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Independent Insurance Agents & Brokers of New Jersey
Independent Insurance Agents & Brokers of New Jersey
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Thursday, 04/24/2014email print

 

Agency Procedures 
Auto ID ACORD 51 WM guidelines
Business Skills (Business Planning, Advertising, Customer Service, Employment Contracts and Agreements, Human Resources, Marketing; Sales, Sales Management, and more) 
E&O Loss Control
Perpetuation
Registering the Agency as a Corporation
Starting an Agency from Scratch (IIAT feature)
Valuation
Workflow Procedures Manual: Jack Fries/ Dawn Fries, Fries & Fries Consulting


Business Relationships

IIANJ Catastrophe App
IIABNJ has developed a new catastrophe app that is available for download free of charge on Google Play and iTunes. The IIANJ Cat App stores updated information for major storms, a listing of tips and resource, OEM directory, and claims directories. Search for IIANJ Catastrophe in your mobile phone's app directory to download this free resource.


Superstorm Sandy Resources Page

State and Federal Websites
American Red Cross 
Complete Listing of New Jersey County & Municipal Websites 
FEMA 
New Jersey Department of Banking & Insurance (DOBI)
New Jersey Office of Emergency Management 
New Jersey State Official Home Page
National Oceanic and Atmospheric Administration (NOAA)

Planning and Preparedness
ACT Disaster Planning & Management
American Red Cross Disaster Preparedness Information
Center for Catastrophe Preparedness and Response
CERT Training
Emergency Preparedness Guide for Home and Family
Example I of Big 'I' Catastrophe Guide
Example II of Big 'I' Catastrophe Disaster Planning Guide
Example III of Big 'I' Agency Disaster Planning Guide (Includes information on earthquakes, inland storm systems and flooding, fire conflagrations, transportation and industrial accidents, terrorism, and other types of disasters. IIABA members can now download this plan and adapt it for use in their agencies.  Must be logged in with Big “I”/IIABNJ member ID and password to access the guide.)
Get Ready New Jersey – Public Health Guide to Emergency Planning
Hurricane Infographic (download and personalize for your clients/prospects)
NJ Office of Emergency Management-Private Sector Essential Employee Credentialing Program
Preparing for a Disaster
Working Together for Home Fire Safety


Recovery Assistance
Agility Recovery (special IIABNJ member pricing)
Basic Drying Procedures
Business Recovery Assistance
Disaster Resource Guide
Disaster Recovery Journal Sample Plans and Outlines 
FDA: Food and Water Safety 
Flood Cleanup Tips
Health & Safety Information (returning home)
How to Clean up After a Hurricane 
OSHA Fact Sheet: Flood Cleanup 
Red Cross: Steps for a Safe and Speedy Recovery 
Replacing Important Papers
Returning Home Post-Evacuation 
Settling Insurance Claims after a Disaster
Tips for Facilitating the Claims Settlement Process


Media and Utilities
Asbury Park Press 
JCP&L
New Jersey Natural Gas
NJ.com 
PSE&G


Misc.
ASPCA
Humane Society

COBRA
FAQ on COBRA

 


Competition
Member agencies have felt the effects of increased competition from direct writers in our New Jersey personal auto marketplace.  The IIABNJ Communications Work Group put together several tools for IIABNJ members.   "Talking Points" sample for agency CSRs and staff to use when faced with clients who are planning to move their personal auto business to a direct writer.  Several member agents have pointed out that some of the insurance being purchased over the Internet may be misleading to their clients, and several such points are included in the Talking Points. 
Sample letters: Short VersionLong Version.  These letters can be sent to clients who are either planning to move their business or who have already done so. Please feel free to use this language to customize your own letters. 

 

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Commissions
Allowance to pay commissions to nonlicensed individuals 11:17B-2.1 (e)
IIABNY forms/information on NY compliance with commission disclosure

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Coverage Checklists
Checkmate! Using Coverage Checklists (E&O Angle)
Coverage Checklist - Commercial Lines - Florida Sample 
Coverage Checklist - Commercial Lines - Texas Sample 
Coverage Checklist Personal Lines - Florida Sample 
Coverage Checklist Personal Lines - Texas Sample
Sample Coverage Checklist - Commercial Lines
Sample Coverage Checklists Courtesy of Burand & Associates, LLC  
Additional Articles 

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Do Not Call / Do Not Fax / Email CAN-SPAM Act

Do Not Call Rule

The Federal Communications Commission (FCC) published a Do-Not-Call (DNC) rule on July 25, 2003, amending its rules implementing the Telephone Consumer Protection Act of 1991. The rule addressed two broad categories of activities: (1) telemarketing; and (2) fax solicitations.

