The Underwriter's Insider April 2016 by The Underwriter's Insider

IN THIS ISSUE April 2016 Vol 12 Issue 3

Feds Bust $100 Million N. Carolina Crop Insurance Fraud Scheme

An investigation revealed an organized scheme to defraud the crop insurance program.

NJ Alerts Brokers: Falsyfying Insurance Certificates is Fraud Providing or demanding the issuance of a certificate of insurance that contains any false or misleading information is now fraud under the new law.

Facebook is Watching & Tracking You Much More Than You Realize

“This crime was uncovered by an alert consumer and their insurance agent who recognized unauthorized activity on the consumer’s annuity investment.”

An Insured Can Only Kill A Child Once - Expert Analysis by Barry Zalma

I’m pretty sure I can remember the first time I heard the word “disruption.” My mother read it to me from my 3rd grade report card and it referred to my classroom behavior. It was not a compliment.

Pennsylvannia Announces $185M In Restitution to Consumers in 2015

Alleged Blue Cross/Blue Shield Scammer Arrested 100’s of fake claims... The former Blue Cross Blue Shield of Florida (BCBS) business analyst allegedly defrauded BCBS of nearly $40,000...

NAIC Releases Market Share Data The property/casualty report contains cumulative market share data for the following lines of business: personal auto, commercial auto, W/C, medical professional liability, homeowners and other liability.

Agent Charged In Theft of Premiums Gregory Guzman, 50, of Spokane, was charged with two counts of second-degree theft. Guzman formerly worked as an insurance agent in Spokane, WA.

Vertafore Acquires Keal Technology Vertafore, the leader in modern insurance technology, today announced the acquisition of Keal Technology, a leading provider of broker and commercial management systems in Canada.

Commissioner Miller said that throughout 2015, the Insurance Department helped 12,307 consumers around Pennsylvania receive some form of restitution.

Almost every liability insurance policy contain a per-occurrence limit of liability and an aggregate limit of more than one person is injured by the same occurrence.

Digital Disruption Spotlight on Vertafore

Philip Vasali Acquires 100% of We Insure Stock - Plans Major Expansion

Page 9

Philip Visali, President and CEO of We Insure Group, Inc. (WE), announced that he has purchased all the shares of We Insure Group.

Sometimes it seems like Facebook knows you personally, and that’s because it does. It has algorithms that track what you like, watch and click on. - Kim Komando

Alert Insurance Agent Helps Uncover Client Identify Theft

Auto Emergency Braking Coming To 20 Makers Au t o m a t i c Emergency Braking (AEB) is coming to 20 auto makers by 2020.

North Carolina Agent Charged With Embezzlement He is charged with one count each of embezzlement by an insurance agent, financial card fraud and obtaining property by false pretense.

Accuauto is Now Accuagency - Brand Update

Don’t worry – Democrats and international leftists will continue to promulgate the myth of culticulturalism and diversity, and so damn their constituents to a higher possibility of death at the hands of Islamic terrorists.

Assurance Systems, announced this week an official branding change from AccuAuto to AccuAgency as of January 1, 2016.

Florida Passes Legislation Protecting Consumers From Surprise Med Bills Florida Legislature’s passage of legislation that puts an end to balance billing in most scenarios.

Gender Pay Gap - The Politically Incorrect Truth

Husband & Wife Insurance Team Charged With Fraud The Espino’s were both ointed insurance agents by Farmers Insurance when they allegedly committed fraud.

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Marsh & McLennan Acquires Florida’s Celedinas Insurance Group Marsh & McLennan Agency the middle market agency subsidiary of Marsh, announced it has acquired Celedinas Insurance Group, one of Florida’s largest i n d e p e n d e n t agencies

When politicians talk about gender pay gap, they are too cowardly to admit a gender value gap...

Emory U Students Traumatised by Trump Supporters - Poor Babies... An Emory University student, briefly poking her nose out from her safe space, and being immediately assaulted by chalk drawings on campus saying, “TRUMP 2016.

Unbelievable Vintage Ads This One is Funny! Nothing illustrates the changes in our national culture better than vintage ads from the Mad Men era.

Islamophobia Kills 36 In Brussels - Oh Wait - No It was Radical Islam!

NC Arrests 5 In Three Staged U-Haul Accidents NC announced the arrests of five Wilmington women in connection with an alleged staged auto accident ring.

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NEWS

FEDS BUST $100 MILLION NORTH CAROLINA CROP INSURANCE FRAUD SCHEME Fraud Ring Alleged To Involve Dozens of Agents, Adjusters, Brokers & Farmers

aleigh, N.C. Back in 2005, someone down at the Federally backed crop Insurance program suspected that something was amiss in the claims data. Using some sophisticated software, they analysed reams of data, looking for anomalies that might indicate fraud. One agent’s name kept coming up: Robert Carl Stokes, a Wison, N. Carolina crop insurance agent whose clients seemed to consistently suffer crop losses year after year.

Thomas Sasser received 4 years in prison and was orderd to pay $21 million in restitution for his part in the ongoing schemes.

According to authorities, Sasser obscuring the proceeds to the took payoffs from claimants from famer/claimant. $400 to $2,000 to falsify claims Crop insurance while working with Stokes was Stokes and another fraud is the convicted convicted agent, in 2011 to same as Mark Davis Pridgen. two counts mortgage fraud and of conspiring to health care fraud. It’s According to make false Thomas Walker, a all about greed and statements U.S. attorney for stealing from the and a money the Eastern District laundering taxpayer.” of N. Carolina, charge resulting in ““Crop insurance 30 months in a federal penitentary. fraud is the same as mortgage He must also re pay $16.5 million in fraud and health care fraud. It’s all court-ordered restitution. about greed and stealing from the taxpayer. We aggressively pursue Five years later, similar frauds these criminals just like we pursue continue seemingly unabated. drug dealers and other crooks.” Just last month, adjuster Jimmy

An investigation revealed an organized scheme to defraud the crop insurance program where Stokes encourged his farmer clients to purchase large policies and claim large losses - even when they had a healthy bumber crop. Certain corrupt ajusters also participated in the scheme. Agent Stokes then arranged to have their crop sold via a straw man in an ancillary scheme, keeping a percentage for himself and 4

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April 2016

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Or visit www.rockwoodinsurance.com April 2016

NEWS

NJ ALERTS BROKERS: FALSIFYING INSURANCE CERTIFICATES IS FRAUD

RENTON - The Christie Administration today alerted insurance agents, contractors and other interested parties in the State that falsifying certificates of insurance is now considered insurance fraud under the provisions of a new State law.

false or misleading information in these documents,” said Department of Banking and Insurance Acting Commissioner Richard J. Badolato.

“Previously, unscrupulous actors were able to use fraudulent insurance certificates to falsely maintain they had liability The Certificates of Insurance coverage, and if a disaster or Act, P.L. 2015, c.195, signed into accident occurred, there was no law by Governor Chris Christie insurance coverage. This law will on January 11, makes providing be one more tool to prevent that or demanding the issuance of and provide more protection to a certificate of insurance that consumers.” contains any false or misleading information concerning property The certificate is generally issued or casualty insurance coverage to the insured or a third party a violation of the New Jersey who wants some assurances Insurance Fraud Prevention Act that a policy covering certain (“Fraud Act”), N.J.S.A. 17:33- property or casualty coverages 4a(6). Violations of the Fraud has been issued. Act are punishable by civil and administrative penalties of up to The law specifies that a person $5,000 for a first violation, up to who prepares, presents or causes $10,000 for a second violation, to be presented to any insurer and up to $15,000 for a third or other person, or demands violation. The new law goes into or requires the issuance of, a effect on April 10. certificate of insurance that contains any false or misleading “We are informing agents, information concerning the brokers, insurance companies, policy of insurance to which the contractors and any other parties certificate makes reference, or who issue or use certificates assists, abets, solicits or conspires of insurance that it is now a with another to do any of these violation of State civil insurance acts, has committed a violation fraud laws to request or provide of the Fraud Act. www.underwritersinsider.com

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April 2016

INSURANCE • POLITICS • TECNOLOGY • PEOPLE A Publication of AdMax Corp., Inc. Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Publisher/Senior Editor Join Me On Linkedin: HERE Follow Me On Instagram: @rmanera 561.718.0745 • ron@insurmedia.com

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TECHNOLOGY

FACEBOOK IS WATCHING AND TRACKING YOU MUCH MORE THAN YOU REALIZE

Really Cool Info - by Kim Komando

henever you’re on Facebook, do you ever get the feeling that you’re being watched? An ad pops up that’s right up your alley, or three new articles show up in your feed that are similar to something you’ve just clicked on.

