop good job descriptions get started? Do you have a comprehensive Shareholders’ • How to locate candidates and what to look for on Agreement? employment applications If you are thinking about buying an agency, you need to • What questions you should (and shouldn’t) ask understand the seller’s perspective, the items you should con- sider in making an offer, and what data you need to collect. during an interview process • Understanding the various federal employment laws 28 South Carolina Agent & Broker • Winter 2020 • Reference checking and testing candidates • Training and evaluating your employees • Ways to compensate your employees • When and how to terminate employees that don’t work out

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“Excellence through Education” DAY 1 (7 hrs. P&C ) A designation program for non-technical skills important in providing excellent customer service Columbia, March 18; Bluffton/Hilton Head, Dec. 2 Understanding Insurance Consumer Needs 2020 Course Calendar Examine how personalities affect the office, how to DAY 4 (2 hrs. P&C, 4 hrs. Ethics) recognize your co-workers’ and customers’ personality and communications styles so that you can increase effectiveness Greenville, April 8 in service provided. How Not to Get In Trouble With Your Mouth Best Practices in Customer Service Learn how to reduce the chance of an E&O claim by analyzing the causes of loss and implementing changes to prevent loss. Why service matters, and why it is never enough. Participants will learn how to build and maintain efficient and effective The Write Stuff levels of service. Proper grammar and style in all written forms reflects the overall DAY 2 (6 hrs. P&C ) professionalism of the agency, and one wrong or misplaced comma may give an entirely different meaning than the author Charleston, Feb. 12; Columbia, Oct. 20 intended. Mastering Time DAY 5 (6 hours P&C ) Most of us need better control of our time. It is our most precious resource, but one that is often wasted. Participants Charleston, May 19; Bluffton, July 23 will complete an in-depth time management profile and learn Regulation, Politics and Polish how to take better control of their time in order to be more productive both professionally and personally. Our industry is one of the most regulated around, and many agents are not familiar with the laws that affect their Organizational Workflow very livelihood. Learn why involvement in political action is important and some of the important business etiquette skills Organized and efficient workflow is essential to an agency’s that are crucial for today’s professionals. survival. Good workflows will protect against E&O claims, provide better customer service to insureds, and streamline Leadership is Everyone’s Job processes. Everyone needs to have basic leadership skills. Learn how the DAY 3 (6 hrs. P&C ) Best Practices materials go beyond supervision to show you how leadership can make a difference every day. Charleston, Nov. 17 Negotiating Conflict DAY 6 (2 hrs. P&C, 3 hrs. Ethics ) Learn how to negotiate well with clients and co-workers. Bluffton/Hilton Head, April 28; Greenville, Sept. 23 Determine how to prevent conflict before it starts, work well Ethics, Yesterday, Today and Tomorrow with others, and understand both sides of the story. This course will discuss where the study of ethics originated Professional Relationships in the Agency along with ethical situations that affect us today as insurance professionals. Also looks at state and federal laws affecting our As an insurance professional, you make a difference to your industry’s ethical behavior, the costs of unethical behavior and clients, underwriters and co-workers. Learn how to develop various approaches to ethical behavior. relationships and how they improve the effectiveness and 30 SsouuctchesCs aorfotlhineaagAegnecnyt. & Broker • Winter 2020 Changing Attitudes/Creating Opportunities This course will examine the various approaches to stress and how to determine which approach to use in each situation to reduce overall conflict.

Commercial Agent Training Coming this year to Columbia, Charleston & Greenville areas A three-day training series designed to help agents train new employees in commercial insurance, or as a refresher course for current employ- ees. The Commercial Agent Train- ing (CAT) series provides a broad understanding of the property and liability loss exposures faced by most commercial clients and the coverages used to protect them. Based on feedback from IIAB- SC members for training for newly licensed or less experienced em- ployees, the CAT series is designed to help build a strong foundation in commercial lines coverages. Participants attend one class per week for three weeks. At the com- pletion of all three days, participants earn a Certificate of Completion. It is also possible to only attend one or two sessions. Three classes, one day per week for three weeks Day One Day Two Day Three (6 hrs. P&C credit) (6 hrs. P&C credit) (6 hrs. P&C credit) • Commercial Property • Commercial General Liability Specialty Coverages: • Business Income • Commercial Auto • Crime Insurance • Inland Marine • Businessowners • Equipment Breakdown • Workers Comp February 11, Columbia February 18, Columbia February 25, Columbia August 4, Charleston August 11, Charleston August 18, Charleston October 14, Greenville October 21, Greenville October 28, Greenville Learn more/register at iiabsc.com/CAT

