I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y

SUFFOLK Big Eye2 0 1 2 J U L A U G I S S U E

the

INSIDE

Presidents Message

Ice Cubes to the Rescue

Being Prepared

CE Classes on Long Island

STORM WARNING - ARE YOU PREPARED

2

President

David M Borg

nnn

To all our Members and Non-Members alike

Summer 2012 is and has certainly been a hot

one and the temperature outsides is not the only topic of discussion

13 Our industry has been bubbling over with activity Carriers want premium increases Clients want price relief in light of their economic situations

And we as the middle men are truly in the middlehellip so we ask ourselves what type of agency are we

13 Are we in ldquoretentionrdquo mode-trying to maintain our book of business in a market where premiums are increasing and insurer will underwrite a class of

business or territory one year and withdraw the next Or are we in a growth mode-looking for new

opportunities and more effective ways to do business and provide service to our clientscustomers Simply - When times are tough the tough get going or

should I say better get going or else

An article I saved from a few years back has

many sales and marketing ideas 101 to be exact

Presidentrsquos Messagethe

3

2

President

David M Borg

nnn

To all our Members and Non-Members alike

Summer 2012 is and has certainly been a hot

one and the temperature outsides is not the only topic of discussion

13 Our industry has been bubbling over with activity Carriers want premium increases Clients want price relief in light of their economic situations

And we as the middle men are truly in the middlehellip so we ask ourselves what type of agency are we

13 Are we in ldquoretentionrdquo mode-trying to maintain our book of business in a market where premiums are increasing and insurer will underwrite a class of

business or territory one year and withdraw the next Or are we in a growth mode-looking for new

opportunities and more effective ways to do business and provide service to our clientscustomers Simply - When times are tough the tough get going or

should I say better get going or else

An article I saved from a few years back has

many sales and marketing ideas 101 to be exact

Presidentrsquos Messagethe

3

3

4

13 The article entitled ldquoSpecial Report 101 Sales amp Marketing Ideasrdquo which appeared in the Insurance Journal-National Region August 16 2010 continues

to be relevant For example idea 22 ndash suggests that knowing your clientrsquos andor prospectrsquos ldquovaluesrdquo is a way of being successful with them or 31 ndash suggests that

you be a resource for information for your clients In other words are you providing your client with ldquoValue Addedrdquo services

13 You might consider reviewing all of these ideas ndash adopting the ones that suit

your business plan best

IIABSC looks to support your efforts by providing - Value Added services

Much is done on a local and state level to benefit you We look forward to seeing all of our members at our September 19 meeting

Bring a guest and let them discover for themselves how they too will benefit

See you there

Dave Borg

President

Presidentrsquos Message contrsquodthe

Giving Business to the National Payroll Companies Giving Business to the National Payroll Companies That Compete With YouThat Compete With You

IIABNYrsquos endorsed Payroll Provider

Ovation Payroll WILL NOT compete against you

Ovation WILL Protect Your Book of Business

Contact Cheryle Levine at 5163842467 clevineovationpayrollcom ovationpayrollcom

5

IIABSC MEETING NOTICEWednesday September 19 2012

STORM WARNINGldquoDisaster Planningrdquo - Are You Prepared

Topics Include Coordinating Your Staff - Maintaining Systems and Phones -

Responding to Clients - HO vs FloodThis is a round table discussion and everyone is invited to participate Please bring your stories from tropical storm Irene and other past storms Tell us how you ran your agency and what you

learned from your experiences

PLACE Hilton Garden Inn TIME 830 am lsquoCheck Inrsquo amp Coffee 2038 Old Country Rd Riverhead 845 am Breakfast Buffet Opens (LIE Exit 73) 900 am Start of Program

COST $1600 per person for IIAB Suffolk and NextGen members $2200 per person for all other guests All are welcome Pre-registration required - An additional $500 per person will be added for walkins

REGISTER ON-LINE AT wwwsuffolkagentscom Use a credit card or mail a check before September 14th

Program questions Contact Joanne Bentivegna 631-706-0161 - joannebentivegnapeoplescomRegistration questions Contact Jeanne Abatelli 516-681-6265 ndash injeanious1verizonnet

OR MAIL YOUR REGISTRATION (use separate sheet if needed)

Name _________________________________________________________Tel ________________________________

AgencyCo_______________________________________________E-Mail ___________________________________

Enclosed is my check in the amount of $____________ payable to IIABSC

MAIL TO Jeanne Abatelli 150 Dartmouth Drive Hickville NY 11801

6

by Don J Hester

13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors

Can we prevent this disaster NO

Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains

Have you told your customers that deductible buy back coverage policies are available

13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your

Editorrsquos Feedbackthe

Editor

Don Hester

nnn

7

neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability

Send it certified The post office needs the income and a penny spent now may save you 5

Editorrsquos Feedback conrsquotthe

8

13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or

party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will

never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen

Keep in mind that preparing for hurricanes can be the difference

between minor damage and catastrophic loss What are some of the items to prepare or plan for

The following information from Chartis is intended to guide you in your preparation

bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt

response

bullVerify that you have storm shutters to protect all openings including

doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at

least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase

resistance against strong winds Replace sliding-glass doors with impact-

Being PreparedLaura SennCIC

9

resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds

bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris

bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed

bullCheck caulking around windowsdoors to ensure no deterioration has

occurred

bullPrune weak branchestrees and remove limbs that overhang or are too

close to the structure

bullVerify that rafterstrusses are adequately connected to the walls and foundations

bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if

water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation

bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely

Being Prepared conrsquot

10

bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a

hurricane

When a hurricane is forecast to hit your area follow the following checklist

bullInstall storm shutters and secure your garage door

bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case

water pools on the floor around the windows

bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower

portion of the drapes in plastic

bullRoll up area rugs and move them to the center of your home and elevate

them if possible

bullPlace towels at the base of terrace doors

bullRemove all patio furniture from your yard or terrace and store it in your

garage or house Remove potted plants lawn ornaments and sculptures and store them indoors

