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cyberrIsksAndAddItIonALInsuredshIGhLIGhtconVentIonceproGrAMthreehourseminArsAtisfiesWestVirginiAcerequirementIIAWV2012LeAdershIpeLectIon-october7AtGLAdesprInGsresortcontinuedfromPAge1Thesedaysanagentandagencysupportstaffmustbeexpertsinabroadrangeofinsurancecoverageareasrunningfromthegenuinelytraditionaltothenewestincoverageneedsandapplications.Thisyearx19sIIAWVAnnualConventionofferstrainingopportunitiesthathelpagentsdojustthat.Foragentsandagenciesthatprovidethemostuptodatecoveragesforclientswithsigni7canton-lineexposuresEliseFarnhamx19sSundayafternoonOctober7seminarentitledx1cCyberRiskThreatsandSolutionsx1dseminaroperatesrightinyourbandwidth.OntheotherhandifyouragencyconcentratesonmoretraditionalcoverageareasFarnhamwillofferasecondseminarentitledx1cAdditionalInsuredCoverageorCrapshootx1donMondayafternoonOctober8.Cybercrimeisagrowingriskfrombothapersonalandabusinessperspective.Therapidadvanceoftechnologyhaschangedthewayallcommerceiscarriedout.x1cCyberRiskThreatsandSolutionsx1dexploresthecausesofcybercrimeandtheimpactithasonbusinessandpersonallives.Duetothespeedoftechnologicalchangeinsuranceprofessionalshavestruggledtoprovidethecoveragenecessarywithlittleornohistoricaldatatoguidetheiractions.Duetotheintangiblenatureoftheriskmanyexistinginsuranceproductsarenon-responsive.Inx1cCyberRiskThreatsandSolutionsx1dattendeeswilllearnTheuniquenatureofthecybercrimeriskandwhyitistreateddifferentlythanmostotherbusinessandpersonalrisksHowexistingpolicyformsmayapplyincertainaspectsofacybercrimelossHowterritoriallimitsimpactcoverageforthisglobalcrimeGapsinthelegacypropertycoveragex13bothresidentialandbusinessownersSpecialliabilityhazardscreatedbytechnologyHowtoinsureax1cvirtualx1dbusinessCyberrisksassociatedwithadvertisingliabilityForthemoretraditionalmindedagentsandagenciesx1cAdditionalInsuredCoverageorCrapshootx1disadetailedlookatacoverageareathatisthebasisformanydisputesandlitigation.InadditioncontractsbetweentheinsuredandothereventofdeathdisabilityorincapacityoftheVicePresidentthePresidentshallappointwiththeadviceandconsentoftheBoardofDirectorsasuccessortoservetheun-expiredterm.IIAbANationalDirectorArticleIVSection5IIABANationalDirectorTheIIABANationalDirectorshallrepresentthecorporationatmeetingsoftheIIABANationalBoardofStateDirectorsandshallsubmitreportsofeachmeetingtotheIIAWVBoardofDirectors.TheIIABANationalDirectorshallbeavotingmemberoftheExecutiveCommitteeandex-of7cionon-votingmemberoftheIIAWVBoardofDirectorsandshallattendallmeetingsoftheIIAWVBoardofDirectors.IntheeventofdeathdisabilityorincapacityoftheIIABANationalDirectorthePresidentshallappointwiththeadviceandconsentoftheBoardofDirectorsasuccessortoservetheun-expiredterm.Nominationsforthepostareacceptedfrommemberagenciesinanumberofways.Nominationsmaybemadebyquali7edmemberagentsduringanyassociationregionalmeeting.NominationsmayalsobemadebywritingonmemberagencyletterheadtotheassociationNominationsCommitteeincareofGrayMarionIIAWVCEOatPostOf7ceBox1226CharlestonWestVirginia25324-1226.Nominationsfortheof7cesmayalsobemadeonthe8oorduringoftheAssociationx19sAnnualMembershipBusinessMeetingheldattheIIAWVAnnualConventionattheResortatGladeSpringsinDanielsWestVirginiaonSundayafternoonOctober92011.ForadditionalinformationonIIAWVelectionsorgovernanceprocesspleasecontactIIAWVCEOGrayMarionat304-342-2440or800-274-4298orbye-mailatgmarioniiawv.org.page4APublicationofIndependentInsuranceAgentsofWVcontinuedonpage7