chapter leader guide - central illinois cpcu society chapter › system...3. check your troubles at...

© CPCU Society 720 Providence Road Malvern, PA 19355 (800) 932-CPCU (2728) www.cpcusociety.org

April 2006

Chapter Leader Guide

Your Guide to a Successful Chapter

Administrative Manual11th Edition

2CPCU Society Chapter Leader Guide

Contents I. Chapter Leadership Essentials. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Leading the Way. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 The 13 Keys to the RARE Leader Way. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Self-Assessment Quiz for Chapter Leaders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Scoring Key for Self-Assessment Quiz. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

II. Your Guide to Successful Chapter Operations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Recommendations for Running a Successful Chapter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Suggested Chapter Model . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Chapter Planning Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Conducting a Member Survey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Sample Chapter Objectives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Chapter Health Checklist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Circle of Excellence Planning Checklist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Key Dates for Chapter Planning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Running an Effective Board Meeting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Working Effectively with Your Chapter Governor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Getting Your Members to Volunteer and Like It . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Job Descriptions for Chapter Leaders and Volunteers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Running Effective Chapter Task Forces . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Chapter Leadership Transition Planning Checklist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Finance and Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

III. Chapter Governance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Nominations and Elections . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Annual Business Meeting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Installation of Chapter Officers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 New Chapter Formation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Candidate Chapters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 New Chapter Petition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Model Chapter Constitution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Model Chapter Bylaws . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Ethics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Chapter Anniversaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33

IV. Chapter Activities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Advertising/Public Relations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Annual Meeting and Seminars . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Circle of Excellence Recognition Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Candidate Recruitment & Development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Candidate Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Conferment/Recognition Ceremonies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 Connections Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Continuing Education . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Continuing Professional Development (CPD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Address Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Deceased Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Name Change. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Dues . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38


Retired/Disabled Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Ethics Awareness Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 All-Industry Days (I-Days). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Meetings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 New Designees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 CPCU Society Service. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 Member Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 Research Projects . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 Special Interest Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43

V. Resources for Chapters and Leaders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 CPCU Society Leadership Summit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Chapter Cooperative Advertising . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Political Activities, Lobbying and Consulting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 Chapter Leader Support Manuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 Research Guide . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 Member Resource Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 CPCU Society Marketplace. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 Chapter Supplies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Chapter Leader Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 CPCU Society Website and Chapter Leader Online Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Chapter Websites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Complimentary Chapter Materials . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47

VI. General CPCU Society Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Background. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 CPCU Society Mission Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Volunteer Organizational Structure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Society Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 CPCU-Loman Education Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49

VII. Appendix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 CPCU Society Departmental Resource Guide . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52 Application for Retired/Lifetime Retired/Disabled Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Chapter Member Address Change Form. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 Developing Your Action Plans for Achievement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 Chapter Leader Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57 CPCU Society Chapter Member Survey. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 Approved Script for CPCU Diploma Presentation Ceremonies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 CPCU Society Articles of Incorporation and Bylaws. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62 Application for CPCU Society National Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Volunteer Leader Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69


Leading the WayAs a leader of your chapter, you represent the association to your members.

You see the big picture of what is going on in the CPCU Society. It’s your job to share this with your members and sell them on the importance of being active in your chapter.

The 13 Keys to the RARE Leader WayRecruitment. Active members. Retention. Enthusiasm about being involved. It’s the RARE way to effective leadership.

When you focus on increasing active member participation and building enthusiasm for your chapter, recruitment and retention happen naturally.

1. Determineyourlegacyatthebeginningofyourterm.

As a chapter officer, you’ve made a big commitment to your chapter. If you’re like most leaders, it’s going to be a year-long ride on a roller coaster—packed with highs and lows, sudden drops, and the thrill of a lifetime!

Plan today what you want to accomplish. Successfully creating a legacy makes all of the energy that you put in your chapter a worthwhile investment.

2. Starttrainingyourpotentialreplacementsassoonasyoutakeoffice.

One of your jobs as a chapter leader is to mentor your potential replacements throughout your term. Doing this will also give you more people to delegate work to during your term.

Don’t just work with next year’s leaders. Start thinking years in advance. Develop the leadership potential of new and long-time members. By sharing your experience, you help your members develop important skills they will use in the chapter and in their careers.

3. Checkyourtroublesatthedoor.It doesn’t matter what happened before you walk into a chapter event.

The minute you hit that door, you need to be

“on”—representing your association and chapter to all.

4. Bearolemodelforyourmembersandboard.

What you do speaks louder than what you say.

5. Fuelyourmembers’aspirations.As a chapter leader, you can help your members step up to leadership opportunities.

Be proud of your members’ accomplishments in the chapter and in their careers. Cheer them on their path.

Your members are looking for a professional community in which to belong. With someone like you as a leader, they’re bound to stick around!

6. Attachyourenthusiasmtoyourchapter.

Your members need to link your enthusiasm to your chapter—rather than attach it to you.

It’s a matter of survival for your chapter. . . .

By teaching members to see the many benefits of chapter membership, they will continue to find enthusiasm whether you are there or not.

This way, you can constantly build for the long life and success of your chapter.

7. Makeanefforttoincludeallmembersinchapteractivities.

Your members, especially long-time ones, will have their circles of close friends—or cliques.

As you oversee your chapter calendar for the year, plan opportunities for friends to interact and new friendships to be started.

Including new members may be as simple as asking a long-time member to help you out.

Long-time members may not step up because they figure you have it covered—or they have forgotten what being a new member feels like.

When you personally ask long-time members to host a newer member at a meeting, they are often glad to help—and feel needed again.

I. Chapter Leadership Essentials


8. Beagreatcommunicator.Communicate with your board and members about what’s going on with your chapter as much as you can. Don’t be a “lone ranger.”

Being in touch makes your members feel like they are part of a community—one of the best motivators for being active in your chapter.

9. Identifytheinfluencesinyourchapter.

Every chapter has a group of people who influence members. They may not be “official” leaders of your chapter, but they can definitely rally the troops.

Turn these people into your champions.

If they feel appreciated and respected by you, they will help make sure you have a successful year.

10.Makeyourwordgolden.If you say you will do something, do it. Don’t leave your members hanging.

11.Standbehindyourboardandchairspublicly.

There’s nothing worse than a leader who complains vocally about board members and chairs to other members. This includes past boards too. It creates bad blood and makes you look bad. If you have a problem, talk to that person in private.

12.Learntoworkwithpeoplewhoaredifferentthanyou.

It takes many sets of skills to run a successful chapter—and no one person has them all.

Learn to talk to members who have different backgrounds and skills. A well-rounded team can accomplish great things.

13.Maketimeforyourpersonallifeinthemidstofyourleadershipexperience.

There’s a temptation with leadership to make your chapter a higher priority than anything else.

Don’t do it. If you are not a “complete” person, you have less to give back to your chapter.

Note: This information is from How to Turn Generation Me Into Active Members of Your Association by Cynthia D’Amour. For more information on Cynthia D’Amour’s book please call (888) 994-3375 or go to www.peoplepowerunlimited.com.

Self-Assessment Quiz for Chapter LeadersBefore you start your chapter year, you and other chapter leaders are encouraged to take the Self-Assessment Quiz. A review of board operations is a good idea to be sure you are operating most efficiently and best serving your members. Take a few moments to step back and “assess” whether the board is on the right track.

Please answer “yes” only for answers that are absolutely “yes.” If they are “sometimes” or “maybe,” please mark the “no” box.

1. Leaders all know the organization’s mission and purpose.

____Yes ____No

2. The chapter clearly communicates the outcomes it wishes to achieve, i.e., the board has a simple but strategic plan.

____Yes ____No

3. The board regularly reviews progress toward achievement of goals.

____Yes ____No

4. Task forces and committees have accepted responsibility and accountability for pieces of the plan.

____Yes ____No

5. The board promotes a positive image of the organization and of the profession.

____Yes ____No

6. The board assumes responsibility for identifying and nurturing future leaders.

____Yes ____No

7. The board responds to internal changes in the environment, e.g., members’ expectations and to external changes in the industry.

____Yes ____No


8. Board agendas provide time to consider emerging issues, not just current business.

____Yes ____No

9. Programs and services meet member needs and wants.

____Yes ____No

10. Competent, dedicated board members do not spend their time together on trivia.

____Yes ____No

Totalnumberofyeses:_______

Scoring Key for Self-Assessment QuizIfyouscored9-10, your board is perfection itself. Caution: Sometimes that makes people nervous. Keep the agendas interesting, and the work challenging. Be sure to have some meaty issues for the board to deliberate, and beware of too much self-satisfaction. True, you deserve a gold star. So give yourself a reward, and then work hard to maintain your superb condition. Hooray for you!

Ifyouscored8, your board is on the right track. Keep it moving forward, correct the minor flaws, and celebrate your excellence. Give each other a pat on the back, and retest yourself every year to be certain you are continuing to provide a good return on governance for your organization. You can do it!

Ifyouscored7, the board needs to refocus its efforts toward more productivity. Congratulations on having identified some problem areas, all of which can be addressed without any serious dislocation to the board members, the staff, or the organization. You’ll be delighted with the results. Go to it!

Ifyouscored6orless, a comprehensive review of board operations is in order. That is a task you will probably enjoy participating in, and one that will have a major effect on the future of your organization. Congratulations on your honesty, and for recognizing areas that need improvement. You are about to embark on one of the most exciting ventures that a board can undertake—its own self-renewal. The results will be worth the effort. Start today!

Note: This information is from CMG Group, Dadie Perlov, Principal, Harriman, New York.


Recommendations for Running a Successful ChapterThank you again for your commitment to the CPCU Society and your chapter for the next year. It’s volunteer leaders like you who make the CPCU Society what it is today. We hope you will benefit as much from this experience as your chapter and members do.

We realize that your time is extremely valuable and that a well thought-out chapter plan will not only save you time, but pay off in an outstanding year for you, your chapter, and your members.

As you start your chapter year, here are a few recommendations to ensure your success:

• Be a strong, well-organized, and motivating leader; it’s contagious!

• Expand your knowledge base—meet with as many of the previous year’s chapter leaders as possible to learn what works and what doesn’t. Ask for any of their chapter files.

• Use the tools and information in this section to your advantage. They were designed to help you think through your year and make your job as a leader easier.

• Conduct a chapter health checkup. See the checklist in this section and find out what shape your chapter’s in.

• Focus everything you do on your members and their needs. If you are unsure of their needs, just ask them (see sample survey in appendix). Your meeting attendance and paid members are good gauges of whether you are meeting their needs.

• Set SMART goals for your chapter and yourself—Specific, Measurable, Achievable, Results-Oriented, and Timebound. Don’t try to do too much; focus on doing a few things very well that challenge your chapter over the previous year and meet your members’ needs. The Society’s strategic goals (see inside front cover of this manual) are an excellent guideline.

• Select a strong volunteer leader team.

If possible, you may consider using more volunteers to spread out the workload due to everyone’s time constraints. Reward and recognize your volunteers often.

• Use the Circle of Excellence Recognition Program to your advantage. The program is designed to help you and your chapter have a successful year while serving your members’ needs. Select the activities that best meet the interests of your members. The Circle of Excellence is an excellent guide for your chapter’s overall planning.

• Your meetings, topics, speakers, and meeting management are critical to your chapter’s success. Select several of your best volunteers for this challenging area. Experience counts! Plan early, do your homework (topics and speakers), and communicate your meeting schedules early and often.

• Communicate your annual chapter plans to your chapter officers, volunteer leaders, and members.

• Use national resources in Malvern to your advantage. Think of national headquarters as your chapter consultant with resources and expertise to make your job easier. Please call before, during, and after your planning process with any questions.

Finally, have a great year as a chapter leader. Most past leaders have found the personal benefits they enjoyed were well worth their effort providing them with many new opportunities.

Suggested Chapter Model In 2002, the CPCU Society introduced a new chapter model. The Board of Directors adopted the model recommendations after two years of surveys and focus group meetings. The CPCU Society recommends the following:

• Long-standing committees are discouraged. Each year chapters should decide what the goals and needs of the membership are. Use the CPCU

II. Your Guide to Successful Chapter Operations


Society Strategic Plan and the Circle of Excellence Recognition Program to determine what help is needed each year. Then organize task forces to complete the activities.

• Meeting frequency should be flexible. Quality meetings are suggested as an alternative to a certain number of meetings per year. Education should focus on technical topics, leadership development, and helping members manage their career.

• Use of technology is recommended by using the chapter website and email to market chapter programs.

Many chapters have adopted model bylaws introduced in 2002, which permits flexibility in leadership, accommodates the candidate membership, and updates chapter bylaws more in line with the national bylaws. Smaller chapters may wish to operate by executive committee, with one person designated to handle the finances. One version of the bylaws permits this option. A sample of the model bylaws can be found on page 28. For more information contact the Member and Professional Services Department at (800) 932-2728.

Chapters are the CPCU Society’s most important local delivery channel to “insuring our members’ success.” Chapters are encouraged to consider adopting the suggested chapter model outlined above.

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Chapter Planning Process

MemberNeeds Society’sStrategicGoals

AnnualChapterPlansandImplementation

CommunicationwithChapterOfficersandChairs

WorkingwithDirectorsandCPCUSociety


Conducting a Member SurveyDo you know what your members’ needs are? They might be different than what you think they are. As chapter leader(s) it is important to gain feedback from your membership in order for the chapter to most effectively serve your members. A sample survey is included in the appendix to help and guide you. Feel free to add or delete items as appropriate.

Sample Chapter ObjectivesRemember the recommendation to set SMART goals for your chapter (specific, measurable, achievable, results-oriented, and timebound). Here is a list of sample objectives to consider when you’re planning your year. Use the Developing Your Action Plans form on page 61 to record your objectives; then monitor your progress periodically.

1. Establish programs and goals for the chapter year.

2. Appoint committee or task force chairs.

3. Hold a planning meeting by August 1.

4. Send Circle of Excellence planning checklist to Malvern and to your national director by August 31.

5. Promote programs for the year by September 1.

6. Send a chapter representative to the Annual Meeting and Seminars.

7. Conduct an I-Day or E-Day.

8. Hold a local conferment for new designees.

Chapter Health ChecklistThe following checklist is designed to help you evaluate your chapter’s health status so you can evaluate members’ needs and prioritize your time accordingly.

Criteria Yes No #

Does your chapter have elected leaders?

Paid/Unpaid Ratio

Does your chapter have regular meetings or activities?

What is the ratio of active members attending your meetings?

What are your net assets?

Have you submitted the Circle of Excellence planning checklist?

Are there major P&C employers in the area?

Have your leaders attended the Leadership Summit Chapter Training Day?

Have your leaders attended the Annual Meeting and Seminars?

Does your chapter have consistent files?

Does your chapter conduct regular board meetings?

Is there regular communication with the chapter governor?

Does your chapter have a newsletter?

Does your chapter utilize its web page?

Does your chapter have a new designee program?

Does your chapter have a candidate development program?

Does your chapter conduct an I-Day?

Does your chapter perform a conferment ceremony?


9. Have _____ percent of membership attend meetings.

10. Have at least 75 percent of potential membership pay dues.

11. Submit Circle of Excellence to national.

12. Maintain Loman Club membership.

13. Develop one new program or activity.

14. Have a fun and enjoyable year.

Circle of Excellence Planning ChecklistThe Circle of Excellence planning checklist assists chapter officers in establishing goals and monitoring progress. (A sample report form is included in the appendix.) The report contains two columns after each goal. The first column records planning, and the second column indicates the level achieved at the end of the chapter year.

PlanningThe chapter president completes the planning section of the report no later than August 31, after consulting with all chapter officers and the appropriate national director. A copy of the form is then sent to the CPCU Society

Key Dates for Chapter PlanningSpring/Summer Arrange for local conferment speaker. Clear the date with the chapter services manager.

Early Summer Chapter planning meetings

Monthly New designee names are available on website.

Monthly Chapters should update their chapter membership and CPD lists by using membership online reports.

August 31—Chapter Goals Circle of Excellence Recognition Program Planning Checklist due

September Start working on Circle of Excellence submissions.

September Annual Meeting and Seminars

October/November Local conferments (after Annual Meeting and Seminars)Dues invoices mailed from national.

Tax Date Varies by chapter (many use Nov. 15). Check chapter bylaws.

Jan./Feb./March/April Nominating Committee nominates new officers. (Check bylaws) Election of next year’s leaders takes place.

Arrange for an official to conduct the installation.

February Applications for national officers or directors due.

February National sends out first dues refund payment.

April Send representative to CPCU Society Leadership Summit Chapter Leadership Conference.

May 1 Applications for national committees, task forces, or interest group committees due.

June 1 Circle of Excellence Recognition Program submissions due in Malvern.

May/June Installation of new leaders (check chapter bylaws).


office in Malvern and to the national director, who provides input on the chapter’s plans, and advises the chapter officers.

EvaluatingThe president and chairman/chairwoman completes the final portion of the report by May 31, and sends it to the national director. The director will review and comment where necessary, and forward the report to CPCU Society staff in Malvern.

Running an Effective Board MeetingHere are 10 sure-fire ways to make your chapter board meetings more effective:

1. Thekeytoeffectivemeetingsisplanning.The president and chairman/chairwoman should prepare an agenda to cover the items the board needs to discuss each month. Allow enough time for the priority items and decide ahead of time which items could be deferred to a later date. Don’t spend the entire meeting on routine items; you may run out of time for more important issues. New board members should be given a copy of the minutes from the prior year as part of their orientation program.

2. Holdregularboardmeetings. Hold meetings the same day in the same place each month so it is easy for members to remember the date. Publish the schedule in the beginning of the year. Consider using conference calls, email, list serves, or chat rooms as an alternative.

3. Encourageallchapterleaderstoattendallmeetings. Absent members should always notify the president in advance and send in written reports. Informed, active board members are more effective ones and are also models for the rest of the chapter.

4. Issuethemeetingminutesandthenextagendapromptly. Ask board members to review the minutes upon receipt, and fax, phone, or email changes to the secretary before the next meeting. This

avoids wasting board time discussing minor corrections.

5. Encourageeachboardmembertosubmitawrittenreport. The reports do not have to be long and can even be handwritten or in outline/bullet form. This forces each board member to do monthly planning and makes taking of the minutes easier. It usually means that the verbal report is more succinct.

6. Encouragetheboardmemberstokeepontrackandbeasbriefaspossible. Every board has its long-winded members or those who seem to comment on everything. The president’s most difficult task is maintaining a balance between “letting them participate” and “not letting one person dominate.” Bring the gavel—it helps.

7. KeepacopyofimportantdocumentshandysuchasyourchapterbylawsandChapter Leader Guide (CLG). It’s amazing how often you will refer to these documents throughout the year. Items under question can sometimes be settled on the spot by referring to the bylaws or CLG. Give all board members a binder containing these documents, committee job descriptions, etc., and update the materials regularly.

8. Considerhavingapastpresidentontheboard,evenasanex-officiomember.Past presidents can be quite a resource to the chapter and can even form a separate council of past presidents to be available for special ad-hoc projects.

9. Inviteyournewdesigneerepresentative,chaptergrameditor,andothertaskforceorcommitteechairstoattendboardmeetings. This will facilitate communications and groom future board members.