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

6

by Don J Hester

13 This monthrsquos newsletter is to focus on disaster preparedness One of the biggest disasters is coming one of these years Itrsquos called a hurricane It will be a disaster because letrsquos face it none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane ndash now that is a disaster We all tell ourselves and our customers that the policies we provide include wind damage but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors

Can we prevent this disaster NO

Can we mitigate it Yes tree pruning replace older roofs with newer ones etc but the exposure remains

Have you told your customers that deductible buy back coverage policies are available

13 How can you avoid an Act of God Another way is to transfer the risk How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible Nowrsquos the time to send your letter of concern to your

Editorrsquos Feedbackthe

Editor

Don Hester

nnn

7

neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability

Send it certified The post office needs the income and a penny spent now may save you 5

Editorrsquos Feedback conrsquotthe

8

13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or

party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will

never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen

Keep in mind that preparing for hurricanes can be the difference

between minor damage and catastrophic loss What are some of the items to prepare or plan for

The following information from Chartis is intended to guide you in your preparation

bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt

response

bullVerify that you have storm shutters to protect all openings including

doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at

least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase

resistance against strong winds Replace sliding-glass doors with impact-

Being PreparedLaura SennCIC

9

resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds

bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris

bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed

bullCheck caulking around windowsdoors to ensure no deterioration has

occurred

bullPrune weak branchestrees and remove limbs that overhang or are too

close to the structure

bullVerify that rafterstrusses are adequately connected to the walls and foundations

bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if

water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation

bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely

Being Prepared conrsquot

10

bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a

hurricane

When a hurricane is forecast to hit your area follow the following checklist

bullInstall storm shutters and secure your garage door

bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case

water pools on the floor around the windows

bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower

portion of the drapes in plastic

bullRoll up area rugs and move them to the center of your home and elevate

them if possible

bullPlace towels at the base of terrace doors

bullRemove all patio furniture from your yard or terrace and store it in your

garage or house Remove potted plants lawn ornaments and sculptures and store them indoors

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

7

neighbor If they donrsquot act and their tree gets you you may be able to transfer the loss to their liability

Send it certified The post office needs the income and a penny spent now may save you 5

Editorrsquos Feedback conrsquotthe

8

13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or

party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will

never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen

Keep in mind that preparing for hurricanes can be the difference

between minor damage and catastrophic loss What are some of the items to prepare or plan for

The following information from Chartis is intended to guide you in your preparation

bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt

response

bullVerify that you have storm shutters to protect all openings including

doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at

least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase

resistance against strong winds Replace sliding-glass doors with impact-

Being PreparedLaura SennCIC

9

resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds

bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris

bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed

bullCheck caulking around windowsdoors to ensure no deterioration has

occurred

bullPrune weak branchestrees and remove limbs that overhang or are too

close to the structure

bullVerify that rafterstrusses are adequately connected to the walls and foundations

bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if

water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation

bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely

Being Prepared conrsquot

10

bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a

hurricane

When a hurricane is forecast to hit your area follow the following checklist

bullInstall storm shutters and secure your garage door

bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case

water pools on the floor around the windows

bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower

portion of the drapes in plastic

bullRoll up area rugs and move them to the center of your home and elevate

them if possible

bullPlace towels at the base of terrace doors

bullRemove all patio furniture from your yard or terrace and store it in your

garage or house Remove potted plants lawn ornaments and sculptures and store them indoors

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

8

13 Our lives are spent on preparing and planning for some event It could be as minor as preparing to make dinner to as major as planning a wedding or

party We make a list we buy the ingredients and we prepare Why is it that we donrsquot think of preparing for a hurricane or storm Do we think it will

never happen to us Irsquom sure the residents of New Orleans thought the same thing but it did happen

Keep in mind that preparing for hurricanes can be the difference

between minor damage and catastrophic loss What are some of the items to prepare or plan for

The following information from Chartis is intended to guide you in your preparation

bullMaintain a relationship with your roofercontractor Experience shows that these professionals are in high demand immediately after a hurricane Having an existing relationship can help facilitate a prompt

response

bullVerify that you have storm shutters to protect all openings including

doors windows and skylights French sliding-glass and garage doors are particularly vulnerable to high winds due to their large size Special attention should be given to protect them French doors should have at

least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together Ideally doors should open ldquooutrdquo to increase

resistance against strong winds Replace sliding-glass doors with impact-

Being PreparedLaura SennCIC

9

resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds

bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris

bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed

bullCheck caulking around windowsdoors to ensure no deterioration has

occurred

bullPrune weak branchestrees and remove limbs that overhang or are too

close to the structure

bullVerify that rafterstrusses are adequately connected to the walls and foundations

bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if

water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation

bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely

Being Prepared conrsquot

10

bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a

hurricane

When a hurricane is forecast to hit your area follow the following checklist

bullInstall storm shutters and secure your garage door

bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case

water pools on the floor around the windows

bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower

portion of the drapes in plastic

bullRoll up area rugs and move them to the center of your home and elevate

them if possible

bullPlace towels at the base of terrace doors

bullRemove all patio furniture from your yard or terrace and store it in your

garage or house Remove potted plants lawn ornaments and sculptures and store them indoors

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

9

resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds

bullReplace standard windows with impact resistant window systems Standard glass can be penetrated easily by flying debris

bullHave storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed

bullCheck caulking around windowsdoors to ensure no deterioration has

occurred

bullPrune weak branchestrees and remove limbs that overhang or are too

close to the structure

bullVerify that rafterstrusses are adequately connected to the walls and foundations

bullInstall a back-up electrical generator of adequate size to power the air conditioning system appliances and electronics (eg Alarm system) if

water enters the home air conditioning can expedite the drying process and help prevent additional damage Have the generator maintained annually and tested under load to ensure proper operation

bullMake sure drains on terraces and balconies are not clogged and allow water to flow freely

