IIAH ANNUAL CHARITY BOWL XXVII - Web, Graphics, and ... · IIAH ANNUAL CHARITY BOWL XXVII. 201819 4...

12018-19 4th Edition houston insurance news

2014-2015 / 3rd Edition2018-2019 / 4th Edition

IIAH ANNUAL CHARITY BOWL XXVII


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DEPARTMENTS

04 BuyingPower

09 Affiliate Member Spotlight

10 CPCU

11 UHD-University of Houston Downtown

34 IMPACT 2019

43 HIN Committee Spotlight

38 Have You Heard

40 IIABA National Legislative Conference

42 Controlling Property Crime and Theft Risk

45 Member Spotlight: Harco

48 Events & Education

48 IIAH Benefits

49 Who Has the Last Word

SPECIAL ITEMS

49 IIAH Career Center

50 Business Card Ads

50 Advertiser Index

2018-2019 / 4th Edition

13

17

27

31

IIAH SpringGolf Event

IIAH AnnualCharity Bowl XXVII

YIP’sAxe Throwing

Event

IIAH Firefighterof the Year

Awards Luncheon2019


STAFF

Amy Weimer Chairman

Vice Chairman

Ayla Benavides Staff Liaison

Debbie McRae Advertising Coordinator

ChrisGoff OfficerLiaison

Chuck Vieau Board Liaison

Walter Tomlinson Contributor

Daphne Clark Contributor

Scott Mackey Contributor/Photographer

Delia G. Chauffe Photographer

Ayla Benavides Photographer

Contributing Writers

Tom Braniff Legislative Amy Weimer Have You Heard Mary LaPorte E&O Wes Kurtz President’s Message Susan Schmidt Houston Insurance Professionals (HIP) Wayne Pickering It’s The Law Laura Wisniewski Jan Luncheon Ayla Benavides YIP’s Social

Advertising

Debbie McRae 713-975-0141 [email protected]

Membership Renee Stager [email protected]

Comments Editorial

Amy Weimer [email protected]

The Magazine Committee, Officers,Directors,Executive Director and the staff of IIAH reserve the right to review all information submitted for publication and to refuse such publication at their sole discretion.

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txconstructionwc.com Gina O’Hara: [email protected] 888.275.2626, ext. 6324

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Charitable Special Projects/Fire Prevention Chairman: Sarah Beck

Vice Chair: Mary Fran Swank

Education, I.T., CE & Member Luncheon

Chairman: Katrina Masek

Vice Chair: Michelle Dennis

Houston Insurance Day Chairman: Courtney Wier

Vice Chair: Carmen Swift

LegislativeChairman: Mark Thurmond

Vice Chair: Kyle Dean

IMPACT Chairman: Mickie Comiskey

Vice Chair: Lea Brimberry

MembershipChairman: Amy Leicht

Vice Chair: Jim Burnham

RecreationChairman: Robbie Darnell

Vice Chair: Stuart Ray

Young Insurance Professionals Chairman: Derek Pierce

Vice Chair: Grant Pierce

PR/Media Matters Chairman: Scott West

Social Media Chairman: Daphne B. Clark

Vice Chair: Liz Brock

2018-2019COMMITTEES

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NEW MEMBERS

Platinum Partners For Excellence 2018-2019

CRC|SCULighthouse Property

Insurance CorporationRT Specialty

AFS/IBEX A division of MetaBankBlackmon Mooring of Houston

ChubbCNA Insurance Companies

Gold Patron Sponsors 2018-2019

Wes Kurtz, CIC President

Stuart Ray President-Elect

Chris Goff, CIC, LUTCF Vice President

Jim Drew, ARM, CIC, CRM Treasurer

David Wuthrich Executive Director

Scott Margraves, CIC Immediate Past President

BOARD OF DIRECTORS

Sarah Beck

Robbie Darnell

Brett Herrington, CIC

Wes Weatherred

Elizabeth Kirby

Ryan Moorehead

Jason Nybakken

Jeff Presley

Chuck M. Vieau

IIAT EX-OFFICIO MEMBER OF THE IIAH BOARD OF DIRECTORS Jeff Brady, CIC, CRM

IIAH STAFF David Wuthrich Executive Director

Renee Stager Sr. Managing Director

Director of Education/ Membership Ayla Benavides Managing Director Events/Communications

7700 San Felipe

Suite 310

Houston, Texas

77063

832-769-4666

Fax: 832-324-3503

www.iiah.org

Delta General AgencyHouston International

Insurance GroupWRIGHT Flood

RPS HoustonTexas Mutual Insurance Company

UFG InsuranceWSG Specialty Underwriters

New Affiliate Members

Titanium Elite Sponsors 2018-2019

Imperial PFSBurns & Wilcox, Ltd.

