Main Street Industry News - November 2016

INSIDE Trump & P&C Insurance & ObamaCare » 7 Vertafore’s Independent Insurance Agent Survey » 11 Business Cards in the 21st Century » 14 Fascinating & Sometimes Fun Stats on the American Driver » 18

PIA NE IA and The National Alliance held Iowa’s Conferment Ceremonies | 20

Cover Image: Rich Herrmann - Contrasts of Autumn www.richherrmann.com

November 2016 | Published Monthly

Insuring the Midlands Since 1891 Andy Kraus, CPCU Vice President of Agencies 800-742-7433 akraus@fmne.com

Did you know that PIA’s company council, The PIA Partnership, has conducted nationwide research about the insurance buying preferences of small business owners?

The research is encouraging because it found that small business owners strongly prefer independent insurance agents as they make choices in today’s online world.

However, the results also serve as a wake-up call that agents must take steps to continue to demonstrate their value and also be more engaged online.

PIA and the companies belonging to The PIA Partnership have created a public website that helps agents understand PIA’s findings.

PIA members also have access to a private website containing a series of strategies and tools to help them stay ahead of online competition in commercial lines.

To access the newest PIA Partnership project, Small Business Insurance & The Internet — The Voice of the Commercial Lines Customer, visit us at www.pianet.com/voiceoftheclcustomer.

If you are not a PIA member and want to access all of the tools available through this program, 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 Trump & P&C Insurance & ObamaCare | 7 Donald Trump — against all predictions — is president-elect of the United States and will be our 45th president.

Insurance Pricing 2017: Willis Towers Watson | 9 It’s a soft market and when it comes to purchasing commercial insurance the buyer has all the advantages.

Greenberg Appeals AIG Bailout Ruling | 10 Maurice “Hank” Greenberg is spending a lot of time in court these days. In New York’s Supreme Court he’s currently he’s defending himself against book cooking accusations filed 11 years ago by then New York Attorney General Eliot Spitzer.

Special Report: What’s Next for ObamaCare | 16 The first two weeks of the Affordable Care Act’s annual sign-up has been remarkable. In spite of the uncertainty of a Donald Trump election and his and Republican vows to repeal it and start over, people are signing up in droves.

Fascinating & Sometimes Fun Stats on the American Driver | 18 We love our cars. And we do so in spite of the fact that large cities are pushing people to take mass transportation, ride bicycles or walk to get places like work.

PIA NE IA Events

Vertafore’s Independent Insurance Agent Survey | 11 Vertafore’s third annual independent insurance agent report results have been released.

Professional Insurance Agents NE IA and The National Alliance held Iowa’s 38th Annual CIC, 26th CISR, 1st CISR Elite and 9th CRM Conferment Ceremony | 20

Cyber Attack Successes & A Scary Prediction | 13 Forrester Research just released a frightening prediction for 2017. It says the next president will face what it calls a major cybercrisis and says companies will continue to battle escalating and dynamic security and privacy risks.

Upcoming Events Calendar 2016 | 26

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Cathy Klasi, Executive Director (402) 392-1611

Business Cards in the 21st Century | 14 These days change is happening so rapidly that most of us can barely keep up. Every day we hear of a new application to put in our mobile devices to make our lives easier.

November 2016 | Main Street Industry News | www.pianeia.com | 4

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Top Stories

Trump, P&C Insurance & ObamaCare Donald Trump — against all predictions — is president-elect of the United States and will be our 45th president. In January a Trump administration will hit the deck running with 100 day promises and challenges.

Our concern is insurance and other than promises to repeal the Affordable Care Act, how will a Donald Trump presidency impact insurance?

PIA National issued a statement on the Trump victory and said it’s time to focus on the interests of the entire country. “While both political parties campaigned on differing roles of the private market and regulation, the National Association of Professional Insurance Agents will continue its efforts to promote the valued role of the professional independent insurance agent by seeking business-friendly policies that will encourage a strong market,” the statement said.

And PIA National’s statement also came with a plea to the presidentelect and to the upcoming Congress. “In addition to capturing the White House, Republicans will continue to control both houses of

Congress. Keeping in mind that neither party holds a 60vote ‘super-majority’ PIA encourages the next Congress to avert stalemates by finding bipartisan solutions to strengthen our economy.”