Being Prepared conrsquot

10

bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a

hurricane

When a hurricane is forecast to hit your area follow the following checklist

bullInstall storm shutters and secure your garage door

bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case

water pools on the floor around the windows

bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower

portion of the drapes in plastic

bullRoll up area rugs and move them to the center of your home and elevate

them if possible

bullPlace towels at the base of terrace doors

bullRemove all patio furniture from your yard or terrace and store it in your

garage or house Remove potted plants lawn ornaments and sculptures and store them indoors

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

10

bullDiscuss you insurance coverage with your agentbroker and know what your hurricane deductible is and what your policy covers during a

hurricane

When a hurricane is forecast to hit your area follow the following checklist

bullInstall storm shutters and secure your garage door

bullMove personal possessions to the center of your home away from windows and doors Elevate your belongings as much as possible in case

water pools on the floor around the windows

bullRemove window treatments from windows and French doors In the event draperies cannot be removed elevate or secureencase the lower

portion of the drapes in plastic

bullRoll up area rugs and move them to the center of your home and elevate

them if possible

bullPlace towels at the base of terrace doors

bullRemove all patio furniture from your yard or terrace and store it in your

garage or house Remove potted plants lawn ornaments and sculptures and store them indoors

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

11

bullFill the fuel supply for your back-up electrical

generator and test the generator under load to

ensure itrsquos functioning properly

bullPlace important

documents eg insurance policies bank account

and credit card information contact numbers etc in a plastic

container to ensure their availability after the

storm passes

Remember Planning and

Preparing can make the difference between minor

damage and a

catastrophe

Being Prepared conrsquot

12

by Don J Hester Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances

13 Living on Fire Island I have often been evacuated for severe storms Over there we expect power losses Here on the ldquomainlandrdquo they are also not uncommon in a disaster What to do about your freezer and refrigerated foods Eat up before you evacuate Abandon them to Mother Nature

13 If you are evacuated your return may be restricted by BIG BROTHER Unfortunately this also happens on the mainland Let me give you a scenariohellip You are evacuated and leave the house Your refrigerator is full of good stuff as is your freezer If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage] the subsequent loss to the food is probably covered subject to a few thousand dollar deductible If the power is out all over - good luckbut I digress

13 You return the power was restored to your region before they would let you back into your

Ice Cubes To The Rescue

Editor

Don Hester

nnn

13

home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat

13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables

13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice

WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage

13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information

14

Coming SoonA lsquoMust Attendrsquo

Legislative ForumTuesday October 30 2012

Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL

Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI

Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013

Bring your staff and your questionshelliphellip

The Place Chateau Briand 440 Old Country Road Carle Place

Get directions on wwwchateaubriandcatererscom or call 516-334-6125

Time 400 pm

Full details to follow shortly

15

FEMA Hurricane Informationhttpwwwreadygovhurricanes

Suffolk County Hurricane Preparedness Home Page

httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng

Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml

LIPA Storm Center

httpwwwlipowerorgstormcenterhurricanehtml

Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island

Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom

Long Island Hurricane Guide

httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm

Boating Times Hurricane Guide

httpboatingtimeslicomNYp=11417

Hurricane Links

When

re

and

water

damage

put

the

things

that

matter

most

on

the

line

you

need

the

best

help

on

the

line

as

well

tseisae

eht

gniwonk

yhw

srsquotahT

ways

to

contact

SERVPRO reg

is

so

important

Just

go

to wwwServproPortJeersoncom or call

1-866-928-7668

Independently Owned and Operated

WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration

Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up

of Port JeffersonStony BrookHicksvillePlainview

13

home You are relieved upon opening the freezer to see everything is still hard frozen What you didnrsquot know was it totally thawed sat at room [rotting] temperature until the current was restored Your faithful icebox then refroze the meat which is now treacherously dangerous to eat

13 ICE CUBES TO THE RESCUE The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray Upon returning days [weeks]later he noted where the penny was Still on top All is well At the bottom of the tray under the ice Throw it out along with the rest of the perishables

13 But this article is about disaster planning How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice What do you do with them when they are empty I save them I must have ten or fifteen of them When the storm warnings go up they get washed and filled with fresh water Thatrsquos not all They then go into the freezer until solid then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice

WHY They hold the cold much better than air They are also a source of water if the public water is bad and needs boiling after the storm Simple ice cubes may save the food from spoilage

13 So all you green people save a penny and save some jugs for a rainy [and windy] day And letrsquos hope that you never need to use this information

14

Coming SoonA lsquoMust Attendrsquo

Legislative ForumTuesday October 30 2012

Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL

Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI

Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013

Bring your staff and your questionshelliphellip

The Place Chateau Briand 440 Old Country Road Carle Place

Get directions on wwwchateaubriandcatererscom or call 516-334-6125

Time 400 pm

Full details to follow shortly

15

FEMA Hurricane Informationhttpwwwreadygovhurricanes

Suffolk County Hurricane Preparedness Home Page

httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng

Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml

LIPA Storm Center

httpwwwlipowerorgstormcenterhurricanehtml

Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island

Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom

Long Island Hurricane Guide

httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm

Boating Times Hurricane Guide

httpboatingtimeslicomNYp=11417

Hurricane Links

When

re

and

water

damage

put

the

things

that

matter

most

on

the

line

you

need

the

best

help

on

the

line

as

well

tseisae

eht

gniwonk

yhw

srsquotahT

ways

to

contact

SERVPRO reg

is

so

important

Just

go

to wwwServproPortJeersoncom or call

1-866-928-7668

Independently Owned and Operated

WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration

Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up

of Port JeffersonStony BrookHicksvillePlainview

14

Coming SoonA lsquoMust Attendrsquo

Legislative ForumTuesday October 30 2012

Sponsored by DOWNSTATE INSURANCE ASSOCIATIONSrsquo COUNCIL

Supported by Downstate member associationsCIBGNY IIAB Suffolk QCIP TriCounty IIAA amp WINLI

Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013

Bring your staff and your questionshelliphellip

The Place Chateau Briand 440 Old Country Road Carle Place

Get directions on wwwchateaubriandcatererscom or call 516-334-6125

Time 400 pm

Full details to follow shortly

15

FEMA Hurricane Informationhttpwwwreadygovhurricanes

Suffolk County Hurricane Preparedness Home Page

httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng

Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml

LIPA Storm Center

httpwwwlipowerorgstormcenterhurricanehtml

Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island

Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom

Long Island Hurricane Guide

httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm

Boating Times Hurricane Guide

httpboatingtimeslicomNYp=11417

Hurricane Links

When

re

and

water

damage

put

the

things

that

matter

most

on

the

line

you

need

the

best

help

on

the

line

as

well

tseisae

eht

gniwonk

yhw

srsquotahT

ways

to

contact

SERVPRO reg

is

so

important

Just

go

to wwwServproPortJeersoncom or call

1-866-928-7668

Independently Owned and Operated

WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration

Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up

of Port JeffersonStony BrookHicksvillePlainview

15

FEMA Hurricane Informationhttpwwwreadygovhurricanes

Suffolk County Hurricane Preparedness Home Page

httpwwwsuffolkcountynygovDepartmentsFireRescueandEmergencyServicesOfficeofEmergencyManagementNaturalDisastersandExtremeWeatherHurricanesaspxUDZaZtaGrng

Nassau County Hurricane Preparedness Home PagehttpwwwnassaucountynygovagenciesOEMhurricanepreparehtml

LIPA Storm Center

httpwwwlipowerorgstormcenterhurricanehtml

Long Island Press Hurricane Guide httpwwwlongislandpresscom20110825hurricane-preparedness-guide-for-long-island

Advanced Restoration Hurricane Guidehttpwwwadvancedrestorationcomlong-island-new-york-hurricane-preparedness-recovery-be-prepared-nassau-suffolk-county-hamptons-east-end-li-nyAboutCom

Long Island Hurricane Guide

httplongislandaboutcomodfamiliessinglesseniorsqthurricaneshtm

Boating Times Hurricane Guide

httpboatingtimeslicomNYp=11417

Hurricane Links

When

re

and

water

damage

put

the

things

that

matter

most

on

the

line

you

need

the

best

help

on

the

line

as

well

tseisae

eht

gniwonk

yhw

srsquotahT

ways

to

contact

SERVPRO reg

is

so

important

Just

go

to wwwServproPortJeersoncom or call

1-866-928-7668

Independently Owned and Operated

WaterStorm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct amp HVAC Cleaning Catastrophe Storm Response Painting Carpentry and all phases of Construction Move Outs and Contents Restoration

Debris Removal Odor Identification and Deodorization Carpet amp Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning amp Restoration Post-Construction Clean-up Ice Blasting Sand Blasting and Soda Blasting Biohazard Vandalism and Crime Scene Clean-up

of Port JeffersonStony BrookHicksvillePlainview

16

The Independent Insurance Agents amp Brokers of Suffolk County Inc installed new officers and directors for the 2012 through 2013 term More than 120 IIABSC members and guests attended the May 23 event which took place at The Harbor Club Huntington New York Richard A Poppa CAEAAI President and CEO of the statewide Independent Insurance Agents amp Brokers of New York Inc performed the installation ceremony

13 Installed officers included David M Borg CPCU CIC CRM ARM of Borg amp Borg Inc in Huntington who is now the organizationrsquos president Joanne Bentivegna CIC CRM of Peoplersquos United Insurance Agency in Hauppauge will serve as vice president Paulette Katz CIC Maurice B Cunningham Inc in Southampton will remain as the associationrsquos treasurer and John V Stype CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary

IABSC also installed the following directors

David H Borg CISR Borg amp Borg Inc HuntingtonRichard de la Sota CPCU MRW Group Inc HuntingtonJohn J Glennon of John J Glennon Inc HauppaugeJoseph Gundermann AAI Gundermann amp Gundermann Inc Huntington Eric Keiffert CPCU Hometown Insurance Agency BohemiaMichael J Romeo ll CIC Industrial Coverage Corp PatchogueLaura Senn CIC Peoplersquos United Insurance Agency HauppaugeAaron Stein CPCU CFP Norton amp Siegel Inc Babylon

13 Since 2005 the Vincent A Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big ldquoIrdquo associations and the American Agency System as a whole This year the award was presented to James D Sutton CIC AAI

Installation Dinner May 23 2012The Harbor Club Huntington NY

17

Installation DinnerThe Harbor Club Huntington NY

May 23 2012

18

19

20

21

Russ Vollmer presented the Vincent A Alba Lifetime

Achievement award to Jim Sutton

The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette

Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey

Romeo and Aaron Stein

Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

17

Installation DinnerThe Harbor Club Huntington NY

May 23 2012

18

19

20

21

Russ Vollmer presented the Vincent A Alba Lifetime

Achievement award to Jim Sutton

The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette

Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey

Romeo and Aaron Stein

Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

18

19

20

21

Russ Vollmer presented the Vincent A Alba Lifetime

Achievement award to Jim Sutton

The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette

Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey

Romeo and Aaron Stein

Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

19

20

21

Russ Vollmer presented the Vincent A Alba Lifetime

Achievement award to Jim Sutton

The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette

Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey

Romeo and Aaron Stein

Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

20

21

Russ Vollmer presented the Vincent A Alba Lifetime

Achievement award to Jim Sutton

The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette

Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey

Romeo and Aaron Stein

Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

21

Russ Vollmer presented the Vincent A Alba Lifetime

Achievement award to Jim Sutton

The Suffolk board was installed by Dick Poppa IIABNY President amp CEO (l-r) Joanne Bentivegna Paulette

Katz Joe Gundermann John Glennon Rich dela Sota David H Borg Eric Keiffert Laura Senn Mickey

Romeo and Aaron Stein

Dick Poppa IIABNY President amp CEO installed David M Borg as the new president of IIABSC