Specialty Insurance Agency

Telge Roofing

The Cole group

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GIVE US THE OPPORTUNITY TO WORK WITH YOU AND SHOW YOU HOW HULL DOES IT BETTER!

Proud members of IIA, PIA, AAMGA, NAPSLO, TSLA & IIAD.

For more information, please call your Hull Representative

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TIME TO TAKEYOUR AGENCY TO

THE NEXT LEVEL

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Houston Insurance NewsJoin our committee - We meet at a bar!

Send us your pictures and tell us what’s new!

[email protected]@IIAHNews

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Founded in 2013 SafePoint Insurance specializes in coastal regions of the United States. Along with Texas, SafePoint currently operates in Florida, Louisiana and New Jersey. SafePoint has been conducting business in Texas for three years, initially participating in the depopulation program in partnership with the Texas Windstorm Insurance Association. This program allowed agents to partner with SafePoint to give their insured options other than TWIA.

SafePoint is committed to serving the communities in all the areas which they operate. They are active members of the IIAH, IIAT, and IICF organizations. Carmela Cancino is the Agency Relations Manager for Texas. Carmela has 18 years of insurance experience and worked with several independent agencies and brokers in Texas before joining SafePoint in August of 2018.

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Attached is a photo of the current CPCU Houston Chapter leaders being sworn in for their commitment to making another successful year. From left to right: Brandon Yarbrough- current president, Judith Smalls president elect and Melvinn Brown- treasurer.

The global internet traffic grows every year. In 2016, 96 Exabyte’s a month went out over the digital system and is expected to grow by 160 Zettabytes in 2025. An Exabyte represents one billion-billion bytes of data while a Zettabyte represents a billion-trillion bytes of data. This data explosion unfortunately presents an opportunity for malware, spam, and ransomware attacks. Ransomware attacks targeting business have tripled since 2016 and continue to grow. In May 2019, Adam Connor, a national cyber liability specialist spoke on how cyber can affect all our lives and how the data that it produces drives all companies. Once your system has been breached a plan needs to take place. What is your current plan for cyber-attacks? Adam has been with RPS-Chicago since 2013.

BE INFORMED BY ATTENDING THE HOUSTON CHAPTER OF CPCU

FIND OUT WHAT EVERYONE IS TALKING ABOUT

CPCU

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His concentration is on D&O, EPL and E&O and has solutions to these concerns.

Coming up are presentation luncheons scheduled as of August 8, 2019 on “Insuring Auto Service Garage Risks”; August 20, 2019 Tarush R. Anand with Brown Sims will be presenting on “Defending Against Not-so-Minor Claims brought by Minors”; and October 15 is the scheduled CPCU conferment.

Go to the CPCU website to see when the next meeting is. The Houston chapter of The CPCU organization holds a presentation luncheon on current relevant topics. The venue is held at 10709 Memorial Dr., Houston, TX 77024 at 11:30am. Chapter members and students are free, while guests and non-members have a $40 fee.

Written by: Theresa Epstein, RPS - Houston

http://www.neitclem.com


(continued on page 12)

University of Houston-Downtown insurance and risk management students attended the Insurance Council of Texas’ Annual Property & Casualty Symposium in Austin last week and participated in a resume preparation and interview techniques class prior to Speed Interview sessions with 23 companies and agencies seeking new talent. The students and interviewers then attended a private reception where they could further explore one another’s qualities to determine whether they are a good fit for one another.

UH-Downtown students who attended included Cassandra Cadriel, Jennifer Calandra, Carmela Cancino, Ricardo Melchor, Jose Salinas and Bryan Sanders. Other universities involved included University of Houston, UT – Dallas, UT – Rio Grande Valley, UT – San Antonio, St. Mary’s, University North Texas and Baylor University.

Since 2002, the ICT Education Foundation has raised and awarded over $1 million in scholarships

Photo caption: Priscilla Oehlert, Director, IRM Center, Ricardo Melchor, Carmela Cancino, Jose Sanchez, Cassandra Cadriel, Bryan Sanders.

UHD STUDENTS ATTEND ICT SYMPOSIUM

to Texas university students interested in careers in insurance and risk management. “The speed interview sessions provide a great opportunity for students and companies,” stated ICT’s Mark Hanna, who has coordinated with the universities since the program’s inception. “A third of the students who participated last year secured career positions in the property-casualty industry, and the interviewing companies reported that this year’s candidates were the best group of job-seeking students to date.”

“I am very impressed with our students’ maturity and focus on the career-seeking process,” stated Professor Priscilla Oehlert, Director of the UHD insurance program. “They are inquisitive and asking pertinent and relevant questions in their efforts to learn about the variety of roles within the industry and to discern what will be a good fit for them so that they can immediately contribute to the entity with which they are employed.”