Leigh Ann Pusey is the president and CEO of the American Insurance Association (AIA). Her group hopes the log jam will be broken since the Republicans now control Congress and the presidency. The AIA wants long-term reauthorization of the National Flood Insurance Program (NFIP). Tax reform is also on the AIA agenda and more attention paid to how different insurers are from banks and other financial services.

“We also anticipate a more balanced approach to regulations that will allow the industry to grow and develop new markets that respond to technological advances, such as telematics, big data and autonomous vehicles.

Additionally, we congratulate Sen. Mike Crapo (R-Idaho) on his reelection to the Senate, and incoming chairmanship of the Senate Banking Committee. It is our hope that new members of Congress and the Trump administration will work to find common ground in the 115th Congress on these important issues,” she said.

Brady Kelley is the executive director of NAPSLO (National Association of Professional Surplus Lines Offices). He notes his group will continue to educate Congress on important insurance issues. “Our other priorities in D.C.:

November 2016 | Main Street Industry News |www.pianeia.com| 7

Top Stories one, preserving the uniformity and efficiency provided by the NRRA (National Risk Retention Association); two, private-market solutions and consumer choices for complex flood risks; and three, promoting national uniformity in producer licensing. All represent issues that have already received strong bi-partisan support,” Kelley said.

Jimi Grande is the senior vice president of federal and political affairs for the National Association of Mutual Insurance Companies (NAMIC). He thinks the industry will work very well with a Trump administration.

“It’s obviously early, but President-elect Trump made reducing federal burdens on businesses and industries across the economy a staple of his campaign. NAMIC will work with lawmakers and those expected to be part of the new administration to find additional areas where we can work to promote a strong, competitive marketplace to the benefit of insurers and their policyholders and bring common sense to federal policies on disaster mitigation and international trade,” Grande said.

Property Casualty Insurers Association of America (PCI) spokesman Nat Wienecke agrees. “We expect the new administration to review regulatory issues affecting the industry and that the net outcome will be positive for private competitive markets,” he said.

He then added his organization hopes the Trump administration will do away with regulations that are harmful to business and specifically “the Department of Labor’s overtime rule and Department of Housing and Urban Development’s encroachment on state insurance regulation with its Disparate Impact Rule.”

After his meetings with House Speaker Paul Ryan and Senate Majority Leader Mitch McConnell Trump held a news conference and again emphasized his promise to repeal and replace the Affordable Care Act.

Tom Miller of the American Enterprise Institute — like most of us — wonder whose going to take the lead in a Trump administration to get the ball rolling. “I wouldn’t be surprised if Mike Pence got this in his lap. He knows the issues and has a feel for them. This could well be tossed over to the VP and his staff underneath that,” Miller said.

Others say Dr. Ben Carson — the former Trump nomination rival — will play a big part in the dismantling and replacement process. And Carson — who expects to be included in the administration and the ACA repeal — said the administration needs to be careful about how it goes about things. “I think the replacement obviously must come first and it must be something that is very appealing and easy to understand. And then, only then, would you dismantle what’s in place.”

California Insurance Commissioner Dave Jones is urging the president-elect and the Republican controlled Congress to think this through a bit more before putting together a repeal.

“Repeal of the Affordable Care Act would result in the denial of health insurance for people with pre-existing health conditions. Americans with employer-based and individual market coverage would lose access to preventative health care without cost sharing, which has helped so many people stay healthy. Access to preventative care would be undermined by the imposition of significant deductibles and other out-of-pocket costs,” Jones said.

And he points out that insurers will increase profits and reduce the amount of medical care given to those with coverage.

Sources: PropertyCasualty360.com, Carrier Management, Insurance Journal, Employee Benefit Advisor

November 2016 | Main Street Industry News | www.pianeia.com | 8

Top Stories

Insurance Pricing 2017 Willis Towers Watson

It’s a soft market and when it comes to purchasing commercial insurance the buyer has all the advantages. That’s the conclusion of the Willis Towers Watson 2017 Marketplace Realities report.

Capacity is the main reason for the market’s condition. The report predicts a downward slide for prices or flat conditions at best for most property and general liability risks. Not all is bad, the predictions — says Willis Towers Watson spokesman Matt Keeping — show lines like cyber, auto liability and health insurance will see rate increases.

