Errors & Omissions
E&O insurance is vital to your agency. AIIA endorses Westport. Offering the broadest coverages on the market, including punitive damages and expert witnesses, Westport has been the nationally endorsed E&O carrier for many years. In addition, the newest policy, The Pinnacle Series, added enhanced coverages to the already broad policy. Be sure to get a quote from us before you make the very important E&O decision. There's a reason that we write 75% of our members and that's because we have market stability and the most comprehensive policy for the best price. Plus, A.M. Best gives Westport an A++ rating; Standard & Poor is AAA.

Premium Financing
AIIA owns a premium financing company called Independent Finance Company. Independent Finance is an extremely competitive finance company with flexible rate schedules that allow you to recieve dividends as part of program. Yes, that's right; you can create your own profit center around financing your clients. Finance agreements are generated on your agency's computers and money is wire transferred into your agency account. There are no sign up fees, nor any software costs. What could possibly be easier? In addition, financing is offered for commercial equipment, hardware & software, accounts recievables, commercial real estate and pay referral fees for these transactions. For more information on this program, contact Danny Geoffrion at the AIIA office at (205) 326-4129.

Market Access
Need market access for personal lines? If so, definately consider the Eagle Agency. The Eagle Agency is a Managing General Agency (MGA) created exclusively for IIAA members. It is offered by IIAA through Travelers and Chubb and administered by IIAA's Agency Administrative Services (AAS) to provide members easy access to competitive personal lines insurance products. These markets include an Automobile, Homeowners, Homeowners Condominium Policy and Renters Insurance Coverage. The Eagle Agency program offers commissions along with profit sharing, immediate market access regardless of current volume and ownership of expirations.

Need Commercial Lines? Through AgentSecure.com, you can access commercial providers like Zurich, The Hartford, SAFECO, AIG, Kemper, CNA and the St. Paul Group through this one-stop web site. Exclusively for AIIA and IIAA members, this Internet-based company is the poster child for convenience in insurance. All you need to do is go to www.agentsecure.com to sign up and begin transmitting business. You can access multiple carriers simultaneously. Competitive commisions and rapid response time make this a terrific program for insuring today's commercial market.

Work Comp Market 
Need a work comp market for your accounts under $15,000 in premium? Look to Small Business Underwriters (SBU), the association's endorsed Work Comp carrier. This market is available to all members and the rates are extremely competitive, not to mention great commission levels($10,000 - $15,000 in premium = 9%; $9,999 - $5,000 in premium = 8%; $4,999 - $1 in premium = 7%). SBU policies are written on Legions Insurance Company paper, an A rated and admitted carrier. To sign up for this market, please call Dave Coley with SBU at (800) 323-5161.

IIAA's National Programs 
Through IIAA you have the ability to participate in Dental plans, 401K, Term Life Insurance, Long and Short Term Disability Plans.

Other Markets 
We also have endorsed markets for: EPL Policies, Professional Liability Umbrellas, Umbrellas for Watercraft and Young Drivers, Electronic E&O.

Other Services 
We endorse the following services for your agency: Rackley Rating System, Omnia Profiles, Caliper Testing, Office Depot Discounts, Deltacom Long Distance

Magazine & Newsletters 
As a member you will automatically recieve our quarterly magazine The Alabama Independent and our biweekly newsletter, NEWSLINE. Both of these publications are designed to keep you up to date with what's happening in the industry and with your fellow AIIA members.

For more information about any of these Menber Benefits, please do not hesitate to call Alison Ray at the AIIA office at (205) 326-4129 or email at aray@aiia.org.