“This was the best opportunity I’ve had to connect with insurance entities that have open positions and are actively recruiting new employees,” stated Ricardo Melchor. “Within days after the Symposium, I had been contacted by several companies to schedule interviews with their teams in their offices. The ICT experience was unique and provided the venue, contacts and opportunities to fast-forward my knowledge and ability to secure an insurance industry career.”

“Students are getting the whole spectrum of information about different industry jobs descriptions, positions currently available, and opportunities to customize our resumes, practice interviewing skills, and network with hiring managers and human resources staff through ICT,” observed Jose Salinas, UH-D senior. “This is exactly what we need to successfully navigate our paths from students to industry professionals.”


UHD STUDENTS ATTEND IIAHFIREFIGHTER AWARD LUNCHEON

Photo caption: Beverly Ezenta, IRMC Director Priscilla Oehlert, Tim Brady, Clarissa Reid, Megan Ceballos, Jim Drew, Carmela Cancino, Lillian Everson and Barbara Drollinger.

University of Houston-Downtown insurance and risk management majors attended the July Independent Insurance Agents of Houston meeting which featured awards to Houston Fire Department teams for their valor and selfless service. Students Beverly Ezenta, Lillian Everson, Clarissa Reid, Megan Ceballos and Carmela Cancino and Priscilla Oehlert, director of the insurance and risk management program, joined the association’s members in learning of the experiences and acts of the firefighting teams and thanking HFD firefighters for their dedication and bravery in their service to the Houston community.

Several members of the IRM Center Council also attended the well-attended event including Fred Steves, Senior VP with RT Specialty, Barbara Drollinger, Director, Worker’s Compensation Underwriting with Everest Insurance National, Tim Brady, chairman Emeritus with Brady, Chapman & Holland, Wendall Braniff, partner with Braniff

Lillian Everson, Benefits Administrator for C & J Energy Services, and a senior majoring in insurance and risk management at the University of Houston-Downtown was recently elected to the (IICF) Insurance Industry Charitable Foundation’s Southeast Division Associate Board.

IICF is an international organization of insurance professionals that represents collective insurance industry philanthropy and creates opportunities for, companies, agencies, brokers and industry partners to work together to make a difference in their local communities through fundraising, grant awards to non-profits, and volunteerism.

HAVE YOU HEARD AT UHD?

Attorneys and Jim Drew, Senior VP with Bowen Miclette & Britt. The event provided an excellent opportunity to meet and discuss industry career goals with the students, most of whom will be graduating within the year and entering into careers as insurance professionals.

For more information about the undergraduate degree program at UH-D, contact Priscilla Oehlert at [email protected], or 713-226-5552.

mailto:oehlertp%40uhd.edu?subject=


(continued from page 14)




Location: Copperfield Bowl


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The Young Insurance Professional’s had an Axellent time at our recent Axe Throwing Event on June 6th, 2019. There were over 90 people in attendance, one of our best events yet! Everyone had a blast networking and playing games led by our many Axeperts! Thank you to our sponsor Philadelphia Insurance Company for hosting the drinks! YES, there was drinking while axeing. The YIP’s look forward to doing it again soon.

Axe Throwing Event



This is the 41st Anniversary of IIAH honoring the Houston Fire Department and its heroic Firefighters. We were delighted to have several dignitaries from the Houston Fire Department joining us to honor our Firefighter of the Year Award finalists and recipients.

• Assistant Chief Rodney West• Assistant Chief Michelle Bentley• Assistant Chief Isaac Garcia• Assistant Chief Justin Wells• Assistant Chief Alfredo Martinez• Assistant Chief Richard Mann• Public Information Officer Sheldra Brigham• Alicia Breaux, HFD Administrative Specialist • Assistant Chief Michael Mire• Assistant Chief Michelle McLeod

IIAH President, Wes Kurtz, addressed the crowd: We were tremendously honored to have a special group joining us who are our 2019 Firefighter of the Year Award Winners. And this year was special because we couldn’t decide on one incident or officer so we honored all the officers. These are people in our communities who risk their lives to save ours, who run towards burning buildings while we run away, who put their lives on the line in attempt to save someone they do not know. They make their way through flood waters without protective gear to fight a fire. They think quickly in life or death situations to save citizens’ lives. They render aid and assistance to their fellow firefighters and HPD officers. They volunteer on task forces that are deployed in crucial search and rescue missions.