“The mix of increases and decreases, while subject to some change line by line, overall remains steady. The marketplace continues to offer opportunities for buyers, but as always, strategic planning yields the best results.

The key point for buyers is to understand the nuances of the market so they can optimize their risk management programs,” Keeping said.

Rate Changes by Line Property

• Non-CAT Risks — down 7.5% to 10% • CAT-exposed Risks — down 10% to 12.5%

Casualty

• General Liability — down 5% to flat to

+5% to +10% for risks with losses

• Umbrella / Excess — down 10% to flat • Workers’ Compensation — down 2.5% to

+2.5% • Auto — Up 3% to 10%

Executive Risks

• D&O — down 7.5% to flat • E&O with good loss experience —

flat to +5% • E&O with bad loss experience —

Up 15% to 20% • EPLI — flat to +3% • Fiduciary — down 5% to up 5%

Cyber

• Renewals O/T POS Retail, HC —

Up 5% to 10% • Renewals for POS Retail, HC —

+15% to +20% for POS retailers

and large health care • First-time Buyers — Competitive

November 2016 | Main Street Industry News |www.pianeia.com| 9

Top Stories

Decreases Expected for 10 Lines • Property • Aviation • Directors & Officers • Energy • Fidelity • Health care professional • International • Marine • Political Risks • Terrorism

Increases Expected for 6 Lines • Auto • Cyber • Employee benefits • Employment practices liability • Errors & Omissions • Trade credit

A Mix of Small Increases and Decreases Expected • Casualty • Workers’ compensation • Construction • Environmental • Fiduciary • Kidnap & ransom • Surety

Greenberg Appeals AIG Bailout Ruling Maurice “Hank” Greenberg is spending a lot of time in court these days. In New York’s Supreme Court he’s currently he’s defending himself against book cooking accusations filed 11 years ago by then New York Attorney General Eliot Spitzer. On another legal front, Greenberg is appealing a court decision that says he and other AIG investors are not entitled to financial competition for the U.S. government’s $85 billion bailout and takeover of AIG in 2008.

The court said the government acted improperly but didn’t think Greenberg and the others are entitled to financial damages since AIG’s stock was worth almost nothing at the time.

Greenberg and his attorneys have filed an appeal in the U.S. Court Appeals and want the non-financial judgement reversed. His attorney David Boies said the government was out to punish AIG and treated stockholders unfairly. Government attorney Mark Stern said, “If the government had wanted to punish AIG all it needed to do was nothing. That would have been it,” for the company.”

Sources: Insurance Journal, Carrier Management

Source link: Carrier Management

November 2016 | Main Street Industry News | www.pianeia.com | 10

Top Stories

Vertafore’s Independent Insurance Agent Survey Vertafore’s third annual independent insurance agent report results have been released. It’s titled How Independent P&C Insurance Agencies Thrive in 2016’s Competitive Marketplace and it looks at the perceptions of agency owners and producers on investments, threats and opportunities.

The survey says close to 49% of those polled think the future of their agency is positive. In 2015 the figure was 29%. The 2015 drop was — by the way — significant from over 50% to the 29% figure.

Bruce Winterburn — Vertafore’s VP of industry relations — said lots happened in 2015 to drive that number down. “For instance, Google announced entry into the auto insurance rating market, VC (venture capital) funding in the insurtech startups more than tripled, and carriers were, and still are, getting more sophisticated in their use of predictive analytics,” he said.

These things were all set up to diminish the value of the independent insurance agent.

Things — he said — have changed. “Fastforward to today, Google is no longer dabbling in insurance and agents have doubled down on their use of technology in day-to-day operations to help them compete with new insurtech market entrants,” he said.

Most agencies — 84% — are planning moderate to significant growth in the next four or five years. And 36% think they’ll see aggressive growth.

“Our year-over-year survey analysis shows agents have remained bullish on mobile and CRM investments, which have helped attract and better service new and existing customers. The industry activity coupled with revenue increases across both P/C lines have contributed to this renewed sense of optimism,” Winterburn said.