10. Communicateconstantly. Presidents, find time to call members of the board every few months to give them a pat on the back, see if they need assistance, or to brainstorm new ideas. Make sure to feature board members prominently


in the chaptergram so members know whom to contact about different subjects. A year-end joint meeting of the incoming and outgoing boards is a good way to recognize retiring members and to welcome “freshman” members.

Effective board meetings are the key to a chapter’s success. They can also be where you form your closest friendships and most valuable networks in this organization. Make the most of them!

Working Effectively with Your Chapter GovernorYou share something important in common with your Chapter Governor. Both of you want to see your chapter have an outstanding year. All it takes is a bit of teamwork. Make the Chapter Governor a part of your chapter’s team. Get to know the governor. Invite him or her to your chapter planning session, to board meetings, and to chapter events. Put your governor’s name on your mailing list. Call your governor when you need help or need an idea. Think of your governor as an important resource you can call on to help you be successful.

Let your governor know what you require from him or her. If at all possible, he or she will fulfill your requirements. And, ask what is needed from you. You will probably hear that he or she needs a couple of reports by a certain date and would also like to know what is going on in your chapter. Your governor will also want to know when you need special attention or assistance in solving a difficult problem. Knowing each other’s requirements and expectations will help you work together effectively.

Chapter leaders and Chapter Governors form a team that works together for the good of the chapter. Working together is the key to a successful chapter year.

Getting Your Members to Volunteer and Like ItIn today’s busy environment, recruiting volunteers is a challenge for many chapter leaders. As a leader you need to market active participation to the member as if you are making a sale. You are selling the opportunity to volunteer in exchange for the member’s time. The number-one reason people volunteer is because they are asked. When their needs are met, they continue to give their time, energy, and resources. Volunteer leaders want to:

• know their contributions make a difference

• be acknowledged for their responsibility

• succeed at their task

• be appreciated

Appropriate recognition is important to get and keep volunteer leaders involved. Be sure to recruit many volunteers to avoid burnout. Burnout can occur when chapter responsibilities interfere with the rest of the volunteer’s life. Therefore, break responsibilities into smaller tasks to get more members involved. Most of all have fun!

Job Descriptions for Chapter Leaders and VolunteersChapter leaders have four major responsibilities: leadership and management, communication with national director and Society staff, attendance at the Leadership Summit Chapter Training Day, and preparation of the Circle of Excellence checklist. Here are sample job descriptions to help chapter leaders delegate tasks and responsibility. Also refer to the Chapter Leadership Transition Planning Checklist on page 19.

nChapter PresidentThe chapter president keeps the chapter focused on setting and meeting local and national goals. The president oversees officers and committees, and encourages future leaders. The president reports to the Chapter Governor and national office as required.


Responsibilities

• Direct chapter board and general meetings.

• Monitor progress of chapter goals and objectives.

• Work with Chapter Governor and national headquarters to communicate members’ needs.

• Serve as a liaison between the national organization and the local chapter.

• Network with other chapter presidents.

Qualifications

• knowledge of the CPCU Society

• working knowledge of the chapter bylaws

• past experience as a chapter officer and committee Chair

• public speaking and ability to communicate

• ability to delegate

• ability to motivate individual members, officers, and committee chairs

Length of Term

• usually one year

Measures of Success

• submission of Circle of Excellence Recognition Program

• ability to meet member needs

• active membership of at least 75 percent

• attendance at meetings with at least 40 percent of membership

• at least 85 percent of new designees becoming active members of the CPCU Society

nPresident-Elect or Vice PresidentAssist the chapter president with duties as assigned. The president-elect or vice president initiates annual updating of the chapter’s long-range plans, including establishing objectives for his or her term as president. This officer also serves as a liaison to selected committees.

Responsibilities

• Direct or act as a liaison to the I-Day committee.

• Arrange for a local conferment with national to recognize new designees.

• Direct the committees and board in Circle of Excellence submissions.

• Serve as substitute for the chapter president as needed.

• Attend the Leadership Summit for chapter training.

• Chair the nominating committee.

• Direct the CE programs.

Measures of Success

• attendance goals met for I-Day

• new designees join the chapter

• completion and submission of Circle of Excellence Recognition Program

Qualifications


• working knowledge of chapter bylaws

• past experience as chapter secretary and/or treasurer

• past committee experience

• public speaking and ability to communicate

• ability to motivate committees

nTreasurerServes as the chief financial officer for the chapter. The treasurer oversees the annual budget, monitors budget performance, records annual dues, and prepares periodic financial statements.

Responsibilities

• Meet with the outgoing chapter treasurer to review all financial records.

• Work with the chapter board of directors to establish the chapter budget.

• Keep official records such as the IRS application for exempt status, IRS exempt determination, Federal Tax ID number, general ledger, and tax returns (at least four years).


• Monitor budget progress and provide periodic reports.

• Manage cash in accordance with chapter procedures. This includes depositing dues and other revenues.

• File tax return annually (if required).

Qualifications


• working knowledge of chapter bylaws

• knowledge of financial statements helpful

• good organization and record-keeping skills

• past experience as chapter secretary and committee Chair

Measures of Success

• budgets met as planned

• reports prepared as required

• revenues continue to grow

• cash management

• budget prepared as required by the chapter board

nSecretaryThe chapter secretary attends all meetings of the chapter, board of governors, and executive committee (if applicable). A permanent record is kept of these meetings. This is an entry-level officer position.

Responsibilities

• Attend all chapter meetings.

• Keep permanent meeting minutes.

• File important documents such as the chapter certificate of insurance.

• Act as liaison to the membership Chair.

Qualifications


• working knowledge of the chapter bylaws

• ability to coordinate the voting of any bylaws changes as required

• past experience as a committee chair

• good organization and record-keeping ability

Measures of Success

• increase in members and attendance at meetings

• records well maintained

nMembership Task Force ChairUnder direction of the chapter board, the membership task force Chair shall develop and maintain programs to recruit/retain members in the CPCU Society.

Responsibilities

• Maintain the chapter roster of members.

• Emphasize the value of Society membership to chapter members.

• Recruit all nonmember CPCUs.

• Assist board in maintaining active participation of all current chapter members.

• Attend membership workshops or other Society training.

Measures of Success

• active membership of at least 75 percent

• attendance at meetings of at least 40 percent of the membership

Qualifications

• knowledge of CPCU Society membership

• regular chapter meeting attendance

• ability to motivate individuals

nCandidate Recruitment and Development Task Force Chair

Under the general direction of the chapter board, the candidate recruitment and development task force Chair shall develop or maintain programs that will increase the total members/candidates committed to increased insurance professionalism and obtaining the CPCU designation.

Responsibilities

• Maintain a current active candidate and prospect list, and coordinate with others


to be sure mailing lists are updated annually.

• Understand and stay current of CPCU and IIA programs to attract new candidates and encourage existing candidates to continue.

• Maintain accurate records of candidate recruitment and development activity during the year.

• Promote the Society’s candidate membership.

Qualifications

• membership in CPCU Society and CPD qualification

• ability to speak before groups of prospective candidates

• regular CPCU Society chapter meeting attendance

• participation in CPCU Society chapter activities

Measures of Success

• recruitment of one new candidate for each chapter member

nNew Designee Task Force ChairUnder the direction of the chapter board, the new designee task force Chair shall develop or maintain programs to activate the chapter’s new designees to become members of the CPCU Society.

Responsibilities

• Maintain the chapter roster of new designees.

• Promote benefits of Society membership such as continuing education, professionalism, and networking.

• Assist chapter board in recognition activities such as local conferment or welcome reception.

• Distribute information and serve as a contact point for questions from new designees.

• Encourage new designees to attend meetings and become active members of the chapter.

• Serve as a liaison between the chapter

and the national new designee task force.

Qualifications


• knowledge of the Annual Meeting and Seminars

• regular CPCU Society chapter meeting attendance

Measures of Success

• At least 85 percent of the chapter’s new designees become Society members.

• At least 40 percent of new designees join committees.

• At least 40 percent of new designees attend chapter meetings.

nVisibility Task Force ChairUnder the direction of the chapter board, the visibility task force Chair shall develop programs to enhance and promote recognition of the CPCU Society, its members, and the designation.

Responsibilities

• Establish and direct the grass-roots campaign committee.

• Publicize chapter meetings and programs, special events, new designees, and Community Good Works programs in local media and industry press.

• Direct the chapter website information.

• Direct the production of the chaptergram.

• Coordinate the chapter’s speaker’s bureau.

Qualifications


• good communication skills; enjoy writing and/or speaking



Measures of Success

• up-to-date chapter website

• publish quarterly chaptergrams

• place two press releases


nEducation Task Force ChairUnder the direction of the chapter board, the education task force Chair is to ensure a variety of professional education programs. Programs should help members succeed by focusing on technical, leadership, and career management. This includes chapter meetings, seminars, and CPCU and IIA classes.

Responsibilities

• Schedule chapter meetings and arrange for speakers.

• Schedule and arrange for a variety of educational seminars.

• Schedule CPCU/IIA classes as required.

Qualifications

• working knowledge of the CPCU Society

• ability to motivate members to develop topics and locate speakers


• CPD qualification

Measures of Success

• very good ratings on educational programs

nResearch Task Force ChairUnder the direction of the chapter board, the research task force Chair provides leadership in developing appropriate research subjects and recruiting chapter members to participate.

Responsibilities

• Develop research topics.

• Recruit chapter members to participate.

Qualifications

• working knowledge of topics selected

• knowledge of research methods


• good communication skills

Measures of Success

• completion of chapter research project at least every two years

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nInformation Technology Task Force Chair

Under the direction of the chapter board, the chapter information technology task force Chair is responsible for coordinating and keeping the chapter’s database information current.

Responsibilities

• Implement and establish chapter database.

• Establish procedures to coordinate with chapter board and national to keep database information up to date.

Qualifications


• working knowledge of computers

Measures of Success

• information is current

nWebmasterUnder the direction of the chapter board, the chapter webmaster is responsible for coordinating and keeping the chapter’s Internet website current.

Responsibilities

• Serve as liaison to national for providing information for website.

• Establish procedures to coordinate with chapter board on posting information.

• Coordinate the programs to deliver and serve member needs.

• Research and make recommendations on links to other organizations’ websites.

Qualifications


• working knowledge of computers and the Internet

Measures of Success

• information is current

nChapter Interest Groups LiaisonUnder the direction of the chapter board, the interest groups liaison promotes the


Society’s interest groups and encourages active participation.

Responsibilities

• Serve as a liaison to the national interest group committees.

• Be knowledgeable and inform members of the 14 interest groups.

• Develop interest group programs as requested.

Qualifications

• knowledge of the CPCU Society and its interest groups

• membership in at least one of the interest groups

• regular CPCU Society chapter and interest group meeting attendance

Measures of Success

• active members in each of the 14 interest groups

• quality education programs

nExecutive Committee

Chapters that have adopted the version of the bylaws to operate by an executive committee are encouraged to review the various suggested tasks shown previously. One person of the executive committee must serve as the financial officer.

Running Effective Chapter Task ForcesRecruitingVolunteersforTaskForcesThe successes of chapters are greatly determined by the members who staff the task forces. It is suggested that chapters get more members involved by the following suggestions:

TaskForces—Break the job down into a well-defined task with an idea of the time commitment. This will narrow the scope of the work and shorten the length. Suggest that members job share. Be sure that you, as a leader, explain what is involved and answer members’ questions. Use the Circle of Excellence Recognition Program’s suggested activities as a guide.

Talents—When members volunteer, they want a meaningful experience. Ask what talents members have both at work and outside of work. Trying to match skills with a person’s talent or interest lets the member work up to his or her ability, which will create a greater feeling of achievement.

Meetings—Task force members need to communicate regularly on the status of their projects. Many times this is done with a meeting. Consider having a conference call, use e-mail, list serve, or a chat room. Face-to-face meetings can be reserved for decisions that require discussion.

EvaluationandAppreciation—The chapter board should evaluate the work of the task force and provide feedback. Be sure to say thank you as part of this evaluation. The task forces or committees serve as good training for future leaders.

ChapterTaskForcesWhenever task forces are established within the chapter, it is essential that chapter officers provide for such elements as stability, continuity, innovation, evaluation, and enthusiasm.


Chapter Leadership Transition Planning ChecklistAdditional items may be added or changed as they pertain to your chapter.

President “To Do” list for incoming chapter president:____ Reviewthejobdescriptionsforallthechapterofficers.____ BesurethesecretaryhasinformedMalvernofthenewofficersandchairs.____ Meetwiththetreasurertohandlenecessarybusinessandunderstandthechapter’sfinancialstatus.____ Signnewfinancialaccountsignaturecards,ifapplicable.____ Ensurethatotherofficertransitionsoccursmoothlyandinatimelymanner.____ Haveavailablecopiesofcorrespondence,bylaws,andotherchapterdocuments.____ ReviewCPCUSocietystrategicplan,CircleofExcellenceRecognitionProgram,andchapterlong-rangeplan.____ Schedulea“summer”chapterplanningmeeting.

President-Elect/Vice President “To Do” list for incoming chapter president-elect/vice president:

____ Discussdutiesandassignmentswiththechapterpresident.____ Scheduleorientationsessionwithofficerstolearnaboutresponsibilities,etc.____ AppointoractasaliaisonfortheI-Daytaskforce.____ AppointoractasaliaisontotheNominatingtaskforce.____ AttendtheChapterDayTraininginthespring.

Secretary“To Do” list for incoming chapter secretary:

____ Transferalloriginaldocumentsorminutes.____ Transfercopiesofcorrespondence.____ TransferCertificatesofInsuranceorcontracts,etc.

Treasurer“To Do” list for incoming chapter treasurer:

____ Transferoriginalcopiesofallofficerchapterfinancialrecords.____ Retainup-to-datebankaccountinformation.____ Keeprecordsofbankstatements,annualstatements,etc.____ Establishafinancialmanagementsystem(preferablycomputer-based).

Webmaster“To Do” list for incoming chapter webmaster:

____ ObtainadminwebmasterprivilegesfromMalvern.____ ReadAdmin Help Guide.____ Postnamesandemailaddressesofcurrentchapterofficerstochapterwebsite.____ Postmeetingdatesonchaptercalendarofevents.____ Postmonthlychapternewsletters.____ Deleteoldinformationonsiteandkeepinformationcurrent.____ Postmonthlymessagefromthepresident.____ Encouragememberstologintothesiteandparticipate.

Chapter Chair or Board Members“To Do” list for incoming chapter Chair or board members:

____ Contactlastyear’smembersandobtainanycopiesofcorrespondencethatmaybehelpful.____ Obtainandreviewjobdescriptions.____ Obtaindescriptionoftaskassignmentsandresourcesavailable.


Finance and InsuranceChapterInsuranceThe CPCU Society maintains five insurance programs for Society chapters:

• Commercial General Liability

• Employee Dishonesty Coverage Form A-Blanket

• Not-for-Profit Association Professional Liability

• Non-Owned and Hired Automobile Liability

• Commercial Umbrella Liability

Coverage is purchased by the Society and the chapters are assessed their share of the premium. This assessment is deducted from chapter dues prior to refund from the Society office.

SpecialEventsChapter officers are reminded that the coverage does have limitations. Chapters may require additional coverage when planning an unusual event such as:

• chartering or use of watercraft or aircraft

• performing service work

• working on property of others

• advertising on chapter website

The officers should contact the society’s vice president of member and professional services at (800) 932-CPCU, ext. 2716 to ascertain if additional coverage is needed.

WhoIsInsuredChapter members, volunteers, employees, officers, and committee members are insureds under various policies while acting in such capacity. Independent contractors, in general, are not. Coverage under the Fidelity Bond includes any compensated person while performing services that are usual to the duties of an employee. Under the Association Professional Liability policy, instructors of the chapters are additional insureds solely in their capacity as instructors of a chapter-sponsored class.

If there is any question regarding the insured status of independent contractors in a particular situation, contact the Society’s vice president of member and professional services.

Chapter Financial Management GuideThe Chapter Financial Management Guide can be used as a reference manual by chapter treasurers, and is designed to complement this publication.

The guide serves as a valuable resource for chapter treasurers, providing practical, “how-to” suggestions for organizing chapter finances, information on filing chapter tax returns, and samples of forms and financial worksheets that can be adapted to meet individual chapter needs. The Chapter Financial Management Guide is available on the Society’s website, www.cpcusociety.org.

RecordKeepingAll chapters should have a permanent chapter document file that is passed along from treasurer to treasurer each year. The permanent file should include, at minimum, the following documents:

• IRS application for exempt status

• IRS exempt determination letter

• federal tax ID number

• bylaws, including any amendments

• general ledger with annual financial statements

• tax returns (at least four years)

• other documents unique to the chapter

The Chapter Financial Management Guide should also be part of the chapter’s permanent file documents.

TaxesThe Society and its chapters qualify for exemption from federal income tax under Section 501(c)(6) of the Internal Revenue Code relating to business leagues, professional associations, etc. However, each chapter must establish its eligibility by filing an application for tax-exempt status with the District Director for the Key District of the Internal Revenue Service for the geographic area in which the chapter is located. The importance of this application cannot be overemphasized, because it is the initial requirement for compliance with the federal tax laws.

When the chapter receives its determination letter from the IRS, send a copy to the


Malvern office, and file the original with the chapter’s permanent records to be passed on to successor(s). Periodically, the chapter’s operations should be reviewed to determine if operations continue to meet those listed in the chapter’s application and approved in the determination letter.

ApplicationThe application for recognition of exemption from federal income tax is filed on Form 1024. The chapter will need forms SS-4, 8718, 1024, and IRS Publication 557. IRS Publication 557, “How to Apply for Recognition of Exemption for an Organization,” contains full details on the application process. This publication and other forms are available from the nearest IRS office, or call (800) 829-FORM (3676) or visit the website www.irs.gov.

EmployerIdentificationNumberEach chapter must have an employer identification number even though it may not have any employees. This employer identification number will be required to open up bank or other financial accounts, and should be recorded on all transactions with the IRS. If a chapter does not hold an employer identification number, a completed Form SS-4, “Application for Employer Identification Number,” should accompany the Form 1024.

FilingaReturnAnnually, Form 990, Information Return, must be filed by chapters having gross receipts, from all sources, of $25,000 or more. If gross receipts during the year are less than $100,000 and total assets at the end of the year are less than $250,000, Form 990-EZ may be filed. A copy or completed form should be sent to the Society’s Finance and Administration staff. Society counsel recommends filing Form 990 or 990-EZ, and checking the box indicating less than $25,000 of gross receipts where applicable to avoid needless and bothersome audits in those cases in which a Form 990 or 990-EZ was filed for an earlier year.

The completed Form 990 must be filed no later than the fifteenth day of the fifth month following the end of the chapter’s accounting

year. (The accounting year for the chapter will be as indicated on the Form 1024 submitted to the IRS. The IRS will monitor filing dates based on this document. If the chapter wishes to change its accounting period, it may follow the Form 990 instructions.) Failure to file Form 990 within the prescribed period may result in heavy penalties levied by the IRS.

If Form 990 cannot be completed by the normal due date, file Form 8868. Form 8868 can be completed to request an automatic three-month extension of time to file with the IRS, with a copy to Malvern. To avoid penalties, Form 8868 must be submitted before the normal due date.

