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Option4.pngApril 2019 Edition


The Myth of Multiples in Agency

Whenever agency principals get together, the topic of agency valuations is sure to come up. Someone will start talking about an agency that sold at an unbelievably high multiple. Pretty soon, everyones nodding their head and saying theres a killing to be made selling your agency. These types of discussions tend to be long on conjecture and short on facts. If you are considering your perpetuation plan, learn the facts.  Read More


Political Clout: How Main Street Agent Groups Stack Up

The groups with the largest PACs develop and strengthen the most relationships and achieve the greatest results. Take a look at this comparison to see how much money Main Street agent PACs gave to your state Congressional delegation.  Read more

Interested in giving to InsurPAC?    Here's How


NFIP Reverses Mid-Term Cancellation Policy

FEMA has issued a bulletin stating that consumers cannot receive a refund for unearned premiums if they cancel a NFIP policy mid-term in favor of a private policy. If you sell Flood insurance, understand this policy to help your customers. Learn More


Do you know the Data Breach Laws in the States You Write Business?

All 50 states now have data breach laws in place, and several states have recently amended their statutes. Keeping up with the varying regulations in each of the states in which you write business can be a tough task, but we have a solution!  The ACT Agency Cyber Guide 2.0 is free to you as a member.  There is one particular resource that can help explain each states statutes; the Mintz Matrix.  This matrix details each states statute, the states definition of a breach, who is covered, how quickly businesses are required to notify customers of a breach, and potential penalties. Take advantage of this great member benefits!

Act Cyber Guide

Mintz Matrix


Is there Insurance Coverage for Sexual Assault?

With states implementing new legislation, civil suits stemming from these sexually-based offenses will flourish, exposing academic institutions, religious institutions, employers, and municipal entities to claims alleging negligence with respect to the hiring, supervision, and retention of the alleged perpetrators. Be sure you understand how this impacts your customers.  Read more


Are You In the Know About Cyber Crimes and their Impact on You and Your Clients?

Cryptomining. Ransomware. Business email compromise. Spear phishing. This is the new language of business risk, including your agency and your customers. Whether its a massive data breach that exposes customer information, or an automated ransomware attack that extorts bitcoin payments from a small business owner like yours, the cybercrime wave continues to swell. Stay on top of what is happening to protect your agency and to help your customers get the appropriate coverage.  Read more


Look who's betting on the agency system. . . .

According to some, buyers should all be online and the agency system should be dead by now. However, it appears not everyone got that memo. Check out these recent companies, techies and investors who betting on agents and brokers.  Learn more



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It takes professionalism, passion and energy to protect your interests and that is what IIAND brought to the table.

Through endless meetings and work, your peers (IIAND volunteers) were able to get through legislation that will allow you to charge fees on specific lines of business. 

Member agent Jon Erikson states, "I'm happy to hear that Insurance Agents in ND will be allowed to provide services to ND business owners for compensation on a fee basis. This will allow Insurance Agents to work together with their commercial clients to design an insurance and risk management program that serves the needs of the client."

He further states that "Agents must carefully consider working in this space however, and should discuss this type of service with their E&O Insurer and Company marketing representatives."

Read the Bill

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Bismarck, ND | June 12 - 13, 2019

Save the date for this great event!  More information to come.


YAC Sneaker Drive

April 1 - August 31, 2019

Help fight poverty by having a sneaker drive at your agency! Ask employees and clients to clean out their closets for any sneakers no longer being worn!  Learn more 


The Big "I" Legislative Conference

Washington, DC | May 8-10, 2019

Your voice matters. Will you talk to legislators about issues important to you and your clients?  Join us May 8-10 for the Big "I" Legislative Conference in Washington, D.C. and help make these issues top of mind for the nation's decision makers. ONLINE REGISTRATION DEADLINE is Friday, April 19, 2019.   Register Here


ACT Conference

Cincinnati, OH | May 20-21, 2019

Join us for the next Agents Council on Technology (ACT) Meeting in Cincinnati, Ohio in conjunction with NetVU's 2019 Accelerate Conference. This meeting will feature sessions on APIs (Application Programming Interfaces), IoT (Internet of Things), Data Analytics and Protection, Digital Survival in the Cyber Age, Small Commercial Rating, Agency/Carrier Partnerships and much more.  ACT Meetings are free for you, as an agent, as well as ACT supporting carrier and vendor members. Don't miss your opportunity to network with thought leaders while gaining insights on the industry's current and further direction. "  See More



Bismarck, ND | September 18-19, 2019

Save the date, more information to follow.



The Guy in the Bar is Back

Live Webcast

The guy in the bar is back. You know, the one who thinks he knows everything about everything, including insurance. Join David Thompson as he lets the guy talk, then explains whether the guy is right or wrong. Discussion topics include: guaranteed replacement cost, commercial property agreed value, auto agreed value vs. stated amount, uninsured motorist coverage, temporary substitute autos, flood insurance myths, and much more.  Earn 3 CE Credits.  Register Here.


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Become a Prairie Partner.  Click here.