PLRB is dedicated to delivering the finest professional education to front-line adjusters, supervisors, and managers at the PLRB/LIRB Regional Adjusters Conferences.

Every year, insurance claim professionals from across the region are drawn to the high-quality, interactive educational sessions covering property, liability, and general interest topics. This is your chance to enhance core training, broaden your knowledge of critical claims issues, and network with nearly 100 service providers exhibiting the Insurance Services Expo.

Stay “on top of your game” by attending this regional conference where you’ll get access to valuable information from top claim industry experts and service providers!

PLRB/LIRB greatly appreciates the following claims service providers for their outstanding support for the 2009 Eastern Regional Adjusters Conference and Expo.

Platinum Sponsors

Gold Sponsors

Sessions | Hotel | Continuing Education | Exhibits/Sponsorships | Registration | Other Meetings
Conference At-A-Glance
June 24, 2009 Wednesday
7:00 a.m. - 5:00 p.m. Registration
7:15 a.m. - 8:00 a.m. Continental Breakfast
8:00 a.m. - 8:50 a.m. General Session
9:00 a.m. - 10:30 a.m. Breakout Sessions I
* Accident Reconstruction  CPCU  FL  NC  NH  RPA  TX
* Adjusting Small Retail Business Interruption Losses  CPCU  FL  NC  NH  RPA  TX
* Advanced Property Claims Negotiation Strategies  CPCU  FL  NC  NH  RPA  TX
* Claim Management Challenges in the 21st Century  CPCU  FL  NC  NH  RPA  TX
* Estimating HVAC Claims  CPCU  FL  NC  NH  RPA  TX
* Intellectual Property Claims Defense  CPCU  FL  NC  NH  RPA  TX
* Soft Tissue Injury Cases  CPCU  FL  NC  NH  RPA  TX
10:45 a.m. - 12:15 p.m. Breakout Sessions II
* Appraisal, Mediation, and Arbitration Options/Strategies  CPCU  FL  NC  NH  RPA  TX
* Are Eight Corners Enough?  CPCU  FL  NC  NH  RPA  TX
* Auto Fraud Investigations: Use of Forensic Evidence  CPCU  FL  NC  NH  RPA  TX
* Ethics for Adjusters  CPCU  FL  NC  NH  RPA  TX
* Green Building Adjustments and Challenges  CPCU  FL  NC  NH  RPA  TX
* National Flood: Coverage and Adjustments  CPCU  FL  NC  NH  RPA  TX
* Products Liability Claims in Property Damage Losses: Understanding the Language  CPCU  FL  NC  NH  RPA  TX
12:15 p.m. - 6:30 p.m. Insurance Services Expo
12:15 p.m. - 1:30 p.m. Complimentary Lunch with Exhibitors
1:30 p.m. - 3:00 p.m. Breakout Sessions III
* Bad Faith in Liability Insurance  CPCU  FL  NC  NH  RPA  TX
* Criminal Acts, Terrorism & Liability Claims  CPCU  FL  NC  NH  RPA  TX
* Emerging Issues in Construction Defect Cases  CPCU  FL  NC  NH  RPA  TX
* Insurable Interest and Betterments and Improvements Challenges  CPCU  FL  NC  NH  RPA  TX
* Mortgage Issues with Property Claims  CPCU  FL  NC  NH  RPA  TX
* Origin and Cause: Recent Trends in Successful Investigations  CPCU  FL  NC  NH  RPA  TX
* PLRB/LIRB Web-based Services  CPCU  FL  RPA
3:30 p.m. - 5:00 p.m. Breakout Sessions IV
* Progressive Losses in Property Claims  CPCU  FL  NC  NH  RPA  TX
* Residential Roofing Issues  CPCU  FL  NC  NH  RPA  TX
* Specialized Contents Claims Handling: Jewelry and Fine Arts Claims  CPCU  FL  NC  NH  RPA  TX
* Terminating the Duty to Defend: Tactical Issues  CPCU  FL  NC  NH  RPA  TX
* Water Damage Claims: Investigation and Mitigation Activity  CPCU  FL  NC  NH  RPA  TX
* When Is Independent Counsel Needed?  CPCU  FL  NC  NH  RPA  TX
* Working Effectively with Experts, Legal Counsel, and Independent Adjusters  CPCU  FL  NC  NH  RPA  TX
5:00 p.m. - 6:30 p.m. Reception with Exhibitors
June 25, 2009 Thursday
7:00 a.m. - 4:00 p.m. Registration
7:15 a.m. - 8:00 a.m. Continental Breakfast
8:00 a.m. - 9:30 a.m. Breakout Sessions V
* Bad Faith in Liability Insurance  CPCU  FL  NC  NH  RPA  TX
* Criminal Acts, Terrorism & Liability Claims  CPCU  FL  NC  NH  RPA  TX
* Emerging Issues in Construction Defect Cases  CPCU  FL  NC  NH  RPA  TX
* Insurable Interest and Betterments and Improvements Challenges  CPCU  FL  NC  NH  RPA  TX
* Mortgage Issues with Property Claims  CPCU  FL  NC  NH  RPA  TX
* Origin and Cause: Recent Trends in Successful Investigations  CPCU  FL  NC  NH  RPA  TX
* Working Effectively with Experts, Legal Counsel, and Independent Adjusters  CPCU  FL  NC  NH  RPA  TX
9:30 a.m. - 1:00 p.m. Insurance Services Expo
10:00 a.m. - 11:30 a.m. Breakout Sessions VI
* Intellectual Property Claims Defense  CPCU  FL  NC  NH  RPA  TX
* PLRB/LIRB Web-based Services  CPCU  FL  RPA
* Progressive Losses in Property Claims  CPCU  FL  NC  NH  RPA  TX
* Residential Roofing Issues  CPCU  FL  NC  NH  RPA  TX