When Facebook first started out, people rushed to the platform because of the many perks that it offered. One of those perks, and probably the most appealing, was the fact that Facebook was

Sometimes it seems like Facebook knows you personally, and that’s because it does. It has algorithms that track what you like, watch and click on. That information is then passed along to Facebook advertisers. Facebook itself isn’t the only culprit. Tons of companies use Facebook’s platform as a way to track you. In fact, right now there a probably dozens of companies that are watching your posts, storing your profile information and more, without you even realizing it. Today, I’m going to tell you how to stop it.

People realized that Facebook provided a treasure trove of information for advertisers. By clicking “like” users were telling companies exactly what they wanted - more of this, less of that, please. This led to the big data tracking we now see. Three sneaky ways companies are tracking you:

Most people understand that Facebook is tracking their preferences whenever they use the app. But, few realize they’re being tracked in other ways too. And, that’s what these third-party companies are banking entirely ad-free. You could use on. If you don’t know you’re being the platform to connect with tracked, then you won’t ask them family and friends without being to stop. So, here are three things bothered by someone trying to to watch out for. sell you something.

How did this happen in the first place? Well, like they say, “All good things www.underwritersinsider.com

must come to an end.” Eventually, Facebook began selling ads like everyone else. And that’s when everything changed.

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See Kim Komando Pg 45 April 2016

INSURANCE & THE LAW

AN INSURED CAN ONLY KILL A CHILD ONCE Expert Analysis & Commentary by Barry Zalma, Esq., CFE

hen a person is injured or killed as the result of the negligence of another an insurer is obligated to defend and indemnify its insured up to the limits of liability of the insurance policy. Almost every liability insurance policy contain a per-occurrence limit of liability and an aggregate limit of more than one person is injured by the same occurrence.

old Ja’Corey Davis died from asphyxiation after swallowing and choking on a push-pin while in the care and protection of Trina’s. After Ja’Corey’s death, the Cabinet for Health and Family Services investigated Trina’s and discovered multiple violations of Kentucky Administrative Regulations: (1) push-pins within the reach of young children; (2) inadequate staff-to-child ratios; and (3) negligent supervision. The In Davis v. Kentucky Farm Cabinet issued an emergency Bureau Mutual Insurance order suspending the license Company, Court of Appeals of and operation of Trina’s. Kentucky — S.W.3d —- 2016 WL 929362 (3/11/2016) the Join Barry Zalma’s new Blog: Kentucky Court of Appeals was http://www.zalma.com/blog asked to apply an aggregate limit to a single death because multiple acts of negligence brought about the death. Davis and Woods, Ja’Corey’s parents and as coFACTS administrators of Ja’Corey’s estate, filed an action against On October 17, 2011, two-year-

Trina’s in the Jefferson Circuit Court. In a second amended complaint, Davis and Woods alleged direct negligence claims against Trina’s and vicarious liability claims against Trina’s for the acts or omissions of its employees, including the multiple violations cited by the Cabinet. At the time Ja’Corey choked on the push-pin, Trina’s was insured by a commercial general liability policy issued by Kentucky Farm Bureau covering Trina’s and its employees. The Kentucky Farm Bureau policy limits coverage by the number of occurrences from which the claims arose, stating that each occurrence is limited to $500,000 and provides for an aggregate maximum of $1,000,000. The policy further provides that each occurrence limit is the maximum Farm

Barry Zalma, Esq., CFE, practiced law in California for more than 43 years as an insurance coverage and claims handling lawyer. He now limits his practice to service as an insurance consultant and expert witness specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He founded Zalma Insurance Consultants in 2001 and serves as its only consultant. 10

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Bureau will pay “because of all ‘bodily injury’ and ‘property damages’ arising out of any one ‘occurrence.’”

But not every occurrence is, strictly speaking, an accident. In the context of an insurance policy, “occurrence” is construed as synonymous Occurrence is defined in with an accident or kindred the policy as “an act — an unforeseen accident, including occurrence resulting Insurance is not a benefit continuous or in bodily injury to a provided to those wrongfully repeated exposure person other than to substantially the the one indemnified injured. It is a contract that same general harmful which may give rise must be enforced in accordance with conditions.” to a claim against its terms and conditions. Although the the insured. Kentucky Farm loss of a child is tragic and the parents For purposes of Bureau and Davis triggering insurance should recover as much as they can and Woods resolved coverage, the from those responsible, the tragedy the claims against prevailing rule is Trina’s, its officers and that the time of the cannot change the meaning of the employees subject to occurrence of an contract of insurance nor change the an agreement that the accident is when amount of coverage purchased.” dispute concerning the the complaining number of occurrences party was actually remained unsettled. damaged or injured Subsequently, Kentucky Farm actual ambiguity. The mere fact and not the time when the Bureau filed this declaratory that a party attempts to muddy wrongful act was committed. judgment action to resolve the the water and create some This approach is based on dispute. The trial court ruled question of interpretation the fundamental notion that the alleged negligent acts does not necessarily create an that the tort of negligence “combined to form a single ambiguity. is not deemed to have been occurrence, which resulted in committed unless and until the death of [Ja’Corey].” The trial court concluded the some damage is done. claims arose from a single cause DISCUSSION and a single occurrence and The same approach is not granted summary judgment in necessarily taken when the Kentucky appellate courts favor of the insurer. Davis and question is whether there interpret an insurance contract Woods appealed contending were multiple occurrences as a matter of law and review the that the trial court erred for purposes of the policy case as if it was sitting as a trial because it was required to limitations. Although in most court. In doing so, the appellate determine the amount of instances it is clear whether court applies certain rules of insurance coverage available there are one or multiple construction, including that by the number of causative acts occurrences, the question when the terms of an insurance that contributed to Ja’Corey’s of what constitutes a single contract are unambiguous and death. not unreasonable, the terms See ZALMA Pg 43 will be enforced as written. Every accident is an occurrence. www.underwritersinsider.com

Although ambiguous terms are to be construed in favor of the insured there is no requirement that every doubt be resolved against the insurer. Moreover, there must be an

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April 2016

SPOTLIGHT

DIGITAL DISRUPTION recent Forbes story on disruption, the publication quoted Harvard Business School professor and “d i s r u p t i o n guru” Clayton Christensen saying “that a disruption displaces an existing market, industry, or technology and produces something new and by Ron Manera, Editor more efficient and worthwhile. It is at once destructive and ’m pretty sure I can remember creative.” And, we might add, it the first time I heard the word happens fast and it’s irreversible. “disruption.” My mother read it to me from my 3rd grade When you think of marketplace report card and it referred to my disrupters, think of compact classroom behavior. It was not a discs and how they changed the compliment. music/recording industry. If you were heavily invested in vinyl, Today, however, earning the you had only a little time to live. title of marketplace disrupter Think of how DVDs disrupted is not only a high compliment, the VCR industry - and how but probably a sign that your streaming media like Netflix company is doing very well and disrupted the DVD business leaving the competition in a just ask Blockbuster. Remember confused tizzy tying to keep up. Compuserv and AOL as a destination? All were quickly put So what is disruption exactly? In a

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to pasture by disrupters who shut them out. Like no other time in history, exploding technology insures tomorrow’s marketplace Wh belongs to loo disrupters and early the horizon, adapters - everyone else beware. Within predators, th the insurance for disrupter industry, think of how fast rap GEICO, grabbing $ technolog billions in market share with a barrage disruption of direct mail and clients at a disa national advertising company aim since 2000 when the GEICO Gecko made clients armed its first appearance. automation a

technology

Vertafore, is an industry leader become the di compe in cloud-based insurance agency/ carrier/MGA technology. The company, with 25,000 installed agencies is the result of 45 years of evolution within a rapidly changing universe of rating & agency management software, platforms, product names and ownership - a universe where April 2016

automation and tech integration have clearly changed the game.

When Vertafore looks towards the horizon, scanning for predators, they are looking for disrupters. They know how fast rapidly changing technology digital disruption - can put their clients at a disadvantage. The company aims to keep their clients armed with the latest automation and integrated technology - where they become the disrupters to hen Vertafore the competition.

oks towards , scanning for hey are looking rs. They know pidly changing gy - digital - can put their advantage. The ms to keep their d with the latest and integrated - where they isrupters to the etition.â&#x20AC;?

Vertafore, now chaired by Jeff Hawn, was acquired by TPG Capital, a leading private investment firm in 2010, and has one of the most active and vigorous user groups, NetVU, known for huge annual conferences eagerly attended by devotees from all fifty states and now Canada. In 2015 Vertafore acquired QQCatalyst, a popular and powerful Florida-based agency management solution for small to mid-size agencies, rounding out its offering of agency management systems.

