2013 PIA National Guide to

Member Benefits

For online access to the PIA National member benefits listed here, please visit www.pianet.com.

Learn more about these PIA National member benefits at www.pianet.com.

They end at competitive rates. We begin there.

As your local Professional Insurance Agents, we provide competi-tive rates and a whole lot more:

> A choice of companies to better fit your unique needs. Where single company agents, 800 numbers, and websites fit a policy to you, we represent a number of quality companies that offer different policies and optional endorsements.

> Personal support and service. Whether you have a question about coverage or need to submit a claim, we’re here for you—over the phone or face-to-face.

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P I A : L o c a l A g e n t s S e r v i n g M a i n S t r e e t A m e r i c a SM

Business-building tools> PIA Branding Program.Writemore

businessanddemonstratethatyou’reaLocal Agent Serving Main Street AmericaSMbyusingourprintandradioads,availableinEnglishandSpanish.Lookfornewmarket-ingtoolsin2013.

> Hartford Flood Insurance.Easyenrollment,dedicatedlocalsalesdirectorsandbooktransfer/rolloverteam,training/CE,freecertifiedzonedeterminations,24/7claimsreportingandgreatcommissions.Notcomfortablewithfloodinsurance?Trythe“FloodSolutions”option,whichusesHartfordCSRs.

> Rough Notes Producer Online.Helpsidentifyriskexposuresandprovidesdetailedcoverageanalysis.Saveupto$1,195inyourfirstyearalonewhencomparedtotheregularlistprice!

> Enhance Insurance by Agoragate.InternetmarketingfirmAgoragate(pronouncedAgra-gate)enablesindependentinsuranceagentstodramat-icallyincreasetheirvisibilityonlinewhenpeopleintheircommunitiessearchtheWebforinsurance.

> Agency Revenue Tools.Boostpersonallinessalesbyengaginginemployeeworksitemarketingusingyourappointedmarketsatregularcommissionrates.

> Agency websites from Emerald.Cutting-edgewebsitetechnologytailoredspecificallyforinsuranceagents.Nowit’seasytohaveagoodlooking,user-friendlyagencyweb-site.

> Using the PIA logo.PutthePIAlogoonyourbusinesscard,website,stationeryandsignage.OrderitemswiththePIAlogoinouronlinestore.

> Data Protective Services.Remotelymonitorandauditdataonagencycomputers.Monitorlocationoflaptopsandlockthemdownifnecessary.

> Consumer brochures.Answeryourcustomers’questionsaboutinsurancewithPIA’sattractivebrochures.

Insurance products> PIAPRO E&O.ThePIAProfessionalLiability

InsuranceCompanyisaRiskRetentionGroup(RRG)formedtooffererrorsandomissionscoverageexclusivelytoPIAmembers.ToseeifPIAPROisavailableinyourstate,pleasegotowww.pia-pro.comorcontactyourlocalPIAstateassociation’sE&Oproducer.

> E&O insurance. Professionalliability,errorsandomissionsinsurance.Withaccesstomultiplemarketswithdifferingappetites,includingadmittedandnon-admittedmarkets,chancesarewecanfindthecoverageandpricethat’srightforyou,evenifyouhaveamoreunusualrisk.Visitwww.pianet.com/eando.

> PIA agents umbrella program.Excessinsur-anceprotectionincludesE&Oandbusinessliabilitycoverage,withavailableendorse-mentsforEPLandpersonalcoverage.Cover-agenotavailableinallstates.

> Individual and group insurance products.Basic,voluntary,anddependenttermlife;long/shorttermdisability;AD&D;businessoverheadexpense;andhospitalincomepro-tectionforyou,youremployees,andfamilies.

Cutting-edge communications> PIA Connection print newsletter.

Award-winningpublicationpackedwithnewsandanalysisofnationalissues,publishedtentimesperyear.

> PIA National’s website, www.pianet.com.Newwebsitelaunchedin2012.

> PIA National Agency Marketing Guide. Hands-onmarketingtipsfromindustryexperts.Publishedannuallyeachsummer.