* Specialized Contents Claims Handling: Jewelry and Fine Arts Claims  CPCU  FL  NC  NH  RPA  TX
* Water Damage Claims: Investigation and Mitigation Activity  CPCU  FL  NC  NH  RPA  TX
* When Is Independent Counsel Needed?  CPCU  FL  NC  NH  RPA  TX
11:30 a.m. - 12:45 p.m. Complimentary Lunch with Exhibitors
1:00 p.m. - 2:30 p.m. Breakout Sessions VII
* Accident Reconstruction  CPCU  FL  NC  NH  RPA  TX
* Adjusting Small Retail Business Interruption Losses  CPCU  FL  NC  NH  RPA  TX
* Advanced Property Claims Negotiation Strategies  CPCU  FL  NC  NH  RPA  TX
* Claim Management Challenges in the 21st Century  CPCU  FL  NC  NH  RPA  TX
* Estimating HVAC Claims  CPCU  FL  NC  NH  RPA  TX
* Soft Tissue Injury Cases  CPCU  FL  NC  NH  RPA  TX
* Terminating the Duty to Defend: Tactical Issues  CPCU  FL  NC  NH  RPA  TX
2:45 p.m. - 4:15 p.m. Breakout Sessions VIII
* Appraisal, Mediation, and Arbitration Options/Strategies  CPCU  FL  NC  NH  RPA  TX
* Are Eight Corners Enough?  CPCU  FL  NC  NH  RPA  TX
* Auto Fraud Investigations: Use of Forensic Evidence  CPCU  FL  NC  NH  RPA  TX
* Ethics for Adjusters  CPCU  FL  NC  NH  RPA  TX
* Green Building Adjustments and Challenges  CPCU  FL  NC  NH  RPA  TX
* National Flood: Coverage and Adjustments  CPCU  FL  NC  NH  RPA  TX
* Products Liability Claims in Property Damage Losses: Understanding the Language  CPCU  FL  NC  NH  RPA  TX
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Session Topics
Casualty Claims
Accident Reconstruction  CPCU  FL  NC  NH  RPA  TX
  Review the data recording capabilities of certain cars and commercial vehicles and the use of such data in the field
  Describe the technology utilized for air brake testing of commercial vehicles and how that test data is used to determine compliance with the Federal Motor Carrier Safety Regulation
  Recognize the litigation advantages of developing an accident reconstruction case using the most current technology
Are Eight Corners Enough?  CPCU  FL  NC  NH  RPA  TX
  Analyze courts' increasing interest in the issues raised in determining the duty to defend from pleading allegations and the effects of extrinsic facts
  Describe the general rules applicable to determining the duty to defend
  Identify how allegations are insufficient or problematic in liability claims when analyzing the duty to defend
  Explore how to handle problematic allegations
Auto Fraud Investigations: Use of Forensic Evidence  CPCU  FL  NC  NH  RPA  TX
  Identify the types of fraud that are prevalent in the auto insurance industry
  Review traditional forensic approaches to the investigation of auto claims
  Evaluate the structure of data streams and data bases as tools to detect auto fraud
  Measure the benefits of forensic intelligence solutions in the fight against auto fraud
Bad Faith in Liability Insurance  CPCU  FL  NC  NH  RPA  TX
  Identify warning signs of bad-faith exposure in third-party contexts and develop a responsive action plan, evaluating and responding to settlement offers within policy limits
  Develop an action plan to respond to and contain punitive damages claims in the third-party bad-faith context
  Describe special circumstances presented by non-covered claims and claims with multiple claimants
  Review emerging bad-faith issues and trends in the third-party liability claims context, including discovery issues and bifurcation
Criminal Acts, Terrorism & Liability Claims  CPCU  FL  NC  NH  RPA  TX
  Identify who is potentially liable for criminal acts, including terrorism
  Review the theories of liability against typical target defendants
  Evaluate defenses available to the target defendants
  Describe the unique challenges/exposures with litigation arising out of criminal acts
Emerging Issues in Construction Defect Cases  CPCU  FL  NC  NH  RPA  TX
  Describe legal arguments commonly used by both sides to faulty construction coverage disputes
  Analyze relevant CGL policy language in light of recent case law interpreting key policy provisions
  Compare and contrast outcomes of court decisions across jurisdictions to identify trends and weigh strengths and weaknesses of various coverage positions
  Discuss alternative sources of coverage
Intellectual Property Claims Defense  CPCU  FL  NC  NH  RPA  TX
  Describe the unique nature of intellectual property claims that impact defense strategies
  Determine when the policy requires a defense obligation and when to seek help from coverage counsel
  Partner effectively with intellectual property counsel to improve outcomes