InitialFilingIf a chapter has not received its tax-exemption determination letter from the IRS as a result of filing Form 1024, Form 990 still must be filed as indicated above. In this case, the chapter must indicate on Form 990 that the return is being filed in the belief that the chapter is exempt under Section 501(a) of the Internal Revenue Code, but that the IRS has not yet recognized the exemption.

UnrelatedBusinessIncomeUnrelated business income is income from a trade or business that is not substantially related to the chapter’s exempt purposes. IRS publication 598 Tax on Unrelated Business Income of Exempt Organizations provides guidance and examples of unrelated business income.

If a chapter has unrelated business income of $1,000 or more, Form 990-T must be filed. Form 990-T has separate instructions. This form is similar to a regular tax return and must be filed no later than the fifteenth day of the fifth month following the end of the relevant accounting period. An extension of the time to file can be requested on Form 8868.

Tax must be paid with the request for extension.

One of the conditions for the imposition of a tax on unrelated business income is that the unrelated trade or business be regularly carried on by the exempt organization.


There is a very fine line of distinction between what constitutes a regular unrelated activity and a discontinuous activity. Therefore, if the chapter thinks it may be subject to tax for an unrelated activity, complete details regarding the activity should be forwarded to the Society’s treasurer and administration for review. This should be done in sufficient time to allow review and return to the chapter in adequate time for filing Form 990-T. Last-minute submission must be avoided, because the filing period for Form 990-T coincides with other filing deadlines. Thus, last-minute requests may cause delays.

SurplusFundsThe IRS grants tax-exempt status to chapters based on the purpose contained in the chapter’s constitution or articles of incorporation. Therefore, unreasonable accumulation of funds not required to carry out the purpose of the chapter is considered excess surplus and, as such, may become cause for revocation of the chapter’s tax exemption.

AdditionalInformationThe Society has access to counsel for any problems that may arise from the standpoint of federal taxes. Any major problems that may be encountered with the IRS should be referred to the Society’s treasurer and administration for further counsel as deemed appropriate. If the chapter is contacted by the IRS for an audit, please contact the Society office.


Nominations and ElectionsThe chapter Board of Directors shall appoint a task force to recruit and identify leadership for the following year. The task force shall present a nomination for each elective office at the chapter’s annual business meeting. Nominations may be made from the floor. Election shall be a majority of the members present and voting. The election of officers shall take place prior to May 1 of each year, with officers to take office no later than July 1 of the same year. Results of the elections should be reported to the chapter services manager at the Society’s national office in Malvern, PA.

Annual Business MeetingThe nominating task force shall present a nomination for each elective officer at the chapter’s annual business meeting. The suggested order of the annual business meeting shall be as follows:

1. Call to order

2. Reading of the minutes of the previous Annual Meeting

3. Annual report of the outgoing president

4. Annual report of the outgoing treasurer

5. Report of committees or task forces

6. Unfinished business

7. New business

8. Installation of new chapter leaders

9. Adjournment

Installation of Chapter OfficersThe following is a suggested procedure for installing chapter officers. Installation should be conducted by a national director or national officer. If neither of these is in attendance, the installation may be conducted by the outgoing chapter president or the chapter’s immediate past president.

A. Installation of chapter president:

1. Introduce chapter president-elect.

2. Present brief biographical statement about the individual.

3. Read chapter president duties from chapter bylaws.

4. Administer suggested oath.

B. Installation of other chapter officers:

1. Introduce chapter officers-elect.

2. Present brief biographical information on each person.

3. Read officer duties from chapter bylaws.

4. Administer suggested oath.

C. Request all members to stand and recite CPCU Professional Commitment (optional).

SuggestedOathtoBeAdministeredtotheIncomingOfficerPlease recite after me: I (officer’s name), do solemnly promise that I will observe and support the constitution and bylaws of the Chartered Property Casualty Underwriters Society, and the _______________ Chapter, and that I will discharge the duties of my office with fidelity.

ProfessionalCommitmentAs a Chartered Property Casualty Underwriter: I shall strive at all times to live by the highest standards of professional conduct; I shall strive to ascertain and understand the needs of others and place their interests above my own; and I shall strive to maintain and uphold a standard of honor and integrity that will reflect credit on my profession and on the CPCU designation.

New Chapter FormationUpon the recommendation of the national director, and, with the approval of the Executive Committee, the Board of Directors of the Society can grant the candidate chapter or subchapter full chapter status and award its charter.

To form a new chapter, a group of CPCUs must submit a petition, signed by 10 members in good standing, to the Society’s Board of Directors. A petition for chapter formation and a model chapter constitution and bylaws appear on pages 26, 27, and 28-31, respectively.

The model chapter constitution (or articles of incorporation) and bylaws are provided in this book for your guidance and assistance. Some chapters have a president-elect while others have two vice presidents; some have a secretary/treasurer. Some make dues changes

III. Chapter Governance


subject to majority members’ ratification. The bylaws handle such variations.

For information concerning bylaws changes, incorporation, and approval, contact the vice president of member and professional services at the Society office.

LeadershipA proposed chapter should have at least one person with strong leadership and organizational skills. This person is, in effect, a salesperson for the chapter. A chapter also needs a person with strong administrative skills who is responsible for filing reports, compiling membership lists, and sending meeting announcements in the early stages of the chapter. Because the chapter’s existence is dependent on a growing membership, a proposed chapter also should have a person dedicated to promoting CPCU candidate development and educational activities.

New Chapter SuccessThe most successful new chapters become active in several programs. These include conducting formal CPCU and/or IIA classes in the immediate area; jointly sponsoring workshops with the national Society; and sending one or more chapter officers to the Leadership Summit. Other methods to ensure new chapter success include preparing a two-year activity plan that outlines programming, budgeting, and organization, as well as operating for a period of time as a subchapter of an existing strong chapter.

IncorporationSome chapters are incorporated while other chapters operate as unincorporated associations. Generally speaking, operation in the corporate form is more desirable because claims against an incorporated chapter are limited to the assets of the chapter rather than the assets of the chapter plus the assets of the individual members, as is generally the case with unincorporated associations and other entities operating under a fictitious or trade name. Such statutes usually require the listing of the names and addresses of all of the real parties in interest and supplemental filings each time a party is added or deleted from membership in the association or other entity.

Such registrations, and supplemental registrations, usually require the payment of a filing fee and the statutes generally provide penalties for failure to file such statements.

Legal RequirementsBecause the laws regarding both nonprofit corporations and nonprofit unincorporated associations vary among the 50 states and the District of Columbia, it is essential for each chapter to consult with legal counsel in the chapter’s state for advice as to the rights and obligations of the chapter either as a corporation or as an unincorporated association.

Dues AmountsOne common problem with chapter bylaws is the mention of a specific dollar amount for dues, or wording to the effect that dues will not exceed a specified amount. Inflation makes a dollar limit impractical, because any increase above the specific limit requires a time-consuming and expensive bylaws change. This problem can be eliminated by use of the recommended wording contained in Article VII, Section 2, in the Model Constitution.

NewChapterCategoriesSubchaptersFor chapters in large metropolitan areas where commuting is difficult, and for geographically scattered chapters where 10 or 20 members may be located miles from the base of the chapter, subchapters may provide an answer to involve more members in chapter activities. Subchapters are established by an existing Society chapter without need for the national Board’s approval. In other words, a subchapter is an informal operating unit of a chapter.

Operations: In many cases, subchapters operate their own budgets, engage in research projects, run workshops, hold I-Days, and otherwise involve CPCUs who are not able to participate regularly in the centrally located organization.

Leadership: Chapter officers regularly attend subchapter meetings and offer a stabilizing/ motivating influence. Chapter officers and chapter committee chairs representing each of the subchapters meet as often as necessary to coordinate activities and to give reports on


developments. During the subchapter’s formative stages, these meetings may be held monthly, except for the months of July and August, a time when most chapters are inactive.

StepsforaSubchaptertoApplyforChapterStatus 1. Have at least 10 members.

2. Leadership—have an established board with at least one strong leader to be president.

3. Chapter activities—plan and provide a schedule of meetings, community good works projects, or candidate recruitment and development activities.

4. File a plan and an application with the CPCU Society at least 60 days prior to the CPCU Society’s Board of Directors meeting.

5. File for incorporation and non-profit status as required.

6. Develop a strategic plan after CPCU Society board approval.

7. Communicate your plans and activities to members.

8. Obtain tax ID from the IRS.

9. Forward the bylaws, incorporation dues amount, and tax information to Malvern, PA headquarters.

10. Begin implementation of chapter activities.

Candidate Chapters When a group of CPCUs want to form a chapter in an area that doesn’t have a potential sponsoring chapter, it may elect to pursue the candidate chapter route to chapter formation. A candidate chapter operates as a chapter, with the Society’s Board of Directors’ approval, but does not have full chapter status, and will not receive its permanent charter until a suitable probationary period of successful operation has been accomplished.

SubchaptersApplyingforChapterStatusIn order to receive a chapter charter, application must be made to the Society’s Board of Directors. Applications should be submitted to Malvern at least 60 days prior to the Leadership Summit or Annual Meeting and Seminars. Submissions should include petition, proposed bylaws, constitution, forms ss-4, 1024, and 8718.


New Chapter Petition

To: Board of Directors The CPCU Society

The undersigned respectfully petition the Board of Directors of the CPCU Society for permission to create as of a Chapter

(date) (chapter name)

of the CPCU Society. The undersigned dues-paying members submit herewith a copy of a proposed constitution and bylaws to be adopted if this petition is approved.

Respectfully,

(typed or printed name) (minimum of 10 or more signatures)


Model Chapter Constitution(or Articles of Incorporation)

of the

_______________ Chapter of the CPCU Society

I. Name: The name of this organization (corporation) shall be the _______________ Chapter of the CPCU Society (Chartered Property Casualty Underwriters).

II. Purposes: The purposes for which this organization (corporation) is formed are:

A. To foster the continuing education of those engaged in property and casualty insurance.

B. To stimulate the interest of students contemplating professional careers in property and casualty insurance.

C. To lend encouragement to those aspiring to achieve the Chartered Property Casualty Underwriter designation.

D. To conduct seminars and other educational projects that will assist members of the Society in their professional development.

E. To cooperate with The Institutes in extending its influence and education program among the universities and colleges of the United States of America.

F. To maintain at all times the dignity and high professional standards that properly attach to the Chartered Property Casualty Underwriter designation.

G. To promote social and friendly relations among Chartered Property Casualty Underwriters.

H. To cooperate with national, regional, state, or local associations or organizations of persons engaged in property and casualty insurance, especially with respect to the education of their membership in sound insurance practices.

III. Nonprofit: No pecuniary gain or profit incidental or otherwise to members of the organization is contemplated. In the event of dissolution of the organization (corporation), the Board of Directors shall adopt a plan of distribution, which will provide for the distribution of assets remaining, after the payment of all debts, to or among one or more organizations not for profit, the purposes and functions of which are similar in character to those of this organization.

Note: All individuals contemplating formation of a chapter are advised that incorporation of the chapter is the preferred method of organization. Incorporating the organization provides limited liability whereas officers and directors of unincorporated associations may have their personal assets exposed to liability generated by improper acts of the chapter or one of its officers or directors.


(Please note these are sample bylaws to guide chapters. Changes may be made to accommodate chapter needs; however, any material changes must be clearly identified. Please send bylaw changes to the CPCU Society’s chapter services manager.)

PurposeSection1. The _____ CPCU Society Chapter is a not-for-profit organization, organized exclusively for educational purposes within the meaning of section 501(c)(6) of the Internal Revenue Code.

Section2. The CPCU Society is dedicated to meeting the career development needs of a diverse membership of professionals who have earned the CPCU designation, so they may serve others in a competent and ethical manner.

ArticleI.MembershipandDuesSection1. Membership. Any person who is a member in good standing of the CPCU Society may become a member of the _____ Chapter of the CPCU Society upon payment of chapter dues as established by the _____ Chapter’s Board of Directors.

Section2. Candidate Membership. All CPCU Society candidate members may join the local chapter. Candidate members will pay half the regular chapter member dues. Candidate members may not serve as officers, but may serve on committees and task forces.

Section3. Dues. Chapter dues are payable yearly. Members more than three months in arrears after payment is due shall be suspended from membership.

Section4. Termination of Membership. In the event of an expulsion of a CPCU Society member by the Board of Directors, membership in the _____ Chapter shall also terminate.

ArticleII.Officers,Directors,Committees,andTaskForcesSection1. Officers. The officers* of the _____ Chapter may consist of a president, a president-elect, a vice president, a secretary, and a treasurer. One person may hold the offices of secretary/ treasurer. The Board of Directors shall decide the makeup of chapter leadership positions.

At minimum the officers shall consist of a president and a treasurer.

* Chapters may operate by committee with the chapter board having equal responsibility. One committee member should be assigned the financial responsibilities.

Section2. Directors. The Board of Directors shall consist of the officers and:

(1) ____ additional elected directors.

(2) Ex-officio members.

Section3. The Chapter Board of Directors shall establish and appoint committees or task forces as necessary to carry on the purpose of the CPCU Society and the chapter.

Section4. Terms and Succession. Each officer shall each serve for a term of one year or two years or until his or her successor is elected and installed in office. The president and vice president shall not serve more than two full terms in succession in the same office.

ArticleIII.NominationsandElectionsSection1. Nominating Committee. A Nominating Committee, consisting of the immediate past president and two members appointed by the current president and chairman/chairwoman, shall present a nomination for each elective office at the chapter’s annual business meeting, after which other nominations may be made from the floor. Election shall be by a majority of the members present and voting. The election of chapter officers and directors shall be completed in accordance with the administrative rules of the CPCU Society in the Administrative Manual.

Section2. Vacancy. In the event of a resignation or incapacity of any officer or director (except the president and chairman/chairwoman), the Board of Directors shall designate a qualified member of the chapter to fill the office until the next regular opportunity available to the membership for the election of a successor. In the absence of the president and chairman/chairwoman due to any reason other than resignation or incapacity, the president-elect shall assume the duties of the president and chairman/chairwoman and if there is no

Model Chapter Bylaws


president-elect, then another officer appointed by the board shall assume the duties of the president and chairman/chairwoman. If the office of president and chairman/chairwoman shall become vacant during the term, due to resignation or incapacity, the president-elect shall immediately succeed to the office to serve for the balance of the unexpired term.

Section3. Removal. Officers and Directors may be removed for proper cause by a two-thirds affirmative vote of the Board of Directors. For any cause other than nonpayment of dues, a vote for removal shall occur only after the officer complained against has been advised of the complaint lodged and has been given reasonable opportunity for defense; and such officer, if removed, may appeal the decision of the Board of Directors to the Annual Business Meeting of the _____ Chapter provided that notice of intent of appeal is given to the president (or the president-elect if the complaint is against the president) at least thirty (30) days in advance of the meeting unless the decision of the Board of Directors is made within thirty (30) days prior to the Annual Business Meeting, then notice shall be given within a reasonable period of time. Only those charges brought by a voting member in writing will be considered.

ArticleIV.MeetingsoftheBoardofDirectorsSection1. Meetings. The Board of Directors shall meet formally at least twice a year to discharge its responsibilities as given in these bylaws. It shall also meet at such other times and places as may be determined by action of the Board of Directors, by call of the president and chairman/chairwoman, or by written request of two members of the Board of Directors. A written notice of the time and place of all formal meetings of the Board of Directors shall be mailed or sent by some acceptable electronic means to each member of the Board of Directors not less than five days prior to said meeting.

Section2. Quorum. A majority of the voting members of the Board of Directors shall

constitute a quorum for the transaction of business at a formal meeting.

Section3. Executive Committee. Between formal meetings of the Board of Directors, its policies shall be executed by an Executive Committee of the Board of Directors consisting of the officers of the chapter. The Executive Committee’s function shall embrace the handling of such matters as extend beyond the scope of the responsibility of any officer’s action alone, but shall be limited within the powers vested in the Executive Committee; and by such additional powers as may be delegated to said committee by action of the Board of Directors. All acts of the Executive Committee shall be subject to ratification by the Board of Directors at its next formal meeting.

Section4. Authority of Board. Subject to the ultimate authority that vests in the membership of the _____ Chapter, the Board of Directors shall define the policies consistent with that of the CPCU Society and shall have full administrative direction of the chapter. The Board of Directors may appoint an executive secretary, or other administrative officer, to execute the business of the chapter. The Board of Directors may delegate such powers as it deems desirable to any officer or to the Executive Committee.

ArticleV.DutiesofOfficersSection1. President. The president shall preside at all meetings of the _____ Chapter and act as Chair of the Board of Directors and of the Executive Committee. The president shall serve as chief executive officer, exercising general supervision over the work and activities of the chapter, and perform such other duties as usually pertain to the office of president. The president, acting as Chair of the Board of Directors, shall not vote as a director except in the event of an equal number of affirmative and negative votes for or against a proposal before the Board of Directors.

Section2. President-Elect or Vice President. In the absence or incapacity of the president, the president-elect shall perform the duties of, and have the same authority as, the president. The president-elect shall also perform such


other duties as usually pertain to the office of president-elect.

Section3. Secretary. The secretary shall act as secretary at all meetings of the _____ Chapter, the Board of Directors, and the Executive Committee, and keep a permanent record of their proceedings. The secretary shall also perform such other duties as usually pertain to the office of secretary.

Section4. Treasurer. Periodic financial statements shall be submitted to the Board of Directors and members. Books and accounts of the treasurer shall at all times be open to the inspection of any member and of any authorized auditor. The treasurer shall also perform such other duties as usually pertain to the office of treasurer.

Section5. Other Duties. All officers shall perform such other duties as may be assigned to them by the Board of Directors. The Board of Directors shall assign responsibility for oversight of task forces.

Revise if both president-elect or vice presidents are contemplated.

ArticleVI.FiscalPoliciesSection1. Fiscal. The fiscal year shall coincide with the chapter officers’ term unless designated by the Board of Directors.

Section2. Dues. The Board of Directors shall determine dues of the _____ Chapter and the amount shall be communicated to the CPCU Society office for billing purposes.

Section3. Dues Billings. The CPCU Society office individually invoices and collects both Society and chapter dues, remitting local dues periodically to the chapter treasurer.

Section4. Waiver of Dues. The _____ Chapter Board of Directors shall be vested with discretion and authority to waive for valid cause all or any portion of the chapter dues of any member. (Note: One purpose of this provision is to allow chapters to waive chapter dues for retired persons who have chosen the lifetime retired membership status or to charge the regular chapter dues for those retired

members who pay annual Society dues at the retired membership rate.)

Section5. Deposits. Funds of this chapter shall be deposited in institutions designated by the Board of Directors.

Section6. Budget. The Board of Directors may, prior to the beginning of each fiscal year, prepare an annual budget for the approval of the membership.

Section7. Authorized Signatures. All disbursements shall be made by voucher check, showing the payee, the item of service rendered or materials purchased, and the amount of payment. All checks over $_____ shall be signed by two members of the Board of Directors, one of which shall be the president or president-elect. In case of the absence or incapacity of the persons authorized to sign checks, the Board of Directors shall designate the substitutes. Officers authorized to sign checks shall give bond for the faithful discharge of their trust in such sums and with such sureties as the Board of Directors may require. (Note: The Society provides this.)

