INDEPENDENT INSURANCE AGENTS OF SOUTH …...access to their insurance information, including auto ID...
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INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA April 2014
Transcript of INDEPENDENT INSURANCE AGENTS OF SOUTH …...access to their insurance information, including auto ID...
INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA
April 2014
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.
GET WISE about your agency
RISK MANAGEMENT.
the Big “I” Professional Liability Program
Swiss Re Corporate Solu ons policyholders: Don’t miss out on the invaluable risk management resources available exclusively to you. Log in to www.iiaba.net/EOHappens to access claims sta s cs, preven on tools, insigh ul ar cles and more.
Insurance products underwri en by Westport Insurance Corpora on, Overland Park, Kansas. Westport is a member of the Swiss Re group of companies and is licensed in all 50 states and the District of Columbia. © 2012 Big “I” Advantage, Inc. and Swiss Re
Visit www.iiaba.net/EOContact to connect with your state associa on today.
Prevent. Our exclusive risk management resources help your agency avoid making common preventable mistakes.
Protect.Our superior coverage through Swiss Re Corporate Solu ons and our experienced claims teams are in your corner in the event of a claim.
Prosper. When you know you have the best agency E&O Protec on, you can focus on growing your most important asset–your business.
The Big “I” and Swiss Re Corporate Solu ons are commi ed to providing IIABA members with leading edge agency E&O products and services. The IIABA and its federa on of 51 state associa ons endorse the comprehensive professional liability program offered by Swiss Re Corporate Solu ons.
Insurance products underwri en by Westport Insurance Corpora on, Overland Park, Kansas. Westport is a member of Swiss Re Corporate Solu ons and is licensed in all 50 states and the District of Columbia. © 2012 Big “I” Advantage, Inc. and Swiss Re
2014 OFFICERSPRESIDENT
Gerrit JufferJuffer Inc.
Wagner SD
PRESIDENT-ELECTSteve Walker
First Madison InsuranceMadison SD
VICE PRESIDENTPat Tollefson
Insurance PlusAberdeen SD
SECRETARY-TREASURERAnnette Conway
Western Dakota InsurorsRapid City, SD
PAST PRESIDENTKathy Johnson
First Western InsuranceRapid City SD
IIABA STATE NAT’L DIRECTORDan Maguire
Black Hills Agency IncRapid City SD
2014 DIRECTORSDISTRICT # 1
Jesse KonoldKey Insurance Inc.
Mobridge, SD
DISTRICT # 5Janet Noteboom
The Insurance CenterWinner, SD
DISTRICT # 2Mindy Huntington
Fischer Rounds & Assoc.Watertown SD
DISTRICT # 6Pat Tollefson
Insurance PlusAberdeen SD
DISTRICT # 3Rich Job
BW Insurance AgencyVermillion, SD
DISTRICT # 7Derrick Linn
Western Dakota InsurorsSturgis, SD
DISTRICT # 4Amy Olson-Miller
McKinneyOlson InsuranceSioux Falls SD
DISTRICT # 8Annette Conway
Western Dakota InsurorsRapid City, SD
EXECUTIVE VICE PRESIDENTJerry Diamond
IIASDPierre SD
INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA
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The Executive Corner Jerry Diamond, Exec VP
EXECUTIVE CORNERI had the privilege of traveling to Washington, D.C. with five of our IIASD board members and five young agents from South Dakota. We attended the Big I Legislative Conference and lobbied our Senators and Representative. The most impressive opportunity was being able to meet with all three of our United States Legislators.
The highlights of the trip were listening to two U.S. Representatives - a Republican from California and a Democrat from New York. Both had the same message: that our Great Nation is in big trouble and it is nothing that cannot be fixed. They agreed on one main point: that both parties need to work together to get this Nation back on its feet.
The other highlight was assigning a question of concern to each young agent and having them present this question to our South Dakota legislators. The young agents all started off a little nervous, but in the end, they started to sound like lobbyists! We covered the Farm Bill, Taxation, NARABII, the Affordable Care Act, and several other insurance issues.
This conference had many great speakers and they covered everything from marketing to politics. This truly is a once in a lifetime experience and more of our members should apply to be part of this annual trip. We will have more on our trip to Washington D.C. with photos in our May issue.
Remember: Think Spring.
E&O EDGE – Carolyn Hofer, E&O Administrator
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Save the Date: June 2 – 5th
E&O Loss Control Seminars It is that time of year again – even though the weather doesn’t always seem to cooperate, Spring is here which is evidenced by the crowing rooster pheasants and the newborn calves we see everywhere in the pastures. It has been a long winter and we are ready for change. Speaking of change – you won’t want to miss the E&O Risk Management seminar we have coming up the first week of June. “Meeting the Challenge of Change” offers a practical, professional, well-rounded approach to reviewing your procedures and agency organization to insure that you do everything possible to prevent an E&O claim from ruining your day, your reputation and your finances. This year, we are excited about bringing in aninstructor who has been involved with Westport and our National Association in developing the criteria and material for E&O Loss Control programs. Cheryl Koch of Roseville, CA has spent most of her 30-year career on the agency side so she can relate to your everyday operation. She has also worked on the company side as VP of Learning and Development so she knows insurance operations from the inside out. Sitting through an all-day seminar is hard for all of us who jump from one task to another in our everyday work day so I feel it is important to have a great educator who knows the subject and has experienced the culture. Cheryl fits the bill.Who Needs to Attend? Everyone in your agency should periodically attend the E&O Loss Control seminar. My suggestion is to rotate those who attend making sure that everyone has the opportunity to attend one of these seminars every three years……even unlicensed employees. South Dakota Statistics South Dakota Claims statistics show that producers/account managers and CSR’s cause 90% of the E&O claims in an agency with Commercial Lines (34%) and Crop (48%) being the top lines resulting in claims. The alleged error/omission that produce the highest cost claims are: 1)Failure to procure coverage – 24% 2)Inaccurate information – 22%We have great agents in South Dakota and our legal climate is more favorable than many other states; however, we do have E&O claims. If you are lucky
enough to never have experienced one, don’t count on your luck prevailing. It just takes one small mistake (and we all make them) or one disgruntled client to ruin your day. You don’t even have to be wrong! You may have just not documented your file well enough to establish the facts. We have had years with great loss ratios but it just takes one or two big claims and with the small volume a state like SD develops, the loss ratio can elevate over 75% like it did in 2011 on our Westport book. Fortunately, we are part of a National Program so we don’t have to worry about losing our carrier but as we all know, loss experience affects rates!What Can YOU Do?Mark your calendar right now to attend this year’s E&O Loss Control seminar – Meet the Challenge of Change needed in your agency.