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

22

David Borg thanked Earl Eaton IIABSC outgoing

president for a job well done

Dick Poppa with Bernadette and David Borg

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

23

Sponsorsthe

Installation Sponsors

Dinner SponsorsCRC

Interboro Insurance Company

Kingstone Insurance Company

Morstan General Agency

Narragansett Bay Insurance Company

Utica National Insurance Group

Social Hour Sponsors Adirondack InsuranceTower Group Companies

BELFOR Property Restoration

Chartis Insurance

First Rehab Life

Harleysville Group

Merchants Insurance Group

Quaker Special Risk

Total Restoration Inc

Travelers

Zurich Small Business

Door Prize SponsorsRestoration Specialists

Please remember these companies support our association please help

support them whenever possible

24

What Would Shakespeare SayBy Laura Senn CIC

If Shakespeare were living today instead of saying To Be or Not To Be I think if he

lived on Long Island he would say To Be Prepared or Not to Be Prepared For us Long

Islanders THAT is the Question

We are in Hurricane season and here is some helpful

information from PURE

bullPay Attention to Your Roof The older your roof the weaker it likely

is and the more exposed it may be to winds and water damage Hire a roofing specialist to do a thorough review of your roof and soffits identify any loose or missing tiles or issues with flashing and repair these

items as soon as possible In coastal areas if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water

resistance is deployed premium credits can be generous

bullSecure the Openings to Your Home The best way to reduce the

damage from the force of the wind is to keep the openings of your home secure One thing to consider is to ensure that your doors swing

outwardly making them more difficult to fly open While more and more coastal residents are using hurricane-impact glass on their

windows some of our members still rely on storm shutters If you have

25

storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place

even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone

to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)

bullReduce the Potential for Flying Debris Trees gravel yard

ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items

when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden

bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure

bullDevelop a Hurricane Plan For those living in coastal areas

(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan

for your family should include the following items

What Would Shakespeare Sayconrsquot

26

bullEmergency Contact Information All members of your family

should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list

bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the

likely hurricane area as a designated safe place to meet and stay

bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case

your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions

bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food

blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery

operated radio toiletries tarp duct tape money credit cards insurance information identification)

bull

What Would Shakespeare Sayconrsquot

27

VICE PRESIDENT

JOANNE BENTIVEGNA

CIC CRM

TREASURER

PAULETTE KATZ CIC

SECRETARY

JOHN V STYPE CIC

IMMEDIATE PAST PRESIDENTEARL EATON

DAVID H BORG CISRdhborgborgborgcom

RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom

JOHN J GLENNONjohnglennoninsurancecom

JOSEPH A GUNDERMANN AAI jgundermanngundermanncom

ERIC KEIFFERT CPCUekeifferthometowninsurancecom

MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom

LAURA SENN CIClaurasennpeoplescom

AARON STEIN CPCU CFPaaronnortonsiegelcom

Directors

Board of Directors

EDITOR Don Hester PRODUCER Aaron Stein

NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert

Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom

Publication Staff

25

storm shutters please make sure that your contract to have them fitted is up-to-date and that your contractor will be able to put them in place

even at short notice If you are away from your home for the season please put your shutters up now (Please note that if you expect someone

to be inside your home while you are away such as a ldquohouse sitterrdquo or caretaker be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house)

bullReduce the Potential for Flying Debris Trees gravel yard

ornaments and other items outside a home can become windborne debris in a hurricane Bring in lawn furniture and other yard items

when a hurricane threatens In coastal areas consider alternatives to gravel or stones in your garden

bullRecognize the Risk of Trees Prune weak branchestrees and remove limbs that overhang or are too close to the structure

bullDevelop a Hurricane Plan For those living in coastal areas

(particularly in the Southeast) please do not wait until authorities give the signal to evacuate to start thinking about a plan A hurricane plan

for your family should include the following items

What Would Shakespeare Sayconrsquot

26

bullEmergency Contact Information All members of your family

should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list

bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the

likely hurricane area as a designated safe place to meet and stay

bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case

your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions

bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food

blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery

operated radio toiletries tarp duct tape money credit cards insurance information identification)

bull

What Would Shakespeare Sayconrsquot

27

VICE PRESIDENT

JOANNE BENTIVEGNA

CIC CRM

TREASURER

PAULETTE KATZ CIC

SECRETARY

JOHN V STYPE CIC

IMMEDIATE PAST PRESIDENTEARL EATON

DAVID H BORG CISRdhborgborgborgcom

RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom

JOHN J GLENNONjohnglennoninsurancecom

JOSEPH A GUNDERMANN AAI jgundermanngundermanncom

ERIC KEIFFERT CPCUekeifferthometowninsurancecom

MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom

LAURA SENN CIClaurasennpeoplescom

AARON STEIN CPCU CFPaaronnortonsiegelcom

Directors

Board of Directors

EDITOR Don Hester PRODUCER Aaron Stein

NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert

Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom

Publication Staff

26

bullEmergency Contact Information All members of your family

should have each otherrsquos phone numbers stored in their cell phone as well as a written emergency contact list

bullSafe Destination If you do not have a second home where you would go consider a hotel or the home of a friend or relative out of the

likely hurricane area as a designated safe place to meet and stay

bullEvacuation Routes Identify a primary evacuation route that will get you to your safe destination then have at least two backup routes in case

your primary one is blocked Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions

bullEmergency Kit Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food

blankets and sleeping bags important medications and a first aid kit extra change of clothes extra keys batteries and eyeglasses battery

operated radio toiletries tarp duct tape money credit cards insurance information identification)

