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When placing professional liability, don't be the one to make the "error or omission" by Curtis M. Pearsall, CPCU, AIAF, CPIA
President – Pearsall Associates, Inc., and
Special Consultant to the Utica National Agents E&O Program

As producers look to place coverage for their clients, there is a good chance that professional liability could be one of the exposures needing attention. When most agency sales staff think of professional liability (a/k/a errors and omissions), the following classes of professional business come to mind: travel agents, real estate agents, lawyers, medical professionals, accountants and others. While these the more common, there are over 100 additional professional occupations including appraisers, engineers, pharmacists, court reporters, funeral directors, speech pathologists, consultants, therapists and teachers that have a professional liability exposure.

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Posted by on in Helpful Information

Last winter, PIA introduced a new money saving service from Drivers History, Inc. called DocIt. They have recently rebranded their agent-focused offering under the name DocIT for Agents. This will help agents and others more easily distinguish DocIt, used by an increasing number of auto insurance carriers to rate auto insurance policies, from the product which agents have been using to reduce their MVR expenses, jog applicant's memories, find undisclosed drivers in a household and better place drivers with the right auto insurance carrier earlier in the quoting process.

The new destination for agents to learn about this PIA member-only service is: www.pianet.com/DocITforAgents.

What Is DocIT for Agents?


DocIT for Agents is an online service that contains violation information on drivers sourced directly from court records (not the MVR). When referenced early in the applicant conversation, this information leads to a more accurate initial quote, which greatly improves the customer experience. In addition, MVR expenses are reduced for those applicants who might otherwise drop after the policy is bound due to a subsequent premium increase when additional violations are discovered later in the process. These traffic violation reports are available to PIA members for as little as 75¢ per transaction.

How Can Agents Use DocIT for Agents?

At Initial Conversation:
Agents can reference the information provided by DocIT for Agents early in the conversation to help prompt an applicant's recollection of traffic violations.

Get It Right the First Time:
With a more accurate recollection, agents ensure prospective clients are priced properly and placed with the right insurance company given their risk profile early on, at the initial quote.

Improve Customer Experience:
With DocIT for Agents you will reduce the occurrence of rate changes on subsequent quotes, thereby improving the overall customer experience.

Discover Violations for Additional Drivers in Household:
Using DocIT for Agents you can discover undisclosed household members who have a violation history.

Reduce MVR Expenses:
When applicants with violations self-select out earlier in the process, agencies reduce expenses and time spent on nonbuying customers.

Learn More About Drivers History's DocIT for Agents


To learn more about DocIT for Agents PIA members can contact Erin Reilly at Drivers History at 856.673.1286 or pia@drivershistory.com. Additional information, including the dates and times of upcoming PIA member webinars, can also be found on PIA National's website at www.pianet.com/DocITforAgents.

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Posted by on in Helpful Information

It's Fire Prevention Week—help us sound the alarm that working smoke alarms save lives.

Did you know that many people don't test their smoke alarms as often as they should? When there is a fire, smoke spreads fast. You need working smoke alarms to give you time to get out. Test yours every month!

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As a PIA member you can choose from several high-quality, competitively priced insurance plans to help protect you, your employees and families. You can customize your protection to best meet your family's insurance needs. Your employees may apply for all of the following plans without your participation, except for Basic Life.

Term Life Insurance Program
Mortgage payments, education, health care and daily living expenses continue for your family if something happens to you. Help protect their financial future with $50,000 Basic Life Insurance available to Agency Owners/Managers and up to $30,000 for their employees. This Basic Life coverage is only available if there is 100% participation of eligible employees and the employer contributes 100% of the premium. There is no medical underwriting. Additional term life insurance up to $300,000 is available through the Voluntary Life Insurance Program (medically underwritten). If you have Basic or Voluntary Life, Dependent Term Life Insurance is also available with up to $100,000 for spouses (medically underwritten) and $10,000 for children (ages 6 months to 19 years) and $500 for children (age 14 days to 6 months). Children are not medically underwritten.

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Insurance technology provider Vertafore recently released results of a survey it conducted that found young agents value flexibility and career growth opportunities more than technology when it comes to job satisfaction.

The survey looked at responses from 414 executives throughout the insurance industry – with 166 (40 percent) of respondents under the age of 40 – to determine how technology is shaping the younger generation's decision to enter and stay in the insurance industry.

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Featured Benefit

DocIT for Agents

 Agents are saving time quoting auto insurance, reducing MVR chargeback fees from carriers and other MVR costs, and making auto insurance sales more profitable for their agency by using DocIT for Agents. PIA members contact Drivers History at 856.673.1286 or pia@drivershistory.com

PIA of Minnesota
8646 Eagle Creek Circle, Suite 202
Savage, MN 55378

Phone: 866-694-7070
Fax: 866-749-8678

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