Register Today – See Page 29 for registration formand attendance requirements for E&O credit
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Division of InsuranceNews and Views
SIMPLE SOLUTIONS TO ATTRACT AND RETAIN CUSTOMERS.
Learn how Progressive leads the independent agent market in awareness, consideration, savings, and customer service*. To view our product offerings and to become a Progressive appointed agent, visit ProgressiveAgent.com.
Progressive Casualty Ins. Co. & affi liates. *Source: Millward Brown monthly brand tracking study, Q4 2012. 13A00200.B05 (09/13)
Karen BailoGM, Agency Sales
and Distribution
Agriculture Act of 2014 (the 2014 Farm Bill)
The Agricultural Act of 2014, or the “farm bill,” was signed into law in February. This extensive law makes major changes in commodity programs, adds new crop insurance options, and expands programs for specialty crops, organic farmers, bioenergy and rural development.
Perhaps the biggest change in the new law is that support for traditional program crops is reorganized by eliminating direct payments and allotting the savings into the crop insurance program. Instead of receiving direct and countercyclical payments as in prior years, which were automatic and based on farm prices, acreage and yields, the role of crop insurance as farmers’ safety net will expand.
The federal government will continue to subsidize a portion of farmers’ crop insurance premiums. Farmers will be able to choose between two new programs to augment their crop insurance policy: Price Loss Coverage (PLC) or Agriculture Risk Protection (ARC). These programs, in addition to their crop insurance policy, will compensate them against losses or low farm prices.
The law creates an additional policy called Supplemental Coverage Option (SCO), which would cover part of a crop insurance policy deductible. It also stipulates that crop insurance premium subsidies are available only if farmers comply with wetland and highly erodible land conservation requirements. This option will not be available to farmers who choose ARC in addition to their policy.
The farm bill also tasks the USDA to: conduct research and development for new crop insurance policies; create a new crop insurance policy called Stacked Income Protection Plan (STAX) for cotton producers; establish a peanut revenue insurance program; develop a whole farm risk management program; and begin a study of food safety insurance.
In addition to these changes, the law reinstates and permanently authorizes the livestock disaster assistance program, which pays farmers if they suffer grazing land losses due to fire or drought. It also makes available increased access to credit and loans to beginning farmers and ranchers, streamlines conservation programs, and modifies some provisions of the Supplemental Nutrition Assistance Program (SNAP), commonly referred to as the food stamp program.
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Kayla’s Technology Advice
Game Changer: Electronic Policy Delivery
Article By: Susan Labarre
GreatAmerican Crop.com
Other insurance companies can’t touch our iPAD app!
Our Crop agents can write, sign and submit coverage from the field. Can you?
Great American Insurance Group is an equal opportunity provider. 301 E. Fourth Street, Cincinnati, OH 45202
The insurance industry is a paper hog. Insurance companies probably generate and distribute more paper than any other industry, second only to publishers of books, magazines and newspapers. But even publishers are migrating more and more towards electronic platforms, and carriers are beginning to adapt as well. With the introduction of dual monitors, smartphones and tablets, most insurance organizations have begun to reduce their reliance on paper over the last five years—it simply requires changing getting creative about information exchange, while still remaining “trusted advisers.” The first step? Electronic policy delivery. In increasing numbers, consumers are demanding online access to their insurance information, including auto ID cards, certificates of insurance and copies of their insurance policies—and research indicates that seven out of ten clients prefer electronic documents. Here’s how to implement electronic policy delivery at your agency: Adopt Activity Notes to receive policy copies electronically from carriers directly into agency management system. Implement a new process to obtain and retain the approval of clients to accept electronic versions of policies and other insurance documents. Employ a secure and registered email or eSignature tool to send electronic documents to clients securely, or provide access to documents through a secure, password-protected portal . Combined, these solutions enable the typical agency to: Eliminate scanning and indexing paper copies of many documents, Significantly reduce printing and mailing costs, Reduce the “cycle time” to deliver a policy from weeks down to days or even minutes, Increase renewal retention Learn of transactions before clients do Free up staff to acquire new business, cross-sell and service existing accounts Compete more effectively with direct carriers .
Besides that, moving to electronic delivery is good for our planet. The average tree makes 16.67 reams of copy paper—more than 8,000 sheets, according to conservatree.org. From consumers to corporations, society is recognizing the need to reduce its carbon footprint, but the insurance industry generates billions of pages of paper documents each year. Deliveringpolicies electronically will allow us to preserve vital natural resources. And electronic policy delivery is also good for your bottom line. When agents do the math, reducing dependence on paper saves them time and money. Receiving policies electronically gives agencies an easier, faster way to enter them into the agency management system and deliver them to clients. The migration from paper to electronic documents is an evolution, not a revolution. It will take some time for all parties involved to modify systems and workflows to fully support electronic delivery. Some consumers may never embrace electronic documents 100%, but let’s treat exceptions as just that. Times are changing, and our industry needs to step up to the challenge by setting a positive example and positioning ourselves to compete with direct carriers. To thrive as a value-added distribution channel, independent agents, brokers, carriers and vendors must work together in order to offer our customers an electronic experience that is better than paper.
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Omaha Branch: 800.338.9735 | Home Office: Des Moines, IA www.emcins.com
© Copyright Employers Mutual Casualty Company 2014. All rights reserved.
Retention Strategy #6CLAIMS METRICS
“ When it comes to claims, we know the score!”
EMC does more than handle claims, we score them. Information gathered from adjusters and customers provides us with metrics to continually enhance the quality and promptness of EMC’s claims handling. It’s just one of the many reasons policyholders Count on EMC®.
Connie Jarzynka, Omaha Branch Senior Claims Adjuster
The filing deadlines in this bulletin apply to all individual and small group ACA-compliant health plans, including qualified health plans and stand-alone dental. Each insurer wishing to sell or renew ACA –compliant products with effective dates on or after January 1, 2015, either inside or outside the exchange, must comply with these filing deadlines for rates, forms, access plans,and binder filings. No new filings or revisions to the filings may be made after the filing deadline except as required by the Division of Insurance or the Federal Government.