In the area of technology • 51% have increased their technology

budget in the last 12 months • 63% are going to hike it up even more next

year

November 2016 | Main Street Industry News |www.pianeia.com| 11

Top Stories • Half of the budgets are going for needed

maintenance and updating and

upgrading • 31% are investing in new technology to

help grow their book of business • 35% are investing in mobile smart devices • 74% say they rely on smartphones for

work • 40% say they conduct business outside of

the office at least once a week • 66% think mobile friendly website

investment is important, too

Other improvements and investments planned • Customer service & investing in portals —

65%

• Customer relationship management

technologies — 61% • Marketing analytics — 58%

As for income and the bottom-line • Most say they had revenue growth in

commercial and personal lines

That said, venture capital start-ups are a concern: • 54% in 2015 worried about them and that

jumped to 76% in 2016 Source: Insurance Journal

9A2112 5-11 E&O Cybersurance PC.indd 1

November 2016 | Main Street Industry News | www.pianeia.com | 12

5/24/11 3:38 PM

Top Stories

Successes & a Scary Prediction Forrester Research just released a frightening prediction for 2017. It says the next president will face what it calls a major cybercrisis and says companies will continue to battle escalating and dynamic security and privacy risks.

In other words, we’re going to see targeted espionage, ransomeware, denial of service, Privacy breaches on a broader scale than we’ve seen in the past. And with that Forrester made five — very disturbing — predictions: • A Fortune 500 firm will collapse because of

a cyber attack and breach • Healthcare breaches will be as common as

those happening to retail companies • More than 500,000 Internet-of-things

devices will be compromised by hackers • Within 100 days of the new administration

the president will face a major cybercrisis The last is equally interesting. National security risks will cause government agencies to

expand surveillance technology and that will set up a new legal and ethical conflict between government and the people.

Some of these are already close to true. The Identity Theft Resource Center (ITRC) says more than 14 million ID thefts have happened in 293 health insurance sector data breaches.

That’s more than the 2.5 million from the 354 data breaches in the business sector.

What’s most disconcerting about the predictions is experts agreeing that the scenarios outlined are not just possible, but likely within the next year.

The study is fascinating. If you want to see the entire release, click here to go to Forrester’s paper.

Another study — one done by Accenture — is just as disturbing. It said 33% of all attempts to breach a corporations cyber defenses succeed. Ironically, the CEOs and executives of the nation’s corporations believe their security strategies are good enough.

November 2016 | Main Street Industry News |www.pianeia.com| 13

Top Stories The 2,000 security officers surveyed in those companies aren’t so sure.

identifying and prioritizing key company assets across the entire value chain.”

The report is titled Building Confidence: Facing the Cybersecurity Conundrum. And it says the high failure rate is mostly from the sheer volume of attacks. “On average, an organization will face more than a hundred focused and targeted breach attempts every year, and respondents say one in three of these will result in a successful security breach. That’s two to three effective attacks per month,” the study authors wrote.

Worse, it sometimes takes victim firms months to detect successful breaches and 17% are discovered a year or later from the actual event.

The report also notes businesses are spending about $84 billion a year to defend the data thefts that end up costing them about $2 trillion. And the report says that figure is going to skyrocket to $90 billion by 2030 if the current trend continues.

Accenture Security North America’s managing director Kevin Richards said, “Cyberattacks are a constant operational reality across every industry today and our survey reveals that catching criminal behavior requires more than the best practices and perspectives of the past.

There needs to be a fundamentally different approach to security protection starting with

“To survive in this contradictory and increasingly risky landscape, organizations need to reboot their approaches to cybersecurity. Ultimately, many remain unsure of their ability to manage the internal threats with the greatest cybersecurity impact even as they continue to prioritize external initiatives that produce the lowest return on investment,” the report’s authors conclude.

And they end they conclude there is just too much emphasis these days on compliance and not enough emphasis on solving the problem.

“Just as adhering to generally accepted accounting principles does not ensure protection against financial fraud, cybersecurity compliance alone will not protect a company from successful incursions,” they wrote.

Sources: PropertyCasualty360.com, 24/7 Wall St.

Business Cards in the 21st Century These days change is happening so rapidly that most of us can barely keep up. Every day we hear of a new application to put in our mobile devices to make our lives easier. And as the days move on, an equal number of applications November 2016 | Main Street Industry News | www.pianeia.com | 14

Top Stories or business practices that were once essential disappear. One of those is the business card.

Old-fashioned as they are, business consultant Michael Goldberg remains a proponent of using them. Our mobile devices can often function as connection devices but Goldberg says a business card with all of your contact information is still a better way to go when networking or developing new business.