IL C 001 11 11

© Insurance Services Office, Inc., 2011

Page 3 of 3

Professional Liability

Insurer Name:

Description Of Coverage:

Policy Number:

Type Of Coverage: Occurrence Claims-made Retroactive Date (if claims-made):

Policy Effective Date:

Policy Expiration Date:

Limits Of Insurance

$

Each Occurrence

$

Aggregate

Description Of Operations/Locations/Vehicles/Endorsements/Special Provisions

Additional Insured Status

General Liability

Automobile Liability

Umbrella Liability

Excess Liability

Professional Liability

THIS CERTIFICATE DOES NOT GRANT ANY COVERAGE OR RIGHTS TO THE CERTIFICATE HOLDER.

IF THIS CERTIFICATE INDICATES THAT THE CERTIFICATE HOLDER IS AN ADDITIONAL INSURED, THE

POLICY(IES) MUST EITHER BE ENDORSED OR CONTAIN SPECIFIC LANGUAGE PROVIDING THE

CERTIFICATE HOLDER WITH ADDITIONAL INSURED STATUS. THE CERTIFICATE HOLDER IS AN

ADDITIONAL INSURED ONLY TO THE EXTENT INDICATED IN SUCH POLICY LANGUAGE OR

ENDORSEMENT.

Certificate Holder:

Date:

Authorized Representative:

PIA Supports Increase in Borrowing Authority for NFIP page 5

PIA Scores Win with Certificates Model page 3

SPECIMEN

DATE (MM/DD/YYYY)

EVIDENCE OF COMMERCIAL PROPERTY INSURANCE

LOAN NUMBER

POLICY NUMBER

POLICY TYPE

NAIC NO:

COMPANY NAME AND ADDRESS

IF MULTIPLE COMPANIES, COMPLETE SEPARATE FORM FOR EACH

CONTINUED UNTILTERMINATED IF CHECKED

THIS REPLACES PRIOR EVIDENCE DATED:

EFFECTIVE DATEEXPIRATION DATE

CONTACT PERSON AND ADDRESS

PRODUCER NAME,

(A/C, No):FAX

PHONE(A/C, No, Ext):

ADDRESS:E-MAIL

SUB CODE:

CUSTOMER ID #:

AGENCY

CODE:

NAMED INSURED AND ADDRESS

ADDITIONAL NAMED INSURED(S)

THIS EVIDENCE OF COMMERCIAL PROPERTY INSURANCE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS

UPON THE ADDITIONAL INTEREST NAMED BELOW. THIS EVIDENCE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER

THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS EVIDENCE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN

THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE ADDITIONAL INTEREST.

BUSINESS PERSONAL PROPERTY

BUILDING OR

PROPERTY INFORMATION (Use REMARKS on page 2, if more space is required)THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING

ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS EVIDENCE OF PROPERTY INSURANCE MAY

BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS

OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

LOCATION / DESCRIPTION

LENDERS LOSS PAYABLE

MORTGAGEECONTRACT OF SALE

LENDER SERVICING AGENT NAME AND ADDRESS

NAME AND ADDRESS

ADDITIONAL INTEREST

AUTHORIZED REPRESENTATIVE

If YES, LIMIT:

Actual Loss Sustained; # of months:

If YES, LIMIT:

BUSINESS INCOME

If YES, indicate value(s) reported on property identified above: $

DED:

DED:

DED:

DED:

DED:

- Coverage for loss to undamaged portion of bldg - Incr. Cost of Construction

- Demolition Costs

SPECIAL

BROADBASIC

PERILS INSURED

DED:

COMMERCIAL PROPERTY COVERAGE AMOUNT OF INSURANCE:

DED:

%If YES,

PERMISSION TO WAIVE SUBROGATION IN FAVOR OF MORTGAGE

HOLDER PRIOR TO LOSS

FLOOD (If Applicable)

COVERAGE INFORMATION

NOYES

BLANKET COVERAGETERRORISM COVERAGE

Attach Disclosure Notice / DEC

IS THERE A TERRORISM-SPECIFIC EXCLUSION?

IS DOMESTIC TERRORISM EXCLUDED?

