The Underwriter's Insider July 2015 by The Underwriter's Insider

Features 5 Advertising 9 Kim Komando 22 Inside Track 27 Insider Advisor 28 Classifieds 32 Say What? 34 Back Issues

News 4 7 9 10

HILLARY A “CONGENITAL LIAR?” 57% OF VOTERS THINK SO...

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SCOTUS RULES AND AMERICA LOSES OP/ED BY SPENCER A LEHMANN, RHU

CENTRAL FLORIDA CLINIC OWNER AND CO-CONSPIRATORS ARRESTED FOR PIP FRAUD

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NORTH CAROLINA AGENT ACCUSED OF FORGING INSURANCE APPS

FLORIDA ANNOUNCES ARREST OF ORLANDO AGENT - $150,000 FRAUD ONE FACEBOOK TRICK TO PREVENT EMBARRASMENT - BY KIM KOMANDO INSURED MAY EFFECTIVELY WAIVE SUBROGATION - EXPERT ANALYSIS BY BARRY ZALMA, ESQ

FYI EXPO 2015 JULY 9TH TO 11TH DON’T MISS THIS EVENT! CALIFORNIA AGENT INSTALLED VID CAMERA IN AGENCY BATHROOM TO RECORD FEMALE EMPLOYEE - COURT UPHOLDS LICENSE REVOCATION

CINCINNATI INSURANCE FRAUD RING BUSTED LAAIA TO HOST THEIR 45TH LAAIA ANNUAL INSURANCE CONVENTION LA COMMISSIONER DONELON ADDRESSES HIGH COST OF INSURANCE F RAUD

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News 21 24 24

FLORIDA ANNOUNCES SIX ARRESTS IN MASSIVE WORKERS’ COMP FRAUD SCAM

SHOCK VIDEO! GUESS WHICH MULTIMILLION DOLLAR MANSION BELONGS TO WHICH CANDIDATE? - YOU WILL BE SURPRISED!

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WHEN YOUR AGING AUTO INSURANCE CLIENT CAN LONGER DRIVE SAFELY...

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ALL RISKS ANNOUNCES NEW PROGRAM TAILORED TO FRANCHISED HOTELS

NORTH CAROLINA INSURANCE AGENT ACCUSED OF EMBEZZLEMENT THE COST OF LIBERALISM: THE BEST AND THE BRIGHTEST FLEE SOCIALIST FRANCE IN RECORD NUMBERS

FINALLY FOUND: A LIBERAL PARADISE! HAVE YOU SEEN THE FAMOUS OBAMA WORKOUT? TOO DAMN FUNNY... WHY WE ARE LOSING THE WAR ON TERROR - NO COMMANDER-IN-CHIEF WHY AMERICA LOST IN THE LATEST SUPREME COURT OBAMACARE RULING PC GONE STUPID? WAIT TILL YOU HEAR ABOUT MICROAGGRESSIONS! ANESTHESIOLOGIST TRASHES SEDATED PATIENT - COSTS HER $500K! - VIDEO WATCH A PHONOGRAPH NEEDLE TRAVEL AN LP GROOVE UNDER AN ELECTRON MICROSCOPE

THREE MIAMI RESIDENTS ARRESTED FOR P.I.P. FRAUD IN EXCESS OF $99K CALIFORNIA AGENT GUILTY OF GRAND THEFT

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Sponsors 6 7 8 17 20 18 22 26 26 27 38 39 40 37 42

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Cover Photo: © R. Manera

HILLARY A “CONGENITAL LIAR?”

“

The record of Hillary Clinton’s lies is long, growing and distinguished. American voters are reacting: 57% of survey responders believe she has an honesty problem and her Democratic rival, Bernie Sanders, is surging in the polls. Could her perceived (or real) lack of integrity cost her the Democratic nomination?

If you plan on voting for Hillary Clinton for president, you need to ask yourself one simple question: Why?” Blogger “Tortoise” commenting on the latest news release on hidden and redacted emails once located on Hillary’s illegal and secret home email server - emails she lied about repeatedly.

as dishonest and untrustworthy, according to a July 1st survey. See CNN report [HERE]. The Clinton campaign has arrogantly dismissed the polls as “unreliable” even as her ratings against possible Republican nominees are slipping.

donors received indirect but clear benefits from the State Department while dumping millions of dollars into the foundation, have badly tarnished Clinton’s image.

The candidate needs to ask herself: “Is it possible to win the Months of controversy regarding presidency when more than half her emails while Secretary of the country thinks you’re a liar?” A majority of voters in swing State and scandals involving Click on the Video below: state polls view the candidate The Clinton Foundation, where

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FLORIDA DIVISION OF INSURANCE FRAUD ANNOUNCES THE ARREST OF ORLANDO INSURANCE AGENT FOR DEFRAUDING INSURANCE COMPANY OF MORE THAN $150,000

RLANDO, Fla. - The Florida Department of Financial Services’ Division of Insurance Fraud today announced the arrest of Orlando insurance agent Joseph Oddo, 46, for defrauding Ameritas Life Insurance Corp. of more than $150,000 in commission payments he was not entitled to.

After learning of a warrant for his arrest, Joseph Oddo turned himself into the Orange County Jail. His bond However, Oddo stopped was set at $20,000, and he paying the premiums causing is charged with one count the policies to get cancelled. of Scheme to Defraud over By failing to keep the policies $50,000 and one count of current, Oddo had not earned Fraudulent Use of Personal the commission payments Identification Information. His that were paid out to him case will be prosecuted by the and was stealing from the office of State Attorney Jeffrey insurance company. Ameritas L Ashton, and he faces up to The investigation conducted Life Insurance Corp. was blind 35 years in prison if convicted. revealed that Oddo to Joseph Oddo’s scheme, and fraudulently used his mother’s it wasn’t until the policies The Department’s Division name and insurance license lapsed and were cancelled of Agents & Agency Services to sell 19 Ameritas Life Corp. that his fraudulent actions has suspended his license to insurance policies because were revealed. transact insurance in Florida. he was not appointed to sell for the company. With each policy sale, Oddo collected an advanced commission and represented to his clients that a special program permitted him to provide a ‘free’ life insurance policy. Bank records and interviews with Joseph Oddo’s clients showed that for a short time, Oddo deposited premium funds into his clients’ www.underwritersinsider.com

bank accounts - funds that Ameritas would later debit from the account.

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JULY 2015 A Publication of AdMax Corp Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Senior Editor 561.718.0745 • ron@insurmedia.com © Entire Contents 2015 AdMax Corp

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ONE FACEBOOK TRICK TO PREVENT EMBARRESMENT

Really Cool Info - by Kim Komando ow long have been The Activity Log

using Facebook? One year? Five years? Ten years? Even if it’s only been a few months, you might have some embarrassing information lurking in your history that you don’t even remember posting. Do you want your new squeeze, a co-worker, family member or even a potential employer stumbling on it? Fortunately, Facebook has an easy way to review your history and remove posts that really shouldn’t be in there. It’s called the Activity Log.

To get started, sign in to your Facebook account. Then click the down arrow in the upperright corner and select Activity Log. You can also click your name in the top bar to go to your Facebook page and then click the “View Activity Log” button on the right side of the cover photo area.

Timeline about those topics. For example, if you only want to look at things you’ve posted in the past, select “Your Posts.” You can also just look at “Photos,” things you’ve “Liked” and “Comments” you’ve made on posts, photos and videos. Click the “More” link to see more filters like “Videos,” “Groups” and “Location History.” Location History is especially helpful if in the past you were a little too free with telling people where you were. After all, an increasing number of burglars use social media to target their victims.