  Identify good faith practices and strategies when defending or indemnifying insureds with intellectual property claims
Products Liability Claims in Property Damage Losses: Understanding the Language  CPCU  FL  NC  NH  RPA  TX
  Review theories of liability (warranty, negligence and strict liability) for purposes of defense and subrogation
  Identify product defects, potential defendants, and their defenses
  Describe how the engineer/expert witness can help in the products case
  Create a tips checklist for investigating product cases
  Evaluate recent court rulings affecting products litigation (Daubert & Kumho Tire)
Soft Tissue Injury Cases  CPCU  FL  NC  NH  RPA  TX
  Describe common issues in complex soft tissue injury cases, including long-term treatment and over-treatment, chronic pain, and other subjective complaints
  Review less common medical conditions which present difficulties in soft tissue injury cases
  Examine long-term chiropractic care; how do we defend against claims of necessity of chiropractic care which may continue for years?
  Evaluate potential experts in complex soft tissue injury cases, including medical experts, engineers, reconstructionists, and human factor experts
Terminating the Duty to Defend: Tactical Issues  CPCU  FL  NC  NH  RPA  TX
  Identify coverage and/or liability developments that justify an insurer's termination of a defense
  Determine when and how an insurer's duty to defend may be terminated and describe appropriate methods to end it
  Identify bad faith risks an insurer faces when it terminates defense vs. denying coverage from the claim outset
  Describe the circumstances under which an insurer can withdraw from a defense or extinguish its duty by tendering policy limits
When Is Independent Counsel Needed?  CPCU  FL  NC  NH  RPA  TX
  Describe the test for appointment of independent counsel
  Recognize the role of a reservation of rights in the appointment of independent counsel
  Identify the types of conflicts which give rise to the duty to appoint independent counsel
  Identify the costs of the appointment of independent counsel
General Interest
Claim Management Challenges in the 21st Century  CPCU  FL  NC  NH  RPA  TX
  How to motivate your staff to produce optimum results
  Train and develop staff technically to achieve stronger results
  Identify effective time management tips for success
  Serving as a bridge or link between the front lines and senior management
  Avoiding "burn-out"- keeping everyone healthy and positive
Ethics for Adjusters  CPCU  FL  NC  NH  RPA  TX
  Review ethical standards for fair and honest dealings by adjusters
  Contrast adjusters' contractual and ethical obligation with insureds
  Evaluate scenarios of good and bad ethical practices by adjusters
  Review ethical standards for claims professionals when pursuing subrogation
PLRB/LIRB Web-based Services  CPCU  FL  RPA
  Maximize proficiency with PLRB/LIRB web-based services, including Search, Catastrophes, Distance Learning, and the Service Provider Directory
  Conduct accurate database research using PLRB Search tools
Working Effectively with Experts, Legal Counsel, and Independent Adjusters  CPCU  FL  NC  NH  RPA  TX
  Set up a system to identify and effectively work with a variety of claims experts
  Identify the types and qualifications needed by your various experts
  Explore cost effective ways to ensure quality legal work when using outside counsel
  Review challenges and strategies for successfully engaging independent adjusters to assist your claim operation
Property Claims
Adjusting Small Retail Business Interruption Losses  CPCU  FL  NC  NH  RPA  TX
  Evaluate business interruption coverage for small retail insureds
  Solicit appropriate financial documentation to fairly evaluate a loss
  Calculate the loss, using the PLRB Worksheet
  "Selling" your adjustment to the insured or his/her representative
Advanced Property Claims Negotiation Strategies  CPCU  FL  NC  NH  RPA  TX
  Prepare for various types of negotiations
  Form strategies for negotiating various types of issues
  Practice techniques for dealing with different types of personalities in negotiations
  Describe strategic options for instances when negotiations fail
Appraisal, Mediation, and Arbitration Options/Strategies  CPCU  FL  NC  NH  RPA  TX
  Compare and contrast the differences and similarities in appraisal, mediation, and arbitration
  Explore inherent positives and negatives when invoking the appraisal option
  Identify various styles, stages, and strategies associated with mediation