And in an article on PropertyCasualty360.com Goldberg listed 10 reasons to keep using them.

“Our phones, watches, sunglasses, socks and pens are all capable of helping us exchange contact information at the speed of Snapchat. I get it!,” he wrote.

And he added, “When it comes to networking, if you don’t have a good enough connection with those you meet, you’ll never get into their phones in the first place. Moreso if you’re a financial advisor or any sales producer that comes on too strong.”

Goldberg’s 10 Reasons 1. It tells people your name and the name of your business.

2. It provides all of your contact information (including cell phone and social media tags).

3. It lets people know what you do and, in some cases, for whom.

4. It helps brand you and may give others an idea about your style and personality.

5. It can tell others that you’re resourceful, creative and professional.

6. It can be memorable given the color, size, card stock, graphics and overall look.

7. It presents a consistent message to those that have it, whether they got it from you or not.

8. It works as soon as you hand it to someone (provided it’s for the right reasons at the right time).

9. It’s very portable as you can keep a stack in your pocket, purse, gym bag, wallet or wherever.

10. It’s the most cost effective promotional device you can own.

Goldberg’s advice: “The reality is your business card may be the best way to help you make that connection through your follow-up call, email or text to take that next step. It’s in the cards! And that may never change.”

Source: PropertyCasualty360.com

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Top Stories

Special Report:

What’s Next for ObamaCare The first two weeks of the Affordable Care Act’s annual sign-up has been remarkable. In spite of the uncertainty of a Donald Trump election and his and Republican vows to repeal it and start over, people are signing up in droves.

The U.S. Centers for Medicare and Medicaid Services (CMS) said to date 246,400 new sign-ups have been recorded and we’ve seen 761,899 renewals of existing coverage. That’s 53,000 more plans than we saw a year ago during the same time period.

And again, this in spite of uncertainty in the future of the Affordable Care Act. President-elect Donald Trump is all over the place as to what he wants to do. Last week he told the Wall Street Journal, “Either Obamacare will be amended, or repealed and replaced.”

Earlier he gave CBS’ 60 Minutes a bit more.

“We’re going to do it simultaneously. It’ll be just fine. That’s what I do. I do a good job.

You know, I mean, I know how to do this stuff.

We’re going to repeal it and replace it. And we’re not going to have, like, a two-day period and we’re not going to have a two-year period where there’s nothing. It will be repealed and replaced. I mean, you’ll know. And it’ll be great health care for much less money,” he said.

What Trump hasn’t given is details on what he sees as a new excellent program. All he’s said is he’s keeping two key elements of ObamaCare: • Young people can stay on their parents plans until age 26 • Pre-existing conditions will stay covered

Other than that, Trump uses a bunch of adjectives to describe ObamaCare: • A horror • A catastrophe • A big-fat, horrible lie Republicans in both the House and the Senate — including the party’s leaders — have issued similar descriptions.

All this talk about repeal has insurers nervous.

Most are locked into 2017 but with a repeal or more repeal talk, look for more insurers to drop out. And that means — says Larry Levitt of the Kaiser Family Foundation — about 10 million people using the ObamaCare plans will not have coverage.

“If they [insurers] know the law is ending sometime soon, I don’t know that they’re going to be so excited about sticking around,” he said.

A report from the liberal group, the Center for American Progress (CAP) worries about any type of transition between ObamaCare and what Trump and the Republicans have in mind. “Even with a delayed effective date, the reconciliation bill approach would cause massive disruption and chaos in the individual market for health insurance. The complete unraveling of the market would occur by the end of 2017,” the report said.

In Washington State, Insurance Commissioner Mike Kreidler is already preparing for the worst. He belongs to CAP and said he’s talking with insurance companies in his state and with Governor Jay Inslee about how to proceed.

November 2016 | Main Street Industry News | www.pianeia.com | 16

Top Stories The worry? A big gap in healthcare coverage for those now using the ObamaCare plans on the exchanges.

“We really desperately need to have a replacement plan. That’s the really critical part of this. Otherwise, they’re talking about repealing in a vacuum. I think that is a guaranteed recipe for absolute uncertainty going forward,” Kreidler said.

These are some ideas that have been pushed around for the last few years

by Republicans: • The modification of laws to allow

health insurance to be sold

across state lines.