DED:

REPLACEMENT COSTAGREED VALUECOINSURANCEEQUIPMENT BREAKDOWN (If Applicable)ORDINANCE OR LAW

WIND / HAIL (If Subject to Different Provisions)

EARTH MOVEMENT (If Applicable)

$

LIMITED FUNGUS COVERAGEFUNGUS EXCLUSION (If "YES", specify organization's form used)

N/A

RENTAL VALUE

If YES, LIMIT:

If YES, LIMIT:If YES, LIMIT:If YES, LIMIT:If YES, LIMIT:If YES, LIMIT:

If YES, LIMIT:

DED:

© 2003-2011 ACORD CORPORATION. All rights reserved.

ACORD 28 (2011/11)The ACORD name and logo are registered marks of ACORD

Page 1 of 2

CANCELLATIONSHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE

DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.

Page 2 of 3 © Insurance Services Office, Inc., 2011 IL C 001 11 11

Umbrella Liability

Insurer Name:

Policy Number:

Type Of Coverage: Occurrence Claims-made Retroactive Date (if claims-made):

Policy Effective Date: Policy Expiration Date:

Deductible: $ Self-insured Retention: $

Limits Of Insurance

$Each Occurrence

$Personal And Advertising Injury

$General Aggregate (other than a covered auto)

Excess Liability

Insurer Name:

Policy Number:

Self-insurance:

Type Of Coverage: Occurrence Claims-made Retroactive Date (if claims-made):

Policy Effective Date: Policy Expiration Date:

Limits Of Insurance

$Each Occurrence

$Aggregate

Workers' Compensation And Employer's Liability

Insurer Name:

Policy Number:

Proprietors/Partners/Executive Officers Are: Included Excluded

Policy Effective Date: Policy Expiration Date:

Limits Of Insurance

Workers' Compensation: StatutoryOther:

Employer's Liability: $ Employer's Liability – Disease Policy Limit

$ Employer's Liability – Disease (Each Employee) Limit

$ Employer's Liability – Each Accident Limit

IL C 001 11 11

IL C 001 11 11 © Insurance Services Office, Inc., 2011

Page 1 of 3

CERTIFICATE OF COMMERCIAL LIABILITY INSURANCE

This certificate is issued for informational purposes only. It certifies that the policies listed in this

document have been issued to the Named Insured. It does not grant any rights to any party nor can it be

used, in any way, to modify coverage provided by such policies. Alteration of this certificate does not

change the terms, exclusions or conditions of such policies. Coverage is subject to the provisions of the

policies, including any exclusions or conditions, regardless of the provisions of any other contract, such

as between the certificate holder and the Named Insured. The limits shown below are the limits provided

at the policy inception. Subsequent paid claims may reduce these limits.

Producer: Named Insured:

General Liability

Insurer Name:

Policy Number:

Type Of Coverage: Occurrence Claims-made Retroactive Date (if claims-made):

Policy Effective Date: Policy Expiration Date:

Limits Of Insurance

$Each Occurrence

$ Damage To Premises Rented To You (any one premises)

$Medical Expense (any one person)

$Personal And Advertising Injury

$General Aggregate

$Products/Completed Aggregate

General Aggregate Limit Applies Per: Policy Project Location

Automobile Liability

Insurer Name:

Policy Number:

1 – Any Auto 2 – Owned Autos Only 3 – Owned Priv. Pass. Autos Only

4 – Owned Autos Other Than 5 – Owned Autos Subject To 6 – Owned Autos Subject To A

Priv. Pass. Autos Only No-faultCompulsory UM Law

7 – Specifically Described Autos 8 – Hired Autos Only 9 – Non-owned Autos Only

Policy Effective Date: Policy Expiration Date:

Limits Of Insurance

$Combined Single Limit (each accident)

$BI Per Person $ BI Per Accident $ PD Per Accident

December 2012 National Association of

Professional Insurance Agents

A product of the PIA Branding Program

Brought to you by these sponsors:

SPECIAL REPORT: Selling Personal

Lines In Your Agency

2012PIA National

Agency Marketing Guide

For online access to the PIA National member benefits listed here, please visit www.pianet.com.

Learn more about these PIA National member benefits at www.pianet.com.

