Main Street - March 2013

INSIDE The Legislative Beat »7 Lawsuits: AIG Vs. the U.S. Government »14 Oregon’s Greg Walden — Itemize ObamaCare Taxes »18 NCOIL on Navigators »19

Photo Credit: Some rights reserved by Phil Roeder Streetscape - Sherman Hill, Des Moines, IA

March 2013 | Published Monthly

Insuring the Midlands Since 1891 Les Hileman, CPCU, AIC Vice President of Agencies 800-742-7433 lhileman@fmne.com

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Did you

know

Federal Legislative Summit Did you know that on April 10-11, 2013, PIA members from across the country will come to Washington, DC to meet with their Members of Congress? These dedicated agents will be participating in PIA’s annual Federal Legislative Summit.

These agents know that laws made on Capitol Hill can have devastating effects on their businesses. They also know that PIA will provide them with tools, information and support materials so that they can speak eloquently with their Members of Congress.

Here are some of the important issues that PIA members will be talking about at this year’s FLS: • Crop Insurance • Health Care Reform • National Flood Insurance Program • Regulation of Insurance

CLICK TO PLAY VIDEO

• Tax and Regulatory Reform To learn more about the 2013 PIA Federal Legislative Summit, visit www.piafls.com. To learn how you can become a PIA Grassroots Action Leader, visit www.piagrassroots.com. If you are not a PIA member, please join the fight. Contact us for a membership application or visit us online at www.pianet.com/joinpia

National Association of Professional Insurance Agents 400 N. Washington St., Alexandria, VA 22314-2353 www.pianet.com | membership@pianet.org | (703) 836-9340

Top Stories The Legislative Beat | 7 On February 26th, we held our Annual Legislative Luncheon at the Governor’s Residence in Lincoln.

Ben Nelson to the Rescue New CEO of NAIC Declares “No Need for Dual Regulation” | 9 Our state-based system of insurance regulation got a major shot in the arm in January when former Nebraska Sen. Ben Nelson (D) was appointed as the new chief executive officer (CEO) of the National Association of Insurance Commissioners (NAIC).

NAIC’s New CEO & the FIO | 11 Former Nebraska Senator and new National Association of Insurance Commissioner’s CEO Ben Nelson has plenty to say about the Federal Insurance Office (FIO).

Commercial Rates & More Profit Info | 12 Towers Watson’s quarterly survey CLIPS — Commercial Lines Insurance Pricing Survey — is out.

Lawsuits: AIG Vs. the U.S. Government | 14 Unraveling AIG verses the federal government actions in the last decade requires the skills of a Sherlock Holmesian super sleuth.

Danger: Cyber Attacks & Cyber Insurance — a Rising Business Opportunity | 15 Marsh has been tracking its sales of cyber insurance. Business in 2012 — according to its report Benchmarking Trends: More Companies Purchasing Cyber Insurance — is up 33% over 2011.

Renters — 2 of 3 Don’t have Insurance | 16 InsuranceQuotes.com did a survey of renters and found just 34% of those renting apartments or homes have renter’s insurance.

Oregon’s Greg Walden — Itemize ObamaCare Taxes | 18 Oregon Republican Congressman Greg Walden wants consumers to have more information about the taxes included in the Patient Protection and Affordable Care Act. Wildfires — 2012 Expensive | 18 Wildfires were so bad in 2012 that some of them burned for over three-months.

Insurance Job Drop in January | 19 Insurance lost job ground in January after posting nice gains in December of last year.

NCOIL on Navigators | 19 At its annual spring meeting the National Conference of Insurance Legislators (NCOIL) met to discuss several pressing issues including regulation of navigators for the ObamaCare exchanges.

PIA NE IA Events Upcoming Events Calendar 2013 | 20

Advertisements Wanted, For Sale and Opportunities Contact us to place a classified ad.

March 2013 | Main Street Industry News | www.pianeia.com | 4

IS YOUR E&O X-DATE HERE? PIA for Nebraska and Iowa PIA Association for Nebraska and Iowa is committed to focusing its resources in ways that cast the most favorable light on its constituents. We are dedicated to providing the type of programs, the level of advocacy, and the dissemination of information that best supports the perpetuation and prosperity of our members.

We pledge to always conduct ourselves in a manner that enhances the public image of PIA and adds real value to our members.

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Top Stories

The Legislative Beat

Agent Briefing Before Luncheon

On February 26th, we held our Annual Legislative Luncheon at the Governor’s Residence in Lincoln. We were pleased to have agents and company representatives come together with senators and several representatives from our federal congressional officers during the luncheon.

as discussions and debates on the various bills move forward through his committee.