Honoring those representing Stations 18, 19, 20, 27 and 40:Firefighter/Paramedic Michael EsparzaFirefighter/Paramedic Michael RangelFirefighter/Paramedic Jason ParamoreFirefighter/Paramedic Juan BalandranFirefighter/Paramedic Robert MenaEngineer/Operator-Paramedic Jason WeyerEngineer/Operator-Paramedic Horacio HernandezFirefighter/EMT Raul SalazarFirefighter/EMT Nelson GonzalesDistrict Fire Captain Christopher Chavez

Every firefighter you meet will downplay these actions and tell you that its part of the job and it just happened to be their shift…that they did what they were trained to do. Maybe that’s true because I’m certain there are hundreds of rescues that we don’t hear about but then that’s all the more reason to honor the men and women who are here today and for us to show our gratitude and respect for what they do. This lunch just isn’t enough to convey the incredible bravery and selflessness of these individuals. President, Kurtz, shared the following excerpts from their nomination letters.

During an HPD execution of a warrant, multiple police personnel and suspects were either injured or shot. HFD employees arrived quickly and while the scene was still unsecured, began assessing and treating those whom they could reach. HFD worked with Life Flight personnel to ensure that each officer injured was transported to the hospital in the most expeditious manner, and therefore were integral in the outcome being as positive as we could hope for. While it is a common occurrence for the HPD and HFD work together to protect and save lives, it is not often that HFD personnel are called upon to treat so many of our law enforcement officers at one. The magnitude and chaos of this type of scene cannot amply be described in correspondence of this nature. HPD is appreciative of not only the medical

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skill and knowledge possessed by HFD personnel, but their willingness to risk their own safety in order to ensure the officers were treated as quickly as possible.

Honoring those representing Stations 3, 28 and 60 Firefighter/Paramedic William PlattenburgFirefighter Victor BlancoFirefighter Darrin PetersFirefighter Ryan HallProbationary Firefighter Jonathan RileyEngineer/Operator Paramedic Phillip AikinEngineer/Operator Hector MatamorosEngineer/Operator Jimmy AyalaCaptain John Nanninga

An “Assist the Officer” call came over the radio. HFD arrived and began treating the officer that had been struck by a vehicle while assisting officers with traffic control. HFD stepped up numerous times while on scene offering to assist HPD, even after the officer and citizen were transported, showing great professional courtesy. They set up an escort to transport t the officer to Southwest Memorial Hospital in an expeditious manner. The actions and dedication to duty of all the officers, dispatchers and firefighters involved in this incident bring great credit upon themselves, the HPD and the HFD. Throughout the incident they displayed outstanding team work and demonstrated exceptional professionalism. As a result, here was excellent teamwork and communication by multiple departments.

This year’s finalists show the incredible range of service that helps make our Fire Department among the best in the country. I heard time after time…. Overall crew effort, well-seasoned veterans, trust and faith in my crew’s knowledge and capabilities, complete faith in my Captain’s leadership to put me where I need to be. Each incident this year came with added extraordinary circumstances. Ones that at any time could have caused a more perilous outcome. Each crew’s response to the circumstances surrounding each incident exemplifies how each of the separate pieces: education, training, service and execution fit together to make one cohesive unit.

As in year’s past, our award is certainly deserved and could truly go to any member of HFD for their service and sacrifice. Which is why this year, we will honor all those at the Houston Fire Dept. for their bravery and hard work by making a contribution in your names to the Firefighter Foundation of Houston. Mr. Lee Vela, chairman of the Foundation, could you please join me on the podium to accept this check and make a few remarks about the Foundation.

We thank all of you for your service to our industry and most importantly to our community!


INDEPENDENT AGENT KEY LEGISLATIVE ISSUES DURING THIS SESSION

TWIA SUNSET REVIEW

Modernization of TWIA

m Direct Billing of customers

m Improve and Streamline the application process

m Technology Improvements to include service to customers and agents

m Adequate and Predictable funding for multiple storms

FLOOD COVERAGE NOTIFICATION

Hurricane Harvey disclosed that many people were not prepared for the possibility of flooding. It has been reported that

25% of the homeowners in Harris County and Southeast Texas did not carry flood insurance. IIAT believes that a notice

should be attached to every homeowner policy stating that flood insurance is not afforded by the homeowner policy.

m Homeowner insurers must include notice advising that flood and law and ordinance coverage is not covered under the policy;

m Notification should be added in a conspicuous place on the policy;

m Notice should include a statement to contact your agent to discuss flood insurance

COMMERCIAL COVERAGE CHANGE NOTIFICATION

The Texas Insurance Code requires that notification of changes in coverage must be provided, however; there is no

requirement of where notification is to be located within the policy or to identify what changes have been made.

Adds commercial property to Section 551 of Texas Insurance Code;

Plain language notification must disclose any new coverage in the renewal policy;

Notice must be provided to agents and consumers prior to the use of new policy forms;

Clarifies that proper notification does not require a non-renewal notice

IMPACT needs your support to continue to improve Agent and Client Issues!