  Describe various types of arbitration, and file qualities that lead to success or failure
Estimating HVAC Claims  CPCU  FL  NC  NH  RPA  TX
  Identify common HVAC nomenclature with residential and light commercial structures
  Evaluate repair vs. replacement options with HVAC parts and systems
  Write an accurate estimate for several typical loss scenarios
  Evaluate a contractor's estimate for appropriate scope and pricing
Green Building Adjustments and Challenges  CPCU  FL  NC  NH  RPA  TX
  Describe emerging green building features
  Review various green building accreditation programs, including LEED and NAHB programs
  Identify green building trends finding their way to local building losses
  Describe coverage options and challenges with green building losses
  Identify how current building damage estimating software is addressing green building issues and challenges
Insurable Interest and Betterments and Improvements Challenges  CPCU  FL  NC  NH  RPA  TX
  Review the history of insurable interest and its application in property insurance
  Describe the roles mortgagees, lien holders, named insureds, and other insureds sometimes play in these claims
  Properly adjust challenging claim scenarios with betterments and improvements and trade fixtures
Mortgage Issues with Property Claims  CPCU  FL  NC  NH  RPA  TX
  Identify the rights and responsibilities of mortgagees
  Evaluate claim adjustment challenges involved with foreclosure and vacancy
  Develop effective resolution strategies with various mortgage-related claims
  Review the current legal climate as to mortgage foreclosure and vacancy issues
National Flood: Coverage and Adjustments  CPCU  FL  NC  NH  RPA  TX
  Review current coverages and adjustment procedures offered by NFIP policies
  Describe the possible interplay of flood and property coverages and adjustments for typical losses
  Identify non-covered areas of insurance coverage, where neither the property nor flood policies respond
Origin and Cause: Recent Trends in Successful Investigations  CPCU  FL  NC  NH  RPA  TX
  Describe recent developments in Origin and Cause Investigations
  Review latest NFPA 921 changes
  Work effectively with various authorities, including police, fire, ATF, etc activities
  Identify key information sources to assist investigations
Progressive Losses in Property Claims  CPCU  FL  NC  NH  RPA  TX
  Identify which policy must respond to a loss that evolves over several years and policies
  Identify the suit limitation "trigger" for continuing or progressive losses, and the impact of "equitable tolling" on the suit limitation
  Analyze coverage for "new" damages flowing from an earlier manifested cause of a progressive loss
  Review the impact of the "neglect" exclusion on continuing or progressive losses
Residential Roofing Issues  CPCU  FL  NC  NH  RPA  TX
  Address common coverage and investigation issues involving residential roof systems
  Distinguish among roof conditions caused by wind, hail, manufacturing problems, and normal weathering
  Evaluate the benefits of new impact resistant roofing products and materials
  Identify residential roofing losses presenting excellent subrogation potential
Specialized Contents Claims Handling: Jewelry and Fine Arts Claims  CPCU  FL  NC  NH  RPA  TX
  Identify trends and common pitfalls in evaluating and adjusting losses with jewelry and fine arts
  Review quality investigation practices in evaluating jewelry losses
  Identify resources to help evaluate and minimize fine arts losses
Water Damage Claims: Investigation and Mitigation Activity  CPCU  FL  NC  NH  RPA  TX
  Evaluate common homeowners and commercial water damage loss scenarios
  Describe various standards, for water damage mitigation and property stabilization
  Review current equipment and technology employed in water damage claims
  Identify the ways adjusters can positively impact water damage stabilization and recovery efforts
General Session
Communications and Connecting with People
Matt Paknis, President of Matt Paknis Training and Development, Inc, will open the conference at the General Session talking about "Communications and Connecting with People." An internal consultant and training manager for Fortune 50 Financial Services, Matt has also assisted some of the country's leading insurers with their telecommunications demands.
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Hotel Information
The Westin Providence
1 West Exchange Street
Providence, RI 1.800.937.8461
Reservations: 1.800.937.8461