One thing you probably didn’t know Facebook tracks is your search history. Everything and everybody who you’ve searched for on Facebook is visible to anyone who gets the left-hand access to your account. column you’ll see a huge To see your search history, list of filters. look in the left column of the These show Activity Log and click “More” you just under “Photos, Likes and the posts Comments.” Then click “Search” in your near the bottom of the list. You can delete individual entries by clicking the “circle with a slash” icon and selecting “Delete.” You can also click “Clear Searches” at the top to wipe everything at once. I have a full walkthrough of the process on my site.

The Activity Log might seem a little overwhelming at first with thousands of entries to scroll through, but Facebook has a few tools to make things easier. In

See Kim Komando Pg 39 www.underwritersinsider.com

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ubrogation is an equitable remedy where an insurer that pays to indemnify its insured will be able to step into the shoes of the insured and sue any tortfeasor who is responsible for the property damage that its policy of insurance was required to indemnify its insured because of the property damage.

Barry Zalma, Esq., CFE is a California attorney specializing in insurance coverage, insurance claims handling and fraud who serves as a consultant and expert for insurers and policyholders. He founded Zalma Insurance Consultants in 2001 and serves as its senior consultant. He recently published an e-book, “Getting The Whole Truth,” which is available at his Web site, www.zalma.com. Go to Zalma Books at http://www.zalma.com/zalmabooks. htm.

Like all rights the right of subrogation can be waived. Most Commercial Property Insurance contracts authorize the insured to waive subrogation as long as the waiver happens before the loss and is a clear, unambiguous written agreement. When people enter into a construction contract published by the American Institute of Architects (“AIA”) the written agreement includes a waiver of subrogation against each other. What that means in understandable language is that the parties agree – rather than Join Barry Zalma’s new Blog:

http://www.zalma.com/blog

and subcontractors, alleging negligence, breach of implied warranties, and breach of contract, alleging that subcontractor’s negligence was primary cause of fire that occurred during renovation that severely damaged courthouse. Defendants filed motions for summary judgment, arguing that the county had agreed to provide insurance for project, and that county had waived its subrogation rights against them and, thus, was not entitled to recover damages. Property owners and contractors routinely agree to waive subrogation rights for damages. Here, the parties did so by incorporating an American Institute of Architects (“ALA”) standard form into their contract for the repair of the Jefferson County courthouse. While the repairs were underway, a fire severely damaged the courthouse.

sue each other for tort damages – to rely on their own insurance in the event of a loss. By so doing the builder can charge less to do the work and the owner can be sure to avoid litigation. The AIA contract waives subrogation rights for all FACTS “damages caused by fire or other perils to the extent covered by The County, which had entered property insurance.” The parties into construction project now dispute the meaning of contract with general contractor the subrogation waiver. Owner for courthouse renovation, filed seeks to subrogate all damages suit against general contractor unrelated to repairs, arguing that

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the subrogation waiver applies only to construction-related damages. Contractor argues that all damages covered by Owner’s property insurance policy are waived. Both parties cite other states’ precedent to support their position, and the decision below created a split of authority in our own Court of Appeals. We granted transfer in this matter of first impression to establish the Indiana approach.

St. Paul Fire and Marine Insurance of the damaged property. Company (“St. Paul policy”).

DISCUSSION AND DECISION

We must decide whether, under the plain meaning of the AIA contract, property owners waive subrogation rights for construction damages by maintaining “all-risk” property insurance policies that cover On May 20, 2009, a fire destroyed both their construction-related much of the Jefferson County damages and their entire courthouse, located in Madison, property. Indiana. Jefferson County alleged that the fire began while The AIA subrogation waiver is Daniel Gutapfel—a roofing well-known in the construction subcontractor—was soldering industry and it plays a critical copper downspouts near the role in the AIA contract’s scheme remedying construction wood frame of the courthouse of as part of a four-phase plan losses through insurance claims, to remodel and renovate the not lawsuits. The court had no entire building. The damages choice but to presume the waiver far exceeded the remodeling represents the freely bargained costs, but were fully covered agreement of the parties. by Jefferson County’s property insurer, which paid Jefferson The waiver applies to all “damages County under its policy after the caused by fire,” but only “to the extent covered by property fire. insurance obtained pursuant Jefferson County could satisfy its to this Paragraph 11.3 or other property insurance requirements property insurance applicable in one of two ways: either (1) to the Work.” Thus, to determine procure a separate policy to cover which fire damages are covered by only the renovations-commonly the subrogation waiver, we must referred to as “builders-risk look at everything that follows insurance”-or (2) rely on its the phrase “to the extent.” The existing “all-risk” property positioning and plain meaning insurance policy to cover the of the word “covered” restricts the entire courthouse, including the scope of the subrogation waiver renovations. Jefferson County based on the source and extent of chose to rely on its existing “all- the property insurance coverage, risk” policy that it maintained with not the nature of the damages or www.underwritersinsider.com

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CONCLUSION The Supreme Court of Indiana, in Board of Com’rs of County of Jefferson v. Teton Corp., — N.E.3d —-, 2015 WL 2242352 (Ind., 5/13/15), concluded that the plain meaning of the contract defines the scope of the waiver based on the extent and source of coverage, not the nature of the property damaged. Accordingly, it agreed with the majority of jurisdictions that have applied this plain meaning to bar recovery for all damages covered by the same property insurance policy used to cover construction-related damages-commonly referred to as the “any insurance” approach. Because Contractors have shown that Owner’s insurance covered all damages, the subrogation waiver applies to bar Owner’s claim. The Supreme Court’s holding is supported by the majority of other jurisdictions that have adopted the “any insurance” approach when interpreting similar AIA waivers. The contract also waived all subrogation rights for damages “to the extent covered by property insurance obtained pursuant to this [agreement] or other property insurance applicable to the Work. Jefferson County agreed to waive its rights to bring this subrogation claim by relying on its existing See ZALMA Page 24 11

SCOTUS RULES AND AMERICA LOSES

OP/ED BY SPENCER A. LEHMANN, RHU

n Thursday Jun 25, 2015, the Supreme Court of the United States of America ruled on the Subsidy issue and ruled for the UnACA (the UnAffordable Care Act). In doing so, the Supreme Court left the arena of just interpreting law, and made law. That isn’t just my biased opinion as a Health Care expert who has been following this law since its corrupt inception in 2009 and 2010 when this politically motivated law, crafted behind closed doors in secret meetings was first given its disingenuous and dishonest birth, it is also the opinion of Justice Antonin Scalia, who wrote the dissent to the Supreme Court’s ruling. Justice Scalia was blunt and to the point in his response to this rewriting of the PPACA law. Scalia condemned the majority decision written by Chief Justice John Roberts as a “defense of the indefensible” and criticizes it for its “interpretive jiggerypokery” and “somersaults of statutory interpretation.” He calls some of the arguments

in the majority decision “pure applesauce.” [ HERE ]

Spencer A. Lehmann is a Registered Health Underwriter (RHU), whose company, Lehmann/Wood & Associates, Inc., specializes in Group and Individual Long Term Care insurance and Medicare Supplemental Coverage. Mr. Lehmann retired from his company in 2005 and now spends his time writing on Health Care Insurance and Political Issues, both of which have encompassed over 40+ years of his life. He has been an actively involved member of the National Association of Health Underwriters (NAHU) since 1978, and serves on the Board of Directors of several Charitable Organizations’ helping Special Needs Children, and Inner-City Children to experience and participate in the world of the Arts and Music. In his free time he plays golf with his wife, Fran, who usually wins.