bull

What Would Shakespeare Sayconrsquot

27

VICE PRESIDENT

JOANNE BENTIVEGNA

CIC CRM

TREASURER

PAULETTE KATZ CIC

SECRETARY

JOHN V STYPE CIC

IMMEDIATE PAST PRESIDENTEARL EATON

DAVID H BORG CISRdhborgborgborgcom

RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom

JOHN J GLENNONjohnglennoninsurancecom

JOSEPH A GUNDERMANN AAI jgundermanngundermanncom

ERIC KEIFFERT CPCUekeifferthometowninsurancecom

MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom

LAURA SENN CIClaurasennpeoplescom

AARON STEIN CPCU CFPaaronnortonsiegelcom

Directors

Board of Directors

EDITOR Don Hester PRODUCER Aaron Stein

NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert

Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom

Publication Staff

27

VICE PRESIDENT

JOANNE BENTIVEGNA

CIC CRM

TREASURER

PAULETTE KATZ CIC

SECRETARY

JOHN V STYPE CIC

IMMEDIATE PAST PRESIDENTEARL EATON

DAVID H BORG CISRdhborgborgborgcom

RICHARD DE LA SOTA CPCU rdelasotamrwgroupcom

JOHN J GLENNONjohnglennoninsurancecom

JOSEPH A GUNDERMANN AAI jgundermanngundermanncom

ERIC KEIFFERT CPCUekeifferthometowninsurancecom

MICHAEL J ROMEO LL CICmjromeoindustrialcoveragecom

LAURA SENN CIClaurasennpeoplescom

AARON STEIN CPCU CFPaaronnortonsiegelcom

Directors

Board of Directors

EDITOR Don Hester PRODUCER Aaron Stein

NEWSLETTER COMMITTEE Aaron Stein Joanne Bentivegna David H Borg Pat Calvert

Eric Keiffert and Jeanne Abatelli AD SALESSPONSORSHIPS Jeanne Abatelli - infosuffolkagentscom

Publication Staff

28

CONTRIBUTIONS

Q Who can contribute to the PACs

InsurPac (Federal) ndash US citizens who are members of IIABArsquos solicit able class of individuals may contribute to InsurPac IIABArsquos solicit able class of individuals consists of salaried member agents their spouses and children and salaried employees of the association (IIABA amp IIABNY)

IAPAC (State) ndash Any person corporation limited liability company sole proprietorship or partnership (subject to aggregate calendar limits)

Q Are corporate contributions permitted

InsurPac (Federal) ndash InsurPac CANNOT accept corporate checks unless done via payroll deduction Checks drawn on non-incorporated agency accounts are acceptable depending on how the agency files with the IRS For partnerships a partnership allocation form is required (see sample forms)

IAPAC (State) ndash Personal and corporate checks ARE acceptable

Q Is there a limit on contributions

InsurPac (Federal) ndash The most an individual may contribute in a calendar year is $5000

IAPAC (State) ndash An individual may contribute up to $150000 in a calendar year A corporation may contribute up to $5000 in a calendar year Each affiliated or wholly-owned subsidiary corporation if a separate legal entity has its own limit

Q Are credit cards accepted

InsurPac (Federal) ndash Yes InsurPac accepts Visa American Express and Master Card (personal credit cards only)

PAC Frequently Asked Questions

29

IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card

Q Are monthly installments available

InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely

IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues

Note your calendar

This Year Our Holiday Party Will Be Held on

Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook

KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening

with friends and associates

Details will follow soon

PAC Frequently Asked Questionsconrsquot

30

Q Are cash contributions allowed

InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor

IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person

Q Are contributions deductible on federal income tax returns

InsurPac (Federal) ndash No

IAPAC (State) ndash No

FUNDRAISING

Q What are the rules for soliciting groups (such as a local association meeting)

InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited

PAC Frequently Asked Questionsconrsquot

29

IAPAC (State) ndash Yes IAPAC accepts Visa American Express and Master Card

Q Are monthly installments available

InsurPac (Federal) ndash Yes by credit card withdrawal on the 15th of the month Contributions can be equally allocated over a number of months or indefinitely

IAPAC (State) ndash Yes if paid with IIABNY dues Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT) Installments are not available for contributions paid independent of IIABNY dues

Note your calendar

This Year Our Holiday Party Will Be Held on

Thursday November 29 2012 Once Again at the Fabulous Villa Lombardirsquos in Holbrook

KICK OFF YOUR HOLIDAY SEASON WITH USReserve this date for a fun-filled festive evening

with friends and associates

Details will follow soon

PAC Frequently Asked Questionsconrsquot

30

Q Are cash contributions allowed

InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor

IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person

Q Are contributions deductible on federal income tax returns

InsurPac (Federal) ndash No

IAPAC (State) ndash No

FUNDRAISING

Q What are the rules for soliciting groups (such as a local association meeting)

InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited

PAC Frequently Asked Questionsconrsquot

30

Q Are cash contributions allowed

InsurPac (Federal) ndash Yes InsurPac can accept up to $100 aggregate in a calendar year from any legal donor

IAPAC (State) ndash Yes IAPAC can accept up to $100 aggregate in a calendar year from any one person

Q Are contributions deductible on federal income tax returns

InsurPac (Federal) ndash No

IAPAC (State) ndash No

FUNDRAISING

Q What are the rules for soliciting groups (such as a local association meeting)

InsurPac (Federal) ndash By law the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency This is accomplished by the ldquoCorporate Authorizationrdquo form (see sample forms) The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form An agency principal can sign for five years forward The Corporate Authorization form is required only for incorporated agencies Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited

PAC Frequently Asked Questionsconrsquot

31

Jerry Brunell Memorial Fishing Outing

Wednesday September 12 2012

Again this year Downstate will hold its annual Fishing Excursion on the ldquoFishtalerdquo boat departing Captree Boat Basin Ticket price includes a full day of fishing breakfast lunch beer soda prizes bait amp

tackle fishbags

Amount $7500person

Place Captree Boat Basin

Time Departs 745 am Return 330pm

Directions Southern State Parkway to Exit 40

Robert Moses Causeway take south 5 miles to

Captree Boat Basin exit

Footware Sneakers dock-siders or equivalent

Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155

Please fill out and send with your check payable to Downstate CouncilReturn to Martin Rosenthal

co NGL Group 112 Merrick Road

Lynbrook NY 11563Firm Name___________________________________________________________________

Name_______________________________________________________________________

Address______________________________________________________________________

City _______________________________________ State _______ Zip _________________

Tel No_____________________________________ Email ___________________________NoFishing _____ $75 each = $__________

Total Amount of Check enclosed ___________

Use back of form for additional fishermen

32

This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information

IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above

Q Are raffles allowed

InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)

IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling

Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value

InsurPac (Federal) ndash Yes

IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance

Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)

InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)

IAPAC (State) ndash Yes

PAC Frequently Asked Questionsconrsquot

33

34

Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC

InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)

IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)