New designation program Sept. 23 Cyber & Privacy Liability Exposures and How to Insure Them The Management Liability Insurance Specialist (MLIS®) program is com- All companies using e-mail, take orders/collect data through their website, participate in posed of a curriculum focused on four social media, or use cloud services are exposed to significant potential first-party property specialty lines that are quite complex and third-party liability claims. This course looks at the exposures facing companies with a and where generalists often make errors detailed review of the policies designed to cover them. in designing programs for clients. It was created for retail insurance agents and May 14, Nov. 4 brokers and risk managers but would EPL: Understanding the Exposures and Insurance Coverage also be useful to surplus lines brokers and underwriters. Created by the Inter- This course gives a detailed look at the liability exposures leading to employment-relat- national Risk Management Institute, Inc., ed claims and the insurance policies that have been developed to cover them including a leader in risk management and insur- important common law exposures, statues, underwriting best practices, coverage terms and ance research and education for more analysis of exclusions and coverage triggers are included. than 30 years. July 16 Program Requirements: Fiduciary Liability: What You Need to Know To obtain the MLIS designation, you must complete the five core courses and pass the This course takes a detailed look at the fiduciary liability exposures that were created by corresponding online examinations (with a the Employee Retirement Income Security Act (ERISA) of 1974 and reviews the insurance minimum score of 70%) within five years. policies that have been developed to cover these liability exposures. Includes basic fiduciary Exams are taken online at the attendee’s con- duties, types of pension and benefit plans included and claims exposures of these duties. venience once the class has been completed. Also includes underwriting, methods of controlling exposures, and how to coordinate with Exams are not given in class. Class registra- other liability insurance policies. Specific provisions within the fiduciary liability coverage tion includes the exam fee. form are also discussed, including insuring agreements, covered persons/organizations, Each course is independent of the others provisions pertaining to status changes, key definitions, limits/deductibles, conditions, and you may complete them in any order exclusions, and coverage triggers. you choose. To maintain the MLIS certification, you will July 15, Nov. 5 have 24 months to complete three hours How to Insure D&O Liabilities of approved MLIS continuing education credits. After that, you must complete three Directors and officers of for-profit, publicly held corporations and not-for-profit corpora- hours each year. You may obtain this CE tions face a number of legal liability exposures. This course looks at the key provisions with- credit by attending approved MLIS courses, in a directors and officers (D&O) liability insurance policy and how they function within or completing online MLIS courses. various claims scenarios. Topics discussed include: All classes to be held at • key insuring agreements, IIABSC Office in Columbia • covered persons, organizations, and acts provisions, • two of the policy’s most important defined terms: “covered damages” and “covered & filed for 6 hrs. P&C losses,” 32 South Carolina Agent & Broker • Winter 2020 • defense coverage provisions and defense procedures, • policy limits, retentions, and coinsurance provisions, • conditions and exclusions, • claims-made coverage trigger provision. May 13, Sept. 24 Understanding D&O Exposures Directors and officers of for-profit, publicly held corporations and not-for-profit corpora- tions face a number of legal liability exposures. This course looks at the following exposures: • the common law and statutory legal liability exposures to which the directors and officers of publicly held corporations are subject; • legal defenses available to directors and officers when a claim is made against them • the types of situations that give rise to these claims; • the factors that insurers consider when underwriting directors and officers (D&O) policies for publicly held and privately held companies; • the most effective methods of preventing and controlling claims against corporate directors and officers.