ThePIAPartnership—ajointeffortofleadinginsurancecarriersandPIA—developshands-ontoolsforPIAmemberagenciessuchas:

> Closing the Gap — Growth & Profit.ThePIAPartner-ship’snewesttoolprovidesPIAmemberswithcalculatorssotheycanprojectandplanfornewbusinessgrowthandprofitability.Create“what-if”scenariostoseehowadjustingfactorssuchasretention,salesgoalsandaccount-roundingcanaffectbottom-lineresults.

> Agency Touch Points — The Voice of The Customer.LearnhowtocapitalizeonPartnershipresearchtogivepersonallinescus-tomerswhattheyreallywant,insteadofrelyingoncommonlyheldmisconceptions.

> Reaching Gen Y.ThisonlinetoolhelpsagentsunderstandandreachGenYagegroupinsuranceconsumersandconvertthemintoloyalagencycustomers.

> Perpetuation Central. Thishands-on,interactivetoolguidesagenciesthroughthedecision-making,planningandimple-mentationstepsofagencyperpetuationorownershiptransfer.

> Practical Guide to Successful Planning.Thisvaluableresourcehelpsagentsplanforsuccesswithintheirownagenciesandcoordinatetheirplanswiththoseofthecarrierstheyrepresent.

Agency management tools> Agency Agreement Review Service. Freetomembersandcar-

riers,PIArecommendschangestocarriersandhighlightscon-cernsformemberssotheycanmakeinformeddecisionsabouttheagreementstheysign.

> Agency Preparedness and Recovery Plan. ThePIAguidetocreatinganagency-specificbusinesscontingencyplan.Updatedin2012.

> Online data backup and recovery services.

> Discounted producer licensing services. AvailablefromSirconandCentralLicensingBureau.

> Employee profiling.HiretherightpeoplewithskillsandpersonalitytestingfromOMNIA.

> PIA credit cards from Bank of America.

> Discounts on shipping with UPS, calendar products from Mines Press, and car rentals from Alamo.

> Free subscriptions to industry publications.

Tools from The PIA Partnership

P I A : L o c a l A g e n t s S e r v i n g M a i n S t r e e t A m e r i c a SM

Industry & business affairsPIANationalworkswithindustrygroupssuchastheAssociationforCooperativeOperationsResearchandDevelopment(ACORD)andtheInsuranceServicesOffice(ISO)toimproveprocessesandaddresschal-lengesfacingtheinsuranceindustry.Indoingso,PIAworkstoensurethatchangesareinthebestinterestofagents.

PIAalsoprovidesourmemberswithpracticalguidancetohelpthemkeeptheiragencypracticesincompliancewithinsuranceandgeneralbusinessregulationsandmorealignedtothewayotheragenciesdobusiness.GuidanceisalsoprovidedtoassistPIAmemberswithprotectingtheirownershipandcontrolofagencyexpi-rations.

Carrier relationsBecausegoodrelationshipswiththecarriersyourep-resentarevitaltoyoursuccess,PIANationalkeepsanopenlineofcommunicationwithinsurancecompa-nies—andusesitonyourbehalf.PIAmemberscanconstructivelyvoicetheirconcerns,socarriersunder-standhowtheirdecisionsaffecttheiragencypartners.

OurAgency Agreement Review Service,availabletobothPIAmembersandcarriers,providesanopportunityforPIAtoadvocateforagentswhencarriersconsiderchangestotheiragreements.Staffhighlightsconcernsformemberstoconsidersotheycanmakeinformeddecisionsabouttheagencyagreementsthatgoverntheirbusinessrelationships.

ThroughourongoingactivitieswithThe PIA Partner-ship,PIAagentandinsurancecompanyleadersworktogethertoidentifyareasofopportunityforPIAmem-beragencies.ThePIAPartnershipthendevelopshands-ontoolsspecificallydesignedforusebyagentstohelpthemachievemaximumsuccess.RecentPIAmemberbenefitsfromThePIAPartnershipincludeClosingtheGap—Growth&Profit,AgencyTouchPoints—TheVoiceofTheCustomer,ReachingGenY,thePracticalGuidetoSuccessfulPlanningandPerpetuationCentral.Theseprogramsaredescribedatleft.