Category Deadline
Inside exchange only June 15, 2014
Inside and outside exchange June 15, 2014
Outside exchange only June 15, 2014
No Rate or Form filing submitted in accordance with this bulletin will be approved prior to June 15, 2014.
These timeframes do not apply to grandfathered plans and non-grandfathered plans in effect on or before December 31, 2013.
2015 Product Filing Deadlines
www.rascompanies.com 800.732.1486
n Stay at WORK/RetuRn tO WORK PROGRaM DeVeLOPMent
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We partner with our agents to help employers control the risingcosts of managing a workforce while protecting profitability. Wehave a proven history of solid performance throughout SouthDakota and continually develop new ways to overcome the difficult issues inherent to workers’ compensation. We have ateam approach to deliver exceptional service.
1NO.
WORK COMPWriter in SD
Nationwide Strength. Midwest Values.
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IIASD DUES DEDUCTIBILITY
Please note that dues are not deductible as a charitable contribution but may be deductible as an ordinary and necessary business expense. The portion of the dues related to lobbying expense is NOT DEDUCTIBLE as an
ordinary and necessary business expense. The non-deductible portion of dues for 2013 are as follows:
IIABA - 23.14% IIASD - 25%
For tax purposes, add the two percentages together for a total of 48.1% of non-deductible dues.
This is the first year we have shown a non-deductible dues amount for IIASD. Legislative activity affecting the Independent Insurance Agents of South Dakota has required us to take a more active role in lobbying resulting in additional expense. We continue to do our best to protect the role of the independent insurance agent. Be sure to take an active role when we send out email blasts requesting your assistance with your legislators. See
Page 20 of this newsletter for the article on “Get to Know Your Legislator” to complete and return the legislative form to our office. The future of the independent insurance agency system and our industry in hinging on how
we react and work together on the issues that affect how we do business.
Insuring the Midlands Since 1891
Les Hileman, CPCU, AICVice President of Agencies
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2014 IIASD EVENT SCHEDULE
June 2-5th E&O Seminars inRapid City, Pierre, Aberdeen, and Sioux Falls
June 17-19th Board Meeting
River Days/Walleye Classic in Pierre
October 5-7th Board Planning Meeting/
Annual Convention-Deadwood
November 11-12th
Board Planning Meeting
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N E X T I N A N E W S E R I E S O FC E C R E D I T C O U R S E S E X C L U S I V E L Y
F O R A C U I T Y A G E N T S !
W W W . A C U I T Y U . C O MFor All That Matters ACUITY
IT’S A THIN GRAY LINE.
WHERE DO YOU
STAND?
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Northern States Agency, a Managing General Agency & Wholesale Broker for over 55 years, providing a wide range of commercial insurance:
General Liability Property Garage Commercial Auto Excess Auto Workers Compensation
Our underwriters average over 10 years experience with NSASame day or next day response on submissionsGreat Service, Great Products, Great People
2145 Ford Parkway, Suite 202 St. Paul, MN 55116
P: 800-328-0828 • F: 651-646-1971 www.nsa-mga.com
We are known for transportation, BUT… Did you know we have a FULL HOUSE?
Inland Marine & Cargo Umbrella & Excess Professional Liability Miscellaneous E & O Directors & Officers
Your TOTAL Solutions Provider
Nodak Mutual Group including American West Insurance Company, servicing multiple states, has an opportunity for a Field Marketing Representative serving South Dakota. This individual will be responsible for promoting & training the complete product line of American West Insurance, primarily property & casualty and to include crop products, through independent agents to increase premium volume. In addition this position is responsible for recruiting new agencies as well as the quality and integrity of insurance written within the assigned territory. This position is the first point of contact with the field and works as a liaison between American West Insurance and independent agents.
Successful candidates will include:•Self-motivated and able to work independently. •Minimum high school diploma with at least 5 years direct related experience within the property & casualty industry•Prefer college degree in related field, business degree, agricultural, etc.•Insurance sales experience desirable. •Extensive knowledge of basic underwriting concepts, practices and procedures within the property & casualty industry and/or crop insurance.•Incumbent will office out of their home in the territory of South Dakota.•Extensive travel will be required in SD.
Qualified applicants should send cover letter with resume to Human Resources Dept., P.O. Box 2502, Fargo, ND 58108, or email [email protected].
www.yourawi.com
FIELD MARKETING REPRESENTATIVE WANTED:
Your success is our priority and our innovative technology is just one of the many ways we support your business.
Help your producers start the season right with EASYmapping®, our complimentary mapping application. With a simple interface, dynamic imagery and streamlined integration with EASYwriter Pro©, policy mapping has never been easier or more accurate.
Meet your clients at their convenience with EASYmobility®, our full service iPad® app. Quote policies, submit applications and even report acreage anywhere you have an internet connection. Now, crop insurance is as mobile as you want.
Grow your business with our innovative technology!Visit naucountry.com or call 1.888.NAU.MPCI to learn more.
Apple and the Apple iPad tablet are registered trademarks of Apple Inc., registered in the U.S. and other countries. © 2014 NAU Country Insurance Company. All rights reserved. NAU Country Insurance Company is an equal opportunity provider. QBE and the links logo are registered service marks of QBE Insurance Group Limited. NAU is a registered service mark of NAU Country Insurance Company.
Your success is our priority and our innovative technology is just one of the many ways we support your business.
Help your producers start the season right with EASYmapping®, our complimentary mapping application. With a simple interface, dynamic imagery and streamlined integration with EASYwriter Pro©, policy mapping has never been easier or more accurate.
Meet your clients at their convenience with EASYmobility®, our full service iPad® app. Quote policies, submit applications and even report acreage anywhere you have an internet connection. Now, crop insurance is as mobile as you want.
Grow your business with our innovative technology!Visit naucountry.com or call 1.888.NAU.MPCI to learn more.
Apple and the Apple iPad tablet are registered trademarks of Apple Inc., registered in the U.S. and other countries. © 2014 NAU Country Insurance Company. All rights reserved. NAU Country Insurance Company is an equal opportunity provider. QBE and the links logo are registered service marks of QBE Insurance Group Limited. NAU is a registered service mark of NAU Country Insurance Company.
FEATURED PLATINUM PARTNEROF THE MONTH
CONTRACTORS SOLUTIONS
Your gateway to contractors markets.