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2016 NetVU Conference in San Antonio, Tx

The companyâ&#x20AC;&#x2122;s flagship product is AMS 360, yet it also boasts over 40 discreet products including comprehensive agency solutions, management systems, content management & workflow, sales tools, MGA & MGU systems, rating packages, information resources and compliance products for states and larger agencies.

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Speaking with the Vertafore management team at the annual NetVU conference in San Antonio, I took away an impression of a confident, competent group of talented individuals laser-focused on staying ahead of the technology curve; to be the disrupter on behalf of their clients rather than be made obsolete by one. Instagram! Follow Me: @rmanera

April 2016

NEWS

ALERT INSURANCE AGENT HELPS UNCOVER CLIENT VICTIM OF IDENTIFY THEFT

OS ANGELES, Calif. â&#x20AC;&#x201D; Dwen Curry, 47, of Winnetka, CA was arrested by Department of Insurance detectives and booked on multiple counts of identity theft and attempted grand theft and possession of 10 or more persons' personal identifying information.

insurance agent who recognized unauthorized activity on the consumer's annuity investment," said Insurance Commissioner Dave Jones. "Consumers should pay close attention to any mail they receive from their insurance company or financial institutions alerting them of attempts to access their information or make changes to their records."

Curry stole the identity of multiple individuals, impersonated them and attempted to withdraw Davy Jones CA Insurance Comm. funds from annuities owned by the victims. Curry used the stolen identity of an individual to submit a change of address on an annuity investment and attempted to withdraw $35,000 from two annuities owned by the victim. The victim's insurance agent noted the unauthorized change of address, which they flagged as suspicious Dwen Curry, 47 and reported to the department.

Investigators with the Department of Insurance Investigation Division found a counterfeit driver's license, Social Security card and checks belonging to a previously unidentified victim, as well as dozens of stolen financial portfolios and personal information of other victims. Curry planned to use or was using these individuals' financial information to steal money from their investments.

Curry was arraigned in Los Angeles County Superior Court on February 16, 2016 and remains in custody. Bail is set at $195,000. A preliminary hearing "This crime was uncovered by is scheduled for February 26, an alert consumer and their 2016.

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April 2016

DISCOVER THE POWER OF WE a better way to sell insurance.

At WE Insure, our primary role is to develop and manage insurance agenciesâ&#x20AC;&#x2122; growth and sustained excellence, building strong relationships with its policyholders and insurance companies.

Chief Executive Officer

weinsuregroup.com/franchise Table of Contents 855.483.3901

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April 2016

NEWS

WE INSURE GROUP SET TO EXPAND

Philip Visali, President, Purchases 100% Stock of Insurance Agency Franchise Company - Plans Expansion

hilip Visali, President and CEO of We Insure Group, Inc. (WE), announced that he has purchased all the shares of We Insure Group -- a leading insurance franchise -- which he founded in 2009. Besides consolidating ownership, the $3.9 million cash purchase will allow the company to pay off debt and position for growth. “Today begins a new chapter for WE,” said Visali. “We are changing the way insurance agents do business by providing unparalleled back-office support and new business production.

This is the future model for WE also announced these insurance agents and WE is leadership changes: leading the way.” • Nick Dakuginow was named Vice President of Service The company has put in place a new executive team to support • Chris Salameh becomes Vice President of Franchise its 80+ franchisees in Florida and Operations Georgia and its 300+ employees, • Salena Simpson is the new agents and producers in the Vice President of Operations. field. Visali said the company intends to expand its footprint in Florida and Georgia by offering “the best insurance franchise model in the country.” Currently, WE is Florida’s second largest distribution channel.

“I want to thank all of our remaining associates and carrier partners for their unwavering support during this transition, Visali said. “This is an exciting time for our company and partners.”

PENNSYLVANNIA ANNOUNCES $185M+ IN RESTITUTION TO CONSUMERS IN 2015

arrisburg, PA - Insurance Commissioner Teresa Miller announced the Department reclaimed $185,055,050 for more than 12,000 consumers throughout the state during 2015.

Restoration of stolen funds when an agent collected payment from a consumer for a policy or annuity but did not send the money to the insurance company;

premiums above the rate that had been approved by the Insurance Department;

Some companies in the industry were making selective use of the Processing and payment of Social Security Administration’s previously denied or underpaid Death Master File (DMF), and Commissioner Miller said that claims when a company did not instead of paying policy benefits throughout 2015, the Insurance pay a claim as it should under the upon a policyholder’s death, the Department helped 12,307 consumer’s policy; companies were only terminating consumers around Pennsylvania payment of annuity benefits. These receive some form of restitution Refunding of overcharged companies will now properly use payment or credit. Below are some premiums when an insurance the DMF to identify potentially examples: company was found to be charging unpaid insurance benefits.

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April 2016

INSURANCE FRAUD

ALLEGED BC/BS SCAMMER ARRESTED FOR SUBMITTING HUNDREDS OF FRAUDULENT MEDICAL CLAIMS

In total, Leli submitted more than 350 claims, and only 12 were found to be legitimate. As a result of those claims, Leli fraudulently collected nearly $40,000 in insurance benefits.”

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ACKSONVILLE, Fla. – Chief Financial Officer Jeff Atwater and the Department of Financial Services’ Division of Insurance Fraud (DIF) today announced the arrest of Frank John Leli. The former Blue Cross Blue Shield of Florida (BCBS) business analyst allegedly defrauded BCBS of nearly $40,000 by submitting more than 350 claims for medical services that never occurred.

investigation, BCBS notified the Division of Insurance Fraud of what they’d discovered. With BCBS’s assistance, DIF’s investigation uncovered hundreds of additional claims Leli filed related to alleged treatments by two separate Georgia-based chiropractors. B o t h chiropractors stated that Leli was neither a current patient nor had he ever been a patient at their practices.

In August 2014, In total, Leli Frank John Leli Blue Cross Blue submitted more Shield became suspicious of than 350 claims, and only 12 were Leli’s activities after recognizing found to be legitimate. As a result a pattern in which he submitted of those claims, Leli fraudulently multiple medical claims on his collected nearly $40,000 in own behalf during a short period insurance benefits. of time. At first glance, 27 claims were found to have been filed Leli was arrested and booked into related to alleged treatments by a the Duval County Jail with bond set Jacksonville-based marriage and at $150,000. His charges include family therapist. BCBS contacted insurance fraud, grand theft and the therapist who verified an organized scheme to defraud. only 12 of the 27 claims. The This case will be prosecuted remaining claims were for medical by Assistant State Attorney Joe treatments that never took place. Licandro of the Fourth Judicial Circuit and if convicted, Leli faces By November 2015, after up to 15 years in prison. continuing their own internal Table of Contents

April 2016

NEWS

NAIC RELEASES MARKET SHARE DATA

ASHINGTON, D.C. —The National Association of Insurance Commissioners (NAIC) published in March two sets of data to help provide consumers with market share data indicating the degree of market concentration in lines of business and identifying leading insurance writers.

insurers include countrywide direct written premium for the top 25 groups and companies as reported on the State Page of the annual statement for insurers that report to the NAIC.

professional liability, homeowners and other liability (excluding auto liability) insurance. The life/ fraternal market share report contains cumulative market share data for the following lines of business: life; annuity The property/casualty report considerations; and aggregate contains cumulative market total of life insurance, annuity share data for the following considerations, depositlines of business: personal auto, type contract funds, other 03/14/2016 The 2015 market share data for life/ commercial auto, workers' considerations and accident/ NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS fraternal and property/casualty compensation, medical health insurance. PROPERTY AND CASUALTY INSURANCE INDUSTRY 2015 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM States, U.S. Territories, Canada and Aggregate Other Alien 35-Total All Lines