Joe Elliot, our Legislative Coordinator and Lobbyist, started off the day with a review and Q&A of the numerous insurance related bills that have been introduced and are currently being debated in Lincoln. It’s a busy year for the BCI and this committee had several new faces.

After the Q&A with Joe, we entertained our PIA members, friends and guests with a nice lunch and heard from the new Chairman of the Banking Commerce & Insurance Committee, Senator Mike Gloor. Senator Gloor spoke briefly about his new role, some of the challenges ahead, and that he is looking forward to working with all interested parties

Mike Gloor, Chariman of the Business, Commerce & Insurance Committee

March 2013 | Main Street Industry News |www.pianeia.com| 7

Top Stories

Key Note Speaker, Mike Becker

Our special guest and keynote speaker, Mike Becker, VP of Federal Affairs for our national association, spoke about the impact of the Federal Health Insurance exchange and the role of navigators and agents as well as other insurance and small business issues. Mike brings great insight into what’s going on in DC and I’m quite certain that everyone came away very well-informed about pertinent issues on Capitol Hill. Finally, at the conclusion of our program, Mike updated our staff and board members on some of the membership initiatives that are underway from our national association.

Bringing a shared Value Add approach to the affiliates and assisting them with increasing membership is a primary focal point of our current President, Andy Harris and our new EVP, Ron Von Haden. We can most likely expect a personal visit from Ron at some point during the year to meet with our board and have further dialogue on these initiatives. As an association, we should and do applaud this effort and look forward to strengthening our partnership and hopefully increasing our membership.

As your National Director and Legislative Chair I want to say “thank you” to all who took the time to join us for lunch and have face-to-face interaction with our Senators and other guests.

Both our state and national PIA continue to work diligently on advocacy for our members and your support of these efforts is very much appreciated.

Don’t forget to support your state and national PAC as it truly does make a difference. n

President, Justin Shavlik & Mike Becker, VP of Federal Affairs

NEXT STOP …

PIA Brings Main Street to Capitol Hill PIA FEDERAL LEGISLATIVE SUMMIT APRIL 10-11, 2013

★ WASHINGTON DC ★ WWW.PIAFLS.COM

Next stop … the Federal Legislative Summit in Washington, DC … hope to see many of you there!

Robert Hansen, Jr. LUTCF, CPIA National Director NE/ IA & Legislative Chair

March 2013 | Main Street Industry News | www.pianeia.com | 8

Top Stories

Ben Nelson to the Rescue

New CEO of NAIC Declares “No Need for Dual Regulation”

By Ted Besesparis Senior Vice President PIA National Our state-based system of insurance regulation got a major shot in the arm in January when former Nebraska Sen. Ben Nelson (D) was appointed as the new chief executive officer (CEO) of the National Association of Insurance Commissioners (NAIC). Nelson is a strong supporter of state insurance regulation.

“His extensive experience is uniquely suited to make him an effective advocate for the preservation of state regulation of insurance,” said PIA National Executive Vice President & CEO Ron Von Haden. “PIA looks forward to continuing the close working relationship it has maintained with Ben throughout his decades of service.”

Ben Nelson, New CEO of NAIC

This man will get all of his phone calls returned. In Washington, D.C., that’s more than half the battle.

Like the cavalry riding to the rescue, Nelson was in his new job only 24 hours before he held a press conference and declared that there is “no need for dual regulation” of insurance. You could almost hear a collective national sigh of relief emanating from the supporters of state insurance regulation.

Dual or “optional” federal regulation – where carriers get to choose their regulator and a

March 2013 | Main Street Industry News |www.pianeia.com| 9

Top Stories new federal bureaucracy gets created – is the Trojan horse that gets rolled up the steps of the Capitol every year and disgorges squads of bank and securities lobbyists. They then proceed to try to devour the insurance sector, while the federal government gazes ravenously at every state’s insurance premium tax receipts.

Fortunately, this annual assault continues to fail. It’s also getting tiresome.

Nelson said he believed state regulators should form a partnership with federal and even international officials, citing the cooperation achieved recently regarding Superstorm Sandy, but that state regulation itself should be preserved. He said any partnerships must recognize the “importance and value of state regulation.”