PAC Frequently Asked Questionsconrsquot

35

IAPACState PAC

InsurPacFederal PAC

Financial Year May 1 ndash April 30 January 1 ndash December 31

Current Goal $62600 $48240

Type of check accepted

Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see

below)

Payable to IAPAC InsurPac

Credit card YesAmerican Express MasterCard or

VISA

Yes American Express MasterCard or

VISA

Contribution form YesAvailable on IIABNY website

YesAvailable on IIABNY website

On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option

Monthly payment option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Automatic Debit option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership

contributionrdquo form

Corporate Approval form

NA Try to get this form completed if possible

Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp

Racing Laws

Permitted if fair market value of the prize is not more than 13 of the total

amount raised

PAC GUIDLINESState vs Federal

July 2012

32

This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs A separate PAC table can be set up and people can be encouraged to visit the table for more information

IAPAC (State) ndash There are no state requirements regarding authorization to solicit Therefore you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above

Q Are raffles allowed

InsurPac (Federal) ndash Yes if the fair market value of the prize is not more than 13 of the total amount raised (Example ndash If the prize was a $500 set of golf clubs at least $1500 must be raised in the raffle)

IAPAC (State) ndash No Funds are not allowed to be raised by raffles 5050 or any other type of gambling

Q Can we raise money by selling ldquomulligansrdquo at a golf outing or some other thing with no real value

InsurPac (Federal) ndash Yes

IAPAC (State) ndash Yes with some restrictions The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance

Q Can we raise money by charging admission to an event (such as a wine tasting reception or other social event)

InsurPac (Federal) ndash Yes if the cost of the event is not more than 13 of the total amount raised (Example ndash if the event costs $500 at least $1500 must be raised from the event)

IAPAC (State) ndash Yes

PAC Frequently Asked Questionsconrsquot

33

34

Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC

InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)

IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)

PAC Frequently Asked Questionsconrsquot

35

IAPACState PAC

InsurPacFederal PAC

Financial Year May 1 ndash April 30 January 1 ndash December 31

Current Goal $62600 $48240

Type of check accepted

Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see

below)

Payable to IAPAC InsurPac

Credit card YesAmerican Express MasterCard or

VISA

Yes American Express MasterCard or

VISA

Contribution form YesAvailable on IIABNY website

YesAvailable on IIABNY website

On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option

Monthly payment option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Automatic Debit option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership

contributionrdquo form

Corporate Approval form

NA Try to get this form completed if possible

Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp

Racing Laws

Permitted if fair market value of the prize is not more than 13 of the total

amount raised

PAC GUIDLINESState vs Federal

July 2012

33

34

Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC

InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)

IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)

PAC Frequently Asked Questionsconrsquot

35

IAPACState PAC

InsurPacFederal PAC

Financial Year May 1 ndash April 30 January 1 ndash December 31

Current Goal $62600 $48240

Type of check accepted

Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see

below)

Payable to IAPAC InsurPac

Credit card YesAmerican Express MasterCard or

VISA

Yes American Express MasterCard or

VISA

Contribution form YesAvailable on IIABNY website

YesAvailable on IIABNY website

On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option

Monthly payment option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Automatic Debit option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership

contributionrdquo form

Corporate Approval form

NA Try to get this form completed if possible

Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp

Racing Laws

Permitted if fair market value of the prize is not more than 13 of the total

amount raised

PAC GUIDLINESState vs Federal

July 2012

34

Q Can our local association (or an individual agency other entity) donate the space (or food and beverage) for an event that raises money for the PAC

InsurPac (Federal) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual calendar year limit Because only individual contributions are allowed for InsurPac a local association agency or other entity may not donate goods or services for an event It must be an individual (Example ndash an individual donates meeting space food and beverage for a fundraising event The fair market value of the donation must be reported as an individual contribution and subject to the $5000 calendar year limit)

IAPAC (State) ndash There are no restrictions on donating goods and services however the fair market value of the goods and services must be reported as an in-kind contribution subject to the individual and corporate aggregate limits (Example ndash a local association has already made an IAPAC contribution of $2000 in the calendar year The local association wants to donate meeting space food and beverage valued at $4000 for an event to raise PAC funds Only $3000 in goods and services can be donated because of the $5000 calendar year limit for the local association)

PAC Frequently Asked Questionsconrsquot

35

IAPACState PAC

InsurPacFederal PAC

Financial Year May 1 ndash April 30 January 1 ndash December 31

Current Goal $62600 $48240

Type of check accepted

Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see

below)

Payable to IAPAC InsurPac

Credit card YesAmerican Express MasterCard or

VISA

Yes American Express MasterCard or

VISA

Contribution form YesAvailable on IIABNY website

YesAvailable on IIABNY website

On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option

Monthly payment option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Automatic Debit option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership

contributionrdquo form

Corporate Approval form

NA Try to get this form completed if possible

Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp

Racing Laws

Permitted if fair market value of the prize is not more than 13 of the total

amount raised

PAC GUIDLINESState vs Federal

July 2012

35

IAPACState PAC

InsurPacFederal PAC

Financial Year May 1 ndash April 30 January 1 ndash December 31

Current Goal $62600 $48240

Type of check accepted

Personal or Corporate Personal only(Unless for a ldquoPartnershiprdquo ndash see

below)

Payable to IAPAC InsurPac

Credit card YesAmerican Express MasterCard or

VISA

Yes American Express MasterCard or

VISA

Contribution form YesAvailable on IIABNY website

YesAvailable on IIABNY website

On-line contribution Yes ndash with IIABNY dues payment Yes ndash may access from IIABNY site wwwiiabnyorg (then click on Advocacy then Political Action Committee) or national site wwwiiabanet (then click on Govt Affairs then InsurPac) Must be logged in as a member to see on-line option

Monthly payment option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Automatic Debit option

Yes(with IIABNY dues payment)

Yes(see contribution form)