You can make your contribution directly on line at IIAT website:

www.iiat.org/MyIMPACT

IMPACT 2019

http://www.iiat.org/MyIMPACT

http://iiat.org/MyIMPACT


Workers Compensation – www.servicelloyds.com

Quality. Support. Service.We prove every day that “Service is more than our name….

it is our way of doing business.”

HIN (Houston Insurance News)

The HIN Committee is made up of a small group of people who love giving back to the association!

We aim to publish the best Houston Insurance News there is with fun and informative content! Through the on-line magazine IIAH members can learn of upcoming & past events, educational & legislative information, and acknowledgement of achievements of people in the industry along with articles relevant to current topics. We meet once a month (2nd Wednesday of the month) at a little place called The Bayou Sports Bar & Grill to create each issue of HIN.

We would love to have you join us. If you like to have fun, laugh and enjoy meeting people, then we want you on our committee! Visit our Facebook or contact Amy Weimer at [email protected] or Ayla Benavides at [email protected] for more information.

HIN Committee Spotlight

http://www.servicelloyds.com





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Marsh & McLennan Agency

Dividends are based on performance and are not guaranteed. ©2019 Texas Mutual Insurance Company | Texas Mutual Insurance Company is rated ‘A’ by A.M. Best Company.

As the owner of Krispy Kreme franchises in Central, South and West Texas, Glazing Saddles has been a Texas Mutual policyholder and dividend recipient for more than a decade. That’s good news for them, and their agent, Quan Cosby. Our record-setting dividend program helps him recruit and retain great clients—and it can do the same for you. To learn more about how dividends can be a sweet reward for your business, go to worksafetexas.com/dividends.

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Have YouHeard

Risk Placement Services (RPS) is proud to welcome Janie Frias to our growing team of specialists in the Rio Grande Valley. She continues her commitment to the insurance industry as an active member of the Federation of Insurance Women of Texas (FIWT), where she is currently serving as Secretary. Janie has been recognized as Insurance Professional of the Year from AAIP in 2016 and recently was recognized as one of RPS’

Top Underwriting Performers in 2018 because of her leadership, knowledge, dedication and community involvement.

Midlands Management Corpora-tion is pleased to announce that Jennie Reed has accepted the offer of an expanded role at Midlands - Brokerage and Binding Unit Team Leader.

She will be tasked with streamlining operations improving the agent/broker experience and satisfaction and creating and improving business strategies.

Wilson Smith Group LLC announced that Greg Sovey has joined the group’s Texas operation, WSG Specialty Underwriters, as President. Greg brings an extensive insurance background in underwriting, managing general agent and wholesale management to WSG.

Also at WSG, Jessica Garza, CISR, TIIA has been promoted to Senior Underwriter/Business Development Manager in our Commercial Lines Department.

Faith Davis has joined Wilson Smith Group LLC as a Senior Commercial Underwriter. We are excited to have Faith join us, and we know she will continue to help find solutions to the needs of our agent partners in this current insurance environment.

We want to recognize our TDECU Agents for achieving their Texas Independent Insurance Advisors Designation (TIIA). Great Job!

From left to right: Maria Torres, Tammy Pavlu-Garcia, Ninfa Renteria, Adriana Hernandez, (not photographed: Deana Wooley)

IIAT is pleased to announce that Lisa Webb has joined the association as the Director of IIAT Advantage Markets. Lisa has more than 30 years of experience in personal and commercial lines sales, management, training and claims handling. “We feel lucky to have Lisa on our team. She knows hundreds of our agents and is passionate about IIAT’s mission to help our agents succeed,” said Marit.


Send us your pictures and tell us what’s new!

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Houston’s IIAH contingent, Jeff Brady, Kyle Dean and Scott West departed Houston at 10 am on Tuesday, May 6 for our annual meet and greet in D.C. Also on the flight were Congressmen Michael Cloud (TX 27, Corpus Christi area) and Pete Olson (TX 22, Sugarland and Pearland). We had good conversations with both prior to and during the flight, because your legislative team never rests!

Wednesday started early for us, between meetings at the conference and appointments on the Hill. We met with Pete Olson, Randy Weber, Kevin Brady, Dan Crenshaw, Senator John Cornyn and the legislative aide for Brian Babin.

Late that afternoon your national association hosted a reception at their D.C. offices for members of Congress and large $1000 or more) Insurpac donors. It was well attended and a great opportunity to meet Congressional leaders from both parties.