This, of course, was music to the ears of all who are staunch supporters of state regulation. Prior to the tenure of Nelson and his predecessor, Dr. Therese M. Vaughan, there had been a gnawing fear that some in the NAIC had contemplated “joining the dark side” of federal regulatory encroachment in order to preserve their prerogatives and expand their power. No more. It now looks like capitulation will remain off the table.

Supporter of State Regulation

One need only look at Ben Nelson’s entire career to see that he lives and breathes state insurance regulation. Two terms as U.S. Senator; two terms as Governor of Nebraska; executive vice president and chief of staff for the NAIC; Director of the Nebraska Department of Insurance; and CEO of the Central National Insurance Group.

Throughout, Nelson has remained true to his principles. “I, too, am a states’ rights person,” he said in a video interview he did with PIA in 2006. “I do believe that state regulation has worked so very well because, as Jefferson said, the states are the laboratories of democracy

and states have taken different approaches.

That, I think has been outstanding. I think it’s improved the whole field of state regulation.”

It is comforting to know that the next time someone at the U.S. Treasury dusts off the financial services modernization blueprint that was pushed in 2008 by former Secretary Henry Paulsen – the one that said the insurance industry should be “prepared” for absorbtion into a unified financial services structure – Ben Nelson will be there to say an emphatic “no.”

PIA’s connection with Ben Nelson goes back decades. “The NAIC’s selection of Ben Nelson is smart,” notes PIA National Senior Vice President Patricia A. Borowski. “PIA has had the pleasure of working with and supporting Ben from his days at Central National, through to today. PIA looks forward to continuing our close, working relationship with Ben Nelson in the coming years, characterized by our mutual commitment to an effective, modern state based system of insurance regulation.”

The presence of the former Nebraska senator may also break some of the Capitol Hill gridlock on a host of insurance issues. As a former colleague, well-respected by his peers, with deep insurance expertise and bipartisan support from his tenure as one of the most conservative Democrats in the Senate, Ben Nelson is uniquely positioned. Having cast a vote in favor of creating Obamacare, the White House owes him, and the Department of Health and Human Services – which has the final word on agent-related issues – reports to the White House.

This man will get all of his phone calls returned. In Washington, D.C., that’s more than half the battle. n Ted Besesparis is senior vice president of PIA National. This article also appeared in American Agent & Broker magazine.

March 2013 | Main Street Industry News | www.pianeia.com | 10

Top Stories

While acknowledging that some collaboration is needed, “We are determined to see that FIO does the job it was intended to do, but not our job,” Nelson declared to the state insurance legislators.

NAIC’s New CEO & the FIO

Ben Nelson Former Nebraska Senator and new National Association of Insurance Commissioner’s CEO Ben Nelson has plenty to say about the Federal Insurance Office (FIO). He was the keynote speaker at the recently concluded spring meeting of the National Conference of Insurance Legislators (NCOIL).

In his speech, Nelson said the FIO and it’s director Michael McRaith need to stay within the parameters of the responsibility designated to it

by Congress. Some think the FIO may try to do a power grab and usurp some of the regulatory responsibility of the states.

What PIA National says: “Ben Nelson was clearly the correct choice to head the NAIC. Perhaps the most important reason is his unambiguous commitment to state insurance regulation, together with his skill in defending it. Give ‘em hell, Ben!” Meanwhile, the congressionally-mandated report on insurance regulation by the Federal Insurance Office (FIO) — already 14 months overdue — will not be released for at least three more months.

Speaking during a meeting of the Federal Advisory Committee on Insurance in Washington on March 13th, McRaith said the insurance regulation report — along with several others that are also overdue — will be out by summer. “We expect these reports will be out before July,” he said. n

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Top Stories

Commercial Rates & More Profit Info Towers Watson’s quarterly survey CLIPS — Commercial Lines Insurance Pricing Survey — is out.

Things continue to look good. Prices are up for the eighth consecutive quarter and for the fourth straight quarter every line of insurance in Towers Watson survey is up.

In the fourth quarter of 2012 commercial prices rose an average of 7% when compared to 2011. The largest price increases were workers’ compensation and employment practices liability. Both had double digit hikes. Other commercial lines saw increases in the mid to upper single digits. And all lines saw hikes of at least 3%.

The biggest rate increases by category were for mid-market and large accounts. Loss ratios improved by 4%.

Another report by Fitch Ratings — its full year GAAP — shows the 48 publicly traded P&C insurers having improved profits in 2012. Core ratio improvements and fewer catastrophe losses led the way. There was a 75% improvement in operating earnings and the return on operating equity hit 7.3% compared to 4.4% in 2011.

