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Established over 55 years ago, Professional Insurance Associates, Inc. (PIA) has grown into one of the largest privately owned insurance agencies in the United States. Ranked as the 8th largest in California and 39th nationwide in 2016, PIA continues to offer independent insurance agents and brokers a powerful platform to expand their business through its Affiliate Advantage Program. Overview of the Affiliate Advantage Program PIA’s Affiliate Advantage Program is designed specifically for independent agents and brokers who want to access more markets, increase commissions, and maintain full control of their book of business. With access to over 100 markets for both Personal and Commercial lines, affiliates can write a wide variety of business without needing direct carrier appointments or having to meet minimum premium thresholds with each market. Ideal Accounts and Appetite This program is ideal for independent agencies and producers who: Want to grow their book without the burden of managing multiple carrier appointments Are looking to enhance their product offerings across both personal and commercial lines Need access to standard and specialty markets not readily available to them directly Prefer to retain 100% ownership of their policies and broker fees Whether you’re working with small businesses in need of commercial liability coverage or personal lines clients with home, auto, or umbrella needs, PIA’s wide market access makes it easier to find a fit. Coverage Highlights and Program Advantages Access to over 100 Personal and Commercial lines markets Competitive commission structure (up to 85–90% paid to the affiliate) Affiliates retain 100% ownership of their policies 100% of broker fees remain with the affiliate (when applicable) No minimum premium requirements per carrier Direct access to many carriers—no middlemen Profit sharing opportunities based on overall performance Comprehensive affiliate website for account management and quoting Dedicated Commercial Lines experts and support team Full-time Business Development Manager for in-office training and support Additional support includes training in advanced sales techniques, retention strategies, cross-selling, marketing, and organic growth strategies—all tailored to help your agency thrive. Underwriting Notes and Minimum Premiums There are no minimum production requirements with individual carriers, making this program especially attractive for small or growing agencies. While minimum premiums may vary by carrier and product, the flexibility offered through the aggregator model gives affiliates the ability to pursue a wide range of accounts without restrictive thresholds. Territories and Availability The Affiliate Advantage Program is currently available in California, Nevada, and Washington. Additional states may be added in the future, so check back regularly for updates. Why Work With Professional Insurance Associates PIA’s focus on agent success and its strong carrier relationships make it a standout partner for independent agencies. Whether you're a solo producer or an established agency looking to diversify your markets, PIA offers the infrastructure, support, and market access to help you grow—without sacrificing your independence or earnings. Their team-oriented approach ensures that you’re never alone in building your book. To learn more about how the Affiliate Advantage Program can support your agency’s goals, visit our program page or contact our Business Development Manager directly. Frequently Asked Questions What types of accounts are a good fit for the Affiliate Advantage Program?This program is suitable for both personal and commercial lines accounts, including small businesses, homeowners, auto, and specialty risks that require access to a broad range of markets. Do I need to have direct appointments with carriers to use this program?No. PIA provides access to over 100 carriers without requiring direct appointments or minimum production requirements per carrier. Will I retain ownership of the policies I write through PIA?Yes. As an affiliate, you maintain 100% ownership of all policies placed through the program. Is there a cost to join the Affiliate Advantage Program?There are no ongoing monthly fees once a minimum performance goal is met. Contact PIA for more details on start-up requirements. What kind of support will I receive as an affiliate?You’ll have access to a full-time Business Development Manager, commercial lines experts, sales training, marketing support, and a comprehensive affiliate portal. Need help placing an account? Connect with a market specialist.

Established over 55 years ago, Professional Insurance Associates, Inc. (PIA) has grown into one of the largest privately owned insurance agencies in the United States. Ranked as the 8th largest in California and 39th nationwide in 2016, PIA continues to offer independent insurance agents and brokers a powerful platform to expand their business through its Affiliate Advantage Program. Overview of the Affiliate Advantage Program PIA’s Affiliate Advantage Program is designed specifically for independent agents and brokers who want to access more markets, increase commissions, and maintain full control of their book of business. With access to over 100 markets for both Personal and Commercial lines, affiliates can write a wide variety of business without needing direct carrier appointments or having to meet minimum premium thresholds with each market. Ideal Accounts and Appetite This program is ideal for independent agencies and producers who: Want to grow their book without the burden of managing multiple carrier appointments Are looking to enhance their product offerings across both personal and commercial lines Need access to standard and specialty markets not readily available to them directly Prefer to retain 100% ownership of their policies and broker fees Whether you’re working with small businesses in need of commercial liability coverage or personal lines clients with home, auto, or umbrella needs, PIA’s wide market access makes it easier to find a fit. Coverage Highlights and Program Advantages Access to over 100 Personal and Commercial lines markets Competitive commission structure (up to 85–90% paid to the affiliate) Affiliates retain 100% ownership of their policies 100% of broker fees remain with the affiliate (when applicable) No minimum premium requirements per carrier Direct access to many carriers—no middlemen Profit sharing opportunities based on overall performance Comprehensive affiliate website for account management and quoting Dedicated Commercial Lines experts and support team Full-time Business Development Manager for in-office training and support Additional support includes training in advanced sales techniques, retention strategies, cross-selling, marketing, and organic growth strategies—all tailored to help your agency thrive. Underwriting Notes and Minimum Premiums There are no minimum production requirements with individual carriers, making this program especially attractive for small or growing agencies. While minimum premiums may vary by carrier and product, the flexibility offered through the aggregator model gives affiliates the ability to pursue a wide range of accounts without restrictive thresholds. Territories and Availability The Affiliate Advantage Program is currently available in California, Nevada, and Washington. Additional states may be added in the future, so check back regularly for updates. Why Work With Professional Insurance Associates PIA’s focus on agent success and its strong carrier relationships make it a standout partner for independent agencies. Whether you're a solo producer or an established agency looking to diversify your markets, PIA offers the infrastructure, support, and market access to help you grow—without sacrificing your independence or earnings. Their team-oriented approach ensures that you’re never alone in building your book. To learn more about how the Affiliate Advantage Program can support your agency’s goals, visit our program page or contact our Business Development Manager directly. Frequently Asked Questions What types of accounts are a good fit for the Affiliate Advantage Program?This program is suitable for both personal and commercial lines accounts, including small businesses, homeowners, auto, and specialty risks that require access to a broad range of markets. Do I need to have direct appointments with carriers to use this program?No. PIA provides access to over 100 carriers without requiring direct appointments or minimum production requirements per carrier. Will I retain ownership of the policies I write through PIA?Yes. As an affiliate, you maintain 100% ownership of all policies placed through the program. Is there a cost to join the Affiliate Advantage Program?There are no ongoing monthly fees once a minimum performance goal is met. Contact PIA for more details on start-up requirements. What kind of support will I receive as an affiliate?You’ll have access to a full-time Business Development Manager, commercial lines experts, sales training, marketing support, and a comprehensive affiliate portal. Need help placing an account? Connect with a market specialist.