Section8. Aggregate Disbursements. Aggregate disbursements in any fiscal year shall not exceed the gross amount of the chapter’s annual budget, unless authorized by the affirmative vote of a majority of the voting members of the Board of Directors.

Section9. Investments. The Board of Directors shall direct the investment of the assets of the chapter.

ArticleVII.AmendmentsandRatificationsSection1. Chapter Constitution and Bylaws Changes. The constitution and bylaws of the _____ Chapter may be amended in the following manner:

(1) Any proposed amendment must first be approved by two-thirds of the voting membership of the Board of Directors or by a petition signed by at least one-third of the entire membership.


(2) Upon such approval, or petition filed with the secretary for the chapter, a copy of the proposed amendment shall be sent to the membership with a return mailer addressed to the vice president of member and professional services, or with provisions for returning the member’s personally signed vote by some other means (e.g., faxing, emailing). (If the chapter has a paid executive secretary or other administrative officer, the chapter may want to include a provision that allows the secretary to designate that the votes be returned to that person.)

(3) Members shall express their desire to ratify or reject such proposed amendment by personally signed vote, which must be returned within four weeks of the date on which the proposed amendment was sent to the membership.

(4) At the end of the four-week period specified above, the proposed amendment shall be deemed ratified by the membership only in the event that at least two-thirds of the voting membership shall cast affirmative ballots.

(5) When the _____ Chapter amends its constitution or bylaws as approved by the Board of Directors of the CPCU Society, the chapter shall file within 30 days a revised copy with the secretary/treasurer of the CPCU Society and no such amendments shall be effective until approved by the Board of Directors of the CPCU Society.

(6) Dissolution of the chapter shall be under the supervision of the CPCU Society Board of Directors.

Section2. Validity of Bylaws. In the event a court of competent jurisdiction shall hold a portion of these bylaws to be invalid, the remainder of the bylaws not so held invalid shall be considered in full force and effect.

Charter and bylaws of the _____ Chapter are hereby approved by action of the Board of Directors of the CPCU Society this _____ day of _____, _____ at _____.

Secretary/Treasurer CPCU Society


EthicsCodesofEthicsTwo codes of ethics apply to most CPCUs, one administered by the CPCU Society and the other by the The Institutes. In September 1976, the membership of the Society approved a code of ethics, in Section 5 of Article IV of its bylaws. The provisions of this code govern the handling of complaints against Society members.

In June 1976, the Board of Trustees of The Institutes adopted the Code of Professional Ethics of The Institutes. The provisions of this code govern the handling of complaints against all CPCUs, whether or not they are Society members, who became CPCUs in 1976 or later. This Code also applies to the great majority of earlier CPCUs who voluntarily agreed to be bound by the code when it was introduced. This code sets both general ethical standards entitled “Canons” and specific ethical standards entitled “Rules of Professional Conduct” prescribing the minimum level of ethical conduct required of every person subject to the code. A violation of the rules may lead to disciplinary action resulting in penalties ranging from private admonition to revocation or suspension of the privilege to use the CPCU designation, depending on the severity of the offense. Any person whose CPCU designation is suspended or revoked is no longer a CPCU and is therefore ineligible to become or remain a member of the CPCU Society. This code is implemented by guidelines, hypothetical case studies, opinions, and disciplinary rules, and is administered by the Board of Ethical Inquiry and the Ethics Policy Committee of The Institutes.

MisconductIn the event that a chapter officer receives a general inquiry regarding an ethics problem involving a CPCU, the inquirer’s attention should first be directed to the Code of Professional Ethics of The Institutes, part of CPCU study materials since 1976. Any formal complaint should be submitted to the Ethics Counsel of The Institutes. If a member believes that another member of the Society

has violated the Society’s code of ethics, he or she may also submit a written, signed request for an inquiry, per section 5 of Article IV. The president of the Society will appoint the necessary committees to undertake the inquiry as outlined in the Society’s code of ethics. If it is determined that the Society member is guilty of a violation of the Society’s code of ethics, the Board of Directors has the authority to expel, suspend, censure, or reprimand the member. Refer to the bylaws for a full explanation of the procedures under Article IV, section 5.

The CPCU Society Board of Directors can only take action against a CPCU who is a member of the Society. Cases of a non-CPCU using the designation should be referred to the The Institutes.

UseoftheCPCUDesignationandCPCUKeyChapters are encouraged to pay particular attention to Rule 8.1, Guidelines for Use of the CPCU Designation and CPCU Key. Rule 8.1 of the Code of Professional Ethics of The Institutes stipulates that “a CPCU shall use the CPCU designation and the CPCU key only in accordance with the relevant GUIDELINES, promulgated by The Institutes.” These GUIDELINES, which define and impose restrictions upon the privilege to use the CPCU designation and key, are set forth on the following page. They are designed to prevent undignified commercialization of the designation, unfair comparisons with able and well-established insurance practitioners who do not hold the designation, and other unethical practices that are inconsistent with the professional concepts that CPCU represents. Specifically, every CPCU has an ethical obligation to comply with the following minimum standards:

A. The designation Chartered Property Casualty Underwriter, the initials CPCU, and the CPCU key may be used only in a dignified and professional manner.


1. The designation or initials may be used after the holder’s name on business cards, stationery, office advertising, signed articles, business and professional listings, and telephone listings, except where such use would conflict with the provisions of subparagraph A.3 below.

2. The CPCU key (actual size or reduced, but not enlarged) may be imprinted only on business cards and stationery used exclusively by CPCUs. Copies of the CPCU key suitable for reproduction are available from The Institutes.

3. The CPCU designation being personal in nature, the designation itself, the initials CPCU, and the CPCU key are not to be used as part of a firm, partnership, or corporation name, trademark, or logo, except by The Institutes.

B. The designation Chartered Property Casualty Underwriter, the initials CPCU, and the CPCU key may be used to announce the conferment of the designation.

1. News releases prepared by The Institutes are mailed to all new CPCUs at the time of the national conferment. Only these approved releases, with the addition of personal biographic information, may be used by individual CPCU designees in preparing material for the business and community press.

2. The Institutes encourages employers of new designees to publish articles congratulating new designees in employer publications. The Institutes can verify the names of new designees. Copies of the CPCU key are available from The Institutes for reproduction in such articles.

3. The Institutes encourages the appearance of dignified advertisements congratulating new designees on earning the CPCU designation. Copies of the CPCU key are available from The Institutes for reproduction in such advertisements. These advertisements must be strictly congratulatory in nature, however, and should not include the business conducted by the firm, the lines of insurance carried by the firm, the firm’s telephone number, or any copy soliciting business.

C. The designation Chartered Property Casualty Underwriter, the initials CPCU, and the CPCU key may be used by the CPCU Society in a manner that complies with the Rules and Guidelines of The Institutes’ Code of Professional Ethics and that has first been approved in writing by the Ethics Counsel of The Institutes.

D. The CPCU Society sells CPCU jewelry and other items bearing the CPCU designation and/or key. The Society obtains approval from The Institutes before selling such items, unless they reflect the CPCU Society logo rather than the CPCU letters or key. The designation Chartered Property Casualty Underwriter, the initials CPCU, and the CPCU key may not be used in any manner that violates a Rule of the Code of Professional Ethics. Rules 8.2, 8.3, and 8.4 deserve special mention in this context, since they relate directly to, and impose restrictions upon, the privilege to use the CPCU designation.

E. The designation Chartered Property Casualty Underwriter, the initials CPCU, and the CPCU key may be used in any other manner that has received prior approval in writing from the Ethics Counsel of The Institutes. The Guidelines applicable to business cards, stationery, office listings, signed articles, business and professional listings, and telephone listings also apply to usage on


web pages by CPCUs or organizations employing CPCUs. Among other things, CPCU keys should not be enlarged, the designation should relate only to individual designation-holders (not the firm), and any explanation should not directly or indirectly overstate the nature of the designation. All usage should be professional and dignified in nature.

The Institutes, the CPCU Society, and CPCU Society chapters may use the designation Chartered Property Casualty Underwriter, the initials CPCU, and the CPCU key on a web page, where they may also use the designation or initials as part of the organization name, provided the usage is otherwise consistent with these guidelines.

Any questions regarding the appropriateness of existing or draft web pages in this regard may be directed to the Ethics Counsel of The Institutes.

CPCU Society chapters, as well as the CPCU Society and The Institutes may use the initials CPCU, whether upper or lower case, by themselves or within a longer address as part of a web page or email address. Other individuals or organizations are not permitted this use.

Likewise, CPCU Society chapters, the CPCU Society, and The Institutes are the only parties authorized to use the initials CPCU as part of a telephone “number” in advertisements, publications, or other things.

Any questions regarding these interpretations of the Guidelines should be directed to The Institutes’s Board of Ethical Inquiry. A prompt response will be made to all such requests.

Note: The “CPCU key” and letters “CPCU” are registered service marks of The Institutes.

Chapter AnniversariesAn anniversary is an excellent event to focus public attention on the chapter, the Society, and individual CPCUs. It is also a good opportunity to sponsor an extraordinary educational experience for the local insurance community. An anniversary luncheon or dinner can serve as the major event. A specially planned function with a distinguished speaker, either from the industry or outside, is a custom-built news event.

News releases announcing the anniversary celebration should be sent to the local media and the trade press. Have a photographer at the event to provide photos to the local media and the trade press with a wrap-up story and a copy of the principal speaker’s remarks. Personally deliver the news release to local television stations and invite TV coverage of the affair. See the business editor or the Sunday feature editor on the possibility of an article on the chapter and CPCU. Most chapters celebrate every fifth anniversary.

HistoriesSome chapters, while looking to the future, have paused during their anniversary year to look back. A brief history of the chapter and its distinguished members is a good project. Chapters are urged to appoint a historian to keep historical records. An attractive history, with a limited distribution in the local insurance community, can be beneficial for recognition of the chapter and the designation. Make sure a copy is sent to the Society office for preservation in the archives.


The CPCU Society has numerous programs to assist chapters in their activities. You may contact the Member Resource Center for information on many of the products and services, or contact the staff member listed below each program name. Please take advantage of these many programs.

Advertising/Public Relations ImportanceofthePRProgramThe CPCU Society manages a public relations program on a national level, and relies on the chapters to conduct effective public relation programs locally and regionally. A key goal of the PR program is to increase the visibility of the CPCU designation to insurance professionals within the industry, as well as to business professionals and consumers in the general public.

Annual Meeting and SeminarsThe Society’s Annual Meeting and Seminars is a national program conducted by the Society in partnership with the host chapter. The primary purpose for the Annual Meeting and Seminars is to establish an opportunity for all CPCUs to acquire increased knowledge through general sessions, seminar discussions, and educational exhibits, while complying with the provisions of the bylaws that require an Annual Meeting.

All inquiries regarding information on the Annual Meeting and Seminars should be directed to the vice president-finance and administration, or the meeting services director at the Society office.

Circle of Excellence Recognition ProgramThis program recognizes all chapters for their efforts to achieve specific benchmarks in chapter performance. Chapters achieving the Circle of Excellence are recognized for advancing the goals of the CPCU Society’s Strategic Plan, as well as their creativity in problem solving and new ideas.

Candidate Recruitment & Development Recruiting CPCU candidates creates a pool of potential members for your chapter. Contact national headquarters for ideas to help develop and maintain programs to encourage professionals to obtain the CPCU designation.

Candidate MembershipCPCU candidates who meet the qualification for membership may join national and the local chapter. Applications and information on benefits may be obtained by contacting the Member Resource Center, or on the website.

Conferment/Recognition Ceremonies Each year, most new CPCUs are conferred at the conferment ceremony at the Annual Meetings and Seminars.

While the recognition at the national meeting is appreciated, many chapters traditionally sponsor local recognition ceremonies honoring new CPCUs from their chapters. Many chapters currently provide some token of recognition to their new CPCUs, such as CPCU pins or other items appropriate for the occasion. National and regional Society officers, as well as representatives of The Institutes, often participate in honoring the new CPCUs.

A communication is sent to all chapter presidents annually in March reminding them to inform the Society’s chapter services manager of any plans for local recognition ceremonies and to request a national representative, if needed. When the chapter responds to this request, the Society will notify The Institutes, who will then furnish the chapter with a complete set of guidelines for conducting a recognition or conferment ceremony.

Many chapters sponsor I-Days and choose to have the recognition ceremonies take place during a luncheon or dinner at that event. Other chapters hold special meetings, usually including a luncheon or dinner, dedicated to honoring new CPCUs.

IV. Chapter Activities


RequestingaCPCUSocietyorRegionalRepresentativeAuthorizedtoConducttheRecognitionCeremonyAs soon as a date has been set, write, email, or call the Society’s chapter services manager to request a representative to officiate at the ceremony. In the request, indicate the date, time, and type of function to be held (all-industry luncheon, chapter dinner, or meeting) and the name of the principal speaker, if any.

People authorized to conduct these ceremonies include academic and administrative executives of The Institutes, current officers of the CPCU Society, trustees of The Institute’s board, and current CPCU Society directors. Chapters may request a specific authorized individual or make a general request for any officer who is available.

Connections Program The CPCU Society’s Corporate Connections campaign is an essential program to help increase CPCU visibility in the industry. The purpose of the Connections program is to promote the image and value of the designation to employers so they continue or increase their current level of support—such as paying member dues, underwriting Annual Meeting attendance, and subsidizing chapter participation. Since employers pay for more than 80 percent of member dues, they are an important customer to be cultivated.

WhyMakeConnectionsVisitsThe CPCU Society asks all local chapter officers to make this part of their annual ritual and make two local Connections visits. Here are a few good reasons to make these visits:

• potential for increased company support

• more company support translates to more active members and meeting attendees

• a prime networking opportunity for you

• helps polish presentation skills

• a chance to recruit potential meeting speakers

• support for the chapter

MakingaConnectionsVisitThere are typically two kinds of Connections visits—the “thank you for your support visit” and the “increase company support visit.” You may make both types of visits on your own; however, CPCU Society officers or your director may be available to help you with visits depending on their schedules. The priority is to visit the companies with weaker support to reinforce CPCU and Society awareness and value, resulting in improved support. The individuals you should target to meet with are key executive decision makers such as the CEO, president, vice president of human resources, or the vice president of training and development. Each year the Society prioritizes employers for the CPCU Society officers to visit. The CPCU Society welcomes member input regarding establishing employers to be visited. Chapter kits are available to assist chapters in making regional employer visits.

HowtheCPCUSocietyCanHelpYou 1. Call the Society’s marketing manager at

(800) 932-CPCU (2728), ext. 2756 to let the Society staff know you have suggestions on employers to be visited.

2. Call the marketing manager at (800) 932-CPCU (2728), ext. 2756 to request a special Chapter Connections Visitation Kit to help prepare you for your visit.

3. If needed, you may request a CPCU Society officer or director to participate in the visit.

4. For a “strong supporter” visit, request a customized Excellence Certificate to present during your visit.

Enthusiastic CPCUs in the local insurance community function as an integral part of the Society’s Connections campaign. Please make Connections visits a priority for your chapter during the coming year, and feel free to contact the marketing manager for any assistance.

Continuing Education A major focus of the CPCU Society is professional education. The Society encourages and endorses professional education programs not only for CPCUs, but for non-CPCUs as well, including all members of the insurance


industry, producers, company personnel, risk managers, support staff, business people in general, and the public. All CPCU chapter officers should make continuing education a priority among chapter activities.

ClassSponsorshipOne example of chapter continuing education is sponsorship of area CPCU/IIA programs, typically in the form of promoting, coordinating, and staffing local CPCU/IIA classes. This particular activity is done with guidance and assistance from The Institutes.

For information on organizing and sponsoring CPCU/IIA classes, contact the Customer Service Center, The Institutes, 720 Providence Road, Malvern, PA 19355, (800) 644-2101.

WhyYourChapterShouldSponsoraContinuingEducationProgramThe key to success in today’s fast-moving insurance industry is professionalism; and the cornerstone of professionalism is education. To help your chapter promote professionalism throughout the industry, the CPCU Society presents educational programs each year that individual chapters may cosponsor. Both CPCU Society National Leadership Institute courses and technical programs are available.

Sponsoring a continuing education program provides several benefits to you and your chapter. The timely topics and informed speakers will offer you practical, up-to-date knowledge on important issues. Sponsoring a program will increase your chapter’s visibility, promote the CPCU designation, and count as qualification for a Circle of Excellence activity. In addition, your chapter may earn extra money for your treasury by sponsoring a successful program.

ThingstoConsiderinSchedulingaProgramforYourChapterPlanning:Allow at least five to six months between the time you notify the CPCU Society office and the date of the program. This provides time to produce and promote the program properly.

Remember: The more time you allow, the more public recognition your program will get and

the better your attendance will be.

Date: Select several alternate dates during the projected time frame. It is often necessary to juggle dates to obtain meeting space. Try to avoid any conflicts with programs sponsored by other insurance organizations.

Location: Recommendations from your chapter concerning location and meeting space are extremely helpful. Consider population, accessibility, cost, parking, and general appeal of the facility. The CPCU Society office will do all contracting for meeting space using your recommendations as a reference.

Pricing: The registration fee will fluctuate depending on options you would like to include. The fixed costs to be considered always include promotion and postage, speaker expenses, meeting room rental, refreshment breaks, classroom handout materials, continuing education filing fees, and an administrative expense. Optional items you may wish to include that will increase expenses are lunches, receptions, dinners, or specialty refreshment breaks. The Society’s continuing education coordinating manager will develop several budgets for you to consider. These are shared programs and we will work with you to make your program a success.

WorkshopandSeminarFinancialOptions: The Society has two chapter-share options available for your consideration:

• Option 1: Your chapter shares net income (loss) on a 50/50 basis with the CPCU Society.*

• Option 2: Your chapter receives $10 for each paid attendee.*

* Financial options 1 and 2 are triggered by a benchmark minimum balance of 40 participants.

ContinuingEducationCreditsApplications will be filed in states where a continuing education requirement exists for licensed agents and brokers. Credits will be granted for Continuing Professional Development (CPD). Reaccredidation credits for AAIs are also available for all programs. Certain programs are also filed for CLE credits for lawyers; CPE credits for CPAs; and


for licensed claims adjusters. Actual credits granted will vary by program. Filing may be rejected and no credit given. If you would like to cosponsor a program, call the Society’s continuing education department.

TypesofProgramsWorkshop

• half-day in length

• choice of topics(s)

• registration includes: instruction, handout materials, lunch (optional), and refreshment breaks

Seminar

• one day in length

• choice of topic(s)

• registration includes: instruction, handout materials, lunch (optional), and refreshment breaks

Symposium

• one-half to two days in length

• in-depth single topic or multiple topics

• registration includes: speakers/panel, handout materials, lunch, dinner/reception (optional), refreshment breaks, special networking events (optional)

• developed in coordination with CPCU Society interest sections

ChapterResponsibilities • fully endorsing and supporting the

workshop

• actively promoting the program

• requesting state insurance associations to piggyback brochure mailings, and providing the CPCU Society with appropriate names, addresses, dates, and numbers for these mailings

• checking with other state and local insurance groups to be sure there are no conflicting programs scheduled in the area

• acting as host for speaker(s)

• providing on-site assistance on the day of the program, at the registration area, and during the program as needed

SocietyResponsibilities • providing program content and speakers

• developing handout materials

• filing programs for state CE credits, where appropriate

• preparing and mailing program promotional brochures

• receiving and processing all registrations

• issuing CE certificates

ContinuingEducationFilingServiceThe CPCU Society is available to file education programs developed by your chapter. CE credits are a valuable service to members and can help boost attendance.