EDUCATION CLASSROOM CALENDAR View up-to-date calendar, course descriptions and register using our online Education & Event Calendar at www.iiabsc.com/education JANUARY 13 CIC Personal Lines Institute, Myrtle Beach, 16 hrs. P&C 16 CISR Agency Operations, Columbia, 1 hr. Ethics and 6 hrs. 18 AIAM 1 Understanding Consumer Needs/Customer P&C or L&H Service, Columbia, 6 hrs. P&C 21 CISR Insuring Commercial Casualty II, Greenville, 7 hrs. 19 CISR William T Hold Seminar, Greenville, 6 hrs. P&C P&C 24 CISR Insuring Commercial Casualty I, Columbia, 7 hrs. FEBRUARY P&C 05 CISR Elements of Risk Management, Charleston, 7 hrs. 25 CISR Agency Operations, Florence, 1 hr. Ethics & 6 hrs. P&C P&C or L&H 11 Commercial Agent Training 1, Columbia, 7 hrs. P&C APRIL 12 AIAM 2 - Time Management/Organizational Workflow, 01 CISR Insuring Personal Residential Property, Rock Hill, Charleston, 6 hrs. P&C 7 hrs. P&C 18 Commercial Agent Training 2, Columbia, 7 hrs. P&C 19 CISR Insuring Personal Auto, Bluffton, 7 hrs. P&C 01 Agency Perpetuation Planning Workshop, Columbia, 25 Commercial Agent Training 3, Columbia, 7 hrs. P&C 6 hrs. P&C MARCH 02 Hiring, Managing & Evaluating Insurance Agency Personnel, Columbia, filed for 6 hrs. P&C 10 CISR Life & Health Essentials, Myrtle Beach, 7 hrs. L&H 08 AIAM 4 How Not to get in Trouble with Your Mouth/Write Stuff, Greenville 2 hrs. P&C and 4 hrs. Ethics 08 CISR Insuring Commercial Casualty II, Charleston, 7 hrs. P&C Insuring the life you live and the home you live in for over 60 years. National Security has provided competitive, affordable insurance to policyholders for over 60 years. We also provide our agents with competitive commissions, excellent customer service and experienced company adjusters. As a Southeastern based regional company, National Security prides itself on fast, efficient service from a friendly small town company. Our agent website provides fast quotes, online policy issuance, and real-time policy information. Find out more about our products by calling 1-800-239-2358 or visiting nationalsecuritygroup.com. Elba, Alabama Dwelling Fire • Limited Homeowners • Comprehensive Mobile Homeowners • Vacant Property • Life & Health Winter 2020 • South Carolina Agent & Broker 33

