Independent Insurance Agents & Brokers of New Jersey

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 Version / Long 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.

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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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.

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.