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Moreinformation

FormoreinformationaboutthePIANationalmemberbenefitsdescribedinthisbrochure,pleasevisitwww.pianet.com.

ContactUs

Haveaquestion?Notsurehowtoaccessaparticularprogram?Wanttoventaboutsomething?That’swhatyourstaffatPIAisfor.Pleasefeelfreetogiveusacallorsendusanemail.

TofindspecificPIANationalstaffmemberswhocanassistyou,visitouronlineContactUswebpage:www.pianet.com/contactus.

Orcallusat(703)836-9340oremailmembership@pianet.organdwe’llputyouintouchwiththeproperperson.

P I A : L o c a l A g e n t s S e r v i n g M a i n S t r e e t A m e r i c a SM

NationalAssociationofProfessionalInsuranceAgents400N.WashingtonSt.Alexandria,VA22314-2353(703)836-9340membership@pianet.orgwww.pianet.com

Legislative & regulatory outreach

> Grassroots alerts.Toensurelegislatorsfeeltheheatfromtheirconstituents,PIAoccasionallyorganizesgrassrootscampaignsinwhichPIAmemberscaneasilysendpre-written,fully-editablelettersdirectlytotheirelectedofficials.Sendonenowbyvisitingwww.piagrassroots.com.

> PIA Federal Legislative Summit.TheannualspringPIAFederalLegislativeSummit(FLS)isagatheringofPIAmemberswhocometogetherinthenation’scapitaltomeetwiththeirelectedrepresentatives.Itisanopportunitytomeet/reacquaintyourselfwithyourMembersofCongressandtodiscussissuesthatareofimportancetoindependentinsuranceagents.Learnmorebyvisit-ingwww.piafls.com.

> District Lobbying Day…Capitol Hill in Your Backyard.EachAugust,whileCongressisinrecessandourelectedofficialsarebackhomeintheirdistrictoffices,PIAmembershaveaspecialopportunitytopositivelyimpactthepoliticsthatshapetheirlives.TheydothisbymeetingwiththeirelectedofficialsandpromotingthepointsofviewofProfessionalInsuranceAgents.Allyourresourcesforthesemeetingscanbefoundonwww.piadld.com.

Whetherwelikeitornot,federalpoliticsgreatlyaffectsourindustry.That’swhyPIANationalrepresentsmembers’

interestsonCapitolHillinWashington,D.C.Ourlobbyistsensurethatlawmakersunderstandinsuranceagents’

positionsandhowlegislationwillaffectvotersbackhome.

PIANationalworkscloselywithregulatoryandlegislativeentitiesacrossthecountry,includingtheNational

AssociationofInsuranceCommissioners(NAIC),theNationalCouncilofInsuranceLegislators(NCOIL),andthe

NationalConferenceofStateLegislatures(NCSL),toensurethattheconcernsofindependentagentsareaddressed.

PIAholdsaseatontheboardoftheNationalInsuranceProducerRegistry(NIPR).PIAisafixtureincountlessworking

groupsaimedatmodernizingandimprovinginsuranceregulation,healthcarereform,producerlicensing,flood

insurance,cropinsurance,andnaturaldisasterplanning.PIAfightstoprotectagents’interestsandensuretheyhavea

seatatthetable.

Herearesomewaysyoucangetinvolved:

> PIA Political Action Committee (PIAPAC).PIAPACistheProfessionalInsuranceAgentsPoliticalActionCommit-tee.ThePACcontributestothecampaignsofcandidatestofederalofficewhoshareourpro-insurance,pro-busi-nessperspectiveandwhosupportourissues.PIAPACisfundedbythecontributionsofindividualPIAmembers.Tolearnmorevisitwww.piapac.com.

PIA Insurance FoundationTheProfessionalInsuranceAgentsInsuranceFoundation(c-3)strivestofurthertheinsuranceknowledgeandeduca-tionofthoseengagedintheindependentinsuranceagencysystem.Itsmostrecentworkproduct,entitledFuture of the Business Disciplines, Regulation and Oversight of the U.S. Insurance Marketplace,isawhitepaperintendedtoassessthecurrentstatusofinsuranceregulationandevaluatetherangeofpotentialreformsbeingdiscussedinCongressandthroughouttheinsuranceindustry.