PLRB Discounted Guest Room Rate:
$189 per night single/double occupancy

The hotel guest rooms are at The Westin Providence; the educational sessions and insurance services expo are at The Rhode Island Convention Center.

Identify yourself as being with the Property Loss Research Bureau; The cut-off date to make hotel reservations is Monday, June 1, 2009.

The educational sessions and insurance services expo are at The Rhode Island Convention Center which is connected to the Westin Providence.

Rhode Island Convention Center
One Sabin Street
Providence, RI 02903
401.458.6000


RESERVE YOUR ROOM ONLINE

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Continuing Education
Florida of Department Financial Services has approved the Conference for up to 8 hours of credit. Partial credit is offered for attending fewer sessions. All 90-minute sessions are available for 1 hour of credit -- if you attend eight 90-minute sessions, you would earn 8 hours. In addition, "Ethics for Adjusters" has been approved for 1 hour of ethics credit.

NEW! New Hampshire Insurance Dept.: Four sessions have been approved to date; and fourteen course applications have been sent for review. **

North Carolina Dept. of Insurance has approved the Conference as 2 separate days  6 hours credit per day. To earn credit hours on Wednesday, you must attend the General Session. You can attend any sessions you want, but you must attend a full day of sessions to get credit for the day.

NEW! Texas Dept. of Insurance has approved 27 sessions for 1.5 hours of continuing education credit for adjusters. **

** Approved sessions for Texas and New Hampshire licensed-adjusters are noted within the Session Topics; visit here.

The Illinois MCLE Board has approved the Regional Adjusters Conference for a total of 12.0 General MCLE credits.

The Society of RPA has approved the Conference for up to 13 hours of continuing education. The RPA Attendance Record should be sent directly to the Society of RPA. No fees are payable to PLRB.

CPCUs attending this program will be awarded 12 points under section PD9 for attendance at this program.
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Exhibit/Sponsorship

Opportunities

A limited number of sponsorship and exhibit spaces are available. Plan now to participate in this unique opportunity to promote your company or organization.

  Affiliate Member Rate      Non-Member Rate
Exhibit Booth $1095      $1295
Corner Booths $125 additional each      $125 additional each
Gold Sponsorship $1600      $1900
Extra Booth Staff $175 $250

Floor Plan**
** Note: Sun Java must be loaded on your computer in order to view the floor plan. Visit www.java.com to download and install the Java plug-in for Free.

ALL EXHIBIT SPACES FOR THIS MEETING HAVE BEEN SOLD

Online Exhibitor Application (Non Member)

Online Exhibitor Application (Affiliate Member)

* PLEASE NOTE: In order to use the Affiliate Member link you must work for an Affiliate Member of the PLRB, as well as, have an active PLRB username and password. To check is your company is a PLRB Affiliate Member please visit here. To register for a PLRB username or if you have lost your username and password please visit here.

By using the on-line exhibit application and credit card, your exhibit space location number will be assigned and a receipt will be generated.

Downloadable Exhibitor Application

Exhibit space asssignnment will be assigned when your completed application and check payment is received by the PLRB/LIRB office. At that time, you will be contacted by the PLRB Expo Manager, and your space location will be determined.

 

Downloadable Exhibitor Kit

Exhibit Staff Forms

Lead Retrieval, Computers and AV Services Forms

Exhibitors Directory

Questions? E-mail todowd@plrb.org or call 630-724-2224.