It is important here to remember that when the UnACA first came before the Supreme Court to have the ruling of the Individual Mandate decision made, it was the same Justice John Roberts who issued a tortured decision calling the Individual Mandate penalties a “Tax”, thereby squirreling that mandate into Constitutional “correctness” by making those penalties a tax. The Obama Administration, given that “Gift” by Justice Roberts, has admitted that the Individual Mandate is a tax, but has President Obama? No. The man who has demonstrated that he has all of the markers of a pathological liar from his “If you like your policy you can keep it.” to “If you like your doctor, your hospital, your… you can [keep them]”, refuses to call the Individual Mandate a tax. [ HERE ] Justice Scalia has more to say about Justice Roberts’ decision: “Here are some other highlights from Scalia’s withering critique: “Words

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longer

have

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meaning if an Exchange that is not established by a State is ‘established by the State.’ It is hard to come up with a clearer way to limit tax credits to state Exchanges than to use the words ‘established by the State.’ And it is hard to come up with a reason to include the words ‘by the State’ other than the purpose of limiting credits to state Exchanges.” “Yet the [majority] opinion continues, with no semblance of shame, that ‘it is also possible that the phrase refers to all Exchanges—both State and Federal.’ … (Impossible possibility, thy name is an opinion on the Affordable Care Act!)” “The Court holds that when the Patient Protection and Affordable Care Act says ‘Exchange established by the State’ it means ‘Exchange established by the State or the Federal Government.’ That is of course quite absurd, and the Court’s 21 pages of explanation make it no less so.” “This case requires us to decide

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whether someone who buys insurance on an Exchange established by the Secretary gets tax credits. You would think the answer would be obvious—so obvious there would hardly be a need for the Supreme Court to hear a case about it.” “Under all the usual rules of interpretation, in short, the Government should lose this case. But normal rules of interpretation seem always to yield to the overriding principle of the present Court: The Affordable Care Act must be saved.” “Much less is it our place to make everything come out right when Congress does not do its job properly. It is up to Congress to design its laws with care, and it is up to the people to hold them to account if they fail to carry out that responsibility. Rather than rewriting the law under the pretense of interpreting it, the Court should have left it to Congress to decide what to do about the Act’s limitation of tax credits to state Exchanges…. The Court’s insistence on making a choice that should be made by Congress both aggrandizes

judicial power and encourages congressional lassitude.” “Having transformed two major parts of the law, the Court today has turned its attention to a third. The Act that Congress passed makes tax credits available only on an “Exchange established by the State.” This Court, however, See ObamaCare’s Troubles- Page 30

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CALIFORNIA INSURANCE AGENT INSTALLED VIDEO CAMERA IN AGENCY BATHROOM TO RECORD FEMALE EMPLOYEE - COURT UPHOLDS LICENSE REVOCATION Shew was also convicted of gross lewdness for taking topless photographs of a sleeping friend without her knowledge or consent. Sexual misconduct conviction in two states leads to license enforcement action

RESNO, Calif. - The Court of Appeal upheld a decision by Insurance Commissioner Dave Jones to revoke the brokeragent license of Wellman Dale Shew, 55, of Fresno. When the Department of Insurance learned that Shew had two misdemeanor convictions in California and Nevada for sexuallyrelated misconduct, the commissioner revoked Shew’s insurance license.

and they must be trustworthy and held to the highest standards of conduct, in order to protect the public. Shew’s actions were an egregious violation of trust, therefore he should not hold an agent license in California.”

Insurance Commissioner Dave Jones

Under his authority to protect consumers from agents and brokers who are a threat to the public and unfit to hold a license, the commissioner revoked Shew’s broker-agent license in 2013.

In Nevada, Shew was convicted of gross lewdness for taking topless photographs of a sleeping friend without her knowledge or consent.

Shew appealed the commissioner’s order revoking his license. In January 2014, a Fresno Superior Court judge upheld the commissioner’s order. Shew then “Shew was convicted of sexual appealed the trial court’s ruling to misconduct with two people he the Court of Appeal.

Shew installed a video camera in the bathroom of From www.shewandcompany.com website - which is still up as of 6/30/15 his Fresno area insurance agency office and, over the On June 1, 2015, the Court of course of several weeks, secretly knew, including an employee over Appeal, Fifth Appellate District, recorded a female employee while whom he had power and authority,” upheld the revocation of Shew’s said Insurance Commissioner she used the bathroom. Dave Jones. “Licensed agents and insurance license. Shew is no longer a licensed insurance He was convicted in California brokers have access to consumers’ broker-agent. of disorderly conduct (peeping). private and personal information www.underwritersinsider.com

CENTRAL FLORIDA CLINIC OWNER AND CO-CONSPIRATORS ARRESTED FOR PIP FRAUD

INTER HAVEN, Fla. – .Between October 2014 and The Florida Division March 2015, an investigation of Insurance Fraud uncovered evidence that Dr. today announced the arrest of Price’s Auburndale and Tampa Dr. Douglas Price, owner of the clinics were engaged in patient Florida Pain Trauma and Injury brokering, and also that clinic staff Clinic in Auburndale, were performing and three others treatments that on charges related they were not the operation of a qualified or licensed complex PIP fraud to perform. Dr. Price scam. Dr. Price, and his associate, along with Paulin Sonya Rivera, Sanon and Sonya offered $500 as Rivera of Haines City, compensation for and Juliena Julien 15 clinic visits, and of Winter Haven an additional $500 are accused of after 25 visits to the Dr. Douglas Price, recruiting patients to clinic for treatment owner of the Florida Pain visit Dr. Price’s clinic of injuries that Trauma and Injury Clinic for treatment of fake did not exist. A (Image: Linkedin) injuries following monetary offer was staged accidents. also extended for the recruitment of additional individuals to attend Following an October 2014 the clinic. staged accident, Juliena Julien unknowingly recruiting an Based on their roles in the undercover police officer to scheme, Dr. Price will be charged assist with their scheme. Julien with three counts of patient requested that the officer visit brokering, a 3rd degree felony; the Florida Pain Trauma and Sonya Rivera and Paulin Sanon, Injury Clinic to report fraudulent one of Dr. Price’s marketers, will injuries and stated that he would both be charged with one count receive monetary compensation of patient brokering; and Juliena for doing so. Julien will be charged with the

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unlicensed practice of healthcare. The National Insurance Crime Bureau, the Winter Haven, Haines City and Auburndale Police Departments, along with the Polk County Sheriff’s Office and Bristol West Insurance Company assisted with the investigation, and the case will be prosecuted by Attorney General Pam Bondi’s Office of the Statewide Prosecutor.

NC AGENT ACCUSED OF FORGING INSURANCE APPS

nsurance Commissioner Wayne Goodwin announced the arrest of Ronald Pierre Whitaker, 48, of 1072 Tarboro Road, Youngsville; he is charged with one count each of obtaining property by false pretense and common law forgery. Department of Insurance criminal investigators accuse Whitaker of fraudulently obtaining $8,319.62 in unearned commissions from Senior Life Insurance by submitting forged insurance applications between November 2013 and June 2014. Whitaker was arrested on June 25 in Wake County and placed under a $2,000 bond.