Annual premium revenue rose 5% and the underwriting combined ratio was 98.6 compared to 103.4 in 2011.

A new report from Moody’s Investor Services says net income for P&C insurers rose 50%

in 2012. Higher premiums and lower capacity losses drove that report’s conclusions.

US P&C Insurers Earnings Improve in 2012 Despite High CATs; Pricing Momentum Continues.

“The favorable pricing momentum and gradually improving economy, coupled with relatively benign loss cost trends, will benefit accident year loss ratios and underwriting margins for 2013 (excluding catastrophes). Retention ratios should remain relatively stable as the rate increases are broad based across the industry. Offsetting these positive factors are headwinds from tapering loss reserve releases and still-low investment yields, which are placing pressure on operating margins but should support the improving pricing environment,” the report states.

All in the report is not roses. “Insured naturalcatastrophe losses in the U.S. in 2012 totaled nearly $58 billion, well above the 10-year average of $27 billion. Losses were driven by [Superstorm] Sandy, severe drought conditions (including Federal Crop Insurance losses), and thunderstorm events. Overall, 2012 was the third-costliest year for the insurance industry worldwide (after 2011 and 2005) and the second costliest year in the US (after 2005).” n

March 2013 | Main Street Industry News | www.pianeia.com | 12

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Top Stories

Unraveling AIG verses the federal government actions in the last decade requires the skills of a Sherlock Holmesian super sleuth.

Suits and countersuits have been filed and amendments to the suits have endured counters to those amendments.

One of the suits finally got decided. It involves the $25 billion suit two AIG shareholder groups led by former CEO Maurice “Hank” Greenberg have filed. U.S. Court of Federal Claims Judge Thomas Wheeler has decided it can have classaction status.

Greenberg and his firm Starr International — who owned 12% of AIG’s stock — alleges the federal government’s bailout caused his firm, and him huge personal losses.

The complaint is the federal government’s $182.3 billion bailout gave it 79.9% of ownership of AIG and without letting the existing stockholders vote, the government did a reverse stock split which Greenberg and his allies say violates the 5th Amendment of the U.S. Constitution.

Judge Wheeler made the decision to let Greenberg’s group go class status because “tens of thousands” of shareholders could have been affected. He noted “class certification is by far the most efficient method of adjudicating these claims.”

and those owning stock on June 30, 2009 when the decision was made to not let stockholders vote on the reverse split.

In later action, Greenberg and his group then doubled the size of the class action suit to $55.5 billion from the $25 billion. The increase — he contends — is for the $32.5 billion in collateral given away through Maiden Lane III. Greenberg says it was a way to get Goldman Sachs and European banks the dollar for dollar money owed to them from AIG’s ill-conceived credit default swaps.

“Without any budgetary, regulatory, or other authority, FRBNY and its agents took or illegally exacted 79.9% equity and voting interest from AIG in September 2008, (and) gave away AIG’s legal rights and $32.5 billion of its collateral through the Maiden Lane III transaction,” Greenberg’s amended complaint said.

Meanwhile, a government free AIG still refuses to participate in the suit. Spokesman Jim Ankner said, “AIG will neither pursue these claims itself nor permit Starr to pursue them in AIG’s name.

AIG will move to dismiss the derivative claims asserted by Starr in AIG’s name.”

By the way, if you’re keeping score. This case is Starr International Co. v. U.S., U.S. Court of Federal Claims, No. 11-00779. n

The two classes are stockholders impacted by the September 22, 2008 government buyout

Photo Credit: Photographer — Olaru Radian

Top Stories

Danger!

Cyber Attacks & Cyber Insurance — A Rising Business Opportunity Marsh has been tracking its sales of cyber insurance. Business in 2012 — according to its report Benchmarking Trends: More Companies Purchasing Cyber Insurance — is up 33% over 2011.

Spokesman Bob Parisi who heads up Marsh’s network security and privacy practice said sales were up and so is coverage levels.

Limits averaged $16.8 million. That’s 20% over 2011 limits.

The highest limits were from media, communications and technology firms who averaged $33.4 million or a 36% hike.

“Awareness of cyber and privacy risks continue to grow, especially in the wake of a number of highly visible data breaches, hacking attacks, litigation and increased government focus on cyber security. As a result, companies are now looking to manage their day-to-day cyber risks in the same way they do more traditional risks — through the purchase of insurance,” he said.

Parisi said the numbers purchasing insurance grew most in professional, business, legal, accounting and personal service industries.

Those groups rose 76% followed by education at 72%. Financial institution cyber insurance purchase — surprisingly — rose only 32%.