Commercial | Personal | Professional | Brokerage | Binding | Risk Management Services
Placing insurance for different contractors can be a daunting project. At Burns & Wilcox, our network of domestic and international carriers opens doors to the broadest range of markets. Since time is of the essence, we deliver quotes and binders fast. When it comes to finding solutions for every stage of construction, contact the wholesale broker with the tools to make the hard-to-place easy – Burns & Wilcox.
Denver, Colorado | 303.804.0200 | toll free 800.888.9701fax 303.804.0207 | denver.burnsandwilcox.com
Minneapolis, Minnesota | 612.564.1880 | toll free 800.328.1693fax 612.564.1881 | minneapolis.burnsandwilcox.com
34345_BW Cont IIASD MN1 CO1 Rsz_APPROVED.indd 1 1/7/14 11:37 AM
CONTRACTORS SOLUTIONS
Your gateway to contractors markets.
Commercial | Personal | Professional | Brokerage | Binding | Risk Management Services
Placing insurance for different contractors can be a daunting project. At Burns & Wilcox, our network of domestic and international carriers opens doors to the broadest range of markets. Since time is of the essence, we deliver quotes and binders fast. When it comes to finding solutions for every stage of construction, contact the wholesale broker with the tools to make the hard-to-place easy – Burns & Wilcox.
Denver, Colorado | 303.804.0200 | toll free 800.888.9701fax 303.804.0207 | denver.burnsandwilcox.com
Minneapolis, Minnesota | 612.564.1880 | toll free 800.328.1693fax 612.564.1881 | minneapolis.burnsandwilcox.com
34345_BW Cont IIASD MN1 CO1 Rsz_APPROVED.indd 1 1/7/14 11:37 AM
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WEST DES MOINES, IOWA • 800.274.3531 • WWW.IMTINS.COM
totallyARE YOU
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IIASD HASN’T MOVED
WE ARE JUST CHANGING
OUR MAIL DELIVERY TO:
305 Island Drive
Fort Pierre, SD 57532
“Insuring Homes, Farms, Businesses and Autos”
“A Personable Company Keeping You on Course’’
www.northstarmutual.com1-800-622-5230
Box 48 Cottonwood, Minnesota 56229
Rated “A+ Superior”
Offered Exclusively Through Independent Agents
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Scobie Group 1501 42nd St, Suite 100
West Des Moines, IA 1-800-475-1000 www.fwins.com
Scobie Group 14748 West Center Rd, Suite 202
Omaha, NE 1-800-825-4855 www.fwins.com
Sentry Knows TruckingSentry understands trucking is your number one priority. That’s why we constantly review and enhance our coverages to provide you with the insurance protection you need.
Some of the important coverages we offer include:
• Unlimited towing coverage
• Pollution liability
• Unladen liability
• Enhanced deductible options
• Non-trucking liability
• Blanket additional insured endorsement
• Cargo pollution cleanup
• Accident travel coverage
• Workers’ compensation coverage
Learn more about the products and services Sentry provides. Call today.
Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com. Policies, coverages, benefits and discounts are not available in all states. See policy for complete coverage details.
688225 05/26/11
Ringwalt & Liesche
Tired of waiting for the market to change?
Send your submissions to: [email protected]: 800-708-7448 • F: 402-916-3333 • www.Ringwalt.com
At Ringwalt & Liesche, we’re not waiting around. We’re proud to be an agency that can offer stability regardless of market conditions. Check out our website at Ringwalt.com to learn more, or just give us a call - we’d love to hear from you! • Commercial Auto
• Garage Liability
• General Liability
• Commercial Property
• Workers’ Comp
• Motor Truck Cargo
• Prize Indemnification
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State Farm slapped with $3m in fees Article By: Caitlin Bronson- Insurance Business America
State Farm must pay $750,000 in damages, plus an extra $2.9 million in attorney’s fees and expenses, for defrauding the US government on a Hurricane Katrina homeowner’s insurance claim, a federal judge ruled Friday. The suit was brought by former insurance adjusters Kerri and Cori Rigsby, who alleged State Farm minimized its losses for wind damage by blaming storm surge from Hurricane Katrina, instead causing the burden of repayment to fall under the responsibility of the National Flood Insurance Program (NFIP). Thanks to State Farm’s allegations, NFIP paid homeowners Thomas and Pamela McIntosh up to policy limits of $250,000, while State Farm paid just $36,000 for wind damage. The insurer denied any wrongdoing in the case, and is deciding whether to appeal the verdict to the 5th US Circuit Court of Appeals. For related articles visit www.ibamag.com
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NEW MEMBERS CORNER:
Meet new members of our AssociationWe look forward to providing services to:
Member Agencies:
Lemme Agency Inc.Arlington, SD
Principal- Jan Lemme
Platinum Insurance Group, LLCSioux Falls, SD
Principal- Janelle Duthoy
Join us in welcoming them to IIASD!
Not sure where to turn for Commercial Auto insurance?
Let the insurance experts at E&L show you the way.
www.ericksonlarseninc.com
Maple Grove, MN 800-442-3168
Fargo, ND 800-284-0965
Madison, WI 888-249-6050
www.nwgf.com INSURANCE FOR: Homeowners Farmowners Modular Homeowners Personal Auto Farm Property Dwelling Property Mobile Homes Excess Liability Farm and Personal Liability Classic Vehicle Semi-Truck
Convention 2014October 5th – 7th
The Lodge at Deadwood605-584-4800
Overflow lodging at:SpringHill Suites – Marriott
605-559-0476
Don’t Wait Make your reservations today!
Ask For IIASD Room Block!
We like working with people who share the same values. Don’t you? With Nationwide Agribusiness, you can offer your customers protection from the nation’s number one farm insurer. Here’s a little more about us:
• We’ve been protecting U.S. agriculture for over 100 years
• Our staff considers farming and agriculture to be their passion
• Our state-of-the-art farm policy is designed to offer protection for traditional family farms and large farms with commercial farming operations
• On Your Side® Farm Certification program gives our farm agents a competitive edge
Partner with America’s top farm insurer. Contact Sherry Paczosa, Farm Sales Manager, at 402-450-3176 or [email protected] today.
WE STAND FOR you.SM
And support farming as a business, a lifestyle and a calling.