The IIAT delegation hosted a nighttime bus tour of the Capital, followed by a visit to the historical Hays-Adams Hotel bar, the scene of many a late-night deal making by members of Congress. This particular night, the only deals cut were who was going to pick up the bar tab for our group!

Thursday started with a 7:15 a.m. breakfast meeting for the conference attendees. More can be found on the speakers in the IIABA publications – unfortunately I wasn’t able to stay the entire breakfast, as Kyle and I had a meeting at 8:45 with Sylvia Garcia, the new representative for north Houston. Followed by meetings with Michael McCaul’s aide (TX 10, stretching from Austin to Tomball), Al Green, Lizzie Fletcher, Senator Ted Cruz and Bill Flores. Representative Flores, whose district encompasses Bryan/College Station, graciously accommodated 5 North Texas University Students and their professor in a last minute add on to our group. He asked each their major, career plans and answered their questions.

That evening ended with a dinner hosted by IIAT at a very nice local restaurant. A dozen agents and their significant others, from all regions of the state, were attending.

As to what we were asking our members of Congress? The topics don’t vary much year-to-year.

• Long term extension of the flood insurance program

• Long term extension of the TRIA/TRIP program, scheduled to expire December 31, 2020

• Elimination of the Cadillac Tax and protection of Group Health Insurance for businesses

• Maintain current tax regulations as they are applied to agencies past the 2025 expiration.

• Other positions discussed were eliminating the Federal Insurance Office as it has the potential to override state insurance departments, protecting commissions for the Crop Insurance Program and having a discussion of national Cybersecurity standards that could be implemented without overriding state standards.

What we see in D.C. fits into the narrative that you read and hear; House leadership with a significant amount of disfunction and the Senate moving slowly on bills. Various House committees seem to be spending a huge amount of time on investigations and little time on substantive bills. The Senate, because of their need for consensus, does pass bills, but very slowly. And every bill passed by the Senate requires a corresponding House vote. Consensus is rare in a divided Congress.

Your attending members from IIAH make this trek annually, taking time from their business, to show Congress that we are paying attention to legislation. We are representing all insurance agents, brokers and clients, pursuing legislation that keeps our businesses and clients secure. We welcome additional local leader/agents to join the effort. The sightseeing in D.C. and comradery make this an exceptional trip!

By Scott West


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CONTROLLING PROPERTYCONTROLLING PROPERTYCRIME AND THEFT CRIME AND THEFT RISKRISK

There were 7,694,086

reported property

crimes in the U.S. in

2017

Theft and other property crimes present a significant risk of loss exposure. Your insured can reduce

the risk of theft occurrence by taking the following steps.

Businesses are 4x

more likely to be

burglarized than

homes

A typical business can

lose up to 5% of its

revenue to occupational

fraud

5%4x7.7Million

Sources: ACFE, West Bend Silver Lining, Statista

Property CrimeRate

< 1.9K1.9K - 2.4K2.4K - 2.8K2.8K - 3.3K> 3.3K

Property Crime Rate per 100,000 Inhabitants

Stolen Property Amount Stolen Amount Recovered

Motor Vehicles $5,562.73 $3,289.37

Money $1,366.02 $26.88

Jewelry / Precious Metals $1,213.09 $43.20

Office Equipment $451.61 $24.19

TVs, Radios, Stereos $394.51 $24.59

Clothing and Furs $376.92 $37.03

Household Goods $266.68 $10.39

Firearms $151.91 $22.23

Consumable Goods $134.26 $13.13

Livestock $18.25 $2.76

Stolen Property in the U.S. in 2017Total Value (Millions of U.S. Dollars)