Do Not Call FAQs 
Do Not Call Rules - Application to Telemarketing (includes sample policy)
NJ Division of Consumer Affairs Do Not Call Information
New Jersey Telemarketing "Do Not Call" List Information Sheet-Rules Are In Effect!--August 2004

Junk Fax Prevention Act
The Junk Fax Prevention Act of 2005 went into effect on July 9, 2005. On April 5, 2006, the Federal Communications Commission enacted rules and regulations implementing the law. 

Junk Fax Prevention FAQs
 Federal Communications Commission's Do Not Call Application to Faxes - Updated as of April 20, 2006

FCC Do Not Call Rule Application to Faxes as of July 1, 2005 (includes sample forms)


Email -CAN-SPAM Act of 2003
This law created a national standard to address the growing problem of commercial email and went into effect on January 1, 2004. In addition, the Federal Trade Commission issued a Rule on December 16, 2004 that became effective February 18, 2005 defining the "primary purpose" of an electronic message. 

CAN-SPAM Act FAQ 

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Insolvency Issues
Insurer Insolvency Resource Section (via Virtual University)
Sample letters (compliments of the IIA of Iowa) that agents can send to their client in the case of a carrier being down-graded, becoming insolvent, withdrawing, or being placed in rehabilitation:
Sample letter for rehabilitation
Sample letter for insolvency
Sample letter for downgraded carrier
Sample letter for carrier withdrawal
Sample disclaimer letter that insureds can use when placing business with less highly rated companies because of limited options in the marketplace: sample letter
DOBI Order for the Imposition of Surcharges for recoupment of NJ PLIGA Assessment
NJ Solvency regulations
New Jersey Property & Liability Insurance Guaranty Association Act - PLIGA
New Jersey Surplus Lines Insurance Guaranty Fund

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Overtime Hours and Compensation
Federal overtime rules for non-exempt employees went into effect August 23, 2004.  These changes impact which employees must be classified as non-exempt, requiring overtime pay for work in excess of 40 hours per week.  Overtime Hours and Compensation Frequently Asked Questions (August 2004)

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Producer Contracts
The Producer Contract Guide helps avoid the following problems that arise in producer contracts differentiating between independent contractor and employee producers, non-compete and non-piracy agreements, and more. If Sample contracts and worksheets are also included in this step-by-step process of compensating and contracting new producers. To access the Guide visit the Best Practices Product Tool Kit or access the Best Practices Product Catalog.  
 

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Producer Standards of Conduct
Scope / Definitions
Who Must Be Licensed
Activities For Which Licensure is Not Required
Duty to Have Insurance Producer at Each Place of Business
Personal Private Passenger Auto Solicitation
Rebates, Inducements, Prohibited Practies, Tie Ins, Coercion
Identification of Insurance Producer
Unfair Discrimination
Twisting
Fees and Commissions
Commissions allowed to unlicensed individuals NJAC 11:17B-2.1 (e)
Collection of Premiums
Insurance Producer to Witness Signature of Insured
Confirmation of Underwriting Information
Disclosure of Personal Information
Delivery of Policies
Receipts for Materials
Receipts
Record Keeping / Electronic Record Keeping
Revocation / Suspension of Insurance License 
PODCAST-Referral Fees & Gifts & Inducements

 

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Rebates
Definition
Prohibited Practices
Determination of Value

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Red Flag Rule
Red Flag Rule Guidelines (Identity Theft Prevention)

 

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Record Retention
Record Retention -Guidelines
Archiving Policy Forms

 

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Safeguarding Customer Information
Safeguarding Customer Information-Information Security Fact Sheet--August 2004
Sample Worksheet (pdf format)--August 2004
Sample Worksheet (excel format)--Download--August 2004

Trade Name
Regulation on use of trade name
If you wish to obtain information from the New Jersey Department of Banking and Insurance regarding trade name approval, please contact Karla Christie at 609-292-4337 extension 50294.

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Trust Accounts
Question and Answers about Federal Deposit Insurance and Bank Accounts
FDIC  

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Independent Insurance Agents & Brokers of New Jersey, Inc.
2211 Whitehorse-Mercerville Road, PO Box 3230, Trenton, NJ 08619
PH: 800-952-6948, 609-587-4333  |  FX: 609-587-4515  |  EM: iiabnj@iiabnj.org


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