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CINCINNATI INSURANCE FRAUD RING BUSTED

Lt. Governor Taylor Announces Member of Cincinnati Insurance Fraud Ring Sentenced

OLUMBUS — Lieutenant Governor Mary Taylor announced that Domynck Elahee was sentenced on June 16 in Hamilton County Common Pleas Court to three years of community control for insurance fraud and ordered to pay restitution to two insurance companies totaling nearly $7,700 for his role in a Cincinnati-area fraudulent insurance claim ring. www.underwritersinsider.com

“I am pleased that the sentencing phase of this case is underway and the message is being sent Elahee pleaded guilty on May 11 that insurance fraud will not be to three felony counts of insurance tolerated in Ohio,” said Taylor, also Director of the Ohio Department of fraud. Insurance. “Filing a false insurance claim is illegal and An investigation led by those who do it are the Ohio Department of harming all Ohioans Insurance resulted in the by driving up the indictment on Jan. 30 of five cost of insurance.” Cincinnati-area residents, including Elahee, on multiple Elahee is the first counts of insurance fraud for person in the ring filing false insurance claims in to be convicted and 2014 totaling approximately sentenced. $85,000. As part of the scheme to defraud insurance Mary Taylor The Ohio State companies, the individuals filed Highway Patrol and the National claims pertaining to automobile Insurance Crime Bureau assisted accidents that never occurred. in the investigation.

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LA COMMISSIONER DONELON ADDRESSES HIGH COSTS OF INSURANCE FRAUD FOLLOWING STATE POLICE ARRESTS

nsurance Commissioner Jim Donelon says the recent arrests of nearly three dozen suspected insurance fraudsters in Louisiana is a reminder that fraud is a serious crime that results in added costs for all policyholders.

prevention of insurance fraud and work diligently to reduce fraudulent claims in Louisiana.”

The recent arrests by Louisiana State Police were the result of complaints filed with the Louisiana Department of Insurance (LDI) Division of Fraud. Reports of suspected fraud are submitted in writing or through the Online Fraud Reporting System on the LDI Insurance Commissioner website.

According to the National Insurance Crime Bureau, more than 10 percent of the insurance claims submitted each year are fraudulent, making insurance fraud the second most costly Jim Donelon white-collar crime in America after tax evasion. The “Our fraud examiners review FBI estimates that fraud costs the these reports and if we determine average U.S. family between $400 that they have criminal and $700 a year in the form of implications, we pass them along increased premiums. to be investigated by State Police and potentially prosecuted. We “Those who stage accidents, take each of these reports very submit inflated invoices or forge seriously, and encourage those medical records may think that who suspect fraud is taking place they are only defrauding the to contact us immediately,” added insurance company, but the Commissioner Donelon. real result is that this behavior drives up the cost of insurance In addition, the LDI, through for everyone,” said Commissioner the efforts of the Louisiana Donelon. “This is why we are Automobile Theft and Insurance always actively engaged in the Fraud Prevention Authority, www.underwritersinsider.com

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supports the use of bait cars, license plate readers and educational outreach to combat insurance fraud. Additionally we sponsor billboards, public service announcements and public awareness campaigns to communicate this important message.

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FLORIDA ANNOUNCES SIX ARRESTS IN MASSIVE WORKERS’ COMPENSATION FRAUD SCAM

SCHEME UTILIZED DUMMY CORPORATIONS, CHECK-CASHING BUSINESSES & FAKE BUSINESS CARDS TO CONCEAL PAYROLL

ALLAHASSEE, Fla. — Chief Financial Officer Jeff Atwater today announced six Central Florida insurance fraud arrests that breakdown an elaborate Central Florida workers’ compensation insurance fraud scheme. An investigation led by the Department of Financial Services’ Division of Insurance Fraud revealed a large-scale premium fraud scheme in which these six individuals created multiple shell corporations in order to systematically conceal payroll amounts for the purposes of obtaining low-cost workers’ compensation policies.

activities and operations of the illegal activities.

Investigators believe that beginning in September 2012, the following Central Florida businesses were opened and operated as shell companies: Alfa Construction, Burgos Construction, Ginel Construction, Rejevaz Services Inc., and PHH Construction. Shell companies are owned by straw owners, or individuals who, for a fee, agree to serve as the legal owner of a business because they have a clean criminal record. These businesses, however, were alternatively run by organizers who directed the day-to-day

By grossly deflating accurate payroll amounts, members of this fraud network fraudulently secured low cost workers’ compensation insurance policies. Payroll amounts were concealed through the use of check cashing stores, which circumvented proper bookkeeping measures. After securing certificates of insurance, organizers would ‘rent’ the certificates to work crews for a fee. Since the policies were obtained fraudulently, employees were not covered and therefore left vulnerable to high-dollar medical costs in the event of an

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on-the-job injury. To further their scheme, organizers would print and provide fake business cards to these work crews, who were instructed to present them to workers’ compensation compliance investigators who routinely conduct compliance checks at job sites to ensure proper coverage is in place.

Florida Chief Financial Officer Jeff Atwater

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This cycle of fraud would continue until an insurance policy expired or was cancelled, at which time organizers would open another shell company under a different name and begin the process again. The defendants were booked on Organized Scheme to Defraud charges in their respective jurisdictions, either Hillsborough or Orange County, and if convicted, face a maximum possible sentence of 15–30 years in prison. Additional arrests are expected. Attorney General Pam Bondi’s Office of the Statewide Prosecutor in Hillsborough County assisted in the investigation and is handling the prosecution of these cases. 21

Breaking News

ll Risks, Ltd., the nation’s largest independent wholesaler, proudly announces that the Austin Association of Insurance Professionals (AAIP) has recently elected Tiffany Way as President for the 20152016 term. AAIP held its annual inauguration dinner on Wednesday, May 20th at Pappasito’s Restaurant in Austin, TX. Additional officers and directors were also revealed at the dinner. In addition, Tiffany received the 2014-2015 Insurance Professional of the Year Award for her hard work and dedication to AAIP during the past year. She introduced her theme for the upcoming year, entitled, “Open Hearts, Open Mind, Open Doors,” and thanked the members for allowing her to serve as president of AAIP.

“U.S. presidential candidate and real estate mogul Donald Trump filed a $500 million lawsuit on Tuesday against Univision over the Spanishlanguage TV network’s decision to end its contract to broadcast the Miss USA pageant, which is co-owned by Trump. Univision said last week it would not air the July 12 pageant because of what it called insulting remarks about Mexican immigrants made by Trump when he announced he was running for the 2016 Republican presidential nomination.”

ith cars becoming smarter and smarter while connected to the Internet we’ve all seen story after story of self-driving cars - but your friendly financial institute is thinking about “self-banking” cars. From American Banker: “FIS, the largest fintech vendor in the world, has been researching ways for people to do tasks like check bank balances with their voices, according to company spokesman Brad Fennessy. It’s also looking at more complicated scenarios, such as turning the car into a wallet so when someone pulls up to the gas station, the pump is turned on and authorized because the vehicle is identified as belonging to an accountholder.”