Source: 2012 Munich Re Report. Based on profit and loss data. Nationwide, the Nationwide framemark and On Your Side are service marks of Nationwide Mutual Insurance Company. We Stand For You is a service mark of Nationwide Agribusiness Insurance Company. © 2013 Nationwide Mutual Insurance Company. Nationwide Agribusiness is a service mark of Nationwide Mutual Insurance Company. GPO-0186AO (12/13)
NationwideAgribusiness.com
FEATURED PLATINUM PARTNEROF THE MONTH
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Serviceis no accidentUnited Fire Group is committed to our independent insurance agents, providing the innovative products and superior service they want and deserve. We don’t take this commitment lightly. At United Fire Group, our underwriters, marketing and claims personnel are recognized for their:
• Reliability,• Honesty,• Responsiveness,• Compassion, and• Fairness.
These are qualities we practice every business day, because at United Fire Group, service is no accident.
At United Fire Group...
United Fire GroupCedar Rapids, Iowa www.UnitedFireGroup.com
Sangeena SharmaProject ManagerUnited Fire Group
BIG “I” PRAISES HOUSE PASSAGE OF ACA EMPLOYER MANDATE RELIEF BILLBill defines a full-time employee as an individual who works 40 hours per week
WASHINGTON, D.C., April 3, 2014 — The Big “I” today applauds the U.S. House of Representatives for passing H.R. 2575, the “Save American Workers Act of 2013,” by Rep. Todd Young (R-Ind.), in a bipartisan vote.
H.R. 2575 would change the definition of a full-time employee (FTE) under the Affordable Care Act (ACA) to an individual who works 40 hours per week. The legislation targets the employer mandate provision of the ACA that says “large employers” must provide coverage to employees.
“Independent agencies serve many clients who have struggled with the prospect of complying with the employer mandate, and in particular the 30 hour per week definition of a FTE,” says Robert Rusbuldt, Big “I” president & CEO. “H.R. 2575 is a common-sense fix and we applaud the House, particularly Rep. Young, for advancing this bipartisan effort.”
Originally slated to go into effect in 2014 in tandem with the individual mandate, the employer mandate requires businesses with 50 or more FTEs to provide affordable (premiums no greater than 9.5% of income) coverage of at least a Bronze level plan equivalent (60% actuarial value) to its employees. While the provision has many problems, the most glaring concern is that the definition of a FTE is an individual who works an average of 30 hours per week as opposed to the traditional 40 hours per week.
“Implementation of the employer mandate has caused many businesses to undergo the prospect of great financial strain, or to contemplate dropping their health care plan altogether,” says Charles Symington, Big “I” senior vice president for external and government affairs. “The Big “I” believes H.R. 2575 would provide much-needed relief for job creators.”
Pre-Licensing Class Announcement
IIASD and A.D. Banker of the Dakotas Have Partnered
We are excited to announce that IIASD and A.D. Banker of the Dakota have partnered to provide insurance and securities licensing preparation classes and materials at a 15% IIASD Member Discount. A.D. Banker offers Exam Prep classes each month in Sioux Falls and quarterly classes in Rapid City.
Class schedules are listed at: www.adbanker.com/dakotas
Self-study and online study options for Exam Prep are also available. Materials and classroom instruction have been very successful with an average of 95% of students taking their license exam passing on the first try!Sandy Kost is the Owner/Managing Director of A.D. Bank-ers of the Dakotas and has worked in the insurance and financial services industry since 1988. She has worked with insurance agents, investment reps, agencies and banks in SD, ND, NE, IA, MN and WI. She has provided training on various products and topics.To register for a class or to order materials, go to:www.adbanker.com/dakotasCall: 605-271-4440 or 877-317-3087. Be sure to use the IIASD Promo/Discount Code to receive your 15% Member Discount. Promo Code: 1594626
PO Box 89846 Sioux Falls, SD 57109-9846
P. 605.361.5705 or 866.440.1840E. [email protected]
WHOLESALE ACCESS toFirst Dakota Indemnity and Dakota Truck Underwriters,known as the Dakota Group. The DakotaGroup is the largest writers of workers’compenation business in South Dakotaand a leading writer in the Midwest.
Contractors
Healthcare
Hospitality
Manufacturing
Retail
providing workers’ compensation solutions
IIASD 2011 in color FINAL_Layout 1 10/27/2011 3:22 PM Page 1
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Austin Mutual Insurance Company’s rich tradition and strong South Dakota presence set us apart from other property/casualty carriers.
As the newest affiliate of super regional The Main Street America Group, our two companies are committed to providing you with commercial and personal lines, as well as fidelity and surety bond, products that are competitive in the marketplace.
The Right Mix
Need More information? Call (800) 328-4628 or Visit www.msagroup.com
www.msagroup.com
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STeAdY ANd True
No company understands the insurance needs of
truckers more than Truckers Insurance Associates
— created by truckers for truckers. And for 60 years,
Truckers Insurance has remained solely focused on
transportation industry insurance. So whether your
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555.123-4567
Mailing Address:
123 MAIN ST.Edina, MN 55435-5312
ABC INSURANCE AGY
Download Western National’s mobile app today!
We commit ourselves to providing you with the highest quality claims and case management services available in our industry. We appreciate your continued support and look forward to serving your needs. Please visit our website for a directory of our staff, services, and coverage area.
Jeff Jares, AIC AIM President
Adjusters – Sioux Falls
Nancy Almendinger SCLA SDWCS Jennifer Andrisen Selzler, Mgr. SCLA AIC CSRP SDWCS
Tim Wieker SCLA AIC HCRI-R, C Christopher W. Madsen J.D. General Counsel
Bill Blackman AIC Lynn Bren SCLA AIC Ron Burmood MBA AIC Kay Greve AIC, INS Dave Johnston SCLA Jerry Matthiesen AIC Dave Sendelbach CPCU AIC Chad Moore Wendi Peterson AIC Amy Kvernmo Kimberly Rausch SDWCS
Adjusters – Rapid City John Keffeler, AIC Bruce Eleeson
Case Managers Donna Passick RN CCM Kelly Rud RN BA LNCC Deb Whipple RN BA CCM Lori Schaefbauer RN BSN CCM
FRAUD Convictions
The cover was blown on this roofing ploy. Contractor James Twaddle cruised Kentucky neighborhoods offering to install new roofs, asking for money upfront but never completing the work. Twaddle was the president of Restore-IT USA, a roofing company located in Columbus, Ohio and ran his Kentucky outlet from an office in Louisville. Twaddle’s allegedly deposited the stolen money into a company bank account and transferred the client loot to his personal account. He received two years suspended for taking more than $2,460 from Diana Amos. He must repay her and other victims nearly $7,900 total, and faces more charges in other Kentucky counties. Insurance fraud is among the 42 counts Twaddle also faces in Ohio.