15 CIC Ruble Graduate Seminar, Myrtle Beach, TBD 26 CIC Commercial Casualty Institute, Charleston, 21 E&O Roadmap to Cyber & Privacy Insurance, Greenville, 16 hrs. P&C 6 hrs. P&C SEPTEMBER 22 E&O Roadmap to Cyber & Privacy Insurance, Columbia, 16 CISR Personal Lines-Miscellaneous, Bluffton, 7 P&C 6 hrs. P&C 22 CISR Elements of Risk Management, Greenville, 7 P&C 23 E&O Roadmap to Cyber & Privacy Insurance, Charleston, 23 AIAM 6 Ethics/Changing Attitudes and Creating 6 hrs. P&C Opportunities, Greenville, 2 hrs. P&C and 3 hrs. Ethics 28 AIAM 6 Ethics/Changing Attitudes and Creating 23 MLIS Cyber & Privacy Liability Exposures and How to Opportunities, Bluffton, 2 hrs. P&C and 3 hrs. Ethics Insure Them, Columbia, filed for 6 hrs. P&C 24 MLIS Understanding D&O Exposures, Columbia, filed for MAY 6 hrs. P&C 06 CISR Insuring Commercial Casualty I, Bluffton, 7 hrs. P&C 29 CISR Life & Health Essentials, Columbia, 7 hrs. L&H 07 CISR Personal Lines-Miscellaneous, Greenville, 30 CIC Insurance Company Operations Institute, Columbia, 7 hrs. P&C 16 hrs. P&C 13 MLIS Understanding D&O Exposures, Columbia, filed for OCTOBER 6 hrs. P&C 14 MLIS EPL: Understanding the Exposures & Insurance 06 CISR Insuring Commercial Casualty I, Charleston, 7 hrs. P&C Coverage, Columbia, filed for 6 hrs. P&C 19 AIAM 5 Regulation, Politics & Polish/Leadership, 14 Commercial Agent Training 1, Greenville, 7 hrs. P&C 20 AIAM 2 Time Management/Organizational Workflow, Charleston, 6 hrs. P&C 20 CISR Insuring Personal Auto, Columbia, 7 hrs. P&C Columbia, 6 hrs. P&C 21 Commercial Agent Training 2, Greenville, 7 hrs. P&C JUNE 22 CISR Insuring Personal Auto, Florence, 7 hrs. P&C 28 Commercial Agent Training 3, Greenville, 7 hrs. P&C 16 CISR Insuring Commercial Property, Florence, 7 hrs. P&C 17 CIC Commercial Multiline Institute, Greenville, NOVEMBER 16 hrs. P&C 04 CIC Commercial Property Institute, Hilton Head, 24 CISR Personal Lines-Miscellaneous, Charleston, 16 hrs. P&C 7 hrs. P&C 04 MLIS EPL: Understanding the Exposures & Insurance Coverage, Columbia, filed for 6 hrs. P&C JULY 05 MLIS How to Insure D&O Liabilities, Columbia, filed for 15 MLIS How to Insure D&O Liabilities, Columbia, filed for 6 hrs. P&C 6 P&C 10 CISR Insuring Commercial Property, Columbia, 7 hrs. P&C 15 CISR William T Hold Seminar, Charleston, 6 P&C 11 CISR Agency Operations, Myrtle Beach, 1 hr. Ethics and 16 CISR Insuring Commercial Property, Greenville, 6 hrs. P&C or L&H 7 hrs. P&C 17 AIAM 3 Negotiating Conflict/Professional Relationships, 16 MLIS Fiduciary Liability: What You Need to Know about Charleston, 6 hrs. P&C Exposures & Insurance, Columbia, filed for 6 hrs. P&C 18 CISR Agency Operations, Rock Hill, 1 hr. Ethics and 23 AIAM 5 Regulation, Politics & Polish/Leadership, 6 hrs. P&C or L&H Bluffton, 6 hrs. P&C DECEMBER AUGUST 02 AIAM 1 Understanding Consumer Needs/Customer 04 Commercial Agent Training 1, Charleston, 7 hrs. P&C Service, Bluffton, 6 hrs. P&C 11 Commercial Agent Training 2, Charleston, 7 hrs. P&C 18 Commercial Agent Training 3, Charleston, 7 hrs. P&C 03 CISR Insuring Personal Residential Property, Columbia, 19 CISR William T Hold Seminar, Columbia, 6 hrs. P&C 7 hrs. P&C 20 CISR Insuring Commercial Property, Myrtle Beach, 09 CISR Insuring Personal Auto, Greenville, 7 hrs. P&C 7 hrs. P&C 25 CISR Life & Health Essentials, Charleston, 7 hrs. L&H 34 South Carolina Agent & Broker • Winter 2020