ccording to a story in NewsMax,

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irginia insurance broker The Hilb Group L.L.C. on Tuesday said it has acquired two New England brokers: benefits advisory firm Cornerstone Group and property/casualty and employee benefits broker Gencorp Insurance Group. The transaction, which adds to Hilb’s middlemarket presence, became effective June 24, Hilb said in a statement. Terms of the deal were not disclosed. The consolidation of the two newly acquired companies will serve as the platform for Richmond, Virginia-based Hilb’s expansion into New England, according to the statement. Cornerstone, based in Warwick, Rhode Island, and Gencorp, based in East Greenwich, Rhode Island, will continue to do business under their current operating names. Existing management and leadership teams will remain intact, and the equity partners of both firms will continue to be partners in the consolidated company, the statement said.

ecause liberalism is all about “equal-outcome,” Democrats go bananas when one group ends up www.underwritersinsider.com

with anything more than another. Hence, the 40% “Cadillac Tax” on quality employer-sponsored healthcare plans slated to go into effect in 2018. How dare an employer offer a health plan with better coverage and lower deductibles than the shabby, unaffordable policies offered by the ObamaCare health-care exchanges! Because few employers will be able to subsidize that 40% penalty tax, it will raise little money for the feds to pay down the $1.7 trillion cost of ObamaCare, (twice what Obama promised) but everyone will feel so much better knowing that everyone is suffering equally from Obama’s socialized, bureaucratic mess. Those currently being afforded quality plans will be forced into the exchanges where they can look forward to deductibles up to $6,000, sparse coverage and a shrinking provider list.

usiness Insurance reported in June that, “An Aon P.L.C. report released Tuesday says aerospace sector premiums have fallen for the eighth consecutive year. The results were due to a lack of significant

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aerospace claims in the past year and the unprecedented level of capacity that has been attracted to insurance markets, the company’s 2015 Aerospace Insurance Market Report said. In the past eight years, the aerospace sector’s lead premium has been decreasing by about 5%. In 2014/2015, it decreased by an average of 8%. The improved risk profiles were attributed to “enhancements in technology, security and working practices,” which have had an impact across the aerospace industry, the report said.”

he U.S. Department of Labor is fiddling with the overtime exemption rules and lawyers that represent employers are concerned that the sector will not have a chance comment on the changes before implementation. Under the proposal, in 2016 the exemption for overtime would not kick in until salary levels reach $50,440 annually as compared to current levels of $23,660. Further, the exemption only applies to e xecutive, a dministrative or professional duties. 23

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ZALMA “all-risk” property insurance policy that covered the work and all other losses suffered in the courthouse fire. The Supreme Court reached this decision because the plain language of the AIA contract restricts the scope of the waiver based on the source and extent of property insurance coverage, not the nature of the damages. Accordingly summary judgment in favor of Contractors and against Jefferson County was proper.

NC INSURANCE AGENT ACCUSED OF EMBEZZLEMENT

ALEIGH -Insurance Commissioner Wayne Goodwin today announced the arrest of Mack McKinley Daniels, Jr., 46, of 1110 Camden Road, Wadesboro; he is charged with one count of embezzlement by an insurance agent.

Criminal investigators accuse Daniels, owner and operator of Daniels Affordable Insurance Service ZALMA OPINION in Rockingham, of embezzling more than $1,200 in insurance premium Waivers of subrogation are payments from September through important tools for owners of November 2014. property, whether dealing with contractors, or lessees. It gives Daniels was arrested on June 4 each party to a contract with in Richmond County and placed an owner of real property that under a $10,000 unsecured bond. regardless of the cause of damage to the property or who was responsible for the cause, both parties agree that they will rely on their own insurance rather than go to the trouble, inconvenience and expense of litigation. The county and its insurer tried to change the terms of their agreements and the Supreme Court insisted on requiring the parties to rely on their own insurance. 24

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THE COST OF LIBERALISM In France, the young, the best & the brightest flee a country that doesn’t want them to succeed or become affluent - watch the Vid!

s if the collapse of Greece’s heavily socialized economy wasn’t enough to show the fallacy of liberalism this month, the news of a braindrain, talent-drain & wealth-drain from socialized France should be. Advocates of freemarket capitalism have always wondered at the blind hope of liberals that there will always be someone there to pay for their welfare state - but not necessarily any longer in France. Those with an entrepreneurial & independent spirit are leaving in record numbers. Lesson for America? The Underwriter’s Insider

SHOCK VIDEO!

MAN ON THE STREET REPORTER ASKS ORDINARY VOTERS TO MATCH UP PRESIDENTIAL CANDIDATES WITH ONE OF FOUR MULTIMILLION DOLLAR MANSIONS (ONE AROUND $13 MILLION!) THE SHOCK COMES WHEN HE REVEALS THAT THEY ALL HAVE BELONGED TO A SINGLE CANDIDATE! AND YOU WON’T BELIEVE WHO...

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“The Final Authority on Everything!” On Aging Clients

y insurance office writes quite a bit of personal lines business including a large number of elderly drivers. Frankly, some of these drivers have a hard time simply negotiating their way from the door to my desk and I worry about them and others on the highway. I want to be fair to my companies and my customers. What guidelines should I use when attempting to determine whether I want to continue underwriting certain senior citizens or recommend they give up their license? C.S., Miami, FL

ADVISOR

• Ignores street signs and traffic lights. • Fails to judge distances between cars correctly. • Becomes easily distracted; appears drowsy, confused or frightened. • Has one or more nearaccidents. • Drifts between lanes or bumps into curbs. • Drives without headlights on. • Has difficulty with glare from oncoming headlights, streetlights, or other bright objects. • Has difficulty turning their head, neck, shoulders or body

while driving or parking. • Ignores signs of auto mechanical problems such as low-inflated tires (a frequent cause of accidents). • Not strong enough to turn the wheel quickly in an emergency situation. • Gets lost repeatedly, even in familiar areas. We might also add that if the customer drives his ’84 Buick through your plate glass window and parks on top of your copy machine, you should probably run down the list before issuing a binder.

Elderly drivers are more and more of a problem as our population ages. The Insurance Information Institute recently released a list of signs that it might be “time to retire from driving.” • Drives at inappropriate speeds; responds slowly or doesn’t notice other drivers or pedestrians. • Fails to yield to other cars or pedestrians who have the right-of-way. www.underwritersinsider.com

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Registered Customer Service Rep 4-40 Palm Beach County

Experienced Registered Cus-

FREE CLASSIFIED RULES: Submit all ads online at: www.underwritersinsider. tomer Service Representative com/classifieds. Ads must be less than 501 characters plus a title line. Eligible free classifieds include help wanted, position wanted, personal ads, agency for sale/purchase, or the one-time sale of an item or items. Place Ad HERE!

