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Members and guests at The Pennsylvania Association of Independent Insurance Adjusters’ functions 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, those in attendance must exercise care during all presentation and discussions, since even innocuous discussions of certain topics might later be misinterpreted as evidence of collusion.The Pennsylvania Association of Independent Insurance Adjusters intends to prevent any violation of antitrust laws at all their meeting and conferences.
At all educational, social, and business 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.
Discussions of competitive information are prohibited.
For purposes of this policy, "competitive information" includes, but is not limited to, information concerning:
- Raising, lowering, or stabilizing rates
- Actual current or future rates, including actuarial projections
- What is a "fair" profit level
- Credit terms and other price-related or ancillary terms
- Individual company results, or current or future marketing or pricing strategies or business plans
- Allocation of markets, territories, or potential insureds
- The concerted refusal to deal with a customer, supplier, competitor; or to provide an insurance product or service
- Decisions to quote or not to quote on certain types or classes of risks; and any other matters on which insurers ordinarily compete with each other
For each visitor to our Web page, our Web server automatically recognizes only the consumer's domain name, but not the e-mail address (where possible). We collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit and information volunteered by the consumer, such as address and telephone number. The information we collect is used to improve the contact with the visitor when requested. If you do not want to receive e-mail from us in the future, please let us know by sending email to us at email@example.com and telling us that you do not want to receive e-mail from our association.