We can make the process easy for you and eliminate your need to pay provider fees and complete state filing paperwork.

To take advantage of this program, you simply need to submit the following items to the CPCU Society’s Continuing Education Department 90 days prior to your event. (Note: If your state has a 90- or 120-day filing requirement, we will need the information at least 10 days prior to that deadline.)

• program outline, with time increments, as well as breaks, clearly defined

• learning objectives of the course

• copy of brochure/flyer with specific location, phone number, and course time

• name of on-site coordinator

• instructor bio/résumé

• other program details where available

The cost of the service is a $100 administrative fee per course per state filed, plus individual state course and/or instructor filing fees.

We will also be willing to provide certificates for attendees as currently handled for our local co-sponsored workshops. Attendee certificate and roster fees will vary by state.

If you are interested in this service, please contact the Society’s Continuing Education Department.

Continuing Professional


Development (CPD) In 1983, the CPCU Society established a voluntary Continuing Professional Development (CPD) program to enable CPCUs to gain recognition for their efforts in the field of continuing education.

The administration of the program is handled by the Continuing Professional Development Committee and consists of representatives of both the CPCU Society and The Institutes. The committee has the authority to adopt administrative rules.

The purpose of the program is to encourage all CPCUs to continue their personal and professional development beyond the designation and to recognize in some formal manner those CPCUs who do.

Approximately 20 percent of the active membership currently are qualified under the Continuing Professional Development Program. The qualifications for earning CPD are revised and updated on a periodic basis.

Requests for the current CPD application forms or questions concerning the program should be directed to the CPD coordinator, American Institute for Chartered Property Casualty Underwriters, 720 Providence Road, Malvern, PA 19355-0770, (610) 644-2100 ext. 7560. An online CPD submission tool and the CPD application are also available on the CPCU Society’s website at www.cpcusociety.org.

Address ChangesIt is the chapter secretary’s responsibility to promptly notify the Society’s Member Resource Center of any new addresses or name changes of chapter members. The secretary also should check the membership list semiannually for errors and report these to the Society. See the Appendix for a copy of the chapter member address change form.

Deceased MembersPrompt notification in writing of death is important in order to remove the individual from mailing lists. Chapter officers should send a letter, or a copy of the obituary, to the Society’s Member Resource Center.

Name ChangeA member may change his or her name by notifying the Member Resource Center in writing. A member resource representative will send the member a simple form to complete, sign, and return if the name change is for marriage, divorce, or to correct a spelling error. If the change is for another reason, a signed and notarized affidavit is needed stating reason for the change.

Dues The dues for CPCU Society membership, including chapter and CPCU Society dues, are billed from the Society office in October. Chapter dues, less the insurance assessment, are forwarded to the chapter treasurer periodically. Included with this check is a listing of those chapter members who have paid dues. Changes in chapter dues must conform to the chapter’s bylaws. Any changes must be made in writing to the chapter services manager prior to September 1, to be implemented for the following year.

If a member changes chapter affiliation, except as noted below, the Society makes no provisions for transfers of funds.

If a chapter change is made prior to the payment of chapter dues to the former chapter, the refund will be credited to the member’s new chapter. If a move is made after the payment is credited to the old chapter, the chapters concerned may wish to make arrangements for transfer of funds on a mutually agreeable basis. For more information, contact the Society’s Member Resource Center at (800) 932-2728, option 4.


Retired/Disabled MembershipWhen a CPCU Society member reaches retirement or is disabled, he or she can enjoy member benefits at a reduced cost. Two types of memberships are available:

RegularRetired: Members who have reached age 62 and are retired from full and active employment.

LifetimeRetired: Members who are eligible for Regular Retired membership may enjoy the privileges of lifetime membership within the Society by making a onetime payment of 300 percent of the then-current Society dues, provided the applicant has been a regular or retired member for 15 consecutive years prior to application for lifetime retired status.

(See page 59 for a sample application for retired/lifetime retired/disabled membership.)

Each chapter should establish its retired dues policies. Many chapters match the CPCU Society dues policies at the local level. Chapters have the option of billing either full dues or 50 percent of dues, or waiving the dues for regular retired members. Chapters may charge full dues or waive dues for lifetime members. Any changes to the chapter’s retired dues policies should be submitted, in writing, to the chapter services manager at the Society.

Ethics Awareness MonthEach year in March, Ethics Awareness Month is observed. The CPCU Society, The Institutes, The Insurance Institute for Applied Ethics, The American College, and the American Society of Financial Services Professionals join forces to increase the awareness and practice of high ethical standards throughout the insurance industry.

Ethics activities are conducted by many chapters throughout the month of March. The CPCU Society has developed a program that can be used as a basis for panel discussions. There is also an information packet available to help chapters promote Ethics Awareness Month. The program materials and other related information are mailed to chapter presidents each January.

All-Industry Days (I-Days) Following The Institutes conferment exercises at the Annual Meeting and Seminars, chapters sponsor local annual All-Industry Days (I-Days) in the form of a conferment luncheon, and often, accompanying seminars. In some cases, the seminars run a half day, and in others, all day. Some chapters run as many as eight concurrent educational sessions at their I-Days, while others conduct just one. The planning and execution of an I-Day require the involvement of many chapter members.

PurposeThe purpose of the local conferment is to recognize those CPCU designees who were not able to attend the Annual Meeting and Seminars, and to recognize locally those who did. The CPCU Society can arrange a speaker to address attendees and an official to handle the conferment. (See page 67 for an approved diploma presentation script.) Many chapters purchase CPCU pins as gifts for new CPCUs.

PromotionSome chapters publish a promotional brochure with a registration form for I-Day programs. For more information, contact the chapter services manager.

CPCUDaySome chapters ask their cities or states to set aside a particular day as “CPCU Day.” A request is made to the mayor or the director to proclaim “CPCU Day” and he or she is invited to read the proclamation at the luncheon. If unable to attend, the official will send a designated representative. In addition, most of the chapters invite the insurance commissioner or a representative, and the president of other local organizations including CLU, CPA, NAIW, RIMS, or medical and legal groups to sit at the head table. Some chapters present a “Person of the Year” award. Most chapters have pictures taken and invite the press.

Meetings Chapter meetings generally fall into four categories: educational, joint with other groups, business, or social. The chapter’s governor


and Society staff have interesting suggestions for programs and speakers. Periodically, new programs designed as the basis for chapter meetings are announced in the Chapter Leader News.

JointMeetingsEach year a number of chapters hold joint chapter meetings with chapters of other insurance industry organizations and professional associations in other industries, such as lawyers and accountants. These meetings serve to broaden the acquaintance of the members with other groups and professionals. Such meetings spread knowledge of CPCU to the Society’s companion professional organizations.

While many chapters use speakers for joint meetings, a simpler format may be more desirable, especially for a first joint meeting with another group. This format consists of two 10- to 15-minute presentations, one by a member of the chapter and one by a member of the other group, explaining the aims and purposes of each organization.

SpeakersThe vice president of member and professional services can assist the chapter in arranging speakers for chapter activities and inform the chapter of the requirements of particular speakers in terms of honorariums and/or expenses and availability. For a speaker who does not require an honorarium, some small gift or token of appreciation is usually in order. Guidelines for speaker arrangements are also available.

OtherEventsEvery chapter holds an annual business meeting and the majority of chapters hold one major social event a year. These may be anything from dinner dances to golf outings to magic shows to picnics. They often are held in the spring and involve CPCU candidates and their spouses/guests. Experience shows these social activities often draw a chapter together and help involve the new or potential members of the chapter.

DisclaimerReminderChapters are reminded that in order to avoid possible problems with a speaker, that a disclaimer should be used at I-Days, chapter meetings, chaptergrams, or the website. The following disclaimer is recommended:

Theviewsandopinionsofthespeaker(orauthor)arehisorherownandnotnecessarilysharedbytheofficersandmembersoftheCPCUSocietyandchapters.

While it is important to express all points of view, using a disclaimer will help protect the chapter if put in an embarrassing position due to a speaker’s comments.

New Designees IdentifyingaChapter’sNewCPCUsA CPCU completer list is available on the Society’s website. Chapter officers may decide to make a presentation to honor new CPCUs in their chapter.

NewDesigneesNew designees are candidates who have received their CPCU designations within the past year. They are sent information on when they are officially allowed to use their designations from The Institutes.

The CPCU Society sends each class of new designees a kit explaining the benefits of membership and inviting them to join the Society.

The New Designee Task Force is the group that oversees the new designee program.

Chapters may designate representatives within their chapters to head the new designee program on the chapter level.

CPCU Society Service If you’ve served on local chapter committees and held chapter office, it’s time to consider CPCU Society service. Usually, members serve as chapter officers, then as members of committees or task forces, and then move to service on the Society’s Board of Directors or Executive Committee.


In addition to the networking, learning and fellowship opportunities that CPCU Society service offers, Society service is an opportunity to hone leadership skills that translate to career enhancement, and to give something back to the organization and the industry.

StandingCommitteesandInterestGroupCommitteesCPCUs are invited to submit an Application for CPCU Society Service if they are interested in serving as a member or chair of one of the 14 interest group committees, or one of the following standing committees: Budget & Finance; Ethics; Nominating; or Diversity. The CPCU Society’s committees meet at least twice a year, at the Leadership Summit and at the Annual Meeting and Seminars. Interest Group committees are the Agent & Broker Interest Group; Claims Interest Group; Coverage, Litigators, Educators & Witnessses (CLEW) Interest Group; Excess/Surplus/Specialty Lines Interest Group; Information Technology Interest Group; International Insurance Interest Group; Leadership & Managerial Excellence Interest Group; Loss Control Interest Group; Personal Lines Interest Group; Regulatory & Legislative Interest Group; Reinsurance Interest Group; Retirement Resource Interest Group; Risk Management Interest Group; and Underwriting Interest Group.

TaskForcesAs the Board of Directors identifies projects to advance the Society’s strategic objectives, it will create and populate task forces as appropriate from a pool of member volunteers. Suggestions for projects and/or task forces can originate from any Society member; however, only the Society president and the Board can create or disband a task force. CPCUs are invited to submit a Volunteer Leader Profile to be considered for service on a task force.

TheProcessforApplyingforCPCUSocietyServiceTo apply for one of the above leadership positions, complete either an “Application for CPCU Society Service” form or a Volunteer Leader Profile. (See appendix, page 72, for

sample Application for National Service form or appendix page 74 for a sample Volunteer Leader Profile.)

Member BenefitsGroup Insurance

The Society has established a program of group insurance for members. The programs currently available are:

• Group Disability Income Insurance

• Group Term Life Insurance for members and dependents

• Personal Accident Insurance for members and dependents

• Supplemental Hospital Insurance for members and dependents

• Excess Major Medical Coverage

• Long-Term Health Care

• Short-Term Medical Insurance

Program brochures are available from the Hays Companies at (866) 312-4297, or for long-term care call (877) 582-2732. Questions concerning these coverages should be addressed to the Chapter Services Department at the Society. Information is also available on the Society’s website, www.cpcusociety.org.

MasterCardandVisaMembers may apply for a CPCU Society Gold MasterCard or Visa, with no annual fee. With a competitive annual percentage rate, the card also provides travel privileges, visibility, and numerous other advantages. Applications may be requested from the Society office.

NationalJobNetworkThe CPCU Society’s National Job Network is an important member benefit that provides CPCUs, employers, and recruiters with an effective online tool for matching professional skills with exciting career opportunities. The Society wants to offer its members more than just a job board; we want to be your career management resource.


In an effort to provide our members with a comprehensive career management resource, we offer additional links leading to insurance-related jobs, résumé-writing tips, job interviewing hints, recruiter sites, and many more related sites. As our website continues to grow and evolve, we will strive to maintain the resources that insurance professionals find necessary in managing their career.

For career advice and to visit our job network, visit the CPCU Society website at www.cpcusociety.org and click on “Career Center/Job Network,” then click “National Job Network.”

ConferencingServicesConferencing services are available at very competitive rates. Included are conferencing, email, and fax services.

Chapter members may find that this service can be a viable alternative to face-to-face board meetings. Learn more at the A+ Conferencing website www.aplusconferencing.com.

CreditandDebitCardProcessingServicesCredit and debit card processing services are available at very reasonable rates. Chapter members may find this service a convenient way to process payments for programs. This service is available to any member who is involved in a service or business in which credit card processing is needed.

For more information on this First National Merchant Solutions program, call (800) 354-3988 or visit First National’s website at www.FirstNationalMerchants.com.

CPCU eJournalThe CPCU eJournal provides a medium for the expression of opinion and the presentation of articles on insurance and related subjects. The CPCU eJournal is currently available electronically from the CPCU Society website.

All previously unpublished manuscripts relating to current issues in the field of insurance, or containing material of historical significance, will receive consideration by the editor. Manuscripts should be between

10 and 30 pages in length, typed, and double spaced. Longer or shorter manuscripts may be considered, depending upon the subject matter. Manuscripts or communications should be sent to the managing editor of the CPCU eJournal at the Society office.

e-LINKe-LINK is the CPCU Society’s monthly e-newsletter featuring the most current news from the Society, with direct links to the CPCU Society website. Each issue of e-LINK includes up-to-the-minute information about Society programs, educational events, professional development resources and member benefits. To view the latest issue of e-LINK, visit the CPCU Society website at www.cpcusociety.org.

CPCU NewsThe CPCU News is published five times a year by the Society, and carries articles reporting the activities of individual CPCUs, chapters, and the national Society. Distributed to all members, this publication serves as a major communication link between the Society and its members. All articles and notes of interest should be submitted to the editor of the CPCU News at the Society office.

CPCU Society YearbookPublished annually, the CPCU Society Yearbook recognizes the year’s new designees and is available at the Annual Meeting and Seminars.

Join the many insurance companies and CPCU Society chapters in recognition of the CPCU designation with a congratulatory ad in the CPCU Society Yearbook.

Show your members that your chapter excels at recognizing their hard work.

Chapters receive a 50 percent discount on yearbook ads. Contact the sales manager at the Society office for more information.

MembershipDirectoryAn electronic version of the membership directory is available on the Society website at www.cpcusociety.org. The directory contains listings of all Society members and their addresses, phone and fax numbers, email


addresses, new designees, officers and interest group members.

Research ProjectsMany chapters conduct research studies to deliver new and useful information to members. Projects qualify as an activity under the Circle of Excellence Recognition Program. Guidelines are available from the Member Resource Center.

Special Interest Groups Society members may join any of the Society’s professional interest groups. Interest groups were formed to address members’ specialized needs and interests, and to provide a forum for those working in specific disciplines. An interest group committee coordinates the activities of each interest group; members of the interest group committees are appointed by the president and chairman/chairwoman.

Each interest group conducts educational programs specific to its discipline, and publishes its own informative quarterly newsletter. Interest groups have been formed in the following areas:

• Agent & Broker

• Claims

• Coverage, Litigators, Educators & Witnessses (CLEW)

• Excess/Surplus/Specialty Lines

• Information Technology

• International Insurance

• Leadership & Managerial Excellence

• Loss Control

• Personal Lines

• Regulatory & Legislative

• Reinsurance

• Retirement Resource

• Risk Management

• Underwriting

For questions regarding interest groups, contact the Society’s director of program content and interest groups.


CPCU Society Leadership Summit PurposeIn 1970, the Society established Regional Advisory Board meetings to give the chapters a more direct voice in Society affairs, to improve communications between the chapters and the Society office, and to better coordinate CPCU activities within each geographical area. In 1987, these were reconstructed as the Chapter Officers Leadership Conferences (COLCs). In 2000, the two COLCs were combined and additional leadership training programs were added resulting in the National Leadership Institute (NLI). The Society’s Mid-Year Meeting was added in 2002 resulting in the Leadership Summit.

AttendeesNational committees and task forces meet the day prior to the CPCU Society National Leadership Institute (NLI). The National Leadership Institute is open to members, chapter officers and nonmembers. However, only chapter officers are eligible to attend “Chapter Day,” which is the final day of the Leadership Summit. In addition, directors, the Executive Committee, and various task force and interest group representatives will be in attendance. CPCU Society staff will be available to answer questions and provide information on products and services available from Malvern.

Many chapters pay their officers’ expenses to travel to the Leadership Summit, which is held annually in late spring. There is no charge for “Chapter Day.”

ObjectivesObjectives of the Chapter Day include:

1. Training new chapter officers through chapter best practices seminars.

2. Providing a forum for the exchange of methods and experiences.

3. Discussing improvements in chapter activities and resources available.

4. Reviewing and evaluating programs.

5. Planning successful I-Days and other chapter functions.

Chapter Cooperative Advertising Chapters can increase their visibility as well as the visibility of the CPCU designation in their communities through the Cooperative Advertising Program. Cooperative advertising offers chapters a selection of professionally designed print ads for placement in publications. These ads complement the Society’s national advertising program. The program also helps chapters pay for the placement of ads.

The CPCU Society provides incentive for chapters to advertise by reimbursing them for their advertising expenditures up to a certain limit for each fiscal year (Sept. 1 through Aug. 31). The amount paid to chapters depends on various factors that may change periodically. The national Society will inform chapter public relations chairs yearly on the amount of reimbursement they can expect from the Society if they advertise. Reimbursement information also appears on the “Cooperative Advertising Reimbursement Application” form available from the Society’s Communications and Marketing Services Department.

Chapters are encouraged to use the ads designed and distributed by the Society’s Communications and Marketing Services Department to qualify for this co-op reimbursement. New ads are available annually. If chapters wish to alter these ads in any way, or design their own advertisements, they must receive approval from the national Society before advertising in order to qualify for reimbursement.

The designed ads provide a space for chapters to insert the chapter name and a contact. “New designee congratulatory” ads provide space to insert the names or photographs (if desired) of new designees. Marketing services can provide ad layout and finalize the files, to size, for the publication.

These ads are not to be used in conjunction with any company or personal advertising, and are for CPCU Society chapter use only. However, if a company or business makes a donation to partially or fully fund a chapter ad placement, the chapter may insert the company credit on the ad along with the chapter

V. Resources for Chapters and Leaders


name. When this occurs, only the chapter’s expenditure will be reimbursed.

Your chapter visibility task force Chair will receive ads each year. For additional copies or more information, call the national office.

HowtoReceiveReimbursementforYourChapterTo receive reimbursement for advertising expenditures placed, and paid for, between September 1 and August 31, the chapter must provide a “Cooperative Advertising Reimbursement Application” form along with a copy of the invoice from the publication and a copy of the advertisement (tear sheet) as it appeared in the publication. Send this information to the Communications and Marketing Services Department, which will process the application for your chapter to receive reimbursement.

Political Activities, Lobbying and ConsultingWhile the Society’s Articles of Incorporation and bylaws do not directly prohibit the Society and its chapters from engaging in political activity or lobbying, the Ethics Committee and the Board of Directors have recommended that currently they do not engage in such practices. IRS regulation interpretations also can endanger the deductibility, for business purposes, of that portion of an organization’s dues that are used for lobbying. Any questions as to whether an activity is political or of lobbying nature should be referred to the national director, the Ethics Committee, or the Society office. There is, of course, no prohibition against an individual CPCU acting on his or her own engaging in political, lobbying, or consulting activities.