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Outside Biz Ins Rep Needed - Can Be Home Based

Local Tri county ins agency needs help with local biz ins clients all over south fla. Pls email resume to jdr33433@gnail.com. Compensation based on experience and all expenses reimbursed. You need us and we need you! 15-7

Florida Agents with 2-20 License for Palm Harbor Want to work in an exciting work place? Looking for a career and not just a job! We pay higher commissions then the standard industry offers. We are expanding our independent Property and Casualty Insurance agency in Palm Harbor, FL and currently seeking highly motivated professional people who hold a Florida 2-20 insurance license to join our sales team. Contact: gary.s@insurancesolutionstb.com

Premium Finance Sales Rep California

Insurance Premium Finance company is seeking an Account Sales Rep to cover our California territory. The ideal candidate will have experience in insurance industry and/or knowledge of insurance premium financing. Travel throughout the state of California required. All eligible candidates will be subject to a background search. Send resume to opportunities@financebulldog. com 15-2

CSR WANTED Deerfield Beach, FL Established office seeking 440/220 licensed CSR. Family owned business that treats employees as family. Work for a successful office. fax resume 954/427-9065 15-6

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Property and Casualty Agents Wanted Looking for self motivated agents in the state of FL. Contact:info@insurebenefits.com

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4-40 Wanted Bilingual English / Spanish with experience, to work in Lake Worth, Palm Beach, excellent working conditions requested. Angel 561-755-2586. 15-4

Personal Lines Producer Destin, FL Area Wanting an experienced self motivated producer for this high end area. Don@mcmahonhadder.com 15-3

Entrepreneurial Underwriter

Entrepreneurial, qualityfocused, P & C underwriter and marketing person seeks part time or full time employment. I bring knowledge, team spirit and enthusiasm to the job. I can work from my office in Cocoa or your office in the Orlando area. Contact cee42@aol.com 15-3

Experienced Personal lines CSR Wanted St. Pete FL Looking for a self motivated, ambitious inside sales account rep, 2-20 lic., may consider 4-40 for full or part time, duties include quoting and servicing accounts and account rounding for Business owners, Workers Comp, General Liability and other lines of business Established agency since 1958 Contact: rbozeman@bozemaninsurance.com 15-4 The Underwriter’s Insider

220 Needed for Outside Sales!!

Experienced Commercial Agent Boca Raton, FL Area

Experienced and Licensed Insurance CSR

Local South Broward county ins office needs an outside licensed producer. Can work from home and office. Must have experience writing comm lines policies. Very high compensation package. Send resume and cover letter today! florida.firstins@yahoo.com

We are a family owned and operated General Lines Agency located in Boca Raton since 2002 looking for an experienced Commercial Producer. We have access to ALL commercial standard and excess surplus markets at the MOST competitive premiums. You: local success experience, a self starter and ethical. Flexible commission splits, start up assistance, long term minded. 561-305-9599.

Large, independent property and casualty insurance agency located in Lake Mary, Florida is seeking 220, 2044 or 440 licensed and experienced customer service representatives. We represent over 40 insurance carriers. Great written and verbal communication skills are required.

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LICENSED 220 WANTED-FLORIDA INDEPENDENT LEAD GENERATOR FACE TO FACE OR PHONE CONTACT-COMMERCIAL & PERSONAL LINES-COMMISSION ONLY POSITION-50% NEW BUSINESS,25% RENEWALS-MUST HAVE OWN E&O COVERAGE-SERIOUS INQUIRIES ONLY. APPLEINSURANCE@MSN.COM 15-2

Experienced CSR Wanted - Louisville Kentucky Insurer specializing in personal jewelry coverage seeks CSR. Job includes processing applications, giving quotes & issuing policies. Must have agency CSR experience, good phone presence, and hold an Ins Property license. You should also have an interest in jewelry. Computer keyboarding skills & working knowledge of MS Office are crucial factors. Agency Management systems experience is a plus. 15-2 www.underwritersinsider.com

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EXPERIENCED AUTO INSURANCE AGENT EXPERIENCED AUTO SALES PROPERTY AND CASUALTY 220 AGENT SEEKING PROFESSIONAL AGENCY WHO APPRECIATES A WELLROUNDED SALES AGENT WHO IS EXCELLENT IN SALES AND VERY METICULOUS WITH RECORDING MEMOS AND HANDLING PAPERWORK. MUST HAVE A WARM AND FRIENDLY ATTITUDE AND BE CONCERNED ABOUT THE CLIENTS NEEDS. 15-2

$30k salary plus monthly bonus and excellent benefits. Check us out at www. TheFIS.com 15-3

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Purchase Retiring Agency (or merge) South Florida Purchase (or merge) a retiring agent’s or agency’s book of business in Palm Beach, Broward or possibly MiamiDade County. We prefer Homeowner and Commercial accounts. We have MOST Standard contracts. Must have demographics and performance history for last 5 years+. Flexible terms offered, possible partnership as well. Call 561-305-9599. CONFIDENTIAL 15-6

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2-20 or 20-44 Wanted-Miramar FL Send resume to timinsurance1@yahoo.com, fax 954404-7234 or visit us 6590 Pembroke Road Suite B., Miramar, FL 33023 15-2 29

Continued From Page 13

Product Manager Experienced Insurance Agent QQSolutions, Inc. - Strong insurance agency experience? Love technology and want to shape the future of software for independent agents? Join our Product Management team. Must have extensive experience working in commercial lines. 2-20 (220) Agent or 4-40 (440) CSR License Required. Direct experience using and administering agency management systems. Contact bnason@qqsolutions.com

Florida 2-20 or 4-40 Agent Hialeah

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Small agency has an opening position for a commercial lines agent with homeowner and auto insurance knowledge in Hialeah Fl 33018 15-2

Producer/Brokers Wanted: Nationally

Cont’d... S. Florida Hialeah Area 2-20 / 4-40 Needed Opening position in small Hialeah agency for a Commercial line with personal line knowledge, fluent in English and Spanish. Send your resume to customerservice@jonrayinsurance.net 15-3

concludes that this limitation would prevent the rest of the Act from working as well as hoped. So it rewrites the law to make tax credits available everywhere. We should start calling this law SCOTUScare.” [HERE]

It must be clear to even the most pro-ObamaCare fans, Experienced Licensed CSR Wanted that this ruling twisted the Ft. Lauderdale role of the SCOTUS from one of Agency needs experienced 440 interpreting the law into one licensed CSR for renewals/ of making law based on Justice sales. Renew policies upon expiration dates; obtain in- Roberts and his liberal leaning formation to determine cov- cohorts in this ruling “Social erage changes/requirements, Conscience wishes”, instead of and binding. Quote to shop renewals. Prepare/provide on doing their job as Justices information to insureds us- of the highest court in the land. ing verbal and written comThat is not what they have been munications. Cross-sell opIt is the job of portunities for auto, life, hired to do. and flood. Fax resume to 561- the Congress to make law and 948-4582 or email to ahart@ accessaip.com. 15-3

2-20 Agents & Producers USG Insurance Services, Inc. Wanted - FL & GA is a national wholesaler and MGA seeking experienced commercial E&S Producer/ Brokers for multiple locations. Mandatory E&S insurance experience, only those with a proven track record in sales should apply that are self-motivated, team players. Find out more about the position and how to apply at www.usgins.com under Careers. 15-3

OBAMACARE TROUBLES

We Insure Group, Inc. is one of Florida’s ‘Fastest Growing Companies’ and is looking to expand even more! Currently seeking new Agency Owners in Central and North Florida, as well as, experienced Producers throughout the entire state! Please Contact: We Insure Group Franchising franchise@ weinsuregroup.com 855-483-3901 15-3

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amend law, not the Supreme Court. Nonetheless that is what they have, in effect, done. Certainly this is an excellent argument as to the need to implement Term Limits on the Justices of the Supreme Court.

moving quickly down the tracks causing harm to America as no law before it, leaving vast Millions more Americans unable to access the health care they need. The UnACA mess continues.

That said, now it is the unquestioned and un-debatable law of the land. ObamaCare with all of its sores, pimples, boils in the form of high deductibles that Middle America cannot afford, premiums that have skyrocketed way past the affordability scale for most Middle Class Americans, making accessibility for most Americans a fantasy, only validate the incomprehension of the ludicrous decision by the SCOTUS.

FOUND: A LIBERAL PARADISE DOES EXIST!