Source: Statista Burglary Rate by U.S. State in 2017

Source: Statista Property Stolen and Recovered in the U.S. in 2017

How To Control Theft Risk

Control Access

Install an alarm system

Keep track of keys

Secure all doors and windows

Install an access control system

Use Surveillance

Install CCTV cameras

Remove items obstructing

natural sight lines

Install motion sensors

Maintain exterior lighting

Train Employees

Create a loss prevention

team

Perform background checks on all

new hires

11%

In 2018, 11% of RSIproperty reports include

a recommendation tocontrol theft risk

Theft Risk Control Statistics

RSI's Most Frequently Made Theft Prevention Recommendations

Implement new hire screening processes

that include background checks1

Have a licensed company install and

maintain an alarm system on the property2

Install lighting around the exterior of the

property3

800-541-5496 [email protected] rsireports.com




reported property


2017



Businesses are 4x

more likely to be

burglarized than

homes




fraud

5%4x7.7Million


Property CrimeRate

< 1.9K1.9K - 2.4K2.4K - 2.8K2.8K - 3.3K> 3.3K



Motor Vehicles $5,562.73 $3,289.37

Money $1,366.02 $26.88






Firearms $151.91 $22.23







Control Access


Keep track of keys



Use Surveillance



natural sight lines



Train Employees


team


new hires

11%










property3




reported property


2017



Businesses are 4x

more likely to be

burglarized than

homes




fraud

5%4x7.7Million


Property CrimeRate

< 1.9K1.9K - 2.4K2.4K - 2.8K2.8K - 3.3K> 3.3K



Motor Vehicles $5,562.73 $3,289.37

Money $1,366.02 $26.88






Firearms $151.91 $22.23







Control Access


Keep track of keys



Use Surveillance



natural sight lines



Train Employees


team


new hires

11%










property3



MEMBER SPOTLIGHT

HARCO Insurance Services celebrates 50 years of service to Industry, Community, Staff and our Clients.

On July 1, 2019, HARCO celebrated its 50th Anniversary with a luncheon for staff and lots of memories being shared. HARCO presented each person with a 50th Anniversary lapel pin as symbol of their appreciation and celebration.

Attending the luncheon was Willis Hargrave and wife, Dana. Willis is the original founder of HARCO in 1969. Willis then sold HARCO on January 1, 2000 to Josh Hargrave and Gerri Rougeau.

Willis entertained everyone with stories from the earlier days of HARCO and thanked everyone for taking good care of the clients and agency he cares so much about.

HARCO continues to serve in various areas of our industry and is proud to have Chris Goff, V-Pres of Benefits, serving as President-Elect for IIAH.

HARCO community involvement and charitable activities keep us all busy and thankful we can participate on behalf of the many well deserved benefactors.

Our staff and clients are the foundation HARCO is built upon. We are proud of our staff tenure and their ability to service our clients in a manner that merits confidence and loyalty. We thank our staff and clients every opportunity we have for being a vital part of HARCO!

Special thanks go out to all our carriers, industry friends and associates that have worked with us over the years. These relationships have enabled us to achieve our 50 years!!!

We still can’t believe we are 50 Years Young!!!


Peace of Mind Starts Here.

Experience andFinancial Stability

ComprehensiveBenefits

Protecting WithExceptional Resources

SafePoint is a premier, admitted provider of insurance protection in the state of Texas. With over

$45 million in policyholder surplus, SafePoint has the resources to protect your

client’s most important assets.

Our Management Team iscomprised of highly experienced professionals with over 100 years

in the insurance industry.

Our mission is to deliver superior customer service, comprehensive

coverages, expedited claim service and to give policyholders

peace of mind.

Our reinsurance carriers are all

approved by the Texas

Department of Insurance and

Insurance and are rated “A” or

better by AM Best. SafePoint

purchases reinsurance in

excess of a conservatively

modeled 100 year return on

a first event basis.

You will have Peace of Mind

knowing that your business

is protected by SafePoint.

Protecting Assets With aDedicated Management Team

& Exceptional Resources

We are rated “B” by A.M. Bestand “A” Exceptional

by Demotech

Specializing in Coastal Risks

WITH Wind

Competitive Product Pricing

Knowledgeable &

Friendly Staff of Insurance

Professionals

Accounts are quoted and

submitted via our on-line

portal.

Variety of payment options.

We accept MasterCard, Visa

& Discover and eCheck.

24/7 Claims Services to

handle claims efficiently and

professionally.

Texas Business OwnersHave A New Commercial

Carrier Choice!

CommercialCoverages

Specializing In These

Property& Crime Habitational General

Liability

OU

R P

RO

DU

CT

S

For more info, contact • Carmela Cancino • TX Agency Relations Manager • 979-417-6136 • [email protected] • safepointins.com

http://www.safepointins.com


As a member of IIAH you will have access to specialized education programs, advocacy, publications,

networking through meetings and events.

Events & Education

Buying Power: IIAH has partnered with Buying Power to manage our Sprint and Office Depot discount programs

o Office Depot Discounts - A global supplier of brand-name office supplies, office furniture, business products and services. IIAH members receive discounts up to 80% on the entire Office Depot catalog of products and services. o Wireless Service. IIAH members receive a huge discount on

their Sprint rate plans, best corporate pricing on new phones and upgrades, and discounts on accessories!

o Hertz - Savings up to 25% off rentals o AT&T - 20% Discounts on qualified AT&T wireless plans on