IIABSC WEBCASTS Torts, Negligence and Legal Liability (Basic) — 3 hrs. P&C Understanding the Insurance Industry, From Regulations to New to ABEN? We are so sure you will love Operations (Basic) — 3 hrs. P&C our webcasts that IIABSC will give you 40% The Basics of Commercial Property Underwriting and Rating: off your first purchase! Use Code 1stABEN COPE (Beyond) — 3 hrs. P&C at checkout to receive your discount! The Basics of Contractual Risk Transfer, Addl Insureds and Certificates of Insurance (Beyond) — 4 hrs. P&C iiabsc.aben.tv The Basics of Property Values and Coinsurance Conditions (Beyond) — 3 hrs. P&C The Additional Insured Illusion — 2 hrs. P&C Premium Auditing, What Every Agent Must Know (Beyond) — Flood Program Overview: NFIP Then & Now — 3 hrs. P&C 2 hrs. P&C Guy in the Bar is Back — 3 hrs. P&C Insurance and BBQ, The Hidden Connection — 3 hrs. P&C ERRORS & OMISSIONS SC Surplus Lines License Review Course — 3 hrs. P&C Shake, Rattle & Roll With It: Earthquake Basics — 1 hr. P&C E&O Risk Management, Meeting the Challenge of Change Part When Disaster Strikes: Lessons Learned from the Front Lines — 1 — 3 hrs. P&C 4 hrs P&C E&O Risk Management, Meeting the Challenge of Change Part 2 — 3 hrs. Ethics BIG “I” BASICS & BEYOND E&O Roadmap to Policy Analysis, Part I — 3 hrs. Ethics E&O Roadmap to Policy Analysis, Part II — 3 hrs. P&C The Law of Insurance Contracts and the Rules of Policy Interpretation (Basic) — 3 hrs. P&C Continued on page 36 >> Risk MInasn_haaglfeHm_gerenetn&.pdInfsur1anc2e/:2W4/1h9y A1g0e:n21tsPAM re NOT Risk Managers (Basic) — 3 hrs. P&C Are you compliant? S.C. INSURANCE DATA SECURITY ACT Deadline for compliance is July 1, 2019 We are prepared to implement information security programs for your business. M O ering advice and legal representation in the elds of: Y ◦ Information Security ◦ Compliance Y ◦ Risk management ◦ Privacy Y ◦ Data breach Jamie A. Khan, CIPP/US MK Attorney McCullough Khan, LLC 843.937.0400 ATTORNEYS AT LAW McCullough Khan, LLC • 359 King Street, Suite 200 • Charleston, SC • mklawsc.com Winter 2020 • South Carolina Agent & Broker 35

ETHICS Data Privacy Insurance — 2 hrs. P&C Directors and Officers Liability Insurance — 2 hrs. P&C Agency Management Based E&O and Ethics — 3 hrs. Ethics CE The E-world for Insurance Professionals — 3 hrs. P&C Ethical Issues - Personal & Organizational — 3 hrs. Ethics Emerging Work Comp Risks and Trends that Threaten Agents & Professional Ethics in the Insurance Industry — 3 hrs. Ethics Their Clients — 3 hrs. P&C Home-based Business Exposures — 2 hrs. P&C COMMERCIAL LINES Insurance and the Property Lease — 2 hrs. P&C Liability Issues to Worry About — 2 hrs. P&C Agent Friendly Endorsements for CGL & BAP Forms — 2 hrs. Top 10 Work Comp Risks Employers Unknowingly Assume — P&C credit 2 hrs. P&C BAP Symbols and Endorsements — 1 hr. P&C Umbrella/Excess: A Blanket of Protection — 2 hrs. P&C Building Codes are BAD for Insureds — 2 hrs. P&C credit Workers Comp, Beyond the Basics — 3 hrs. P&C Business Auto Claims that Cause Problems — 2 hrs. P&C credit Business Income: Beyond the Basics — 3 hrs. P&C credit PERSONAL LINES Business Income, Extra Expense, Off-Premises Utility Failure and Spoilage Coverage — 1 hr. P&C Hot Topics in Personal Lines — 2 hrs. P&C Certificates of Insurance Emerging Issues — 3 hrs. P&C credit Insuring Condominiums — 2 hrs. P&C Commercial Lines Myths, Part I — 1 hr. P&C credit Personal Lines Myths, Part I — 1 hr. P&C Commercial Property Endorsements That Can Make You Money Rental Cars: More Than Meets the Eye — 2 hrs. P&C — 2 hrs. P&C credit Those Kids and Their Cars — 2 hrs. P&C COPE: Property Underwriting and Effective Loss Control — 2 hrs. P&C credit LIFE & HEALTH Cyber Security and Insurance Risk Management: Training for Agents & Brokers — 2 hrs. P&C Innovations in Long Term Care Funding with Life Insurance — 3 hrs. L&H Long Term Care Insurance — 2 hrs. L&H Retirement Planning and Annuities — 2 hrs. L&H Top 5 Life Insurance Uses — 2 hrs. L&H VIRTUAL UNIVERSITY MONTHLY WEBINARS (REGISTER USING IIABSC ONLINE EDUCATION CALENDAR) In the Aftermath of the Storm — 2 hrs. P&C Five Contactor Coverage Concepts — 2 hrs. P&C Four Personal & Commercial Exposures Every Agent Must Understand — 2 hrs. P&C Three Keys to Getting the Named Insured Correct — 2 hrs. P&C 36 South Carolina Agent & Broker • Winter 2020