The GOP must do more than they have to date, and develop meaningful amendments to fix this law, because as it stands this law is still a Trainwreck

â&#x20AC;&#x153;A liberalâ&#x20AC;&#x2122;s paradise would be a place where everybody has guaranteed employment, free comprehensive healthcare, free education, free food, free housing, free clothing, free utilities, and only law enforcement has guns. And believe it or not, such a place does indeed already exist:

VIEW THE FAMOUS OBAMA WORKOUT! (Now Banned On YouTube...)

It's called prison." - Sheriff Joe Arpaio

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reach to State Exchanges. But it is also possible that the phrase refers to all Exchanges—both State and Federal—at least for purposes of the tax Notable Quotes You May Have Missed! credits. Congress passed the Affordable Care Act to WHY WE ARE LOSING THE improve health insurance Chief Justice WAR ON TERROR: WE LACK markets, not to destroy John Roberts them. If at all possible, we A COMMANDER-IN-CHIEF must interpret the Act in a We’ve got a president who earlier this way that is consistent with the former, and year at the graduation ceremony of the avoids the latter.” Coast Guard, he stood up and actually told the graduates that the number-one threat From last month’s Supreme Court ruling to military in the world today is global written by judicial activist Chief Justice John warming. I’ve got a message for you Mr. Roberts. At the heart of challenge was an President: The number-one threat to the Obama Administration executive order military, the number-one threat to America, essentially changing the language of the PPACA passed by congress to allow health the number-one threat to insurance subsidies in states that did not the world is radical Islamic establish a health care exchange. The legal terrorism.” challenge involved the constitutionality of that executive order. For Justice Antonin Wisconsin governor and Scalia scathing dissent to this bizarre ruling, likely 2016 presidential keep reading: candidate Scott Walker,

SAY WHAT?

“

getting a standing ovation BUT OUR for illustrating the lunacy of Governor calling a less than 1 degree CONSTITUTION MAY NOT... Scott Walker increase in global temps in the past 100 years America’s biggest threat Today’s opinion changes the usual rules while the world burns and a rapidly growing of statutory interpretation for the sake of radical Islamic death cult advances towards the Affordable Care Act.… The somersaults the West. Reality, it seems, always comes in a of statutory interpretation they have distant second to a radical’s absurd ideology. performed… will publish forever the discouraging truth that the Supreme Court of the United States favors some laws over OBAMACARE SURVIVES others, and is prepared to do whatever The phrase an Exchange established it takes to uphold and assist its favorites. by the State … is properly viewed as This Court revised major components ambiguous. The phrase may be limited in its of the statute in order to save them from

“

“ 32

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PC GONE STUPID? MICROAGGRESSIONS...

unconstitutionality.… We should start calling this law SCOTUScare.” Excerpted from Justice Antonin Scalia’s dissent to the Supreme Courts ruling on ObamaCare, citing the extreme damage done to our constitution by way of the court’s decision. As put in a statement by Carrie Severino, chief counsel and policy director to the Judicial Crisis Network, “By upholding the Obama administration’s rewriting Justice of Obamacare, the Court Antonin Scalia today took a hacksaw to Congress’s legislative powers. The Constitution makes clear that only Congress can write the laws, not the President or the Court. It’s a sad day for the Constitution when the clear terms of a statute can be ‘interpreted’ away in the service of an aggressively lawless president.”

NATIONWIDE SETTLES

“

Our Office is pleased to announce that we have been able to come to an agreement with Nationwide on this matter on behalf of the citizens of West Virginia,” Attorney General Morrisey said. “Our agreement will help to ensure that Nationwide customers in West Virginia recoup funds they may not have previously received and brings closure to this issue in the state.” WV Attorney General Patrick Morrisey announcing his Office has reached a $5.7 million settlement in a lawsuit regarding Nationwide Insurance’s offering of a discount on certain insurance products to West Virginia Farm Bureau members.

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“

My favorite [microaggression] is “gender plays no part in who we hire,” a policy feminists have spent decades demanding from American businesses only to dismiss it now as aggressively sexist, a self-delusion promoted by the corporate world to disguise their bias against women. Gender inescapably plays a part in who they hire; the only way to cure the bias is with quotas. That explains why “I believe the most qualified person should get the job,” an antiquota philosophy, is microaggressive. But … if you hired a women and emphasized that you don’t necessarily think the most qualified person should get the job, wouldn’t that be microaggressive? Show of hands, ladies: Who wouldn’t be insulted at being told by your new boss that you were brought on in the name of “social justice,” not because you were the best candidate who applied?” From a recent www.hotair.com column satirizing the latest idiocy rolled out by the Progressive thought police on the rest of us: Microaggressions. Microaggressions are formerly innocent phrases/sayings then when vocalized now are deemed racist, oppressive, misogynistic and offensive. We were just too stupid to realize it until the wack-doodle academic leftists pointed it out. The perpetrators of these microaggressions are always heterosexual male white folks (surprise!) and the victims are everybody else. It seems a regular white male, marinated since birth in “white privilege,” can hardly walk out of the house and say “good morning,” without becoming a microaggressor! Oh the guilt!

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ANESTHESIOLOGIST TRASHES SEDATED PATIENT AND IT ENDS UP COSTING HER $500,000! Want To Find Out What Your Doctor Really Thinks Of You? Leave Your Cell Phone Voice Recorder On While Under Anesthesia!

HERE WATCH A PHONOGRAPH NEEDLE MOVE THRUGH AN LP GROOVE - UNDER AN ELECTRON MICROSCOPE

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ALL RISKS, LTD. ANNOUNCES NEW PROGRAM TAILORED TO FRANCHISED HOTELS

UNT VALLEY, MD – All Risks, Ltd., the nation’s largest independent wholesaler, proudly introduces a new nationwide program for the franchised hotel industry through “A+ XV” A.M. Best rated carriers. As part of All Risks’ National Specialty Programs, the franchised hotel program is available nationwide, with minimum premiums for general liability starting at $1,000 and for property starting at $2,500.

coverage includes buildings, business personal property, business income (actual loss sustained), and equipment breakdown.

Optional coverages include wake-up call liability, employee benefits, additional insureds, hired and non-owned auto liability, and liquor liability. Specialized coverage extensions include guest property, guest relocation or emergency expense, Targeted classes consist of business income extensions limited service franchised for food contamination, loss hotels and motels, which may of reservation systems, special include the following amenities hotel events and tenant lease, or services: restaurants, pools, valuable papers, employee money and fitness centers, complimentary dishonesty, 24/7 food and beverage service, securities (inside and outside), as well as limited service hotels. outdoor property and outdoor signs, sewer back up, spoilage, The new franchised hotel utility failure, key replacement program features: general and lock repair. Other coverage liability, including personal extensions and higher limits are and advertising injury, medical available. payments, and property damage to rented premises. Property “As hotel and motel operations become more multifaceted, retail agents should speak with FREE our specialty insurance experts to discuss the issues that the CLASSIFIEDS! industry is now facing. We are HELP WANTED — POSITION thrilled to introduce an exclusive WANTED 4 — SALE ITEMS program with specialized coverage, customized forms and CLICK HERE! competitive rates,” explained www.underwritersinsider.com

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Chris Kelleher, National Specialty Programs Vice President. Contact Jim Reller for a supplemental application at jreller@allrisks.com or call 1-877965-0123, extension 8203. All Risks, Ltd., based in Hunt Valley, Maryland, is the largest national independent wholesale brokerage firm offering comprehensive insurance solutions with a full service platform of brokerage, contract binding, exclusive national programs and specialty personal lines products for retail insurance agents and brokers nationwide. The 50-year-old firm employs over 700 staff members in offices located in Maryland, Arizona, California, DC, Florida, Georgia, Illinois, Indiana, Louisiana, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, Texas, Virginia and Washington. To learn more, visit www.allrisks. com.