Chapter Leader Support ManualsChapterRosters/ReportsRosters listing all paid and unpaid members of a particular chapter are sent to chapter membership chairs in March. They are now available to chapter presidents and the membership Chair at any time on the Society’s website in the Membership Online area. If no membership Chair is designated, the rosters will be sent to the chapter secretary. The rosters include names, emails, addresses, phone numbers, and CPCU ID numbers for each CPCU in the chapter area.

Research GuideChapter “Research Guidelines” are available free from the Society’s Member Resource Center. It highlights the challenges faced when a chapter embarks on a research project without adequate guidance. At the same time, it provides information on topics and procedures.

Member Resource Center The Member Resource Center is the place to call for information on Society services, requests for programs, member benefits, and publications. The Member Resource Center representatives will quickly and efficiently give you the information you are looking for or direct you to the staff member who can assist you. Just call (800) 932-CPCU (2728) or send an email to [email protected].

CPCU Society MarketplaceThe CPCU Society Marketplace includes CPCU-logoed products that are available for purchase by chapters and members. The CPCU Society Marketplace features clothing, business accessories and CPCU key jewelry that can be used for speaker gifts or chapter events. Quantity discounts and customization are available. Visit www.apistores.com/cpcu to view full-color product images, descriptions of items, and how to order. Or call (800) 507-7007.


Chapter SuppliesThe CPCU Society has chapter supplies available for purchase by calling the Member Resource Center at (800) 932-CPCU (2728), option 4. Supplies include name badges, ribbons, certificates and many other items to assist chapters.

Chapter Leader ResourcesMembershipOnline—ReportsChapter leaders may obtain membership reports for use in their chapter activities. The following reports are available from the CPCU Society website www.cpcusociety.org.

ChapterReports • Chapter Officers.

• Chapter Roster.

• Chapter Roster with Interest Groups.

• Chapter Roster CPD.

• Chapter Code Lookup.

• Chapter Label.

Chapter Leader NewsThe Chapter Leader News is sent electronically every month to keep leaders informed of CPCU Society activities and news. It provides chapter leaders with vital information pertinent to their duties.

SpeechKitsSpeech kits on a variety of topics are available to chapters, and include a written speech, handout, ideas for slides, and tips for delivering a speech successfully. To obtain these kits contact the Society’s marketing assistant, (800) 932-CPCU (2728), ext. 2752.

CPCU Society Website and Chapter Leader Online Resources The CPCU Society’s website (www.cpcusociety.org) offers a host of useful information for chapter officers, members, consumers and insurance professionals. A wealth of information is available online to help chapter officers run their chapter. There is also a section where chapter officers can download electronic reports for their chapters, and members can review and change their demographic information.

Member information available on this site is for CPCU Society business only. Use of member information for solicitation is prohibited.

Chapter WebsitesChapters have the opportunity to develop their own websites that are linked to the CPCU Society’s national site. In addition, chapters can take advantage of a free basic website design from the Society, and immediately make information about meetings, activities, speakers, announcements and other important news available to members electronically.

To set up a site, contact the CPCU Society’s senior creative manager at (800) 932-CPCU (2728), ext. 2749, or visit the Society’s website at www.cpcusociety.org.

Chapter web masters can attend a free training session in Malvern. Web training is held quarterly.


Complimentary Chapter Materials Here is a list of materials that are available to chapters at no cost:

• cooperative ad slicks.

• speech kits.

• Chapter Leader Guide.

• Chapter Financial Management Guide.

• chapter member labels.

• membership brochure.

• CPCU logo sheets.

• past president’s certificate and frame .

• Interest Group membership rosters.

• Interest Group member labels.

• Internet web page.

• membership rosters.

• CPD lists.

Note: Certain requirements must be met to obtain some of the materials. Call the Member Resource Center at (800) 932-CPCU (2728), option 4 or send an email to [email protected] with any questions.


BackgroundThe CPCU Society, the preeminent professional association in the property and casualty insurance industry, is a community of credentialed insurance professionals who promote excellence through ethical behavior and continuing education. Founded in 1944, the Society has nearly 28,000 members in chapters throughout the United States, Puerto Rico, Bermuda, Japan, and Europe.

Members join the CPCU Society to take advantage of educational, professional, and personal development benefits, to serve and educate the public about timely insurance issues, and to work toward increasing the recognition and value of the CPCU designation around the world. All Society activities and operations are governed by the bylaws of the CPCU Society (see Appendix).

CPCU Society Mission Statement The CPCU Society (Chartered Property Casualty Underwriters) is dedicated to meeting the career development needs of a diverse membership of professionals who have earned the CPCU designation, so that they may serve others in a competent and ethical manner.

Volunteer Organizational StructureThe CPCU Society is governed by volunteer leadership, including CPCU Society officers, directors, committee members, task force members, chapter officers, and interest group chairs. All of these groups are made up of member volunteers who give their time and talents to the CPCU Society.

ExecutiveCommitteeThe CPCU Society’s Executive Committee is comprised of five officers elected by CPCU Society members and six third-year directors ratified by the Board of Directors. The Executive Committee is responsible for assuring that the strategic planning process, determined by the Board, is ongoing and substantive; that the strategic plan meets the needs of members; that human and monetary resources

are available to support the plan; that the plan is clearly communicated; and that the plan is properly implemented and monitored. This committee consists of CPCU Society officers (the president and chairman/chairwoman, president-elect, vice president, secretary-treasurer, immediate past president, and, in an ex-officio capacity, the chief executive officer), and six third-year directors.

BoardofDirectorsThe CPCU Society Board of Directors is the primary governing body of the CPCU Society, with responsibility for determining the direction of the CPCU Society and how best to meet the changing needs of members and the insurance industry. The Board is comprised of five CPCU Society officers and both elected and appointed directors.

CPCU Society CalendarThe CPCU Society’s calendar year is determined by its bylaws. Each year, the CPCU Society president and chairman/chairwoman and all CPCU Society officers begin their terms following the Annual Meeting and Seminars, which is held in the fall. The Society’s fiscal year runs from Sept. 1 to Aug. 31. The chapter year runs from July 1 to June 30, with chapter officers assuming office no later than July 1.

In 2006, after the Annual Meeting and Seminars, the CPCU Society’s chapter and political years will coincide with the fiscal year — Sept. 1 to Aug. 31. Chapters that have not adopted the 2002 model bylaws will still have their chapter year run from July 1 to June 30.

Two important annual CPCU Society events include:

• The Annual Meeting and Seminars, where the Board, committees, and task forces meet; The Institutes conferment ceremony takes place; and the CPCU Society business meeting is held.

• The Leadership Summit, where Board, committee and task force meetings are held. Also held at the Summit are the CPCU Society National Leadership Institute, where CPCU Society members can work to develop

VI. General CPCU Society Information


the leadership, communication, and management skills needed to succeed in today’s competitive marketplace, and Chapter Day where chapter officers participate in intensive workshops that help them run chapter programs more effectively.

CPCU-Loman Education FoundationThe CPCU-Loman Education Foundation is a not-for-profit organization existing to work with the CPCU Society in the support and encouragement of research, study, publication, career pursuit, and public and professional education in the fields of insurance, risk, and risk-bearing. The Foundation, which is overseen by elected officers and trustees, is also supported by CPCU Society staff. Financial support for the Foundation comes from a number of sources, including individual CPCUs and CPCU Society chapters.

HistoryandPurposeOn June 1, 1961, the CPCU Society created a non-profit, educational foundation in honor of Dr. Harry J. Loman, the first dean of The Institutes and the prime architect of the CPCU professional designation. The purposes of the CPCU-Loman Education Foundation are to:

• encourage the study, research, and scientific investigation of insurance, risk, risk-bearing, and fields related thereto

• aid, encourage, promote, and contribute to the education of persons engaged in other fields

• educate the general public in the understanding of insurance, risk, and risk-bearing

EndowmentEstablishedOn May 12, 1993, the Foundation’s officers and Board of Trustees established an endowment fund to carry on the work of the CPCU-Loman Education Foundation.

Funding and Financial Support Support for the Foundation comes from a number of sources, but most notably from individual CPCUs and CPCU Society

members. Individuals can choose from several levels of support. Each level of support is cumulative. (Example: If you have completed the $1,000 pledge for the Loman Level, that amount is credited to the next level that you pledge. So, an additional $1,000 pledge would put you into the Silver Club with a total of $2,000 in pledges.)

• CPCUClub— New designees may support the Foundation for a contribution of $100 in a lump sum or over a four-year period. At the end of four years, members may credit this amount toward membership in the Loman Club.

• LomanClub— Members at this level contribute $1,000 in a lump sum or over a 10-year period in increments of $25 quarterly or $100 annually.

• LomanSilver— Members at this level indicate their intention to make contributions totaling either $2,000 or $3,000 to the Foundation.

• LomanGold — Gold club members indicate their intention to contribute a total of either $4,000 or $5,000 to the Foundation.

• LomanPlatinum — Platinum Club members contribute $6,000 or more to the Foundation.

ChaptersChapters qualify for CPCU Club status by the annual payment of $1 per member, subject to a minimum of $100. To qualify for Loman Club status, CPCU Society chapters contribute $5 per member, subject to a minimum contribution of $500 each year. Donations received after August 31 will be recognized in the subsequent year.

Honorarium Contributions, Memorial Contributions, and BequestsContributions are often presented in memory of a CPCU or other member of the insurance community. They may also take the form of a gift of property, a conditional gift, a bequest, or a gift of trust. All such contributions to the CPCU-Loman Education Foundation are deductible for federal income tax, gift, and estate tax purposes pursuant to rulings of the Internal Revenue Service. CPCUs who

50CPCU Society Chapter Leader Guide 50

elect to make a testamentary bequest to the CPCU-Loman Education Foundation will become eligible for the Ella Rachel Lyons Club. Information and brochures describing the Foundation and its activities are available by writing to the CPCU-Loman Education Foundation at the CPCU Society office, calling the CPCU Society’s Member Resource Center at (800) 932-CPCU (2728), or visiting www.cpculoman.cpcusociety.org.

ALegacyofServiceGifts to the CPCU-Loman Education Foundation will support the Foundation’s work now and in years to come. Important projects include:

• MatchingScholarshipFunds—Since 1993, the Foundation has awarded matching funds to chapters with programs that foster insurance education at the college level and/or through the Insurance Education Foundation. Currently, the Foundation matches up to $1,500 for each scholarship awarded by a CPCU Society chapter.

• EducationalSponsorship—The Foundation sponsors speakers, seminars, and programs to help in the continuing education of CPCUs and others, including the general public. One example is the “Loman Lecture,” a special presentation by a noted speaker at the CPCU Society Annual Meeting and Seminars.

• CPCUSocietyLeadershipSummit—The Foundation sponsors a motivational speaker at the Chapter/Interest Group Day of the annual CPCU Society Leadership Summit. This conference is designed to enhance personal and professional development.

• Publications—The Foundation funds various publications that keep insurance professionals informed on trends and issues, including special reports and books.

• GiftstoLibraries—Considered on a case-by-case basis, the Foundation considers requests from Society chapters for the purchase of CPCU, IIA, and other approved texts and reference materials to be presented in the chapter’s name to public and

academic libraries, as well as state insurance departments.

• DistinguishedGraduateandAcademicExcellenceAwards—The Foundation recognizes and rewards outstanding scholastic achievement by CPCU candidates. Each year, six new CPCU designees with the highest overall grade averages receive special recognition with a plaque and cash award.

ContactInformationInformation and brochures on the Foundation and its activities are available by contacting the CPCU-Loman Education Foundation at the Society office by calling (800) 932-CPCU, ext. 2744, or visiting www.cpculoman.cpcusociety.org.

Chapters interested in participating in the Scholarship Matching Funds program or making a gift to a library or insurance department should contact the Foundation at (800) 932-CPCU, ext. 2744.

RequiredStateNoticeA copy of the official registration and financial information for the Foundation may be obtained from the Pennsylvania Department of State by calling toll free, within Pennsylvania, (800) 732-0999. Registration does not imply endorsement.


VII. Appendix

Contents

CPCU Society Departmental Resource Guide ................................... 52Application for Retired/Lifetime/Disabled Status .............................. 54Chapter Member Address Change Form ............................................ 55Developing Your Action Plans for Achievement ............................... 56Chapter Leader Form ........................................................................... 57CPCU Society Chapter Member Survey ............................................ 58Approved Script for CPCU Diploma Presentation Ceremonies ................................................................................... 61CPCU Society Articles of Incorporation and Bylaws ........................ 62Application for CPCU Society National Service .............................. 66Volunteer Leader Profile ...................................................................... 69


Member Resource Center (800) 932-CPCU (2728) or email to [email protected] CPCU Society Member Resource Center is your resource for information on Society services, member benefits, publications, and more. The Society’s skilled member resource team will help you get the following information quickly and efficiently, or direct you to the staff member who can best assist you:

Annual Meeting and Seminar InformationBrochuresChapter Materials including: Chapter Financial Management Guide Chapter Leader Guide Circle of Excellence Recognition Program CriteriaChapter Supplies: Banners Certificates Envelopes Folders Lanyards Meeting Stickers Name tags/Badge holders Plaques Ribbons StationeryCircle of Excellence Recognition Program CriteriaConnections

CPCU Society Publications including: CPCU NewsContinuing Professional Development (CPD) ApplicationsDues Questions: Chapter changes Retiree information Local chapter duesMembership Benefits/InformationMeetings including: Annual Meeting and Seminars, Leadership Summit, WorkshopsNational Job NetworkNational Leadership Institute (NLI) Interest groupsSociety Service Applications (National Service)Society Shop InformationSpeakers BureauSymposia Workshops

CPCU Society Departmental Resource Guide

You can also visit the CPCU Society’s website at www.cpcusociety.org for information.


You may call the Member Resource Center at (800)932-CPCU(2728) or call (610) 251-xxxx (use appropriate extension number listed below) to be directed to the following Society contacts:

Accounting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vice President of Finance and Administration ext. 2731

Chapter Insurance and Risk Management . . . . . . . . . . . . . . . . . . . . . Vice President of Member and Professional Services ext. 2716

Chapter Leader News . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Chapter Services Manager ext. 2779

Chapter Public Relations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Communications Manager ext. 2751

Connections. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marketing Manager ext. 2756

Continuing Education Filings/Credits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Continuing Education Compliance Assistant ext. 2767

Continuing Education Workshops/Symposia . . . . . . . . . . . . . . . . . . . . . . . . Continuing Education Coordinating Manager ext. 2773

CPCU-Loman Education Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Administrative Assistant ext. 2744

CPD/CPDL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vice President of Member and Professional Services ext. 2716

CPD Qualifiers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Chapter Services Assistant ext. 2755

Cooperative Advertising . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marketing Communications Director ext. 2739

CPCU eJournal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director of Electronic and Print Production ext. 2766

CPCU News:

Editorial Content . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Communications Manager ext. 2751

Production. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director of Electronic and Print Production ext. 2766

Custom Printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director of Electronic and Print Production ext. 2766

Data Processing:

Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Assistant Vice President Information Systems ext. 2760

Reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Information Systems Support Analyst ext. 2770

Hardware. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .PC LAN/Applications Manager ext. 2746

eLINK. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Communications Manager ext. 2751

I-Day/Conferment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Chapter Services Manager ext. 2779

I-Day/Speakers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vice President of Member and Professional Services ext. 2716

Internet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director of Electronic and Print Production ext. 2766

Logos . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Senior Creative Manager ext. 2749

Media Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Public Relations Manager ext. 2738

National Ad Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marketing Communications Director ext. 2739

National Leadership Institute . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Continuing Education Coordinating Manager ext. 2748

New Designee Kit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marketing Assistant ext. 2752

PR Mailings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marketing Assistant ext. 2752

Press Releases/Public Service Announcements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Public Relations Manager ext. 2738

Sections . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Continuing Education Coordinating Manager ext. 2773

Society Expo . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Sales Manager ext. 2742

Speakers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vice President of Member and Professional Services ext. 2716

Taxation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vice President of Finance and Administration ext. 2731

Website:

CPCU Society site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director of Electronic and Print Production ext. 2766

Chapter and Section websites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Senior Creative Manager ext. 2749

You can also visit the CPCU Society’s website at www.cpcusociety.org for information.

CPCU Society Departmental Resource Guide (continued)


Application for Retired/Lifetime Retired/Disabled Status

Name: ___________________________________________________________________ , CPCU

Home Address: ___________________________________________________________________

City, State, Zip: ___________________________________________________________________

Date: ________________ Home Phone Number ____________________________________

Email: __________________________________

RegularRetiredMembers:Members who have reached age 62 and are retired from full and active employment pay one-half the current national dues annually.

LifetimeRetiredMembers:Members who are eligible for Regular Retired membership may enjoy the privileges of lifetime membership within the Society by making a one-time payment of 300 percent of the then-current Society dues, provided the applicant has been a regular or retired member for 15 consecutive years prior to application for lifetime retired status.

I request to be granted (check one):

� Lifetime Retired Membership ($480 one-time payment)

Regular Retired Membership ($80 annually)

Disabled Membership ($80 annually)

I do hereby affirm that I meet all of the qualifications for this status as indicated in the excerpt above.

Signature Date

ChapterDues: Consult your chapter officers on retired dues at the chapter level. Chapter dues policies vary.

InterestgroupDues: As a retired member, you are eligible to join any of the Society’s special interest groups, such as the Retirement Resource Interest Group, according to the same reduced rate policy you have chosen for your national dues.

Chapter and/or interest group membership is optional.

AmountDue: National Chapter Interest group Totaln Regular Retired Dues __________ + ____________ + ______________ = _________ (annual)

n Lifetime Retired Dues __________ + ____________ + ______________ = _________ (one-time fee)

If paying interest group dues, please list the interest group(s): ______________________________

n Enclosed is my check payable to the CPCU Society

n Please charge my n Visa n�� MasterCard n�� American Express

Card Number _____________________________ Expiration Date ________________________

Name on Card _________________________________________

Signature (required) ______________________________________

Send your dues payment and completed application to:MemberResourceCenter,CPCUSociety,720ProvidenceRoad,Malvern,PA19355orfaxto(610)251-2780.

Formoreinformation,contacttheMemberResourceCenterat(800)932-CPCU(2728).


Chapter Member Address Change Form

Please complete entire form.

To: Member Resource Center, CPCU Society, 720 Providence Road, Malvern, PA 19355 Fax (610) 251-2780

From: Name ___________________________________________________________ , CPCU

Chapter _________________________________________________________________

Date of Request ___________________________________________________________

CPCU I.D. Number (if known) ______________________________________________

New Business Address: Company ____________________________________________________

(if applicable) Street _______________________________________________________

City, State, Zip ________________________________________________

Phone _______________________________________________________

Fax _________________________________________________________

Email ________________________________________________________

New Home Address: Street _______________________________________________________

(if applicable) City, State, Zip ________________________________________________

Phone _______________________________________________________

Email ________________________________________________________

Preferred Mailing Address: Business _____________________Home ______________________

Will the member be changing chapters? Yes _______________No ________________________

Preferred Chapter Name (if known) __________________________________________________

If you have any questions, call the Society’s Member Resource Center at (800) 932-CPCU (2728), option

4.