The injury con by a scrap-metal dealer has been scrapped, the Ohio Workers’ Compensation Bureau says. Dale Richards said a work injury prevented him from continuing his job and he went out on temporary total disability. The Grove City man received nearly $30,400 in comp money while making a living selling 74 tons of scrap in Columbus. Richards also did construction and remodeling work. He received eight months in prison and must repay the money.
Another kind of one-armed bandit showed up in Las Vegas. Postal worker Michael Le Duc told three insurers that a wood chipper ground up his left arm in a grisly accident. He made disability claims worth $900,000. Le Duc went to a hospital for another matter then altered the medical forms to reflect the fake injury. He pleaded guilty and received more than four years in jail.
Superstorm Sandy rained on Farouk Soliman’s con. The Little Silver, New Jersey man told his insurer that the big storm trashed his barn. But it turns out that the local municipality had condemned the barn for being structurally unsound before the winds touched down in Monmouth County. Soliman filed a false claim to try and recoup the cost of hiring a demolition firm to raze the barn. He pleaded guilty Monday and will receive up to a year in jail when sentenced in May.
A former conductor turned on fellow Long Island Rail Road employees to avoid jail for faking disability to retire early at railroad expense. James Maher pleaded guilty last year to stealing nearly $350,000. He retired in 2003 and claimed a severe disability. Maher said he had difficulty standing and bathing, doing chores, and driving. But, the supposedly debilitated Maher worked 1,000 hours of overtime the year before retiring to maximize his pension. He also drove 900 miles to Florida after filling out his disability application and performed home improvement projects in retirement. He then lied to a grand jury that he had hired a handyman for the home projects. Maher testified against other LIRR employees in exchange for lenience — 300 hours of community service. He also must repay $400 per month, giving him 72 years to finish up. At least 33 doctors, consultants, retirees, and others have been charged and convicted in what prosecutors say was a massive decades-long conspiracy to scam the LIRR. The scheme could have cost $1 billion if not stopped, prosecutors say.
Why American West Insurance?• Local company with over 60
years agriculture insurance
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Be Protected. Be Sure®.
yourawi.comTo learn more about AWI contact Bruce Meyer at [email protected] or call 605-929-2782.
Agribusiness • Farm & Ranch • Farm & Ranch Auto • Personal Auto Excess Liability • Watercraft • Crop-Hail • Multi-Peril
23
WE STAND FOR you.SM
Source: 2012 Munich Re Report. Based on profit and loss data. Nationwide, the Nationwide framemark and On Your Side are service marks of Nationwide Mutual Insurance Company. We Stand For You is a service mark of Nationwide Agribusiness Insurance Company. © 2013 Nationwide Mutual Insurance Company. Nationwide Agribusiness is a service mark of Nationwide Mutual Insurance Company. GPO-0186AO (12/13)
NationwideAgribusiness.com
Offer your customers protection from the nation’s number one farm insurer. Contact Sherry Paczosa, Farm Sales Manager, at 402-450-3176 or [email protected] today.
And support farming as a business, a lifestyle and a calling.
White House Signs Homeowner Flood Insurance Affordability Act
On Friday, March 21, President Obama signed HR3370, also known as the Homeowner Flood Insurance Affordability Act of 2014. This bill was passed with hopes to address some of the unintended consequences impacting flood policyholders due to the Biggert-Waters Reform Act of 2012 (BW12).
Now that the president has approved the Affordability Act, FEMA and the NFIP are actively working to analyze the changes this new law brings and determine how each element will be implemented. At this point, industry analysts believe it may take 12-18 months before FEMA begins issuing refund checks or executing against any of the bill’s primary changes.
In the meantime, for an overview of the key highlights we expect to see from the Homeowner Flood Insurance Affordability Act of 2014, please refer to our latest Flood News bulletin here.
You can count on Selective to continue to keep you informed of any developments and how they may impact your flood insurance business. For additional assistance or if you would like more information, please contact me today.
United Fire Group
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Insurance Operations ManagerFairmont, MN
Bank Midwest Insurance is seeking a full-time Operations Manager to oversee and administer agency-wide operations for locations throughout SW MN and NW IA. Accountable for the overall core operating system and implementing standardized procedures for all end users. Must be a leader with strong technological and problem solving skills. Bachelor’s degree preferred and a minimum of 3 years insurance experience. Bank Midwest Insurance is an independent agency. Competitive wage and benefit package, including an employee stock ownership plan.
To apply for this position please visit bankmidwest.com and click on About for Employment opportunities.
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The Most Important Lessons I’ve Learned about Selling for a Livingby John Chapin
After 26+ years as a successful salesperson, here is what I know to be true about sales. Six Sales Lessons Lesson #1: If you’re looking for 9 to 5 and safety and security, sales is not for you. Sales really is the hardest high paying work or the easiest low paying work. Top salespeople are extremely hard workers, they get in early, stay late, and most work the weekends. While it’s true that well-established salespeople sometimes cut back a bit on their hours and weekends, when needed, they are still able to call upon a great work ethic and put in the extra hours. Top salespeople go above and beyond, they answer their phones off-hours, and they are always ready to respond at a moment’s notice. In addition to putting in extra hours, working outside of “normal” hours, and working extremely hard, top salespeople are able to take the ups and downs of a sales career. They are experts at overcoming adversity and pros at controlling their emotions. They realize that sales is not for the feeble or faint-of-heart. They know you need to keep your mental edge at all times and you must learn to use everything to your advantage. Lesson #2: Successful salespeople always find a way to succeed. Have you ever noticed that the most successful salespeople are always successful regardless of how bad the economy, the market, or anything else seems to be? Have you also noticed that unsuccessful and mediocre salespeople are always, at best, average no matter how good things are? 90% of your brain, the subconscious, is super creative. Successful salespeople use the creative brain to come up with resourceful ways to increase business, get through hurdles, and overall, become more successful. Unsuccessful and mediocre salespeople use the creative brain to find ways to look busy, waste time, and otherwise avoid the hard work necessary for success. They clean their desk, do paperwork in the middle of the day, or schedule doctor appointments and other personal items during prime calling times. This is the same theory behind why the rich get richer and the poor get poorer. Lesson #3: Sales success or failure comes down to you. This ties in with #2. Successful salespeople know that if you do the proper amount of the right activities during the day, you will be successful, if you don’t, you won’t. This of course assumes that you have a decent product and work for a reputable company. If that is the case, and you still fail, you have no one to blame but yourself. It’s not the economy, your upbringing, or the bad break you got 15 years ago. Many others have had it much worse than you and have been successful; the top salespeople understand that you and you alone are responsible for your success or lack thereof. Lesson #4: You need to have a burning desire to succeed. Successful salespeople know what they want for themselves and their families, they have a plan to get there, and they will either win or die trying. They do not allow for anything other than success. You can see it in their eyes, hear it in their voice, and sense it in the way they carry themselves. There is an overwhelming confidence that they will achieve the outcome they desire and they do so time after time. Top salespeople know that you can have it all and you don’t have to sell your soul to get it, but you do occasionally have to go through hell.