Partnership NA Partnership may use a corporate check ndash must complete ldquoPartnership

contributionrdquo form

Corporate Approval form

NA Try to get this form completed if possible

Raffles NOT permitted under NYS Campaign Finance Laws and NYS Wagering amp

Racing Laws

Permitted if fair market value of the prize is not more than 13 of the total

amount raised

PAC GUIDLINESState vs Federal

July 2012

36

Quick amp Easy Way to Create Your Own Web Site

AgentQuote

IIABNY Member Price$39month

AgentQuote is the endorsed website development provider of

37

Big ldquoIrdquo CE Classes on LI

IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012

CE Classes in Suffolk Nassau and Queens Counties

The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise

091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)

The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)

091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl

The following seminar will be held at Belfor in Maspeth Queens

092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)

38

110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)

For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI

conrsquot

37

Big ldquoIrdquo CE Classes on LI

IIABNY FALL SEMINAR CALENDAR ndash Remainder of 2012

CE Classes in Suffolk Nassau and Queens Counties

The following seminars will be held at Belfor Restoration in Ronkonkoma NY unless noted otherwise

091212 Therersquos Insurance For That (half day-am)091312 NYAIP Certification Program - (Half day-am)101712 Workplace Worries (Anti Discrimination)

The following seminars will be held at Four Points Sheratonin Plainview(Pl) or LaQuinta Inn amp Suites in Garden City (GC)

091312 Therersquos Insurance For That GCndash (half day ndash am)092112 AAI 82-C - Specialized Insurance - Pl101112 Homeowners Insurance (ACSR Mod 1) ndash Pl101612 Workplace Worries (Anti Discrimination) ndash GC 102312 ACE Insura Claims Detection ndash Personal Lines (half day ndash am) Pl102312 ACE Insura Claims Detection ndash Comm Lines (half day ndash pm) PL103012 Best Practices - EampO Loss Prevention ndash Pl110712 EampO Basics (ACSR Mod 4) ndash Pl110812 AAI 82-B ndash Other Commercial Insurance ndash Pl111612 NYAIP Certification Program - (Half day-am) Pl112712 AAI 82-A - Commercial Liability - Pl120412 Commercial Lines Property Ins (ACSR Mod 6) ndash Pl

The following seminar will be held at Belfor in Maspeth Queens

092912 NYAIP Certification Program - (Saturday-am)100912 Therersquos Insurance For That (half day-am)

38

110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)

For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI

conrsquot

38

110912 NYAIP Certification Program - (4-830pm)111312 Workplace Worries (Anti Discrimination) 121412 NYAIP Certification Program - (Half day-am)

For a complete schedule log on to wwwiiabnyorg Highlight the lsquoEducationrsquo link and select lsquoEducation Calendarrsquo Registration forms are also available on line or call IIABNYrsquos Education Dept at 1-800-962-7950 Big ldquoIrdquo CE Classes on LI

conrsquot

39

Note your calendar now to attend this big event

Downstatersquos Legislative Forum

will be held onTuesday October 30th 2012

at the beautiful Chateau Briand in Carle Place

Details to follow shortly

For event details contact Pat Calvert 516-621-2209 or email calvertpcaolcomFor registration and sponsorship information

contact Jeanne Abatelli 516-681-6265 or email Injeanious1maccom

40

7KH1H[WHQHUDWLRQQVXUDQFH3URIHVVLRQDOV

The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training seminars and conferences across the state Our members also have the opportunity to participate in national Big ldquoIrdquo Young Agents events

0HPEHUVKLS5HTXLUHPHQWVNext Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and eective salespeople creating lasting business relationships and joining the ranks of insurance industry leaders

Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry It is not limited to agents only it is open to any one involved in or supporting the insurance industry including all agency and company personnel

Aliated with IIABA Young Agents

Membership is Free Join today by lling out the following form and returning it to

Kathy Lawler Monica Rayderklawleriiabnyorg mrayderiiabnyorgFax 888-432-0510 Fax 888-432-0510

Name _____________________________________________________ Agency _________________________________________

Address _____________________________________________________________________________________________________

Position ___________________________________________________ Year Born ________________________________________

E-mail _____________________________________ Phone ____________________________ Fax __________________________

LGHZDWHUV3DUNZDVW)ORRUHZLWW1ltZZZLLDEQRUJ

Networking amp social events with other professionals

Exciting amp innovative sales and marketing training

Management skills that allow your career to grow

Valuable leadership development

41

INSURANCE COMPANIES amp MARKETS

Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539

Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621

NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom

Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom

INSURANCE SERVICES

Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom

Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom

RESTORATION SERVICES

Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905

Advertisersthe

41

INSURANCE COMPANIES amp MARKETS

Excise Bond Underwriters John L Comeau 15 Maiden Lane Suite 800 New York NY 10038 Tel 212-363-2950 Fax 212-425-2539

Magna Carta Companies Wanda Napolitano 1 Park Avenue New York NY 10016 Toll Free 1-888-ONE PARK Phone 212-591-9500 Fax 212-591-9621

NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset NY 11030 Phone 516-365-7440Fax 516-496-7356 Email nwilliamsnifgroupcom wwwnifgroupcom

Quaker Special Risk Camille Windler226 5th Avenue 4th FlrNew York NY 10001 Phone 516 428 0716 Fax 732-223-9072 Email salesattkraolcomBrian Botwinick Eatontown NJ Toll Free 800-447-4180 Email bbotwinickqsr-insurancecom

INSURANCE SERVICES

Ovation Payroll Jill RizzoMarketing Coordinator200 Canal View BlvdSuite 200Rochester NY 14623Phone 585-341-3523Fax 866-325-9848Email jrizzoovationpayrollcom

Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville NY 11801 Phone 516-935-0100 Fax 516-931-7842Email ppryor1578aolcom

RESTORATION SERVICES

Belfor Property Restoration Gary J Alexander 60 Raynor Ave Ronkonkoma NY 11779 Phones 631-471-3131 x121 Fax 631-471-2905

Advertisersthe

42

2 0 1 2 J U L A U G I S S U E

SUFFOLK Big Eye

Contact Usinfosuffolkagentscom

IIABSC150 Dartmouth DrHicksville NY 11801

I N D E P E N D E N T I N S U R A N C E A G E N T S amp B R O K E R S O F S U F F O L K C O U N T Y

the