RANK BY PREM 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25

GROUP/ COMPANY CODE 176 8 31 111 3548 155 140 69 12 200 212 91 38 626 218 473 2538 3098 280 213 84 98 19 796 244

DIRECT PREMIUMS GROUP/COMPANY NAME WRITTEN STATE FARM GRP 59,361,684,546 ALLSTATE INS GRP 30,180,756,463 BERKSHIRE HATHAWAY GRP 29,932,951,431 LIBERTY MUT GRP 29,848,412,239 TRAVELERS GRP 23,200,304,436 PROGRESSIVE GRP 21,346,245,928 NATIONWIDE CORP GRP 19,577,849,457 FARMERS INS GRP 19,050,733,473 AMERICAN INTL GRP 18,997,007,876 UNITED SERV AUTOMOBILE ASSN GRP 16,744,764,052 ZURICH INS GRP 11,822,931,112 HARTFORD FIRE & CAS GRP 11,135,128,166 CHUBB INC GRP 10,468,610,065 CHUBB LTD GRP 10,142,170,623 CNA INS GRP 9,696,599,597 AMERICAN FAMILY INS GRP 7,242,621,007 AMTRUST NGH GRP 7,137,817,412 TOKIO MARINE HOLDINGS INC GRP 6,121,604,430 AUTO OWNERS GRP 5,981,375,907 ERIE INS GRP 5,914,045,368 AMERICAN FINANCIAL GRP 5,417,855,005 WR BERKLEY CORP GRP 5,376,350,203 ASSURANT INC GRP 4,974,523,323 QBE INS GRP 4,700,516,757 CINCINNATI FIN GRP 4,464,302,449 **INDUSTRY TOTAL** 587,915,913,461

DIRECT DIRECT DIRECT LOSS TO LOSS & DCC CUMULATIVE PREMIUMS EP TO EP MARKET MARKET EARNED RATIO¹ RATIO² SHARE % SHARE %³ 58,870,733,210 61.61 64.42 10.10 10.10 29,770,017,293 59.21 61.77 5.13 15.23 28,813,013,599 67.45 71.88 5.09 20.32 29,392,126,529 56.05 60.12 5.08 25.40 22,974,826,405 45.81 51.20 3.95 29.35 20,736,785,820 61.39 63.27 3.63 32.98 19,239,654,367 60.64 63.65 3.33 36.31 18,858,172,288 58.51 60.71 3.24 39.55 18,652,889,512 75.60 85.11 3.23 42.78 16,355,800,840 72.50 74.21 2.85 45.63 11,758,999,740 62.54 70.82 2.01 47.64 11,007,971,784 53.12 58.42 1.89 49.53 10,389,330,211 41.58 48.84 1.78 51.31 9,925,501,227 54.28 58.47 1.73 53.04 9,281,316,856 62.81 69.88 1.65 54.69 7,021,425,771 55.25 56.45 1.23 55.92 6,454,106,782 59.46 66.22 1.21 57.13 5,994,095,853 53.21 60.94 1.04 58.17 5,914,687,907 53.54 57.47 1.02 59.19 5,723,096,784 58.89 61.52 1.01 60.20 5,335,320,820 50.33 57.70 0.92 61.12 5,195,825,750 46.67 53.23 0.91 62.03 5,125,910,279 43.79 43.97 0.85 62.88 4,655,437,282 53.17 56.99 0.80 63.68 4,399,623,821 48.80 53.73 0.76 64.44 578,480,452,075 57.07 61.56 100.00 100.00

¹ (Direct losses incurred / Direct premiums earned) ² (Direct losses incurred + Direct defense and cost containment expenses incurred) / (Direct premiums earned) ³ Cumulative Market Share is the running total of the individual Company or Group market shares. NOTE: Based on filings received by 03/14/2016, an estimated 97.59% of Property/Casualty filings have been received. Additional information can be found on the NAIC's Research and Actuarial Dept. Webpage at http://www.naic.org/research_actuarial_dept.htm

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CHRIS KENNEDY ACCEPTS NEW POSITION AT NETVU

rving, TX – March 28, an enjoyable experience when 2016 – The Network of interacting with the user group. Vertafore Users has a new Operations Manager – Christopher Kennedy. Chris’ customer service experience as a Neiman Marcus Supervisor brings to NetVU tools to manage the Operations Team. His excitement and enthusiasm are contagious and enjoyable. Chris will be leading the Operations Team to insure our members continue to receive up-to-date information, excellent customer service and www.underwritersinsider.com

customer service and personnel management take on this role. I have been seeking the right fit for more than a year and am pleased to have promoted from within.

Chris knows our business and cares about our members. The NetVU members who met Chris at our Conference this year inspired him to accept this challenge. He will truly make a difference in how our NetVU CEO, Kitty Ambers Member Services team can better shared, “We are excited to have interact with our Membership. someone with Chris’s extensive I’m confident that Chris will have retail background in both a major impact.” Table of Contents

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5 ck on the up the “Share Just below each a hyperlink, you’ll ol. Click to share any social media

AGENT CHARGED IN THEFT OF PREMIUMS

regory Guzman, 50, of into the agency’s account. Bank Spokane, was charged records showed the money was with two counts of deposited into Guzman’s personal account. Kreidler’s second-degree theft. investigators found Guzman formerly evidence that Guzman worked as an insurance misappropriated agent in Spokane, WA. insurance premiums exceeding $6,100 from According to the six clients. investigation, the manager of the agency fired insurance agency where Gregory Guzman The Guzman and notified Guzman worked found evidence in November 2013 that Kreidler’s SIU. Guzman’s license insurance premiums from a local to sell insurance was revoked in business were not deposited September 2014.

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NEWS

VERTAFORE ACQUIRES KEAL TECHNOLOGY Largest insurance software provider expands portfolio of companies into Canadian marketplace

othell, WASH. – FEBRUARY 29, 2016 – Vertafore, the leader in modern insurance technology, today announced the acquisition of Keal Technology, a leading provider of broker and commercial management systems in Canada. The move extends Vertafore’s customer base into Canada, further creating an international footprint for the largest software provider in the insurance industry. “Keal's products were built specifically for the Canadian marketplace. As part of this acquisition, Keal will join Vertafore, but importantly, maintain its own brand and identity which have strong reputations and recognition in the Canadian market already,” said Jeff Hawn, Chairman and CEO at Vertafore. “Together, we will bolster Keal’s growth efforts while helping them accelerate their market presence." More than 500,000 insurance professionals trust Vertafore www.underwritersinsider.com

technology every day, utilizing the suite of agency management systems already in the company’s product portfolio including the AMS360® management system, Vertafore® Agency PlatformTM, Sagitta® management system, and QQCatalyst® agency management system. Vertafore has more than 45 years of deep industry expertise and is backed by TPG Capital—a leading global private investment firm with more than $70 billion of capital under management. “Our clients will now have the backing of the largest financial player in the industry,” said Pat Durepos, president at Keal Technology. “The insurance industry is undergoing tremendous change. In times of uncertainty, working with the market leader brings stability to Keal and our over 16,000 broker users. ” Durepos invested in Keal in 1995 after previously running a successful brokerage with his wife. He will work directly with Greg Wright, Senior Vice President of Agency and Carrier Solutions at Vertafore. Durepos will focus on specialized product development, driving growth in the Keal portfolio, and advocating for customers in the Canadian market. Table of Contents

The acquisition of Keal Technology is expected to close by the end of March 2016. The acquisition of Keal Technology comes less than a year after Vertafore acquired QQSolutions, a Florida-based provider of cloud software to independent insurance agencies, and on the heels of over 250 product releases in 2015 across the entire Vertafore product portfolio. The pace of new product innovation cascades through the largest customer base in the industry, including agencies, carriers, MGAs, MGUs and over half the U.S. state regulatory agencies. For more information on Vertafore’s portfolio of products for independent insurance agencies, please visit http://www.vertafore. com. About Vertafore Vertafore offers the broadest and most adaptable technology solutions to better prepare the insurance industry for digital disruption. The Vertafore product line is built on a platform, empowering customers and other solution providers to adapt and thrive as the market changes.

See Vertafore Acquire Keal Pg 27 April 2016

THE INSIDE TRACK - BREAKING NEWS All Risks Joins Allied Member Program

ll Risks, Ltd., the nation’s largest independent wholesaler, is pleased to announce that it has recently joined the Allied Member Program of the IHG Owners Association, the international member association for owners and operators of IHG® (InterContinental Hotels Group) franchised hotels. The franchised hotel insurance program is a part of All Risks’ National Specialty Unit, which offers proprietary insurance programs nationwide to its retail insurance agents and brokers with in-house binding authority, multiline capability, and coverage among the broadest available in the industry.