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Registration

Registration fee covers all educational sessions, handout materials, session breaks and reception. Full refunds less a $50 processing charge will be made for cancellations received 30 days prior to the conference. No refunds will be made after that date. Cancellation requests must be submitted in writing to conference@plrb.org. "Substitutions" may be accepted at the discretion of PLRB. "Substitution" means that a co-worker/co-employee of a registrant attends this entire event in place of the registrant. Requests for substitution must be submitted to the PLRB in writing by the registrant.

PLRB/LIRB Member FREE
PLRB Affiliate Member $495
Non-member $645

PLRB or LIRB Member Insurer staff may register HERE at no cost. You must have a valid PLRB or LIRB Internet login to use this link.
Not sure if your company is a PLRB or LIRB member? Click HERE to find out.
Affiliate Members may register HERE to get the Affiliate Member registration fee. You must have a valid PLRB Affiliate login to use this link.
Non-member insurer staff and their service providers may register HERE.

Click HERE if you do not remember your Member or Affiliate Member username and password.

PLRB/LIRB meetings and conferences are open only to those employed by the insurance industry and those who, as their primary business, provide goods and services directly to insurers. Others, such as public adjusters, brokers, and agents, are not invited and may not register nor attend. Any such uninvited person found attending the Conference will be asked to leave and will not receive a refund. Determinations regarding eligibility to attend will be made solely by the PLRB. Under rare circumstances, an exception to this policy may be granted if PLRB determines that an exception is in the best interest of its members. Requests for the granting of an exception to the policy must be submitted to PLRB in writing. Granting of an exception is valid only if in writing. If you have any questions about this attendance policy or determinations made pursuant to this policy, please contact PLRB management in writing as soon as possible.
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Policies

Entertainment Policy

The purpose of the Regional Adjuster Conference is education. The strength, reputation, and national support of the Regional Adjuster Conference are the result of its commitment to hardworking, intense professional development.

The official Regional Adjuster Conference program also provides helpful forums for networking among insurers' claims professionals and claims service providers. Any additional activity sponsored by a claims service provider in conjunction with the Regional Adjuster Conference that undermines or conflicts with the primary educational purpose and reputation of the Regional Adjuster Conference is prohibited.

As example, entertainment during conference and expo hours is a conflict and prohibited. Also, after hours entertaining of fifteen or more conference attendees by any one person, organization, or group that extends past 11:00 p.m. on an evening before morning sessions undermines the educational experience and is prohibited. "Adult themed" entertainment undermines the reputation of the event and is prohibited.

Failure to comply with the policy can result in sanctions, including but not limited to:
- Loss of exhibiting privileges at PLRB/LIRB events
- Loss of speaking privileges at PLRB/LIRB events
- Loss of attendance privileges at PLRB/LIRB events

Antitrust Policy

The Property Loss Research Bureau and the Liability Insurance Research Bureau intend to prevent any violation of antitrust laws at all their meetings and conferences.

Presenters and attendees at the Claims Conference must remember that their respective firms are competitors in the marketplace and that the McCarran-Ferguson Act and the laws of some states provide the insurance industry with only very limited immunity from federal and state antitrust scrutiny. Therefore, presenters and attendees must exercise care during all presentations and discussions, since even innocuous discussions of certain topics might later be misinterpreted as evidence of collusion.

At the Claims Conference, and all educational, social, and business development events connected with this meeting, there should be no discussion or agreement, formal or informal, expressed or implied, as to any matters which might give rise to an allegation of violation of antitrust laws. Subjects to avoid include:

· rates;
· underwriting policies;
· marketing strategies; marketing responses to legislative, regulatory, or other developments;
· prices or costs of any products or services offererd for sale by insurers or purchased by insurers;
· individual insurance company positions on coverage issues and other matters of insurance policy interpretation; agreements or understandings relating to claims practice, policies, or positions;
· standards by which the performance of any insurer could or should be judged; codes of ethics;
· advantages or disadvantages of doing business in particular states;
· refusal to deal with, or boycott of, potential insured or suppliers of products or services; use of particular suppliers of products or services; and
· costs or profits of any aspect of any of the above.

Photo/Video Disclaimer

During PLRB programs and events, photos and video are taken for the benefit of the PLRB. By attending you consent to the taking of these images and the use of your likeness within the images for PLRB commercial use.