The Western Alliance is proud to announce CPIA designation courses will be available via webinar format beginning in January 2024 at piawest.com.  

 

Check our calendar of events for course informatioin.  

Registrations will be open soon!

CPIA - Certified Professional Insurance Agent

Empowering Insurance Professionals into the Future

The CPIA designation is first-of-its-kind, hands-on, how-to training. To earn the CPIA designation candidates are required to participate in a series of three, one-day seminars THE BEST PART IS NO EXAMS!
Completion is due three years from the first course.

These seminars are designed to enhance the ability of producers, sales support staff, and company personnel to efficiently create and distribute effective insurance programs. Participants leave with ideas that will produce sales results immediately.

While not a requirement, it is recommended that courses are taken in order.E&O Discounts apply for Utica National Policy Holders.

Each of the 3 courses are approved for 7 CE in
AZ | CA | ID | MT | NM | NV | OR | WA

Course Modules

CPIA 1
Position for Success

CPIA 2
Implement for Success

CPIA 3
Sustain Success

During this workshop, participants focus on internal and external factors affecting
the creation of effective business development goals.

Factors discussed include:

current state of the insurance                 marketplace

competitive pressures

insurance carrier underwriting criteria

consumer expectations.

During this workshop, participants learn:

specific tools for analyzing consumer needs

how to utilize risk identification techniques to gather pertinent prospect
information

skills necessary to assimilate information gathered into customized coverage recommendations

how to prepare a complete submission

tips for preparing and presenting a comprehensive insurance proposal

This workshop focuses on fulfilling the implied promises contained in the insuring agreement.

Participants will:

review methods of providing evidence of insurance coverage

discuss policies and procedures for controlling errors and omissions including policy review and delivery, endorsements, claims-processing, and handling of client complaints

learn how to calculate the lifetime value of a client and techniques for generating referrals.

CPIA Update Requirement

The Certified Professional Insurance Agent designation stands for professionalism, commitment to professional training and results, and technical knowledge. To maintain the right
to use the CPIA designation, designees must complete an update on an annual basis * or maintain a Ruby, Sapphire or Diamond level membership with the CPIA Program.

* CPIA 1, CPIA 2, CPIA 3, Special Topics:

An Agent’s Guide to Understanding and Mitigating Cyber Exposures

Disaster and Continuity Planning for Business and Families

An E&O Loss Control Program for Agencies

California — Commissioner Lara orders protections for more than 15,000: Helping consumers continue their recovery from wildfires, Insurance Commissioner Ricardo Lara ordered insurance companies to preserve residential insurance coverage for more than 15,000 policyholders affected by fires in Del Norte County and Siskiyou County after Governor Gavin Newsom issued emergency declarations on August 29, 2023. The Commissioner’s Bulletin shields those living within the perimeters or adjoining ZIP Codes of the Smith River Complex fire and the Happy Camp Complex fire from insurance non-renewal or cancellation for one year from the date of the Governor’s August 29 emergency declaration regardless of whether they suffered a loss.

“Consumers affected by these recent wildfires need to have peace of mind that they have time to assess, rebuild, and recover, and not have the added pressure of worrying about their insurance. My number one priority is to protect California consumers,” said Commissioner Lara. “My moratorium Order is just one of the many ways that I am taking action to provide relief to homeowners while I continue to work with stakeholders and climate experts to address the root causes of these ever-intensifying natural disasters in order to prevent even greater losses.”

The Commissioner’s ability to issue moratoriums is a result of a California law he authored in 2018 while serving as state senator in order to provide temporary relief from insurance non-renewals and cancellations to residents living within or adjacent to a gubernatorial-declared wildfire disaster.

Since 2019, Commissioner Lara’s actions have protected nearly 4 million homeowners. Today’s order protects over 15,000 policyholders for one year, effective August 29, 2023. Consumers who were non-renewed prior to the emergency declaration date and are unable to obtain insurance or are dissatisfied with their current coverage should contact the California Department of Insurance for assistance in shopping for insurance.

Consumers can go to the Department of Insurance website to see if their ZIP Code is included in the moratorium. Consumers should contact the Department of Insurance at 800-927-4357 or via chat or email at insurance.ca.gov if they believe their insurance company is in violation of this law, or have additional claims-related questions.

Commissioner Lara’s actions since taking office in 2019 include:

Announced “Safer from Wildfires,” a new insurance framework that incorporates wildfire safety measures to help save lives while making homes and businesses more resilient.

Safer from Wildfires was created by a first-ever partnership between the Department of Insurance and the emergency and preparedness agencies in Governor Newsom’s Administration, including CAL FIRE, the Governor’s Office of Emergency Services (CalOES), the Governor’s Office of Planning and Research, and the California Public Utilities Commission.

Finalized new regulations to incorporate Safer from Wildfires in insurance pricing, driving down costs for consumers who have taken actions to protect their communities while increasing transparency about their home’s or business’s “wildfire risk score.”

Sponsored new insurance protections signed into law by Governor Newsom — despite opposition from insurance companies — that will mean larger payouts for some claims, less red tape from insurance companies, and more help for people under evacuation orders.

Ordered the FAIR Plan, the state’s insurer of last resort, to offer a more comprehensive homeowners policy as an option, which a judge upheld, as well as expanding residential and commercial coverage limits for the first time in 25 years to keep pace with increased costs.