Braking (AEB) is coming to represents more than 90% many more automobiles of the marketplace. The soon. Twenty automakers AEB technology relies on radar, cameras have recently or laser sensors agreed to to determine make the if an imminent f e a t u r e collision is standard in near - and the their vehicles automatic by 2020. The Credit: Creative Commons application of carmakers involved in the agreement are: Audi, emergency braking to avoid BMW, FCA US LLC, Ford, the collision. General Motors, Honda, Hyundai, Jaguar Land Viper Venom To Rover, Kia, Maserati, Mazda, Cure Alzheimer’s? Mercedes-Benz, Mitsubishi Motors, Nissan, Porsche, hen afflicted with Subaru, Tesla Motors Inc., Alzheimer’s disease, Toyota, Volkswagen and the human brain becomes Volvo Car USA. The group engulfed in amyloid plaque,

Auto Emergency Braking Coming

A 24

u t o m a t i c Emergency

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April 2016

a protein that prevents designed for those who must Jacob Christopher Mullins, the regular transmission understand, mitigate, or 28, of 6465 Frank Price of signals between brain insure farm and agribusiness Church Road, Fremont; he synapses resulting in loss exposures. Participants can is charged with one count of memory and cognitive attend classes leading to each of embezzlement by functions. Scientists have the Agribusiness and Farm an insurance agent, financial recently isolated Insurance Specialist card fraud and obtaining a component (AFIS®) certification property by false pretense. of viper venom or attend Department of Insurance that tears the breakout sessions criminal investigators accuse Abeta peptides for advanced Mullins of taking money and interrupts knowledge and from insurance customers Credit: Creative Commons the buildup of c e r t i f i c a t i o n at a Wilson insurance amyloid plaque renewal. Register agency without applying it in the brain. It appears that and learn more, or call to their insurance policies while the therapy may halt (800) 827–4242. The AFIS between January 2014 and January 2016. the progress of AZ dementia, certification is the Investigators also it may not repair neuronal insurance industry’s allege Mullins used damage already there - and, only professional customer’s cards of course, the therapy is credential for those to make insurance years away from approval for who serve the farm purchases without human use. and agribusiness their consent. communities. Nearly 1,900 people have Wayne Goodwin Mullins was arrested July IRMI in Wilson County on Conference in Tampa earned the AFIS Feb. 15 and placed certification, and another under a $3,000 bond. nternational Risk 1,400 are in the process of Management Institute, completing its requirements. Texas Merger Inc. (IRMI®), is now accepting Participants in the AFIS registrations for the program may join the AFIS igginbotham Insurance IRMI Emmett J Vaughan LinkedIn group. of Houston, Tx & Capps Agribusiness Conference, to Insurance of Mt. Pleasant, NC Agent Charged be held in our new location of Tampa, Florida, on July 18–20, With Embezzlement TN have joined forces to provide P&C & life, health, 2016. This year’s conference home and auto insurance to has been expanded to 2½ ALEIGH -- Insurance individuals as well as certain days, with more education Commissioner and networking than ever Wayne Goodwin today commercial lines. before! The Conference is announced the arrest of

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April 2016

NEWS ACCUAUTO IS NOW ACCUAGENCY Announcing AccuAgency Brand Update New Name, Same Great Product Line

ORCROSS, GA Assurance Systems, Inc., is best known by its long-standing product name, AccuAuto. Vikki Thomas,

spokesperson for Assurance Systems, announced this week an official branding change from AccuAuto to AccuAgency as of January 1, 2016. Vikki Thomas explained only the name has changed. AccuAgency reflects a broader product line of which AccuAuto is an important part. Both products are from the same great company with the same great service 2016 also marks the company’s 30th year in business, under the same ownership.

refer to us as AccuAuto, an update is long overdue. For years we have offered independent insurance agents more than just an auto rater. Our new name, AccuAgency, encompasses our suite of products, including AccuAuto rater, AccuHome rater, AccuAgency management system, and AgencyThrive web marketing and website services. The name AccuAgency emphasizes our commitment

to help independent agents be more efficient, productive, and successful in an increasingly competitive market.”

VERTAFORE ACQUIRES KEAL TECH Vertafore’s platform features fast innovation, partnerships with the best technology companies, and customizable solutions to help companies remain independent during a time of industry disruption. As the leader in modern insurance technology with the largest customer base in the industry, Vertafore connects every point of the distribution channel, from agencies and carriers to MGAs, MGUs, and state governments. For more information about Vertafore, visit www.vertafore.com, read the company’s blog, and follow the company on Twitter, LinkedIn, and Facebook. About Keal Technology

About Assurance Systems, Inc. Since 1986, Assurance Systems, Inc., has offered a variety of services for independent insurance agencies, in addition to custom solutions and analytical products for insurance carriers.

Contact: Vikki Thomas AccuAgency Gordon Ragan, President, said, Phone 770-242-6832 “Although many agents first Fax 770-840-7558 knew us as AccuAuto and still vikki@accuagency.com www.underwritersinsider.com

Continued From Page 23

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Keal Technology is the expert in Canadian broker innovation and a leader in the BMS (Broker Management Systems) and CMS (Commercial Management Systems) marketplace for insurance and financial services brokers. They offer an integrated suite of products designed to increase revenue through efficient use of technology. For more information, visit www.keal. com. April 2016

NEWS FLORIDA PASSES LEGISLATION PROTECTING CONSUMERS FROM SURPRISE MEDICAL BILLS

ALLAHASSEE, Fla. – Florida equation. Chief Financial Officer Jeff Atwater today applauded ‘This solution holds consumers the Florida Legislature’s passage harmless in times of emergency and of legislation that puts an end to in non-emergency situations where balance billing in consumers most scenarios. ‘This solution have little or Consumers across no choice who holds the state pay health their provider insurance premiums is, resulting in consumers each month to cover the consumer’s harmless in times predicted medical responsibility of emergency and b e i n g costs and to mitigate those that are not. in non-emergency c o m p a r a b l e When consumers to what they situations where receive care from outwould have of-network providers, consumers have paid had the they are often hit little or no choice provider been with unexpected and their network. who their provider in costly medical bills. Additionally, is, resulting in consumers will CFO Atwater said, “The receive more the consumer’s Florida Legislature notice and responsibility was tasked with transparenc y striking a finely-tuned being comparable from both and balanced solution to what they would i n s u r a n c e to a multifaceted companies have paid had the problem. While all and providers. sides of this health This will help provider been in care community consumers their network. presented valid navigate the perspectives and complexities strong opinions throughout the of health insurance billing. This legislative process, I’m pleased legislation is a win for every Florida that our legislative leaders kept family—both those that have consumers at the forefront of this experienced balance billing in the conversation, ultimately removing past and those that thankfully will them from this complex billing not have to.

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UNBELIEVABLE VINTAGE ADS

othing illustrates the changes in our national culture better than vintage ads from the Mad Men era - many of which would be considered over-the-top sexist and politically incorrect today.

“Christmas morning she’ll be happier with a Hoover....” Try that in 2016 and you may very well end up in the emergency room! Big question: Were women really that easy to please in the 70’s? Or were marketing types just that clueless?

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‘s

“The Final Authority on Everything!” WARNING!

The Advisor has been known to be politically incorrect and may represent a danger to Progressives & Millennials not in their safe space. Please read at your own risk.

Gender Pay Gap?

know you are a Conservative and probably a Trump supporter but the most recent study shows women earn $.77 for every $1.00 men earn. Surely you want to fix that unfairness, right? J.T. Syracuse, N.Y.

ADVISOR

on average, was less for my female employees than the male employees. Here’s a few reasons why: None of my male employees had to leave work every day at 4:45 to pick up kids from after-care. None of my male employees had to quit or take 3-6 months off because of pregnancy. Male employees seemed more serious about careergoals, looking forward to a life-time of being the mainbreadwinner in the family while many of my female employees only planned on a supplemental income

role to the main breadwinner. When some special circumstances in the family required either the husband or wife to take time off for a sick child, to talk to a teacher or be home for a repairman it was inevitably the female employee who asked for the accommodation. These different circumstances and outlooks bring substantially different value to an employer - and the marketplace pay rates simply reflect this difference. When politicians and so-called women’s advocates talk about “pay

First, the ratio for younger women is $.93 per $1.00 earned by younger men, so the trend is improving - but women as an identifiable segment of the employee marketplace earn a little less for clear reasons unrelated to their intelligence, performance or genitalia. Having been an employer of many men and many more women I can speak first-hand that the value received as an employer, 30

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April 2016

inequality,” they are almost as a “master marketer,” when, always too cowardly to talk in fact, he has made dozens reactive, amateurish about the “value inequality.” of Understand, these examples “unforced errors,” the absence are generalizations - but so of which would have already are gender pay gap stats. left him the undisputed There are many women who nominee today. Think about out-perform and out-earn it: How many votes did Trump earn BECAUSE he disparaged, their male coworkers. bullied and disrespected Megyn Kelly? How many Trump Supporter? BECAUSE he mocked Carly Fiorina’s face? How many Incidentally, I am no Trump votes did Trump earn BECAUSE supporter and he would be he humiliated Ted Cruz’s my last choice as a nominee. wife? Who supports Trump While I agree with Trump BECAUSE of his barrage of ad on many of his positions, hominem attacks on fellow including many that horrify Republican candidates? How Liberals, I find his character many are voting for Trump sadly lacking. Further, he is BECAUSE he mocked John often laughably referred to McCain’s status as a war www.underwritersinsider.com