• Allow individuals to deduct any

health care premium payments

from their taxes.

• Make health savings accounts

(HSA) tax free and let people

pass those dollars onto heirs

without fear of the “death

penalty.”

• Require health insurers and

providers like doctors

and hospitals to be more transparent about pricing.

• Give Medicaid block grants to the states to

let them help insure the uninsured.

• Free markets for drug providers to offer

safe and reliable and cheaper products.

Trump has his ideas of what to do and so do different Republicans. Hardcore conservatives like Sen. Ted Cruz, Utah’s Sen. Mike Lee and Senate Majority Leader Mitch McConnell want to repeal the Affordable Care Act completely.

More moderate Republicans like West Virginia’s Sen. Shelley Moore Capito and Mississippi’s Sen. Roger Wicker worry about those getting insurance now suddenly being without. “We’ll see if we can reach some sort of consensus with our Democrat friends on how to make this repeal and replace. Clearly we don’t want to do any harm to people who are in the system now. We want to be mindful of that,” Wicker said.

There are also those in the Republican Party who want to repeal ObamaCare over a two-year time period. And again, that — and this can’t be emphasized enough — and other Republican ideas have insurers nervous.

Sources: The Hill, Insurance Journal, Employee Benefit Advisor

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Top Stories

Fascinating & Sometimes Fun Stats on the American Driver We love our cars. And we do so in spite of the fact that large cities are pushing people to take mass transportation, ride bicycles or walk to get places like work.

November 2016 | Main Street Industry News | www.pianeia.com | 18

Top Stories The AAA Foundation for Traffic Safety says the push is in vain. Statistics it pulled up from the annual AAA American Driving Survey shows 92.6% of all American households own a motor vehicle.

Most use them.

Jurek Grabowski is AAA’s research director and he said we drove 2.45 trillion miles in 2015.

That’s a 2.4% jump over 2014’s results. “The amount of time the average driver spends behind the wheel each year is equivalent to seven 40-hour weeks at the office, It’s clear that traveling by car remains a central part of American’s lives.”

The AAA survey asked 5,774 drivers to provide information on their daily driving. The results are fascinating. Here are the results: 1. Each driver drove an average of 10,900 miles in 2015 and spent more than 290 hours in a vehicle.

2. Of those 18 and over, 87.5% said they drove somewhere in the past year.

3. Men drove 2,314 more miles than women and men spent 18% more time in vehicles than women.

4. Just over 86% of all U.S. households have at least one vehicle per driver in the home and 28% said they have more than one vehicle per person in the home.

5. Seniors over the age of 75 drive fewer miles than teens. For teens the mileage is 5,840 and it is 7,551 for seniors. Drivers age 30 to 49 drive 13,506 miles per year and that’s the most among the age groups.

6. Drivers in rural areas drive more miles — 13,029 — than those living in cities — 10,591.

7. Those in the Midwest and South drive 13,029 per year compared to those in the Northeast at 9,328 miles a year.

8. 50% of the miles driven are in cars, 20% in SUVs, 17% in pickups and 7.9% in vans.

9. 66% of the total trips and 62% of the total miles are driven with only the driver in the vehicle. Women are 24% more likely to have a passenger.

10. We tend to drive more during the fall — 31.5 miles per day — and fewer miles in the winter at 26.2 miles per day.

11. Fewer of us drive on weekends than weekdays. Those that did drive on weekends drove more miles than drivers who drive weekdays.

12. Those 18 and above that are married are more likely to drive than people who haven’t married or who are widowed.

13. The average number of drivers per household is 1.8 and the average number of vehicles per household is 2.1.

14. On any given day the average number of trips per driver is 2.1 with an average of 29.8 miles driven. Average time per the 2.1 trips is 48.4 miles.