Following Governor Newsom’s state of emergency declarations, the Department of Insurance partners with CAL FIRE and CalOES, pursuant to existing statute, to identify wildfire perimeters for mandatory moratorium areas. The Department of Insurance will continue to collaborate with CAL FIRE and CalOES to identify additional wildfire perimeters for any fires where there is a gubernatorial declaration of a state of emergency.

Washington — Essential Health Benefit (EHB) public meeting series: Health Management Associates’ Wakely Consulting Group is the actuarial firm assisting OIC with the EHB update project.  We have scheduled a public meeting on October 20, 2023 from 3-4:30pm.  At the meeting, the Wakely team will present their generosity test results and preliminary benefit pricing results.

The meeting will be virtual.  Please register for the meeting — https://wa-oic.zoom.us/meeting/register/tZIuf-mqrzwvE9wEwrmHhvlHE4pFBHg9U0td?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=#/registration

— Average rate increase of 8.9% approved for 2024 individual health insurance market

Contact Public Affairs: 360-725-7055

Fourteen health insurers have been approved to sell in Washington’s 2024 individual health insurance market.  Insurers requested an average increase of 9.11% but 8.94% was approved. How much premium someone pays will depend on the plan they select, the number of people covered, their age, whether or not they smoke and where they live.

“I’m relieved to see that our competitive health insurance market is continuing and that people in every county will have choices,” said Insurance Commissioner Mike Kreidler. “But I’m deeply concerned at what these increases mean for individuals and their families. We need to do the hard work of getting at the underlying costs of health care. We know that several factors drive health care cost increases, including getting the timely care we need and the prices hospitals and health care providers are paid to deliver that care.  The Legislature considered several bills earlier this year that would strengthen competition in the health care industry and target increasing health care costs. To help move those bills, we’ll be delivering a report in December that will highlight what the business of health care looks like in Washington state and offer additional policy options.” 

As of July 2023, an estimated 220,059 were enrolled in the individual health insurance market. Approximately 192,085 people bought their coverage through the Exchange and more than 75% of them received some financial help to pay their monthly premium. The individual market is designed for people who do not get employer-sponsored health insurance. 

Premium changes are driven by increased utilization, including pent-up demand for elective surgeries, prescription drug costs and changes to what payments the insurers either owed or received under the Affordable Care Act’s risk adjustment program.  This program stabilizes the market by spreading the financial risk across all insurers. It requires federally collected funds be redistributed from plans with lower-risk enrollees to plans with higher-risk enrollees. Kreidler’s office reviews the proposed rates for each plan to see if they’re justified in relation to the benefits they’re providing. If the proposed rate changes can be actuarially justified, his office is required by law to approve them.

Burnout — People in 3 PIA Western Alliance States are the Most Burned Out in the Country

The addiction specialists, The Diamond Rehab did an analysis of Google data related to burn out. It scoured Google data for phrases and questions about work-related burnout. The term used most in employee searches is “depersonalization.” The most burned out state — according to Diamond Rehab’s research — is Massachusetts. In the last year, the …

Burnout — People in 3 PIA Western Alliance States are the Most Burned Out in the Country Read More »

A Nice Surprise — Washington’s Kreidler Says Thank You Insurance

The insurance industry and Washington Insurance Commissioner Mike Kreidler usually aren’t on speaking terms. Neither side really has much nice to say about the other. A couple of wildfires in Eastern Washington jn late August got the commissioner to say kind things about the agents and company personnel who responded to those who lost homes …

A Nice Surprise — Washington’s Kreidler Says Thank You Insurance Read More »

Wildfire Risk in California — PG&E Consumers May have to Pay More

Pacific Gas & Electric is one of the largest utilities in the country. It services over 16 million people over 70,000 square miles in central and Northern California. The company is also responsible for a lot of wildfire destruction in the Golden State. This all comes into play because PG&E has requested a 26% rate …

Wildfire Risk in California — PG&E Consumers May have to Pay More Read More »

Update — California’s Homeowners Insurance Crisis

With major insurance companies — State Farm, Allstate, Farmers, etc. — leaving the homeowners market in California, some members  of the California Legislature had plans in the just ended session to help solve the crisis. Lots of talk. No action on a bill that will lead to a resolution. Insurance groups like the American Property …

Update — California’s Homeowners Insurance Crisis Read More »

Commercial Lines Prices Keep Going Up and Up

Willis Towers Watson’s (WTW) Commercial Lines Insurance Pricing Survey (CLIPS) survey is out for the second quarter of this year. To no one’s surprise, commercial lines prices continue to go up. Yi Jing is WTW’s director of insurance consulting and technology. Jing said average prices jumped 6.1% over the second quarter of 2022. “Rates continued …

Commercial Lines Prices Keep Going Up and Up Read More »

The PIA Washington-IIABW Joint Conference — Look Who’s Coming

Though you can register up until — and even at — the event, the PIA Washington-Independent Insurance Agents & Brokers of Washington (IIABW) annual joint conference is September 26-29 in Spokane, Washington at the luxurious Davenport Grand Hotel. Since 2011, the Washington Joint Conference has brought together the best the industry has to offer in …

The PIA Washington-IIABW Joint Conference — Look Who’s Coming Read More »