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hero? All of these examples of classless buffoonery cost Trump millions of supporters - including me - while gaining him nothing. Master marketer? NOT. Trump’s support continues because he is the beneficiary of the vast, underlying American dissatisfaction with the current administration because he is seen as the Anti-Obama - not because he is some marketing genius. If Trump wins the nomination, will I support him? You bet. As flawed a candidate as he may be, Trump is infinitely better for America then either Clinton the criminal or Sanders the Socialist. April 2016

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Agent With Multi-Million Book

Agent w/ multi-million book looking for an aggressive agency w/ a positive outlook to the future stephen.clay@stone-insurance.com 16-1

Commercial Lines Underwriter St. Louis One of our clients in the St. Louis area, is seeking a Commercial Lines Underwriter with strong casualty experience in the construction industry. The ideal individual will have at least five or more years of related casualty underwriting experience dealing with construction industry accounts. Excellent company, compensation, job security and benefits. jim@premiercareers.com 16-3

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Buying Insurance Agency in South FLA If you would like to retire and sell us your book or business or take over your lease at a retail office please let us know. Our fax number is 954-908-7001. floridafirstinsurance@outlook.com

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Working Partner Wanted East Tampa All Lines Agency established 2006 seeks working partner - to replace retired partner - Florida 220 and investment a must. Please inquire admin@naioia.com 15-12

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Central Florida

Retiring? Selling benefits book? Please contact me: 407-797-0790 Thank you. jmburzee@aol.com 16-1

Experienced CSR Wanted - Oviedo Area

Small agency needs experienced, licensed CSR. Salary commensurate with experience. Please forward resume. kr22apr@gmail.com 16-1

Seeking 220 & 440 Insurance Agents in Florida & Georgia! Well established We Insure agencies are experiencing growth and are looking for experienced 220 and 440 insurance agents statewide in both Florida AND Georgia. Active 220 or 440 license required and preferably 2 to 5 years experience in Personal Lines and/or Commercial Sales. Please send your résumé to: Megan.null@weinsuregroup.com

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Personal Lines Property Underwriter - Miami One of our Florida based clients is growing and expanding into other states. They are in need of a Personal Lines Property Underwriter to join their Home Office team them as this expansion continues. The Personal Lines Property Underwriter will be responsible for underwriting personal lines new business, renewals and endorsements utilizing the established methodology, standards and guidelines. jim@premiercareers.com 16-3 April 2016

Car Insurance Agent seeking employment Insurance 220 Agent seeking full time employment as soon as possible in the Fort Lauderdale area. Specialize in auto Insurance sales. Extremely thorough and precise when selling Insurance. Love to service customers and is very pleasant and easy to adapt and learn new challenges. simonethe1@yahoo.com

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CSR WANTED FORT LAUDERDALE, FL Looking for an experienced, self-motivated, ambitious customer service representative for full time. Great written and verbal skills are required. Duties include answering phones, servicing accounts, processing mail and commission statements. INFO@JANDLINSURANCE.COM 16-1

Legal Secretary/Paralegal In-House legal secretary/ paralegal for rapidly expanding insurance company legal department.Responsibilities include assisting General Counsel with Corporate Compliance, Licensing, document and contract preparation, interface with other departments and provide support for all other corporate legal affairs. At least 5 years’ experience with corporate or insurance transactional work preferred. hr@sunzinsurance.com

Bilingual Insurance CSR 4-40 or 0220 Wanted -Lake Worth – Palm Beach County Bilingual Insurance CSR 4-40 or 0220 Experienced Wanted Bilingual English/Spanish A plus Excellent Benefits Provided Send resume to: al.poncedeleon@estrellainsurance.com or integralcl@aol.com 16-3

WANTED! Hard working, multi tasking individual to interact with toplevel retail insurance agents & their customers in a fast-paced environment where service is our number one priority. Job duties include handling inbound calls; process electronic payments & review loan history; resolve customer service issues. Proficiency in MS Outlook/Word/Excel. Send resume to resumes@standandpremium.com.

Experienced 2-20 20-44 or 4-40

Small agency seeking experienced 2-20, 20-44 or 4-40 licensed team member to help us grow. Must have thorough understanding of coverage, underwriting, all compliance requirements & possess the utmost integrity. Must be self-motivated and able to prioritize. Compensation is hourly plus bonus. Hernando County resident preferred. Send resume to: sawchukl@bellsouth.net 16-1

Agent/CSR Broward County, Florida Independent property and casualty insurance agency, located in the Ft. Lauderdale area is seeking an experienced 220 or 440 licensed individual that can handle a fast paced environment. Bilingual a plus. Salary plus bonus. Call Barbara at 954587-7850.

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Experienced Customer Service Rep - Miami

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Agent Owner/Agent Own Your Own Agency

If you’re looking to start your own agency, then this is the place you want to start. We are a statewide independent agency that has over 120 carriers! Home,Auto,Business! We offer the ability to build your own business by having all the tools needed to do so! At We Insure, we offer training, leads, a great office and more. This position requires a 2-20 insurance license or a 2-40 glen.mcgaha@weinsuregorup.com 16-1

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Insurance Licensed 220 and 440 Agents needed (no region given)

Successful Property & Casualty Licensed 220 and 440 Agents requires. tamiller91@yahoo.com

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Registered Customer Service Rep 4-40 Palm Beach County Experienced Registered Customer Service Representative 4-40 Wanted Bilingual English / Spanish with experience , to work in Lake Worth, Palm Beach, excellent workings conditions requested. Angel 561-755-2586

Looking for bilingual CSR in Tampa Tampa Insurance Agency is looking for a bilingual Licensed CSR. Knowledge of Quick Quote and Webrater is a plus. Salary, bonus, sick time, vacation days, and health insurance. 813-9721947 or email dan@colucciinsurance.com 16-1

al.poncedeleon@estrellainsurance.com 16-1

220 Insurance Agent Boca Raton

Full time opportunity to join my Personal Lines Agency with an excellent potential for good income.Must have 220 Insurance license - Experience with personal lines preferred, however, willing to train bright beginner -Strong computer skills -Self-starter with Initiative-independent workerContact Noreen at 561-4304021 or email resume to Noreen.langleben@weinsuregroup.com 16-1 34

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MGA Needs Experienced E&S Assistants, Underwriters and Brokers South Florida and Lake Mary E&S MGA looking to continue growth by adding experienced Assistants, Underwriters and Brokers. MGA has a generalist appetite and represents many markets for Brokerage and Binding Authority. Contact: dmarsh@slbig.com

- 220/440 license or a minimum of 1 year exp. in Auto/ Home/Commercial insurance - Must be able to work Full Time - Must have a GREAT "Can Do" attitude, everyday - Must be able to multi-task and be a willing Team Player - Must have the ability to treat our clients with the respect they deserve and give them the best service they have ever received - Must be DRUG FREE- Bilingual a plus marlinsii@aol. com 16-1

We Want You - Licensed Insurance Agents

If you are an experienced, self-motivated and ambitious insurance sales professional with an interest in working with a vibrant, forward thinking company then look no further. We are an independent insurance agency in Ft. Lauderdale seeking a Licensed Insurance Agent who interested in a long term career with our agency. •Property and Casualty License (220) •Team player •Build referral relationship alejandro.kalaf@ weinsuregroup.com 16-1

Experienced License Agent (220) wanted Experienced License Agent (220) wanted to work in agency located in Medley, FL. Commissions only paid. Please fax resume to 270-1417. meibg9@bellsouth.net

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NEWS

HUSBAND AND WIFE INSURANCE AGENT TEAM CHARGED WITH INSURANCE FRAUD Pair cheated insurer out of more than $130,000

Insurance Commissioner Dave Jones.

In a joint investigation by AN DIEGO, Calif. — Pablo the California Department Alvarez Espino, 36, and of Insurance Investigation Josefina Garcia Espino, Division and 34, both of San Division, ... Between Fraud Marcos, were investigators 2007 and arrested following uncovered an investigation 2013, the evidence that by the California between 2007 Espino's made Department of and 2013, the changes to a Insurance and Espino's made face multiple number of policies changes to felony counts of for themselves and a number of insurance fraud. other relatives that policies for

resulted in Farmers themselves and The Espino's were other relatives paying on nine both appointed resulted fraudulent claims that insurance agents in Farmers by Farmers totaling more than paying on nine Insurance when $130,000. fraudulent claims they allegedly totaling more committed fraud than $130,000. by reinstating and backdating cancelled policies, adding coverages that did not exist on FREE the original policy in order to CLASSIFIEDS! cover damages from crashes that occurred while uninsured. HELP WANTED — POSITION "The Espino's alleged crimes WANTED 4 — SALE ITEMS are part of a multi-billion dollar fraud problem in California that every consumer pays for through CLICK HERE! higher insurance premiums," said www.underwritersinsider.com

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Notable Quotes In The News

SAY WHAT?