MEMBER NEWS IIABSC EDUCATION DEPT. HONORED WITH 8TH CONSECUTIVE DIAMOND EXCELLENCE IN EDUCATION AWARD IIABSC was honored with IIABSC President Frank Sheppard, Education Coordinator Martha Reid and Vice its eighth consecutive IIABA President Becky McCormack accept the association's eighth consecutive EIE Diamond Excellence in Education for significant contributions to industry education. Diamond Award at the IIABA Fall Leadership Conference in Savannah, Georgia. Known as the EIE Awards, 2019 AWARD WINNER they celebrate and recognize state associations who have made significant contributions to education for their members and the industry in the key areas of class offerings, continuing education, professionalism, designation offerings, industry collaboration, planning, marketing and resources. Diamond is the highest level of recognition. \"IIABSC concentrates our time and energy on high-quality education offerings rather than jumping on the bandwagon of fast, cheap and easy,\" said IIABSC Vice President Becky McCormack. \"Our programs make our members better at what they do, and therefore a better choice for their customers.\" PLATINUM PARTNER AWARDED IIANC 2019 BROKER OF THE YEAR Jackson Sumner & Associates was named the 2019 NC Broker of the Year at the IIANC Annual Convention in Myrtle Beach, South Carolina. Each year the recipient is voted on by the membership; this is the third time JSA has won. Accepting the IIANC 2019 Broker of the Year award in Myrtle Beach are (L to R) JSA Chairman, Wayne Sumner; Agency Operations Manager, Scott Banks; Network Administrator, Jon Dehen; NC Marketing Rep, Kimberly Bull; P&C Underwriter, Haley Everett; SC Marketing Rep, Brantley Saunders; and Content & Communications Coordinator, Mandy Marxen. Winter 2020 • South Carolina Agent & Broker 37

2020 BOARD OF DIRECTORS Executive Committee Directors Chairman National Director J. Derrik Chandler Andrew E. Muller, CIC, AAI, James G. Taylor, Jr., CIC (Jay) Ashley Brady, CIC Chandler Insurance CWCC, PRIS Kinghorn Insurance Agency First Charter Company, Inc. Greenville, SC Mappus Insurance Agency Inc. of Beaufort Marion, SC [email protected] Charleston, SC Beaufort, SC [email protected] [email protected] Brian W. Eanes, CIC, CLCS [email protected] Immediate Past Chairman Anderson Insurance Associates Chairman Elect/ Treasurer Tom Bates, Jr. Charleston, SC Benjamin C. Myers, AIP (Ben) Tonya S. Thomason, CIC AssuredPartners [email protected] Russell Massey & Co. Inc. David A. Crotts & Associates Greenville, SC Columbia, SC Greenwood, SC [email protected] Kelly Frontroth, API, AAI, CPIW [email protected] Hutson-Etherredge Companies [email protected] Aiken, SC Secretary [email protected] Renado Robinson Robert E. Nalley (Robbie) Crosswinds Insurance Agency, Creech Roddey Watson Marion F. Inabinet, III, AAI (Buck) LLC Insurance Taylor Agency Fort Mill, SC Sumter, SC Summerville, SC [email protected] [email protected] [email protected] Hilary McCarthy, AIAM Julie B. Turner, CIC Carrie Johnson Insurance The Turner Agency Murrells Inlet, SC Greenville, SC [email protected] [email protected] Practical Solutions 11/26/19 2:15 PM for Unique Needs Specializing in: • property & caSualty • tranSportation • garage • profeSSional liability Send new submissions to: [email protected] 800-873-8374 | www.mjkelly.com 38 MJSKo_SuCtAhIIAC_Haarlof-Plign-AadA_DgEeC1n9t.in&ddB1roker • Winter 2020

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Winter 2020 • South Carolina Agent & Broker 41

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