Developing Your Action Plans for AchievementAchievements/Outcomes (Use SMART Objectives — Specific, Measurable, Achievable, Results-Oriented, and Timebound.)

List Key Chapter Achievements (Continuing Education, Visibility, Membership Involvement, New Designees, Candidate Development, Research, Circle of Excellence Submission, “What Does Success Look Like?”).

1.

2.

3.

4.

5.

6.

7

8.

9.

10.

Please return this form as soon as the information is available. In any event, mail no later than June 1. Please provide us with as much information as possible.

From: Secretary of the Chapter

ElectedOfficersAre: FullName MemberID Email

President:

President-Elect:

Vice President:

Secretary:

Treasurer:

Secretary/Treasurer:

CommitteeorTaskForceChairs:

Candidate Recruitment & Development:

New Designee:

Education:

Membership:

Visibility:

Information Technology:

Chapter-Interest Group Liaison:

Paid Administrator:

Webmaster:

ExecutiveCommittee:(designate one person to handle finances)

These leaders will assume office: (date)

❏ Our chapter does not hold a regularly scheduled meeting❏ Our chapter holds its regular meeting as follows:

Monthly meeting day:

Time:

Place:

(Signature)

Returnformto:Chapter Services Department, CPCU Society, 720 Providence Road, Malvern, PA 19355 or fax to (610) 251-2761. Please call (800) 932-CPCU (2728), option 4 if you have any questions.

Chapter Leaders Year __________


CPCU Society Chapter Member Survey

1.WhatareyourneedsfromtheCPCUSociety?Checkallthatapply.

____Social

____Business Development

____Career Development

____Job Hunting

____Leadership Development

____Networking

____Education/Information

____Community Involvement

____Other __________________________________________

2.Inthetopthreeareasfromquestion#1,isyourchaptermeetingyourneeds?

____Yes ____No

3.Pleaseratehowwellthechaptermeetingsarerun.

____Excellent ____Good ____Inefficient

(About right) (Too long/rambling)

Comments:

4.Howmanychapteractivitiesdidyouparticipateinlastyear?

____None ____1 ____2 ____3 ____4 or more

5.Pleasetelluswhyyoudidnotparticipateinoneormoreofthechapteractivitieslastyearusingthefollowingreason(s):

DoesnotApply Applies

I didn’t know about the activities. ____ ____

My work kept me too busy. ____ ____

My other civic activities did not allow time to participate. ____ ____

I could not participate because of schedule conflicts. ____ ____

The membership cost was too much for me to participate. ____ ____

No value for the time and money. ____ ____

6.Didthechaptermeetingtimeworkwellwithyourschedule?

____Yes ____No


7.Ifyouanswered“no”toquestion#6,whattimeofthedayismostconvenientforyoutoattendachaptermeeting?

____Breakfast ____Luncheon ____Dinner

8.Wouldyoubeinterestedinparticipatinginasocialevent?

____Yes ____No

9.Pleaserateyourinterestinthefollowingmeetingtopics.

Topic Interested NotInterested

Leadership Development ____ ____

Career/Job Development ____ ____

Social/Fun ____ ____

Marketing ____ ____

Consumer Attitudes ____ ____

Insurance Regulation ____ ____

Insurance Legislation ____ ____

Technology for Insurance ____ ____

Technology for Risk Management ____ ____

General Business Issues ____ ____

Business Development ____ ____

Other_____________________________________________________________

10.Pleaseidentifynewactivities/services/meetingsyouwouldactivelysupportifthechapterweretoprovide.

11.Wouldyourecommendchaptermembershiptoaco-worker?

____ Yes ____ No

12.Towhatextentdoyoupersonallypayforyourmembershipdues?

____None ____1% to 25% ____26% to 50% ____51% to 75% ____76% to 100%

13.Howshouldwecommunicatewithyou?

____Mail ____Phone ____Fax ____Email

14.Wouldyoubeinterestedinvolunteeringforthechapter?

____Yes ____No

15.Howoftenshouldwecommunicatewithyou?

____ Weekly ____ Monthly ____ Bimonthly ____ Quarterly


16.Doyouuseourchapterwebsite?

____ Weekly ____ Monthly ____ Rarely ____ Never

17.Pleasehelpustounderstandyourresponsesbyprovidingthefollowingdemographicinformation.

a. YourAgeRange: ____25-30 ____ 31-40 ____ 41-50 ____ 50+

b. YourGender: ____Male ____ Female

c. Howmanyyearshaveyouworkedininsurance/riskmanagement?

____0-5 ____ 6-10 ____ 11-15 ____ 16-20 ____ 21-25 ____ 25+

d. Whatisyourjobtype?

____ Insurance Company Employee ____ Former Insurance Professional

____ Supervisor ____ Student

____ Non-supervisor ____ Risk Manager

____ Agent ____ Insurance Regulator

____ Broker ____ Other __________________________

e. Inwhatline(s)ofinsurance/riskmanagementdoyouwork?(Checkallthatapply.)

____ Property and Casualty

____ Personal (auto, homeowners, etc.)

____ Commercial

____ Workers Compensation

____ Life and Health

____ Financial Products/Services

____ Insurance Consulting

____ Other ________________________________________


Approved Script for CPCU Diploma Presentation Ceremonies

(Initial instruction to a small group of designees.)Will the designees please come forward?

(Initial instruction to a medium or large group of designees.)Will the designees please assemble in the manner in which they have been instructed?

Acting by the authority of the Board of Trustees of The Institutes, it is my pleasure and privilege to congratulate each of you and present you with a replica of the honored CPCU diploma, which you have earned and already received. Your diploma has been signed by the officers and affixed with the seal of The Institutes. The diploma entitles you to all the rights and privileges of the Chartered Property Casualty Underwriter designation. This designation is protected by force of law throughout the United States and has been conferred by The Institutes since 1942 on those who have met its education, experience, and ethics requirements.

As your name is called, please step forward.

The audience is requested to please refrain from applauding until all designees have been recognized.

(At this time, read names of new CPCUs, alphabetically sequenced, pausing between names until the diploma has been presented. After presentation of the last diploma, resume reading.)

To each of you being honored today, I would like to make the following recommendations:

First, continue your studies throughout your working life so that you can maintain the high level of technical competence expected from a professional. Passing The Institutes examinations required to achieve the CPCU designation represents completion of a most important goal. But professionalism does not stop there, nor should you. What you have learned should have opened your mind to new areas of study and should spur you to explore them in greater depth. What you can learn through continuing study is unlimited.

Second, accept willingly the responsibilities of the CPCU designation that accompany its rights and privileges. Conduct yourself honorably and with dignity. Avoid practices that would bring dishonor or reproach on your profession or the CPCU designation. Refrain from whatever is, or might appear to be, commercialization or misuse of the designation. Be industrious and serious in your work and give generously of your time to improve standards in the field of insurance and risk management.

Third, become an active member of the CPCU Society. Your association with other CPCUs will give you greater opportunities for public service and personal growth. Your support will enhance the educational and professional services the Society provides its members and the insurance industry. Through the work of the Society, you will contribute to the influence of the CPCU concept of professionalism.

And finally, in your business activities, faithfully adhere to the highest ethical standards. You agreed to maintain the standards set by The Institutes’s Code of Professional Ethics when you began your CPCU studies. These standards will continue to guide you as you serve others.

And now . . . will all CPCUs present please rise, raise your right hand, and join with these new CPCUs to affirm publicly your professional commitment to technical competence and ethical behavior.

As a Chartered Property Casualty Underwriter . . . I shall strive at all times . . . to live by the highest standards of professional conduct . . . I shall strive to ascertain and understand the needs of others . . . and place their interests above my own . . . and I shall strive to maintain and uphold . . . a standard of honor and integrity . . . that will reflect credit on my profession . . . and on the CPCU designation.

Ladies and gentlemen: We are honored to present this year’s CPCU designees. (applause)


CPCU Society Articles of Incorporation and Bylaws

ArticlesofIncorporation(EffectiveJanuary1,1950)I. NAME. The name of the Corporation is “The Society of

Chartered Property and Casualty Underwriters.”

II. LOCATION OF OFFICE. The location and post office address of its initial registered office in The Commonwealth of Pennsylvania is 3924 Walnut Street, Philadelphia, Pennsylvania 19104.

III. PURPOSES: This Society is formed for the purpose of serving the public interest at all times by:

A. Fostering the higher education of those engaged in insurance and risk management.

B. Stimulating the interest of students contemplating professional careers in insurance and risk management.

C. Lending encouragement to those aspiring to achieve the Chartered Property Casualty Underwriter designation.

D. Conducting seminars and other education projects which will assist members of the Society in their professional development and provide objective insurance information for the insurance-buying public.

E. Cooperating with The Institutes in extending its influence and educational program among the universities and colleges of the United States of America.

F. Maintaining at all times the dignity and high professional standards that properly attach to the Chartered Property Casualty Underwriter designation.

G. Promoting social and friendly relations among Chartered Property Casualty Underwriters.

H. Cooperating with associations engaged in insurance and risk management, especially with respect to the education and training of their members.

I. Conducting liaison activities with other professional and business organizations.

J. Encouraging and conducting research.

IV. NON-PROFIT CORPORATION. No pecuniary gain or profit incidental or otherwise to members of the Corporation is contemplated. In the event of dissolution of the Corporation, the Board of Directors shall adopt a plan of distribution, which will provide for the distribution of the assets remaining after the payment of all debts, to or among one or more organizations not for profit, the purposes and functions of which are similar in character to those of this organization.

V. PERIOD OF EXISTENCE. The term for which this Corporation is to exist is perpetual.

VI. POWERS: The powers of the Corporation shall not extend beyond any of the provisions contained in these Articles of Incorporation and Bylaws. All other powers are reserved to the members and chapters as created and defined herein.

BylawsARTICLE I. Name

The name of this organization shall be the Chartered Property Casualty Underwriters (CPCU) Society (hereafter “the Society”).

ARTICLE II. Principal Office

The principal office of the Society shall be located at 720 Providence Rd., Malvern, PA. The principal office shall be the repository of all records, files, papers, and documents pertaining to the business of the Society. The Society may have such other and additional offices as may from time to time be designated by its Board of Directors.

ARTICLE III. Purpose and Powers

SECTION 1: The Society is a not-for-profit organization organized exclusively for educational purposes within the meaning of section 501(c)(6) of the Internal Revenue Code.

SECTION 2: The CPCU Society is dedicated to meeting the needs of professionals who have earned the CPCU designation, so that they may serve others in a competent and ethical manner.

ARTICLE IV. Membership and Dues

SECTION 1: Membership. Any person certified by The Institutes, as authorized to use the CPCU designation, may become a member of the Society upon payment of dues as established by the Board of Directors.

SECTION 2: Affiliate Membership. The Board of Directors, by an affirmative vote of two-thirds of its voting members, shall have the authority but not the obligation to permit certain individuals to become affiliate members of the Society based upon criteria established by the Board.

SECTION 3: Dues. Dues are payable yearly. Members more than three months in arrears after payment is due shall be suspended from membership.

SECTION 4: Fiscal Year. The fiscal year of the Society shall be September 1 through August 31 unless otherwise designated by the Board of Directors.

SECTION 5: Ethics. The Board of Directors, by affirmative vote of two-thirds of its voting members, after following due-process procedures adopted by the Board of Directors, shall have the authority to expel, suspend, censure, or reprimand any member for conduct in violation of the ethics standards of the Society as established by the Board of Directors, or for conduct in violation of the CPCU Professional Commitment.

ARTICLE V. Officers and Directors

SECTION 1: Board of Directors. The direction of the Society shall be vested in a Board of Directors. The Board of Directors will be responsible for the identification, establishment, and monitoring of Society goals, policies, and objectives; deliberating and approving any public positions; and approving an operating budget. The Board of Directors shall appoint a Chief Executive Officer.

SECTION 2: Board of Directors Composition. The Society Board of Directors shall consist of the following:

a. Elected Officers as prescribed in Article V, Sections 8 through 12;

b. A number of Directors, set by Board policy, elected by the membership from each of the Society’s regions in accordance with Article VI, Section 4;


c. Three elected Directors from the Society’s Interest Groups as prescribed in Article VI, Section 4a;

d. One member-elected Director from a non-U.S. constituent entity as prescribed in Article VI, Section 4b;

e. Two at-large Directors appointed by the President and Chairman/Chairwoman, subject to ratification by the Board; and

f. Ex-Officio Directors, consisting of the Society’s Chief Executive Officer and the head of staff of The Institutes.

SECTION 3: Directors not Personally Liable. A Director, as enumerated in Section 2 above, shall not be personally liable for monetary damages for any action taken, or any failure to take any action, unless (i) the Director has breached or failed to perform the duties of his or her office under Subchapter B of Chapter 57 of the Pennsylvania Nonprofit Corporation Law and (ii) the breach or failure to perform constitutes self-dealing, willful misconduct, or recklessness. The provisions of this Section shall not apply to (i) the responsibility or liability of a Director pursuant to any criminal statute or (ii) the liability of a Director for the payment of taxes pursuant to local, state, or federal law. Any repeal or modification of this Section shall be prospective only, and shall not affect, to the detriment of any Director, any limitation on the personal liability of a Director of the Society existing at the time of such repeal or modification.

SECTION 4: Executive Committee. Between formal meetings of the Board of Directors, an Executive Committee, consisting of the five elected Officers and six third-year Directors elected by the Board, shall execute its policies. The Chief Executive Officer shall be an Ex-Officio member of the committee with voice but no vote. A majority of members shall constitute a quorum. Meeting proceedings should be recorded and reported to the Board except discussions held in executive session.

a. Executive Committee Duties. The duties of the Executive Committee shall be: to establish interim policy when such policy cannot wait for Board action; to prescreen policy; to set contract terms, salary, benefits, and limitations and performance evaluation measures of the Chief Executive Officer; to assure evaluation of the Chief Executive Officer by the President and Chairman/Chairwoman, Immediate Past President, and President-Elect; to select the Society auditor and receive the audit report; to receive the proposed budget from the Budget & Finance Committee prior to presenting it to the Board; and to serve as advisors to the President and Chairman/Chairwoman. All acts of the Executive Committee shall be subject to ratification by the Board.

SECTION 5: Meetings. The Board of Directors shall meet at least twice a year to discharge its responsibilities as given in these Bylaws. The President and chairman/chairwoman may call special meetings of the Board. The Executive Committee shall meet between meetings of the Board as deemed necessary.

SECTION 6: Annual Meeting. The Board of Directors shall hold an Annual Business Meeting of the membership on a day and at a place to be selected by the Board of Directors.

SECTION 7: Quorum. For purposes of conducting business, the presence of one-half of the voting members of the Board of Directors shall constitute a quorum. At all meetings of the members, the presence of 250 members shall constitute a quorum. The Board of Directors may also transact business by unanimous written consent without a meeting.

SECTION 8: President and Chairman/Chairwoman. The President and Chairman/Chairwoman shall be the principal executive officer and shall be responsible to the Board of Directors. The President and Chairman/Chairwoman shall personify the organization, set the tone, and serve as the steward of the administration and guardian of organizational values. The President and Chairman/Chairwoman shall preside at all meetings of the Board of Directors, the membership, and the Executive Committee. The President and Chairman/Chairwoman, acting as Chair of the Board of

Directors, shall not vote as a Director except in the event of an equal number of votes in favor of or against a proposal before the Board of Directors.

SECTION 9: President-Elect. The President-Elect shall, in the absence, resignation, or incapacity of the President and Chairman/Chairwoman, assume the duties of the President and Chairman/Chairwoman. The President-Elect shall organize task force/committee training and coordinate their activities.

SECTION 10: Vice President. The Vice President will perform such duties as are assigned by the President and Chairman/Chairwoman. The Vice President shall organize interest group training and coordinate interest group activities.

SECTION 11: Secretary/Treasurer. The Secretary/Treasurer shall be responsible to keep an accurate record of all meetings of the Society, the Board of Directors, and the Executive Committee. The Secretary/Treasurer shall chair the Budget & Finance Committee and shall submit periodic financial statements to the Board of Directors and to the members of the Society, and shall assure that financial accounts of the Society shall at all times be open to the inspection of any member and of any authorized auditors.

SECTION 12: Immediate Past President. The Immediate Past President shall provide advice and counsel to the President and Chairman/Chairwoman and perform such other duties as are assigned by the President and Chairman/Chairwoman.

SECTION 13: Chief Executive Officer. The Chief Executive Officer shall serve as the chief staff officer and may appoint, from time to time, subject to the approval of the Executive Committee, such staff officers with such titles as he or she shall deem necessary on such terms and conditions as he or she shall deem appropriate. All such staff officers shall be subject to removal by the Chief Executive Officer. Staff officers shall not be members of the Board of Directors.

SECTION 14: Terms and Succession. Officer and Board of Director terms are as follows:

a. President and Chairman/Chairwoman, President-Elect, Vice President, Immediate Past President: One year

b. Secretary/Treasurer: Three years

c. Elected regional, Interest group, and non-U.S. constituent Directors: Three years

d. At-Large and Ex-Officio Directors: One year

e. The President-Elect shall automatically succeed to the office of President and Chairman/Chairwoman.

f. The Vice President shall automatically succeed to the office of President-Elect.

g. The Secretary/Treasurer shall be eligible for re-election to one additional three-year term.

h. The Officers and Directors shall serve until the end of their terms or until their successors have been elected and qualified.

ARTICLE VI. Election of Officers and Directors

SECTION 1: Nominating Committee. The Nominating Committee shall be responsible for identifying members for national office and for the identification and development of future leaders. Any member of the Society may make nominations. The Nominating Committee will present a slate of candidates to the Board at its Mid-Year Meeting.

SECTION 2: Nominating Committee Composition. The composition of the Committee shall be determined by Board policy.


SECTION 3: Nominations and Eligibility. Any candidate for office must be and must remain a member of the Society in good standing. Ex-officio Board members may not hold elective office. No elected Directors or Officers, other than the Secretary/Treasurer, having served one full term, shall be eligible for re-election to the same office until at least one year shall have elapsed. Society staff members may not hold elective office.

SECTION 4: Director Nominations. Directors from each of the geographical regions as defined by the Board shall be nominated by the Nominating Committee.

a. Interest Group Director Nominations. Any interest group with at least 250 members may forward the names of one or more active interest group members to the Nominating Committee. The Nominating Committee will present a slate of Interest Group Director candidates to the Board at its Mid-Year Meeting for election by the membership.

b. Non-U.S. Director Nominations. A non-U.S. Director shall be nominated as needed by the Nominating Committee.

SECTION 5: Elections. Each Society member shall have one vote. Ballots containing the names of the persons nominated for each office shall be prepared and mailed at least 50 days in advance of the Society’s Annual Meeting. The nominees for each office receiving the greatest number of votes, whether or not a majority of all votes cast, shall be declared the successful candidates.

SECTION 6: Starting Date. Officers and Directors shall take office immediately after the Annual Meeting at which the oath of office was administered.