Bill Clinton: The Awful Legacy of the Last Eight Years...

ut if you believe we can all rise together, if you believe we’ve finally come to the point where we can put the awful legacy of the last eight hile some will call President years behind us...” Obama’s visit to the Communist country of Cuba, a Bill Clinton, given the “historic milestone,” the visit is nothing more unenviable task of than a continued and shameless display of explaining why Hillary his weak and ineffective foreign policy, his should be president, condoning of years of, murder, terrorism, allowing a stream consciousness drug trafficking, and the unprecedented of amount of human rights violations ramble wherein he committed against the Cuban people by admitted the Obama administration has an Fidel and Raul Castro.” “awful legacy.” Credit: Creative Commons Brian Mast, decorated, severely injured combat vet and congressional candidate in Florida’s 18th Islamophobia Kills 36 In Congressional District Brussels - Oh Wait - No coming down hard on It was Radical Islam! the president on the occasion of Obama’s visit to Cuba, who seems on’t worry – intent on snuggling up Democrats and to the Castro dictators international leftists will in spite of Cuba’s refusal continue to promulgate the myth of to release even one multiculturalism and diversity, and so political dissident in damn their constituents to a higher the wake of thawing possibility of death at the hands of Brian Mast relations between the two countries. Raul Castro, in a FL Congressional Candidate Islamic terrorists. Then they’ll remind clear sign of disrespect, refused to even meet us that Islamophobia is the real threat President Obama on his arrival. Just another and that all religions are equally prone to really bad foreign policy deal engineered by violence and brutality. the hapless Obama team?

Celebrating 57 Years of Brutal, Repressive Communist Rule

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Ben Shapiro, Conservative pundit and author will be legal and peaceful, because it is our in the wake of the bloody terrorist Brussels, commitment to peace and brotherhood of Belgium suicide-bombing attack leaving all human beings living on this planet.” dozens dead and hundreds wounded. ommunist ex-dictator of Cuba, 89 year old Fidel Castro, But You Can Expect One Anyway... repudiating Obama just days after his diplomatic trip e need a president who sets to the impoverished island aside political correctness. nation in March. It seems We don’t need another lecture impossible for the Obama about Islamophobia.” administration to craft even a diplomatic agreement Anticipating a typical Obama response to the Credit: Creative Commons with a nation to which we massive terror attack in Belgium, presidential are adverse without giving every concession candidate Ted Cruz expressed the frustration felt while getting nothing in return - not even a by many Americans by preemptively rejecting modicum of respect. the usual “lecture,” by a president who always seems far more concerned with offending Emory U Students Traumatised Muslims then he does protecting Americans. At the same time Cruz offered those words, Require Counseling President Obama was in Cuba, once ou are not listening! again apologizing Come speak to us, we for America are in pain! I’m supposed to while cozying up feel comfortable and safe, but this man to Communist is being supported by students on our dictator Raul campus and our administration shows Castro and posing Widely Circulated Image of Pres. that they, by their silence, support it as Posing In Front of Marxist in front of an image Obama Mass-Murder Che Guevara well … I don’t deserve to feel afraid at my of Marxist massschool!” muderer, racist and warmonger Che Guevara.

An Emory University student, briefly poking Castro Mocks Obama her nose out from her safe space, and being immediately assaulted by chalk drawings on warn you that we are capable of campus saying, “TRUMP 2016.” Barely surviving producing the food and material the attack on her liberalism, the student wealth we need with the effort and demanded action from the administration. intelligence of our people. We do not need the empire to give us nothing. Our efforts

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NEWS MARSH & MCLENNAN AGENCY ACQUIRES FLORIDA’S CELEDINAS INSURANCE GROUP

hite Plains, New York, March 2, 2016 – Marsh & McLennan Agency LLC (MMA), the middle market agency subsidiary of Marsh, today announced it has acquired Celedinas Insurance Group, one of Florida’s largest independent agencies. Terms of the transaction were not disclosed.

out of their existing five offices throughout Florida under the name Celedinas Insurance Group, a Marsh & McLennan Agency company, and under Mr. Celedinas’ leadership. In connection with this acquisition, Mr. Celedinas also has been named N a t i o n a l Private Client Practice leader for MMA.

Established in 1959 and “Celedinas is headquartered a top-notch, in Palm Beach full service Gardens, Florida, insurance C e l e d i n a s brokerage firm Ray Celedinas g e n e r a t e s that is widely President and CEO approximately recognized as $22 million in annual revenue a leader in the high-net worth and specializes in providing personal lines industry,” said property/casualty insurance, David Eslick, chairman and CEO marine insurance, and employee of Marsh & McLennan Agency. benefits services to businesses “I’m thrilled that we are joining and individuals, with particular forces and look forward to Ray expertise in working with and his team helping to drive high-net worth individuals and forward MMA’s private client families. strategy nationally.” All of Celedinas’ 120 employees and leadership, including President and CEO Ray Celedinas, are joining MMA and will continue to operate www.underwritersinsider.com

that MMA and Marsh bring to bear, our clients now have access to a wider range of expertise, services, and solutions to address their needs.” Marsh President and CEO Peter Zaffino added: “MMA’s addition of Celedinas enhances our capabilities in high-net worth personal lines and will allow us to accelerate revenue growth in this important segment. Ray Celedinas is a highly respected leader, and we are very pleased to welcome an accomplished executive of his caliber and experience to MMA’s leadership team.”

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“Joining MMA is an excellent opportunity for Celedinas to build upon its success over the last five decades,” said Mr. Celedinas. “With the resources Table of Contents

April 2016

www.zalma.com • web log, “Zalma on Insurance” • videoblog, “Zalma’s Insurance 101”

INSURANCE & THE LAW Continued From Page 11

occurrence in a case involving burns suffered by a child while in the care of an insured. After the child was burned, the child was placed in a bathtub containing hot water and the insured did not seek treatment for the child until several hours later. The Ohio Court of Appeals concluded that despite the number of negligent acts, the child’s injuries arose from a single occurrence.

may also pursue claims against the employees individually for their negligence. Moreover, if there had been more than one insurance policy, Davis and “occurrence” or “accident” within Woods would have claims under the meaning of a policy limits those policies even though only clause in a liability insurance one accident occurred. policy generally arises under However, merely because there the prevailing cause approach, were multiple negligent acts the number of occurrences that combined to cause a single is determined by whether injury or multiple causes of there is but one proximate, action may be asserted does uninterrupted and continuing not mean there were multiple cause which resulted in all of Finally, the Court of Appeal occurrences as that term is the injuries and damages. was also in agreement with the unambiguously defined in the succinct summation given in Kentucky Farm Bureau policy. The maximum limit of liability Koikos v. Travelers Ins. Co., 849 There are frequently multiple of the insurer for any one So.2d 263, 271 (Fla. 2003): “The acts of negligence that cause occurrence was $50,000.00. The insured’s alleged negligence a single injury. Under the policy provided that all bodily is not the ‘occurrence’; the unambiguous language of injury arising out of continuous insured’s alleged negligence the policy, the meaning of exposure to substantially the is the basis upon which the “occurrence” in the Kentucky same general conditions shall insured is being sued by the Farm Bureau policy is “accident.” be considered as arising out injured party. Focusing on the There was only one accident, of one occurrence. Davis and immediate cause-that is the act Ja’Corey’s choking on a pushWoods present an innovative that causes the damage-rather pin. The $500,000 limit applies. argument that even where only than the underlying tort-that a single injury results, under the is the insured’s negligence- ZALMA OPINION cause approach, the amount is also consistent with the of coverage available depends interpretation of other forms of Insurance is not a benefit upon the number of negligent insurance policies.” provided to those wrongfully acts that caused the injury. injured. It is a contract that Davis and Woods allege various must be enforced in accordance While a novel argument acts of negligence and theories with its terms and conditions. in Kentucky, it is arguably of liability against Trina’s and its Although the loss of a child is supported by only a handful of employees. As noted by Davis tragic and the parents should cases from other jurisdictions. and Woods, they may pursue recover as much as they can from Following the reasoning in causes of action against Trina’s those responsible, the tragedy Nationwide Mut. Fire Ins. Co. v. for its own negligence and for cannot change the meaning of Kubacko, 124 Ohio App.3d 282, respondeat superior liability the contract of insurance nor 706 N.E.2d 17 (1997), the Court due to the negligent acts or change the amount of coverage considered the definition of omissions of its employees. They purchased.