Lesson #5: You are the parent of an 18 year old… and the 18 year old is you. Any parent of an 18 year old knows how tough it can be to get them to do some things. Well, when it comes to sales, you are your own 18 year old. Top salespeople are self-starters and have the self-discipline to govern themselves and get themselves to do what must be done every day. They realize that in sales you are self employed and that if you make the sales, you’ll stick around, if you don’t make the sales, you’ll be gone. The bottom line is: if you need someone standing over you to make sure you are doing what you have to do, you’re in the wrong business. Top salespeople have the drive and motivation to push themselves extremely hard even when they’re all alone. Lesson #6: You always have to be learning and improving. Top salespeople know that you can never know it all. There are always new techniques, new technology, and new ideas that are being created every day. Top salespeople stay up on changes in the industry, keep abreast of the latest sales ideas, and constantly look for ways to stay positive and motivated. They are always looking for ways to develop themselves personally and professionally. Top salespeople get that there is no neutral or standing still, you’re either getting better and moving forward, or losing your edge and moving backward. They know that school is never out and there is always more to be learned. For John Chapin’s free newsletter, or if you would like him to speak at your next event, go to: www.completeselling.com With over 26 years of sales experience, he is a number one sales rep in three industries, and author of the sales book of the year: Sales Encyclopedia. For permission to reprint, e-mail: [email protected].
The top 5 states for auto, homeowners hikes in 2013Article By: Caitlin Bronson of Insurance Business America
Auto and homeowners insurance rates continued a moderate increase in most parts of the US, but unfortunately not in these states.
Personal auto insurance carriers raised their rates by an average 2.5% nationwide last year, while homeinsurers increased prices by roughly 5.1%, according to figures from insurance consultant Perr & Knight’s RateWatch report.
While the rate increases reflect a general trend towards moderately higher prices in the two markets, five states led the others—in some cases, by double digits.
Top 5 states for homeowners rate increases1. Oklahoma—12.1%2. Florida—11.0%3. Kentucky—10.9%4. Kansas—10.3%5. North Carolina—10.1%
In an interview with Insurance Business, Nichelle Dawkins, director of strategic data for Perr & Knight, attributed the double-digit increases in Midwestern states to last year’s wildly active tornado season.
“As you recall, Oklahoma had a tornado that affected huge portions of the state and the next week, there was a tornado in Oklahoma City,” Dawkins said. “It’s been a challenging environment for homeowners carriers to operate in just because [Oklahoma] is known for being a cat-prone state.”
Not all states experienced such high increases, however. In California and Hawaii, homeowners actually saw some relief. California policyholders experienced a 3.4% decrease in homeowners insurance in 2013, while Hawaiians saw rates go down 0.7%.
Dawkins attributed California’s decrease to the tightly regulated insurance environment, though stressed that it is “too early” to make definitive statements about the downward trend.
Top 5 states for auto rate increases1. Michigan—8.6%2. Georgia—5.2%3. New York—4.3%3. Delaware—4.3%5. Nevada—4.1%
Drivers behind Michigan’s rate increases were seen more in liability policies than physical damages, Dawkins noted.
“Michigan’s overall rate increases were driven by liability coverage,” she said.
Perr & Knight has been evaluating rate fluctuation in all 50 states since 2011. Following the release of these numbers, Dawkins said the firm plans on “providing analysis” for their carrier clients.
For related articles go to www.ibamag.com
FEMA ISSUES OVERVIEW OF THE HOMEOWNER FLOOD INSURANCE AFFORDABILITY ACT OF 2014
At Selective, we’re dedicated to being your go-to-resource for flood insurance news. That’s why we wanted to be among the first to share an overview of FEMA’s official bulletin pertaining to the recently passed Homeowner Flood Insurance Affordability Act of 2014.
While FEMA does not include actual implementation dates of the Affordability Act’s primary changes (lowering rate increases on some policies, preventing future rate increases on others and implementing a surcharge across the board), the bulletin does provide a detailed report of all the moving pieces currently being analyzed and prioritized by FEMA as a result of the enactment of this new legislation.
What’s at the top of the ‘To Do’ list?
In the overview, FEMA states that their initial priority is assessing NFIP business process changes needed to prevent additional rate increases on certain subsidized rates and to work with Write Your Own insurance companies to outline a plan for issuing refunds for those policies already affected.
Selective is working closely with FEMA to implement these elements and you can continue to trust that we will keep you informed of any developments and how they may impact your flood insurance business.
To review FEMA’s bulletin click here.
For additional assistance or if you would like more information, please contact me today.
E&O Risk Management:Meeting the Challenge of Change
JUNE 2, 3, 4 & 5, 20146 Hours Continuing Education Credits (L/H or P/C)(pending)
June 2, 2014 - Monday Rapid City, Ramkota– 2111 N LaCrosse St 605-343-8550 June 3, 2014 - Tuesday Pierre, RedRossa– 808 W Sioux Ave Ste 200 605-224-6877 June 4, 2014 - Wednesday Aberdeen, Ramkota – 1410 8th Ave NW 605-229-4040 June 5, 2014 - Thursday Sioux Falls, Ramkota – 3200 West Maple St 605-336-0650
Registration 8:30 Class 9:00 - 3:30 $65.00 for Members - $80.00 for Non-members
(Fee includes coffee, rolls, lunch and materials) This Seminar is designed to provide practical, real-world E&O loss prevention techniques along with resources and tools to implement these procedures. Participants will be instructed on how to handle potential claims and alerted to recent agency E&O trends.