Experts and Consultants for Insurance Disputes 4441 Sepulveda Boulevard Culver City, California 90230 310-390-4455 zalma@zalma.com http://www.zalma.com

Consultation from Zalma Insurance Consultants (ZIC) can save you or your client thousands of dollars in the defense or prosecution of an insurance dispute. ZIC provides expert advice and counsel insurers and plaintiffs’ counsel find indispensable. Consultation from ZIC can save you, your counsel or client hundreds of hours of investigative and legal work. ZALMA INSURANCE CONSULTANTS is a service of Barry Zalma, Inc. a California professional corporation. Barry Zalma is an internationally recognized expert on insurance coverage, insurance claims handling, insurance bad faith, insurance fraud detection, the defeat of false and fraudulent claims, Barry Zalma, Esq. insurance claims handling, and the resolution of insurance disputes. As a consultant, expert witness, lawyer, author, mediator or arbitrator he serves all parties who need consultation or expert testimony on matters relating to insurance coverage, insurance claims handling, insurance fraud and the tort of bad faith. Barry Zalma founded Zalma Insurance Consultants to help resolve any insurance claim problem faced by you or your clients that do not need Mr. Zalma’s services as a lawyer. His experience and skill as a consultant and expert witness can make the difference before a jury or other trier of fact. For more than 44 years as a claims person and insurance coverage attorney, Barry Zalma has represented insurers, advised insurers on claims handling, interpreted coverages and testified as an insurance coverage, insurance bad faith, insurance claims handling and insurance fraud expert on behalf of insurers and policyholders in state and federal courts.

Expert Testimony

Zalma Insurance Consultants serves insurers, policyholders, underwriters, brokers, agents, adjusters, public insurance adjusters, lawyers and any person involved in an insurance dispute. Because he is an attorney licensed to practice law in the state of California M r. Zalma may be prohibited by California case law from acting as a consultant or expert witness and, therefore, refuses to serve in any situation where a past client of his law firm, Barry Zalma, Inc. is adverse to anyone seeking his services.

Y ou can obtain M r. Zalma’s C.V . at http://www.zalma.com and his e-book publications http://www.zalma.com/zalmabooks.htm and blogs daily at Zalma on Insurance, http://zalma.com/blog.

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Then click the “Privacy” link in the left-hand column. Under “Who can see my stuff?” click the “Limit Past Posts” link. Next, click the “Limit Old Posts” button Of course, there’s no way to to change the privacy setting stop Facebook from recording of every post in your profile to your search history. You’ll need “Friends.” to keep coming back to delete your history if you don’t want it Note that if you have posts that recorded, or just stop searching you want everyone to see, this on Facebook. will change those as well. You’ll need to go change those posts At the very bottom, you can also back to “Everyone” manually. see what apps you’ve installed and what posts they’ve made on Next, go to your Facebook page your Timeline. At the top of the and to the upper right, click the log, you can also changing the three dots next to the “View settings on who can see the posts Activity Log” button and select that the apps make. “View as...” This lets you see your Facebook page the way a stranger But that’s not everything you would, or any Facebook user you need to do. select. That way you can quickly spot problem posts and change Limit Past Posts their privacy settings or remove them. Even if you’re OK with your Facebook friends seeing some “View as...” is especially handy if embarrassing posts, you you’ve set up custom lists. Lists let might have posted something you choose specific friends who in the distant past that you can see certain posts. Learn how wouldn’t want strangers to see. to make lists and control exactly Unfortunately, your privacy who sees what. settings back then might not have been set correctly. Make While you’re tweaking old sure your privacy settings are set Facebook settings, take some correctly now before you keep time to review information reading. you’ve added to your account in the past. Facebook asks for a Changing every past post lot of details about your life, like manually from “Everyone” to home address, that you probably “Friends” could take days. shouldn’t give it. Find out what Fortunately, Facebook has a these details are and how to quicker option. At the top of remove them if you have them in the page, click the upside-down your account. triangle and select Settings. Continued From Page 9

KIM KOMANDO

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Copyright 2015, WestStar Multimedia Entertainment. All rights reserved. On the Kim Komando Show, the nation’s largest weekend radio talk show, Kim takes calls and dispenses advice on today’s digital lifestyle, from smartphones and tablets to online privacy and data hacks. For her daily tips, free newsletters and more, visit her website at Komando. com. Kim also posts breaking tech news 24/7 at News.Komando.com.

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THREE MIAMI RESIDENTS ARRESTED FOR P.I.P. FRAUD TOTALING MORE THAN $99,000 IN FINANCIAL LOSSES

IAMI, Fla.The Florida Department of Financial Services’ Division of Insurance Fraud today announced the arrests of Miami residents Mariela Quintana, 46, Noel Vazquez Lazo, 44, and Rodney Fabian, 27, for their involvement in separate fraudulent personal injury protection or PIP insurance schemes. These three individuals are held accountable for nearly $100,000 in financial losses after their plans to execute multiple PIP schemes were disrupted by a Division of Insurance Fraud investigation. Mariela Quintana was a licensed massage therapist at D & J Rehabilitation Center in Miami and was charged for fraudulently billing nearly $10,000 in claims after she allegedly signed off on treatment forms for procedures she never performed. This is the second time in less than six months that she has been arrested for similar activity at the same clinic. This time she’s been charged with Insurance Fraud, Grand Theft, and Organized Scheme to Defraud. Noel Vazquez Lazo directed a

CALIFORNIA AGENT GUILTY OF GRAND THEFT

staged accident that resulted in fraudulent claims in excess of $89,000. Lazo paid for the policy of the at-fault vehicle used in the accident and paid the participants in these schemes to seek treatment for fake injuries. As a result of his actions Lazo faces charges which include Organizing a Staged Accident, Insurance Fraud, and Grand Theft.

Rodney Fabian has been charged with Solicitation, Patient Brokering, Insurance Fraud, and Grand Theft for his role in soliciting the victim of a hit and run accident and offering to pay them for visiting a specific clinic for treatment. Fabian paid the victim $1,000 as part of their agreement, but, because the insurance company suspected fraud, the claims were not processed and Fabian tried to demand the money back.

Working as a licensed broker at an insurance agency in 2012, Oquendo accepted auto insurance payments from several clients, but used the money for personal expenses instead of sending it to the insurance companies. To conceal the scheme, she issued false insurance documents to her clients, who thought they were covered, only to discover they were not insured.

These three individuals were booked into Miami-Dade County Jail and face jail sentences ranging from 5-30 years. Each of the cases will be prosecuted by the Miami Dade Office of the State Attorney Katherine Fernandez Rundle.

OS ANGELES, Calif. -Yesterday, Yesenia Oquendo, 36, of La Puente, was ordered to three years of formal probation, restitution in the amount of $2,374 and 40 days of community labor. Last month Oquendo was found guilty of grand theft for stealing insurance premium payments.

The Department of Insurance opened an investigation after the insurance agency where she was employed began receiving complaints from consumers. Some policies were cancelled while others received DMV notices threatening to suspend their license for not carrying insurance. The Underwriter’s Insider