Rates remained flat with smaller firms.

However, flat rates or not in some sectors, cyber insurance may become an excellent source of new business.

The increase in cyber attacks is growing exponentially and the U.S. government is very

worried. A little over a week ago, the Director of National Intelligence James Clapper told the Senate Select Committee on Intelligence that attacks on our businesses and private citizens from China, Russia and Middle East and African countries is growing at an alarming rate.

“Threats are more diverse, interconnected and viral than at any time in history. Attacks, which might involve cyber and financial weapons, can be deniable and unattributable. Destruction can be invisible, latent and progressive.”

In comments to CNN Mandiant head of security Richard Bejtlich said, “We see two sets of attackers in broad groups. We have intruders who are nation states who conduct espionage.

They’re going after … information that they can use to improve their own companies back home. And we also see criminal groups.”

Businesses are worried says National Security Advisor Tom Donilon. “Increasingly, U.S. businesses are speaking out about their serious concerns about sophisticated, targeted theft of confidential business information and proprietary technologies through cyber intrusions emanating from China on an unprecedented scale. The international community cannot afford to tolerate such activity from any country. As the president said in the State of the Union, we will take action to protect our economy against cyber-threats.”

President Obama signed an executive order earlier this year aimed at protecting government agencies and businesses from these attacks and he wants to boost defenses of the parts of the infrastructure that are vulnerable to attacks.

March 2013 | Main Street Industry News |www.pianeia.com| 15

Top Stories “We know hackers steal people’s identities and infiltrate private e-mail. We know foreign countries and companies swipe our corporate secrets. Now our enemies are also seeking the ability to sabotage our power grid, our financial institutions, and our air traffic control systems. We cannot look back years from now and wonder why we did nothing in the face of real threats to our security and our economy,” Obama said at his State of the Union address.

Senate Commerce Committee Chairman Sen. Jay Rockerfeller of West Virginia said, “A cyber attack against a government agency or a defense contractor is an attack against our nation. A cyber attack against a private company dealing with, say a water company is an attack against our nation. So is it with an attack on a private company that provides power or clean water to millions of Americans.

Image Credit: Some rights reserved by elhombredenegro

An attack against any of these pieces, even though they might be privately operated, is an attack against our nation’s critical infrastructure and therefore, us as a nation.” n

InsuranceQuotes.com did a survey of renters and found just 34% of those renting apartments or homes have renter’s insurance. Many don’t have the insurance because they don’t really know the cost and think it is an expense beyond their means.

H 60% think renter’s insurance costs $250 or more per year.

H 21% think renter’s insurance is $1,000 a year or more.

Spokeswoman Laura Adams said the National Association of Insurance Commissioners (NAIC) pegs the cost at $185 per year. “Renter’s insurance is a lot more affordable than most people think. Most renters don’t realize that their landlord’s insurance usually only covers the structure and not the renter’s belongings. And even in a safe area, renters can fall victim to theft, fire, water damage or another calamity. Fifteen dollars a month is a small price to pay in order to protect your possessions and liability in a lawsuit.”

H 57% say they don’t have renter’s insurance because their home or apartment has excellent security.

H 52% think it’s too expensive.

Image Credit: Some rights reserved by 00dann

H 48% think their landlord has insurance.

March 2013 | Main Street Industry News | www.pianeia.com | 16

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Top Stories

ObamaCare Oregon’s Greg Walden Itemize ObamaCare Taxes Oregon Republican Congressman Greg Walden wants consumers to have more information about the taxes included in the Patient Protection and Affordable Care Act. He notes most of us have no clue how many taxes and fees are in the program and he is introducing a bill that will require those taxes and fees be posted on your monthly health insurance bill.

to the nearly trillion dollars in taxes associated with the new health care law,” he added.

For opponents of his plan, Walden said such fees and taxes are posted on telephone and cell phone bills, cable and Internet bills, utility bills and other bills we routinely receive.

So why not our health insurance bills?

“If the federal government is going to play such a big role in our health care going forward, we have the right to know just how much it costs us. The ‘Patients’ Right to Know Act’ will require health insurers to provide consumers with a line-by-line summary of how the new health care law’s taxes and fees are impacting their insurance premiums,” Walden said.

The congressman contends rising premiums will hit consumers hard once ObamaCare goes into full effect in January of 2014. He quoted a study commissioned by Oregon Governor John Kitzhaber. It found premiums will rise an average of 38% for those buying it themselves or that work for a small business that gives them access to insurance. It also found the premiums in the individual market will go up 27% to 55%.