Corporate Responsibility User lines of service. o YRC Freight - Significant savings on YRC Freight Services. Career Center

o Post Job Openings o Post Resumes o Review Resumes Education

o IIAH provides 12 hours of CE annually for all member licensed personnel - a total of 12 hours per employee - a value of $336 per employee o Receives 50% discount on all other education programs Group Plans

o Kelsey National has provided quality products from highly rated insurance carriers to IIA members since establishing the IIA Group Insurance Trust in 1966 and now offers IIAH members plans at competitive group rates. Kelsey has a superior customer service team ready to offer IIAH members plans for Dental, Dental with Vision, Life/AD&D, Long-Term Disability and Short-Term Disability. With many plans available to only one enrolling employee, you can begin covering your agency right away. Kelsey has all your employee benefits covered! Houston Insurance Day

o All employees of the agency may attend the exhibit hall for FREE. To attend the breakfast of luncheon keynotes, a meal ticket must be purchased. Houston Insurance News

o Receive the Houston Insurance News publication four times annually that includes industry events, articles and advertisements Insurance School of Texas

o Receives special classroom package pricing of $239.95 o 2 Day Life & Health class or 2 Day Property & Casualty Class o Texas Study Manual o Exam Questions Online IIAH Website Advertising

o All IIAH Member Agents and Affiliates are automatically included in the Find an Agent/Service search engine on the IIAH website. Members may purchase additional search options to include searches by lines of business, direct links to member’s website and logo banner ads.

This service is exclusive to IIAH members only. Legal Shield

o Assist IIAH members and their families with Identity Theft and Legal issues. o Special discounted pricing on individual and family plans

exclusive to IIAH members. Legislative Advocacy & Political Action

o Priceless Merchant Accounts

o Through the IIAH program you can accept every form of payment and provide your clients with the convenience of paying by debit and credit card. Payments can be accepted in person, by-mail, over the phone, by fax and even on line. You will receive discounted enrollment and monthly fees - reduced processing and transactions fees are volume based. Value $100 minimum Member Discounts

o IIAH Members receive a 50% discount on all events and services Logos

EVENTS• 1st Annual Fishing Tournament Oct. 24-26th

• November Luncheon Nov 5th

• Nutcracker Market Express Nov 15th

• Holiday Open House Dec 3rd


Here are the questions:

Where do you work?

Independent Insurance Agents of Houston

What sound do you love?

Waterfall

If you could paint a picture of any scenery you’ve seen before, what would you paint? New Zealand

What was the first thing youbought with your own money?

An airplane ticket

If you could choose to stay a certain age forever, what age would it be?

35

What did you do growing up that got you into trouble?

Nothing, I was a good kid!

Weirdest thing you have ever eaten?

Cow Tongue

What is your pet peeve in traffic?

Distracted drivers

Do you have any hidden talents?

Nope

What is your favorite flavor of jelly beans?

Vanilla

What is your favorite electronic device?

IPhone

What is the longest car trip you have ever taken?

10,000 mile summer trip through the west

Can vegetarians eat animalcrackers?

Ha Ha, of course

Q:A:

Ninjas or pirates?

Pirates

What was your favorite childhood television program?

Leave it to Beaver

Are you a collector of anything?

Golf Towels, I know, it’s strange

At a movie theater, which arm rest is yours?

Both

Q:

A:

David Wuthrich

Q:A:Q:

A:

Q:

A:Q:

A:

Q:

A:

Q:

A:

Q:A:

Q:A:

Q:

A:

YOU DO! Tell The HoustonInsurance News!

Q:

A:

Q:A:Q:

A:

Q:

A:Q:

A:

Q:A:

http://jobs.iiah.org


Business Card Ads ...................................................50

Hull & Company .......................................................7

IIAH Career Center .................................................49

Lighthouse Property Insurance Corporation ........26

LUBA Workers’ Comp ..............................................2

McClelland & Hine .................................................39

Midlands ....................................................................8

NeitClem Wholesale Insurance ..............................10

RPS Risk Placement Services, Inc. ..........................51

RSI ............................................................................46

SafePoint Insurance ................................................47

Service Lloyds ..........................................................35

Summit ....................................................................37

Texas Construction Safety Group ............................5

Texas Mutual ...........................................................36

Vintage Underwriters ................................................9

Windhaven ..............................................................41

mailto:tomas%40texins.net?subject=Information%20Request

mailto:tcampbell%40midman.com?subject=

mailto:aarnold%40epinsurance.com?subject=

mailto:hin%40iiah.org?subject=



Fostering Partnerships

Since our beginning in 1997, the hallmark of RPS has been building partnerships with our carriers and our customers. To us, you’re much more than a customer; you are true partners that deserve the highest level of service and our unwavering commitment to provide a platform of strategies and programs a true partner expects from a market leader.

To learn more how RPS is building partner relationships with retail agents and brokers across the country, we invite you to download our Building Rela-tionships That Thrive at RPSins.com/Relationships. For other information contact Walter Tomlinson 832.300.2238, [email protected] or email [email protected].

RPSins.com

We BuildRelationshipsThat Thrive

http://www.RPSins.com

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