At Calsurance we are specialized in Insurance Agent Errors and Omissions Insurance. We have over 30 years of working with both Property & Casualty and Life & Health. We will strive to find the proper program to fit all your business needs. Insurance Agent Errors and Omissions possible coverage includes: • Professional Liability • Personal injury • False Arrest • Invasion of Privacy • Slander • Defamation • Malicious Prosecution Should a claim arise CalSurance offers the coverage to help reduce your costs. Although, most dedicated agents are thorough, they are still susceptible to a claim arising out of an Error and Omission. For more information on out Insurance Agent Errors and Omissions Insurance contact us today!

Accounting firm insurance can help protect against the ever increasing liability claims and significant attorney fees that are a result of the broad option of services required by third parties and clients. The associates at CalSurance will provide you with unique solutions for Accounting firms based on our proven experience. Coverage can protect against: • Losses due to negligent acts • Errors and Omissions committed in the scope of your professional services Products that we can place for our Accounting Firm Insurance include: • Limits up to $5 million (excess limits available if needed) • Coverage for the firm, its advisors and other employees • Comprehensive definition of professional services • products from A rated carriers • Combination policies including professional and fiduciary liability • Options for employment practices liability • Coverage for punitive damages (where allowed by law) • Fidelity bonds • Spousal Coverage For more information on out Accounting Firm Insurance contact us today!

Business Insurance for Life Agents Get critical coverages no business should be without. CalSurance Associates Business Insurance Coverages include: BUSINESS OWNERS POLICY (“BOP”) - Combines a comprehensive General Liability and Property coverage in one simple policy. Now you can defend your business from financial loss and unforeseen disasters with core protection from a company you can trust. WORKERS' COMPENSATION POLICY - Provides coverage to employers for benefits to employees for work related injuries or illnesses that cover medical expenses, lost wages, disability and benefits for families in the event of a fatality. COMMERCIAL AUTO POLICY - One of the most important aspects of your business. Some of the largest losses businesses suffer are a result of auto accidents. If you have salespeople working for you on the road, or have employees using your business autos (or their own) to conduct business for you, your company is at risk. UMBRELLA POLICY - Protects you from catastrophic losses. Although your business liability policies are designed to protect you from the majority of risks your business might face, they are not intended to cover catastrophic losses – some of which are unfortunately too common. Losses from a serious accident could exceed your business insurance limits and start to eat into your business assets. Learn more, speak with a specialist, and get a free, no obligation quote at: www.calsurance.com/businsurance

CalSurance offers coverage to Financial Institutions with the strive to help them against the higher frequency of lawsuits and investigative action. This action is being brought on by regulators, creditors, employees, and customers. The cost of the defense on these actions alone can be very great and devastating to a financial institution. Financial Institution Directors and Officers Insurance is designed specifically to protect against actions such as: • Lack of fiduciary oversight • Non-compliance with government regulations • Mismanagement • Employment Practices litigation (such as wrongful termination and harassment) For more information on our Financial Institution Directors and Officers Insurance contact us today!

Information and Security Breach (Data Breach) Coverage helps mitigate the financial impact of costs associated with a data breach. A data breach is an incident in which sensitive, protected or confidential data has potentially been viewed, stolen or used by an individual unauthorized to do so. Data breaches can be as dramatic as a hacker accessing your network or as simple as an individual viewing a client’s information on a computer screen over your shoulder or in a written application in your hand. Why does your business need data breach coverage? When a data breach occurs, you must react quickly to protect your sensitive client information from further exposure and to protect your own business reputation. The cost associated with recovering from a data breach can average up to $200,000. This includes response costs for notifying clients their information may have been compromised, forensics required to determine the size and scope of the breach, and attorney fees to review the breach and possible claim. More importantly, the cost of recovering from a data breach is not necessarily dependent upon business size, leaving individuals and small businesses with less financial backing more vulnerable and exposed. CalSurance offers a data breach insurance program to protect insurance agents and financial professionals from the harmful effects and costs associated with a data breach. CalSurance data breach coverage has the unique added benefit of providing you with expert counsel so you don’t have to navigate the data breach recovery process alone. In today’s technologically savvy society, protecting yourself against a data breach is as necessary as locking the front door, perhaps even more important. Don’t let someone walk through your front door; arm yourself with a data breach insurance policy. Visit us at www.calsurance.com/databreach

...igned Exclusively for Community Associations With more than 42,000 community associations as clients, Ian H. Graham (IHG)—a...definition of insured includes the association, its board members (past, prese...