INSTRUCTOR: Cheryl Koch of Roseville, CA, is the owner of Agency Management Resource Group and instructs classes, trains and consults on agency management across the country. Cheryl spent most of her 30-year career on the agency side of thebusiness, including ownership of a large Southern California independent agency. She also worked on the company side as Asst. VPof Learning and Development. Cheryl has been teaching E&O classes for many years and has been involved in the development of the E&O Best Practices material. She brings a practical, professional, well-rounded approach to loss control.
HOW TO QUALIFY FOR IIASD LOSS CONTROL CREDIT: An insured who obtains their professional liability coverage for insur-ance producers through the IIASD sponsored programs will earn a percentage credit on their total annual premium if they attend an approved loss control seminar and remain loss free after attending. On-line course attendance is allowed for 50% of total attendees required.
LOSS CONTROL CREDIT REQUIREMENTS Agency Size Required Attendance Total Attendees Required
1 1 active agency principal, owner, partner or officer 12-7 1 active agency principal, owner, partner or officer and 1 producer or CSR 28-20 1 active agency principals, owner, partners or officers & 1 active agency principals,
owners, partners, officers, operations managers or producer and 2 producers or CSRs 4
21-50 1 active agency principal, owner, partner or officer & 1 active agency principal, own-er, partner, officer, operations manager or producer & 1 CSR and 3 producers or CSRs
6
51+ 1 active agency principal, owner, partner or officer & 2 active agency principals, own-ers, partners, officers, operations managers or producers & 2 CSRs and 5 producers or CSRs
10
Payment must be received with registration.Send form in with payment or you can also go to www.iiasd.org and register online.
------------------------------------------------------------(Clip & Save Upper Portion)-------------------------------------------------------
2014 E&O LOSS CONTROL SEMINAR
NAME/NAMES: _________________________________________________________________________________
AGENCY/COMPANY: _____________________________________________ CITY: __________________________
E-Mail: ____________________________________________________ PHONE: _________________________
I/we will attend at the following location: $65 for each IIASD Member _____ June 2 Rapid City, Ramkota $80 for each Non-Member _____ June 3 Pierre, RedRossa
_____ June 4 Aberdeen, Ramkota Amount enclosed $ ______________ _____ June 5 Sioux Falls, Ramkota
Return to IIASD 305 Island Drive Pierre SD 57532605-224-6234 (phone) 605-224-6235 (fax)
RIVER DAYS/ WALLEYE CLASSIC CONFERENCE
June 17th & 18th, 2014Izaak Walton Clubhouse, Pierre, SD
1200 Izaak Walton Road5 hours of CE (4 hrs P&C/ 1 hr General)
YOUNG AGENTS COMMITTEE WELCOMES YOU TO THE IIASD’S RIVER DAYS/ WALLEYE CLASSIC This is a must attend event for our IIASD members! Our Young Agents Committee has put together a great combination of recreation andeducation that is sure to be complimented by the warmth and welcome of the Pierre community!
Rooms: IIASD room blocks at the Americ Inn $89 rooms 605-223-2358 on or before Friday, May 31st, 2014.
RIVER DAYS/ WALLEYE CLASSIC REGISTRATION FORM Payment must be sent with this form. Credit Card online registration at www.iiasd.org.
---------------------------------------------------------Clip and Save Upper Part-----------------------------------------------------------NAME:________________________________________________________ AMOUNT ENCLOSED________________
AGENCY/CO:_________________________ PHONE # :_____________________EMAIL:________________________________
ADDRESS:______________________________________ TOWN:___________________________ ZIP___________________
(IIASD Member Agents and Company Partners are considered members)
Fishing Registration _______ $135 member _______ $275 non-member
Golf Registration Avg. 9 Hole Score ________ _______ $135 member _______ $275 non-member
CE Only- 5 hrs credit (4 P/C; 1 General) No Charge- hosted by Div. of Ins.
_______ Attending _______ Not Attending
Steak Fry and evening activities _______ $30 member _______ $50 non-member
Largest Walleye Calcutta _______ $10 entry fee Optional “Final Fore” Golf Competition _______ $10 entry fee Optional
RETURN TO: IIASD 305 Island Drive Fort Pierre SD 57532- PH 224-6234 - FAX 224-6235
Tuesday, June 17, 2014 Wednesday, June 18, 2014
12:00 pm CE Registration- Izaak Walton Fishing6:00am-2:00pm
Launch anywhere on the Missouri River or Lake Oahe Largest Walleye Calcutta- $10
1:00pm-5:00pm Education CE--Izaak Walton (4 hrs P&C) Worker’s Comp with NCCI; Berkley Assigned Risk and Division of Labor;(1hr Gen.) 2014 Legislation – Merle Scheiber
2:00 pm
Golf
9:00 am
Weigh-In at Down’s Marina 800 S. Washington Hillsview Golf Course 4125 E Highway 34 Pierre, SD
Golf Tournament- Shot gun start Sack lunch provided
5:00 pm Event Registration & Trap Shoot-Izaak Walton shells provided 12:00pm “Final Fore” Competition
7:00 pm Steak Fry and Rules Meeting- IzaakWalton Beer Furnished
3:00 pm Fish Fry- Izaak Walton Golf & Fishing Prizes Awarded
POWER IN PARTNERS April 2014
DIAMONDProgressive Insurance Co.
Graber & AssociatesPLATINUM
Great Plains BrokerageFarmers Mutual of NebraskaRisk Administration Services
Great American Insurance CompanyQBE NAU
Nationwide Mutual Insurance Co.GOLDPro Ag
Austin Mutual Insurance CompnayDakota Claims Service
The IMT GroupLe Mars Insurance Company
North Star Mutual Insurance CompanyRain & Hail, LLCUnited Fire Group
SFM Mutual Insurance CompanyCGB Diversified Services, Inc.
Columbia Insurance GroupWestern National InsuranceContinental Western GroupLiberty Mutual Insurance
Avera Health PlansEMC Insurance Companies
Doss & AssociatesIntek Cleaning and Restoration
SILVERAcuity
Farmers Alliance MutualSwiss Re
State Auto Insurance CompaniesRisk Placement Services
NCMIC Finance CorporationRurual Community Insurance Services
Auto-Owners InsuranceBRONZE
Buckeye Insurance GroupBjornson/Sentinel E & L
Insurance Alternatives, LLC Missouri Valley Mutual Insurance Co.
Northwest GF Mutual InsuranceFarmers Mutual Hail of IowaCenter Mutual Insurance Co
American West Insurance