SECTION 7: Vacancy. In the event of a resignation or the incapacity of any officer or Director (except the President and Chairman/Chairwoman), the President and Chairman/Chairwoman shall appoint a member to serve the unexpired term, subject to ratification of the Board. In the absence of the President and Chairman/Chairwoman, the President-Elect shall assume the duties of the President and Chairman/Chairwoman. If the office of President and Chairman/Chairwoman shall become vacant during the term for any reason, the President-Elect shall immediately succeed to the office to serve for the balance of the unexpired term.

SECTION 8. Removal. Officers and Directors may be removed for proper cause by a two-thirds affirmative vote of the Board of Directors present. For any cause other than nonpayment of dues, a vote for removal shall occur only after the officer complained against has been advised of the complaint lodged and has been given reasonable opportunity for defense; and such officer, if removed, may appeal the decision of the Board to the Annual Business Meeting of the Society providing that notice of intent of appeal is given to the President and Chairman/Chairwoman (or the President-Elect if the complaint is against the President and Chairman/Chairwoman) at least thirty (30) days in advance of the meeting. Only those charges brought by a voting member in writing will be considered.

ARTICLE VII. Geographic Regions

The Board of Directors will set Geographic Regions of the Society and the boundaries of those regions.

ARTICLE VIII. Chapters

SECTION 1: Chapter Formation. Ten or more members of the Society within a particular geographical area may submit a petition to form a Society chapter. Submissions should be sent to the national headquarters for approval by the Board of Directors.

SECTION 2: Subchapters. A subchapter may be formed as a division of an established chapter. Its operations and finances shall be part of a parent chapter that either sponsored the subchapter or was selected by the subchapter.

SECTION 3: Candidate Chapters. A candidate chapter may be formed to achieve the same goals as those of a subchapter without the assistance or selection of a parent chapter.

SECTION 4: Chapter Constitutions. The constitution and bylaws of a chapter shall contain:

a. Purposes and provisions not in conflict with those set forth in these Bylaws.

b. A provision for the election of chapter officers prior to May 1 of each year with the officers to take office not later than July 1 of the same year.

SECTION 5: Chapter Constitution and Bylaws Changes. Whenever a chapter shall effect any change in its original constitution and bylaws as approved by the Chapter’s Board of Directors, the chapters shall file within 30 days a revised copy with the Secretary/Treasurer of the Society and no such amendments shall be effective until approval by the Board of Directors of the Society.

SECTION 6: Chapter Dissolution. Official recognition of a chapter may be suspended or revoked for valid cause by action of two-thirds of the voting members of the Board of Directors.

ARTICLE IX. Interest Group

SECTION 1: Interest Group Establishment. The Board of Directors shall establish interest groups based on petitions filed by members at-large. Such petitions must meet requirements established by the Board.

SECTION 2: Interest Group Roles. Interest groups shall serve their members by identifying issues and trends in their areas of expertise and by generating education programs and other products and services for Society and interest group members. Interest group members shall serve as ambassadors for the Society and the CPCU designation.

SECTION 3: Interest Group Committees. Interest groups will be governed by committees of their own members, with a chair elected by the interest group committee members. Interest group chairs shall report to the Board of Directors.

SECTION 4: Interest Group Dissolution. An interest group may be dissolved by a two-thirds vote of the Board of Directors.

ARTICLE X. Committees

SECTION 1: Formation. The President and Chairman/Chairwoman and/or the Board of Directors shall appoint such committees, special committees, or task forces as the President and Chairman/Chairwoman and/or the Directors deem necessary to carry out the purposes of the Society. Committee and task force chairs shall report to the Board. Records of meetings shall be kept and distributed to the Board of Directors.

SECTION 2: Standing Committees. There shall be a Budget & Finance Committee, chaired by the Secretary/Treasurer, to oversee the prudent use of members’ dues; a Nominating Committee to assure the continued development and placement of able leaders as described in Article VI, Sections 1, 2, and 4; an Ethics Committee to promote ethical behavior and establish ethics standards; a Diversity Committee to further diversity within the Society.

SECTION 3: Standing Committee Terms. With the exception of the chair of the Budget & Finance Committee, the term of service for all standing committees shall be one year for chairs and three years for members. The terms of service for the Budget & Finance Committee chair shall be concurrent with the term of office for the Society Secretary/Treasurer. Neither chairs nor members may serve for more than three consecutive terms.

ARTICLE XI. Indemnification

The Society shall indemnify any person who was or is a party or threatened to be made a party to any threatened, pending, or completed action, suit, or


proceeding either civil, criminal, administrative, or investigative by reason of the fact that he or she is or was a representative of the Society, or is or was serving at the request of the Society as a representative of another corporation, partnership, joint venture, or trust enterprise, including an employee benefit plan, against expenses (including attorneys’ fees), judgments, fines, excise taxes, and amounts paid in settlement actually and reasonably incurred by him or her in connection with such action, suit, or proceeding, whether or not the indemnified liability arises or arose from any threatened, pending or completed action by or in the right of the Society, to the extent that such person is not otherwise indemnified and to the extent that such indemnification is not prohibited by applicable law.

ARTICLE XII. Authorizations

The Board of Directors, or any person or persons designated by the Board of Directors, shall have the power and authority to borrow money or otherwise incur indebtedness on behalf of the Society, and to secure such indebtedness without the approval or authorization of the members of the Society.

ARTICLE XIII. Bylaw Amendments

SECTION 1: These Bylaws may be amended at the Annual Meeting by two-thirds vote of members present, provided notice was given at least 30 days in advance of the meeting. Members may vote through their representative or duly appointed proxy. All proposed amendments shall be submitted in writing by the proposer to the Board for its consideration. Any proposed Bylaw amendment, or a summary of such, shall be submitted to the membership prior to any vote to adopt such amendment. Mail ballots may be authorized by the Board in a manner determined by the Board.

SECTION 2: Interpretation. The Board of Directors’ interpretation of the Bylaws shall be considered the correct interpretation when reached by majority vote.

SECTION 3: Implementation. These Bylaws shall become effective immediately upon adoption.

ARTICLE XIV. Dissolution

SECTION 1: Dissolution Procedures. Upon the dissolution of the Society, the Board of Directors shall, after paying or making provisions for the payment of all the liabilities of the corporation, dispose of all the assets of the Society exclusively for the purposes of the Society in such manner, or to such organization or organizations operated exclusively for charitable, educational, or scientific purposes as shall at the time qualify as an exempt organization or organizations under section 501(c)(3) of the Internal Revenue Code of 1986 (or the corresponding provisions of any future United States Internal Revenue Law), as the Board of Directors shall determine. Any such assets not so disposed of shall be disposed of by the Circuit Court of the county in which its principal office of the Society is then located, exclusively for such purposes or such organization or organizations, as said Court shall determine, which are organized and operated exclusively for such purposes.

ARTICLE XV. Restrictions on Operation

SECTION 1: Asset Distribution. No part of the assets of the Society shall remit to the benefit of, or be distributable to its members, officers, or other persons, except that the Society shall be authorized and empowered to pay reasonable compensation for services rendered and to make payments and distributions in furtherance of the purposes as set forth in Article III herein.

SECTION 2: Restrictions on Advocacy. No substantial part of the activities of the Society shall be the carrying on of propaganda or otherwise attempting to influence legislation, and the Society shall not participate in or intervene in (including the publishing or distribution of statements) any political campaign on behalf of or against any candidate for public office.

SECTION 3: IRC Compliance. Notwithstanding any other provisions of these bylaws, the Society shall not carry on any other activities not permitted to be carried on by a corporation exempt from federal income tax under Section 501(c)(6) of the Internal Revenue Code of 1986 (or the corresponding provisions of any future United States Internal Revenue law).

Application for CPCU Society Service

Complete all three pages.

Name

Company Title

Preferred Mailing Address

City, State, Zip

Phone Fax Email Address

CPCU Society Member ID # Designation Year

Current Chapter/Interest Group Region

Our mission statement defines the future of the CPCU Society. Our success in carrying out that mission depends upon the quality and effectiveness of our volunteer leaders. Your willingness, as a volunteer, to offer your time and talents is vital to our continued success.

There are many ways to apply your skills at the CPCU Society level. For each position, we have included a brief description of duties, time requirements, competencies and experience desired. For a complete description of each position, the anticipated time and financial commitments required and competency definitions, visit the CPCU Society website at www.cpcusociety.org.

Volunteerism and Continuing Education If you have held the same office or volunteer position for non-consecutive terms, please list each separately and indicate year served.

Highest CPCU Chapter Office Held/Year:

Chapter Committee Work:

Highest CPCU Society Position Held/Year:

CPCU Society Committees/Interest Groups/Task Forces/Year:

Other Professional Designations:

Other Insurance Activities: (organization/highest office/year):

Other Volunteer Activities/Achievements/Special Awards/Publications/Year:

Insurance-Related Studies/Year:

References All candidates expressing serious interest will provide the names of two to three references, including their e-mail address or phone number at a minimum.

n Officer n Director n Interest Group Governor n Chapter Governor

n Standing Committee n Interest Group Committee n Task Force

PersonalDataIn addition to completing the sections below, please attach your résumé or curriculum vitae.

Commitment Statement Please summarize your professional competencies and how you will use them to further the Society's mission (200–250 words or less).

Loman Club Member

n Yes, I am currently a member of the Loman Club. n No, I am not a member of the Loman Club.

CandidateInterests

Elected Offices (Check All That Apply.)The name of the applicant receiving a nomination for these positions will be submitted to Society membership for election.

n CPCU Society Officer:n Vice President (Four-Year Commitment. Application Deadline: December 31)

Desired experience for this position includes leadership roles in local chapters and/or interest groups, and CPCU Society committee or task force work. Demonstrated leadership experience in business, professional or nonprofit organizations is also required. If nominated, the applicant is expected to be highly visible, represent the Society at various public functions, attend all required meetings, and automatically move into the president-elect, president and chairman, and immediate past president and chairman offices. Desired competencies include high energy, vision, organizational and interpersonal skills, and the ability to command, communicate and motivate.

n Secretary (Three-Year Commitment. Application Deadline: December 31)This position shall be responsible to keep an accurate record of all meetings of the Society, the Board of Directors, the Executive Committee and the Audit Committee. The secretary helps interpret the bylaws and makes sure the organization complies with any regulations pertaining to not-for-profits. Attendance at all CPCU Society Board and Executive Committee meetings is required.

n Treasurer (Three-Year Commitment. Application Deadline: December 31)This position shall chair the Budget & Finance Committee, submit periodic financial statements to the Board of Directors and to the members of the Society, and assure that financial accounts of the Society shall at all times be open to the inspection of any member and of any authorized auditors. Attendance at all CPCU Society Board and Executive Committee meetings is required.

n CPCU Society Director (Three-Year Term. Application Deadline: December 1)This position addresses CPCU Society concerns. Attendance at all CPCU Society Board meetings is required. Demonstrated leadership experience in business, professional, or nonprofit organizations, and local chapter or CPCU Society committee/task force is suggested.

n Chapter Governor (Three-Year Term. Application Deadline: December 1)This position serves as a liaison between the Board of Directors and the chapters and they facilitate communication between the Board and chapter officers. Attendance at all chapter governors meetings is required.

n Interest Group Governor (Three-Year Term. Application Deadline: December 1)This position serves as a liaison between the Board of Directors and the interest groups and they facilitate communication between the Board and Interest Group Leadership Council. Attendance at all interest group governors meetings is required.

Work Experience and Leadership Roles at WorkPlease elaborate on the content of your résumé by providing two to three specific examples demonstrating leadership skills, such as influencing others, building relationships or being innovative (200–250 words or less).

Complete all three pages.

Appointed Positions: (check all that apply)Appointed positions include CPCU Society Standing Committee and Interest Group Committee service.

n Standing Committees (Nominating Committee Application Deadline: Dec. 31; Other Standing Committees Application Deadline: April 15) n Budget & Finance n Diversity n Ethics n Nominating

Four Standing Committees are focused on the ongoing needs of the Society. CPCU Society committees do not change from year to year. A commitment to promote the best interests of the CPCU Society is required. For Budget & Finance, applicants should have appropriate functional skills.

n Interest Group Committees (Application Deadline: April 15)Interest groups operate within the organizational framework of the CPCU Society and support the overall Society mission. Their specific focus and perspective are centered on common issues affecting their interest groups. Many of their activities relate to the educational needs of their interest group members. This position requires attendance at all CPCU Society meetings. Typical projects include seminars, symposia, publications, newsletters and research. Desired competencies include functional/technical skills, business acumen, planning and organizing.

n Agent & Broker

n Claims

n Coverage, Litigators, Educators & Witnesses

n Excess/Surplus/Specialty Lines

n Information Technology

n International Insurance

n Leadership & Managerial Excellence

n Loss Control

n Personal Lines

n Regulatory & Legislative

n Reinsurance

n Retirement Resource

n Risk Management

n Underwriting

n Task ForcesTask Forces are created by the CPCU Society Board of Directors to advance the Society’s strategic objectives and address specific interests or needs within a six- to eighteen-month timeframe. Task forces research specific issues and provide the Board with recommendations about viable options and potential action plans. Typically, task forces meet twice a year: once at the Annual Meeting and once in the spring, in conjunction with the Society’s Leadership Summit. Additional meetings are called at the discretion of the task force leader, and may be conducted virtually.

Please indicate your participation preference: n Task Force Chair n Task Force Member

I have skills and interests in the following areas: (check all that apply)

n Annual Meeting

n Audit/Budget/Finance

n Bylaws Knowledge

n Candidate Development

n Candidate Recruitment

n Chapter Operations

n Communications Strategy

n Human Resources

n Information Technology

n Leadership Development

n Marketing

n Membership

n Negotiation

n Parliamentary Procedures

n Publications

n Public Relations

n Public Speaking

n Regulatory & Legislative Matters

n Research/Statistics

n Strategic Planning

n Other

Submitcompletedapplicationandallattachmentsinoneofthefollowingways:

Mail: Chief Executive Officer, CPCU Society, 720 Providence Road, Malvern, PA 19355

Email: [email protected]

Fax: (610) 251-2761; Attention: Chief Executive Officer

Complete all three pages. Feb.

201

1

Member Name and Designations

Professional Title Member ID# (not required)

Company Name

Preferred Mailing Address ❑�Home ❑�Business

City State Zip

Preferred Email Address

Phone Number Fax Number

PleasereturntotheCPCUSocietyby mail: Volunteer Leader Profile, 720 Providence Road, Malvern, PA 19355by fax: (610) 251-2761

Volunteer Leader Profile(Submit this form to be considered for appointment to a future task force.)

Please complete the following Volunteer Leader Profile so that our database identifies you as a candidate for a national Society task force. The Society appreciates and needs the efforts of its volunteer members and will continue to look to them for assistance in forwarding the Society. Thank you for your willingness to serve as needed. Please mail or fax this form to the Society at the address/fax number listed below.

I prefer meeting by (select all that apply):� ❑ Traditional Meeting� ❑ Virtual/Electronic� ❑ Teleconference� ❑ Other ______________________

I have skills in the following areas: (select all that apply)� ❑ Accounting/Financial� ❑ Bylaws Knowledge� ❑ Communications� ❑ Distance Learning� ❑ General Administration� ❑ Education/Technical Skills� ❑ Leadership� ❑ Legal/Regulatory� ❑ Marketing� ❑ Motivation� ❑ Negotiation� ❑ Parliamentary Procedures� ❑ Group Presentation� ❑ Public Speaking� ❑ Research� ❑ Strategic Planning� ❑ Technical Insurance Background� ❑ Technology� ❑ Other _____________________ ______________________________

I have experience as a chapter officer:� ❑ No ❑ Yes, Number of Years ____________

I have experience on the national level (committee/board):� ❑ No ❑ Yes, Number of Years ____________

I wish to participate on a CPCU Society task force as a (select all that apply):� ❑ Chair ❑ Member

I will commit to the following length of service (select one):� ❑ 6 months to 1 year ❑ 1 to 3 years ❑ 3 or more years

I am interested in the following areas (select all that apply):� ❑ Agent/Broker� ❑ Annual Meeting� ❑ Audit/Budget/Finance� ❑ Candidate Recruitment &

Development� ❑ Chapter Operations� ❑ Claims� ❑ Consulting, Litigation, & Expert

Witness� ❑ Continuing Education/Professional

Development� ❑ Ethics� ❑ Excess/Surplus/Specialty Lines� ❑ Financial Risk Management� ❑ Information Technology� ❑ Integrated Risk Management� ❑ International Insurance

� ❑ Leadership Development and Training

� ❑ Loss Control� ❑ Membership� ❑ New Designees� ❑ Personal Lines� ❑ Public Relations� ❑ Publications� ❑ Regulatory & Legislative� ❑ Reinsurance� ❑ Research� ❑ Risk Management� ❑ Retirement Resource� ❑ Leadership & Managerial Excellence� ❑ Underwriting

Executive

MaryDragerAssistant to the Chief Executive Officerx2726

Communications and Marketing ServicesPi-LanS.HsuChief Marketing and Communications Officerx2769

DawnC.BudettoMarketing and Design Directorx2739

PatriciaM.Coleman,CPCU,MBAMembership Development Directorx2779

SuzanneB.KinslerMarketing and Sales Directorx2756

StephenYoungPublic Relations and Communications Directorx2738

MaryFriedbergSenior Communications Managerx2751

LeslieA.HigginsSenior Creative Managerx2749

SusanLepsGraphic Designerext. 2765

ReginaL.Painter,MBASales Managerext. 2742

CaroleL.RoinestadCommunications Specialistext. 2740

JoanA.Satchell,PPPCGraphic Designerext. 2747

Member and Professional ServicesBarryR.Midwood,CPCUChief Programming and Technology Officerext. 2716

MarkD.Dolinski,MBA,API,AISDirector of Program Delivery ext. 2748

JohnJ.Kelly,CPCU,ARM,AAIDirector of Program Content and Interest Groupsext. 2773

AmandaAndersenProgram Delivery Specialistext. 2736

TyDenkInformation Systems Specialist ext. 2766

JenniferPolachekProgram Development Specialistext. 2755

KarenTalbotSenior Program Delivery Specialistext. 2735

WendyLauserAdministrative Assistant ext. 2767

KathyCosbyCE-Attendance Recorderext. 2776

Finance and AdministrationCathyKarchChief Financial Officerext. 2731

W.PatrickHansellPurchasing/Merchandise Sales Managerext. 2730

KarenMilesStaff Accountantext. 2732

JanetStaufferStaff Accountantext. 2753

PamelaBarnesAdministrative Assistantext. 2744

n Member Resource CenterCarolynB.McGillMember and Staff Resources Directorext. 2754

AggieBarnesMember Resources Managerext. 2763

LaurenBoughmanMember Resources Representativeext. 2743

RosemaryBozemanMember Resources Representativeext. 2772

n Meeting ServicesSusanW.Wagner,CMPMeeting Services Directorext. 2737

CPCU Society StaffThe CPCU Society’s staff of professionals is grouped into four operative departments to serve member needs. Staff members may be contacted by calling (800)932–CPCU(2728) and their respective extensions, or by e-mail using the first initial and last name of the staff member followed by @cpcusociety.org.

The Member Resource Center can be reached by calling (800)932–CPCU(2728) and selecting option 4. The Member Resource Center fax number is (610) 251-2780; to reach the Member Resource Center by email, send to [email protected].

as of July 2011

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