ZALMA

FRAUD

NINE EXTREME SCHEMERS OF 2015 ELECTED TO INSURANCE FRAUD HALL OF SHAME Most-brazen convicted insurance scammers of 2015 recognized by Coalition Against Insurance Fraud

ASHINGTON,— Blown-up houses, staged wrecks and bogus spine surgeries were among the damage inflicted by nine convicted scammers newly selected to the Insurance Fraud Hall of Shame. They were enshrined by the Coalition Against Insurance Fraud. The Hall of Shame recognizes the year’s most-extreme insurance schemers. All were convicted or had other legal closure in 2015. True-life cases reveal insurance fraud’s high human costs. At least $80 billion is stolen a year. Innocent people are traumatized, injured and lose their savings. Welcome to the crime warp: Burning desire: Financially strapped Mark Leonard botched an insurance arson of his Indianapolis home. A leaking gas line blew up the place, killed two next-door neighbors and leveled much of the neighborhood. Puppy plot: Nearly 30 puppies 44

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cringed in their cages as Gloria Lee’s henchman spread gasoline around her Las Vegas pet shop for an insurance arson. Incredibly, Lee’s own store security cameras filmed her executing these scheme. The dogs were saved.

Worthy sold throughout the U.S. in a $14-million theft. Many of the South Carolina man’s victims had thousands of dollars in unpaid hospital bills.

Police raid. NYPD officer Jose Urena became lawless. Dollars & dents: One of He kept buying Mercedes he America’s biggest staged- couldn’t afford. He then burned, crash rings-ever stole money in vandalized or crashed them for the New York City area. Crash false insurance claims — and to kingpin Mikhail Zemlyansky escape car payments. churned out $279 million in false injury claims from setup wrecks. Lifeless life plot. Debt-ridden He bribed doctors to make false Jose Lantigua bribed corrupt diagnoses. officials to declare he’d died and was cremated in Venezuela. Spineless spinal con: Dr. Aria The Jacksonville, Fla. man tried Sabit sliced open and fused to steal more than $9 million in spines of healthy patients to try life insurance. Except Lantigua and steal $32 million of insurance looked nothing like the U.S. man money. Some of the Detroit-area whose identity he stole. man’s patients were disfigured and permanently injured. Deadly life insurance. Pierre Collins beat his son Barway to Unsettling settlements: death, duct-taped his body and Manhattan attorney Steven threw him into a Minneapolis Krawitz stole $1.9 million of river for a mere $50,000 in life insurance settlements from insurance. nearly 50 clients. Most received no money; some were destitute. The Coalition Against insurance Krawitz even stole from a Fraud is a nonprofit alliance 96-year-old great-grandmother. of consumer groups, insurers and government agencies Unhealthy health plans. At combating all forms of insurance least 12,000 consumers bought crime. The Coalition was founded fake health coverage William in 1993. Table of Contents

April 2016

TECHNOLOGY about almost daily. Hackers rarely waste time on individuals these days. They’ve got much bigger fish to fry. Large retailers, for example – or the databases where these third-party companies store the Facebook apps: This is when information they’ve gathered. you receive a request to play a That’s why everyone should Facebook game your friends are take these steps to protect their obsessed with, and you decide private information. to sign up. If you’ve ever done this before, then you’ve allowed Review and edit installed apps: that app developer to track you. To see what apps you’ve installed These third-party apps integrate over the years, open Facebook with your Facebook profile and in your browser, click the down generally have permission to pull arrow in the upper right corner whatever information they want. and select “Settings.” Then click And although you can edit what on the “Apps” header in the left information they can access, very column. few people do.

server. Not every app developer is going to have Microsoft-level security, and hackers are good at turning tiny pieces of stolen information into big gains.

Editor’s Note: I found about a dozen Apps, many I had never heard of, sucking data from my Facebook page. Yikes! Now removed...

See Komando Page 46

Continued From Page 9

KIM KOMANDO

Facebook logins: This is when you visit a site and it says “Log in with Facebook,” and you do, then you’re letting that company track you. Friends’ apps monitoring you: Even if you didn’t download an app, Facebook’s default settings allow apps your friends have installed to also see YOU. It’s pretty scary. How to stop it from happening: You might be wondering why this even matters, and how it really impacts you personally. The easiest way to answer those questions is to point out all of those big data breaches you hear

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To see what information an app is accessing, click the pencil icon next to any of the apps to see and edit the settings. The first setting lets you set who can see that you use the app. It defaults to “Only Me,” so it isn’t a big deal. Below it, however, is another story. In the case of Skype, for example, it pulls your public profile information along with your list of friends, email address, birthday and hometown.

If you want to keep using the app, you can deselect certain items, such as your email address. Be aware that won’t remove the information from the app developer’s servers, however. If you change your email address in the future, however, the developer won’t get the new one. Remove apps you don’t use: If you don’t want to use the app anymore, you can click the

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Remember that this information is being stored on a third-party Table of Contents

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Continued From Page 45

KOMANDO

“Remove app” link at the bottom of the page. Just remember that this won’t automatically remove your information from the app developer’s servers. For that you’ll need to contact the app developer directly. Facebook has a link for more information on this under the “Remove info collected by the app” section in the app’s settings. Turn off apps completely: If you’ve deleted all the apps, and you’re not keen on accidentally installing more in the future, you can turn off the app platform completely. Just note you won’t be able to install apps or log in to third-party sites using Facebook until you turn this back on. To turn off the app platform, go back to the App Settings page. Under “Apps, Websites and Plugins,” click the “Edit” button. At first, this just looks like a way to disable app notifications and invites from other people, which is a big help on its own. However, you’ll want to click the “Disable Platform” link in the bottom left corner.

app developers might have collected about you already. Stop logging into sites using Facebook: In the future, when you’re adding an app or logging into a website try to avoid logging in with Facebook. But, if you must use Facebook to log in, then look for the “Log in Anonymously” or “Guest” option so it won’t share your information.

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On the Kim Komando Show, the nation’s largest weekend radio talk show, Kim takes Stop friends’ apps from calls and dispenses advice on seeing your info: Apps can still today’s digital lifestyle, from get your information through smartphones and tablets to your friends. By default as online privacy and data hacks. your friends install apps, those For her daily tips, free newsletters apps have permission to grab and more, visit her website at whatever info about you your Komando.com. Kim also posts friends can see. breaking tech news 24/7 at News.Komando.com. To put a stop to this, go back to the App Settings page. Then Why Do Ad under “Apps Others Use” click the “Edit” button. Agencies Hate The You’ll see everything that your friends’ apps can see about you. Go through and uncheck every option listed on the page, and then click “Save.” Now companies can’t track new information about you.

Apps aren’t the only worry you’ll run into on Facebook. Recently I told you how scammers use Facebook like-farming can put Facebook gives you the standard your privacy at risk. Find out warning about what disabling how like-farming works and the platform does. If you’re how you can avoid it. OK with it, click the “Disable Platform” button. Again, this If you want to like something won’t remove information that safe that will also bring you 46

the latest news and updates to stay ahead of the game in your digital life, head over to my Facebook page at Facebook. com/KimKomando and click the like button.

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April 2016

NEWS

NC ARRESTS FIVE IN THREE STAGED U-HAUL ACCIDENTS

ALEIGH -- Insurance Commissioner Wayne Goodwin today announced the arrests of five Wilmington women in connection with an alleged staged auto accident ring. Investigators allege that over the course of three separate vehicle crashes, the women provided false statements to law enforcement and insurance companies in an effort to receive insurance benefits.

Doris Canty, 61, was charged with one count each of obtaining property by false pretense and insurance fraud. Jessica Denise Goodman, 39, was charged with three counts

each of attempting to obtain property by false pretense and insurance fraud, two counts of felony conspiracy and one count each of misdemeanor conspiracy and misdemeanor child abuse. Extase Shyneice Pollock, 21, was charged with two counts of felony conspiracy and one count each of injury to personal property, insurance fraud and misdemeanor conspiracy. Shaquetta Sade Washington, 20, was charged in New Hanover County with one count of aiding and abetting to obtain property by false pretense. Investigators seek Teresa Halsey Pollock, for two counts of felony conspiracy and one count each of attempted fraud.

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