Walden contends there are $1 trillion in taxes within the Act. “Consumers deserve the right to know how much of their premium is attributable

His bill is titled: “Unaffordable: Impact of Obamacare on Americans’ Health Insurance Premiums.” n

2012 Expensive

Wildfires were so bad in 2012 that some of them burned for over three-months. And they were expensive. The U.S. Bureau of Land Management said the effort to put out fires last spring, summer and fall was $580 million. The top reason for the fires is lightning strikes and 80% were caused that way. n

March 2013 | Main Street Industry News | www.pianeia.com | 18

Top Stories

Insurance Job Drop in January Insurance lost job ground in January after posting nice gains in December of last year.

The U.S. Department of Labor said insurance lost 2,100 jobs compared to the 4,600 added in December.

Insurance Information Institute (I.I.I.) President Dr. Robert Hartwig said P&C and life and health lost 300 jobs. Those numbers also fell in December but ended up with an overall gain. Hartwig said the bit of good news is that insurance jobs for agents and brokers has generally been rising since August of 2010. n

NCOIL on Navigators At its annual spring meeting the National Conference of Insurance Legislators (NCOIL) met to discuss several pressing issues including regulation of navigators for the ObamaCare exchanges.

The NCOIL Health, Long-Term Care & Health Retirement Issues Committee passed a navigator resolution supported

by PIA National. The resolution, cosponsored by New Mexico Senator Carroll Leavell recognizes the creation of navigators by the Affordable Care Act (ACA) and urges states to enact a licensing framework and regulatory regime for navigators.

The resolution is opposed by several consumer groups that asserted it is not necessary because

“navigators will not be paid to sell, solicit, negotiate, consult or place insurance.�

PIA National supports states that would like to implement a regulatory system for navigators and we stand ready to assist any state in that effort. We believe the regulation of navigators is an important consumer protection measure. n

March 2013 | Main Street Industry News |www.pianeia.com| 19

PIA NE IA Events

Upcoming Events Calendar 2013 For information and to register Click Here or call (402) 392-1611.

Date

Event

City

State

April 10, 2013

CISR Agency Operations

W Des Moines

IA

April 16, 2013

CPIA 1 Position for Success

Marion

IA

April 17-19, 2013

CIC Agency Management Institute

Cedar Rapids

IA

May 2, 2013

CISR Insuring Commercial Property

Marion

IA

May 8-10, 2013

CIC Commercial Property Institute

Lincoln

NE

May 15, 2013

CISR Insuring Personal Auto Exposures

Johnston

IA

May 22, 2013

CISR Insuring Personal Residential Property

Davenport

IA

June 4-5, 2013

Convention

Kearney

NE

June 19, 2013

CISR Agency Operations

Marion

IA

June 26-28, 2013

CIC Commercial Property Institute

Des Moines

IA

June 26, 2013

CISR William T. Hold Seminar

W Des Moines

IA

July 10, 2013

CISR Personal Lines/Miscellaneous

Marion

IA

July 17, 2013

CISR Insuring Personal Residential Property

Johnston

IA

July 17-19, 2013

CIC Personal Lines Institute

Omaha

NE

July 24, 2013

CISR Commercial Casualty I

Davenport

IA

August 7, 2013

CISR Insuring Personal Auto Exposures

Marion

IA

August 21-23, 2013

CIC Personal Lines Institute

Cedar Rapids

IA

August 28, 2013

CISR Insuring Commercial Property

W Des Moines

IA

September 10, 2013

Scholarship Golf Outing

Ashland

NE

September 12, 2013

CISR Commercial Casualty II

W Des Moines

IA

September 18-20, 2013

CIC Commercial Casualty Institute

Lincoln

NE

September 19, 2013

CISR Dynamics of Service Seminar

Johnston

IA

September 26, 2013

CISR Agency Operations

Davenport

IA

October 3, 2013

CISR Insuring Personal Residential Property

Marion

IA

March 2013 | Main Street Industry News | www.pianeia.com | 20

PIA NE IA Events

October 16, 2013

CISR Insuring Personal Auto Exposures

Davenport

IA

October 16-18, 2013

CIC Commercial Casualty Institute

Des Moines

IA

November 13-15, 2013

CIC Life & Health Institute

Omaha

NE

November 21, 2013

CISR William T. Hold Seminar

Marion

IA

December 5, 2013

Greater Omaha Committee Christmas Party

Omaha

NE