15. The number of people eligible to drive jumped 1% from 2014 to 2015. The 1% is 3.3 million people.

Source: PropertyCasualty360.com

November 2016 | Main Street Industry News |www.pianeia.com| 19

Top Stories

Professional Insurance Agents NE IA and The National Alliance held Iowa’s 38th Annual CIC, 26th CISR, 1st CISR Elite and 9th CRM Conferment Ceremony 38th Annual Iowa CIC Conferment Ceremony

Ms. Connie Conine, CIC, CPCU United Fire & Casualty Cedar Rapids, IA

Ms. Melissa S. Allen, CIC, CPCU GuideOne Insurance West Des Moines, IA

Ms. LeAnn Doughty, CIC Gateway Insurance Services Iowa Falls, IA

Ms. Andrea Marie Amick, CIC Nationwide Insurance Des Moines, IA

Ms. Amy S. Eckert, CIC, CPCU, AINS, AIS Nationwide Des Moines, IA

Ms. Cherise Jo Bates, CIC, CISR Westfield Insurance Company West Des Moines, IA

Mr. Grant Fiihr, CIC, CPCU GuideOne Insurance West Des Moines, IA

Ms. Amy K. Berry, CIC EMC Insurance Companies Des Moines, IA

Ms. Katie D. Gerdis, CIC Nationwide Insurance Des Moines, IA

Mr. Eric John Biase, CIC Fortress Wealth Management Urbandale, IA

Ms. Holly Ann Goldsmith, CIC, CISR Reynolds & Reynolds Inc. Des Moines, IA

Ms. Leesa M. Budde, CIC Associated Insurance Counselors, Inc. Preston, IA

Ms. Megan M. Gotto, CIC Cottingham and Butler Dubuque, IA

Mr. Tyson D. Burkamper, CIC Lee Agency, Inc. Muscatine, IA

Mr. Jason G. Grams, CIC Nationwide Clive, IA

Ms. Julie A. Cihla, CIC, AU, SM United Fire Group Cedar Rapids, IA

Ms. Dana D. Hasselbrink, CIC, AU Grinnell Mutual Grinnell, IA

November 2016 | Main Street Industry News | www.pianeia.com | 20

Top Stories Ms. Kristine Hodges, CIC, CPCU, CLCS Nationwide Insurance Des Moines, IA

Mr. Scott A. Nelson, CIC Nelson Brothers Agency, Inc. Bettendorf. IA

Ms. Elisabeth M. Jackson, CIC, CISR, AINS Arthur J. Gallagher West Des Moines, IA

Mr. Michael Miller Payne, CIC First Express Insurance Sidney, IA

Ms. Krista D. Johnson, CIC Guide One Insurance Des Moines, IA

Ms. Kathleen J. Ramirez, CIC Knapp Tedesco Insurance Agency Ames, IA

Mr. Phillip J. Johnson, CIC, AFIS GNB Insurance Agency Grundy Center, IA

Mr. Travis J. Rausch, MBA, CIC Nationwide Mutual Insurance Co. Des Moines, IA

Mr. Thomas James Kellenberger, CIC United Insurance Counselors, Inc. Bettendorf, IA

Ms. Michelle Lynn Roth, CIC Stiefel Insurance Victor, IA

Ms. Lea M. Kieffer, CIC Cottingham & Butler Dubuque, IA

Mr. Marty Schaefer, CIC Central States Agency, LLC Buffalo Center, IA

Ms. Kimberly Nicole Lauer, CIC, AU, AINS, AFIS, AIS Farm Bureau Financial Services West Des Moines, IA

Mr. Brent A. Schnetter, CIC Iowa Bankers Insurance Johnston, IA

Ms. Jasmine Leonard, CIC, CISR Holmes Muiphy West Des Moines, IA Mr. Chase M. Medinger, CIC Cottingham & Butler Dubuque, IA

Ms. Natalie Rose Schroeder, CIC Cottingham & Butler Dubuque, IA Mr. Jeremy M. Staun, CIC, AIC Nationwide Insurance Des Moines, IA Ms. Rebecca Lynn Steinfeldt, CIC Allied Insurance Des Moines, IA

Mr. Larry J. Moser, CIC Arthur J. Gallagher Sioux City, IA Mr. Nicholas Ryan Naber, CIC, CLCS Nationwide Insurance Des Moines, IA Mr. Scott A. Naset, CIC, AU, AFIS Nationwide Agribusiness Des Moines, IA

Ms. Dora B. Stevens, CIC NCMIC West Des Moines, IA Mr. Oscar Tyler, CIC, AIC Iowa Bankers Johnston, IA

November 2016 | Main Street Industry News |www.pianeia.com| 21

Top Stories Ms. Suzanne M. Van Camp, CIC, CPCU, AIC, AIS The IMT Group Bettendorf, IA Ms. Sheila Y. Vander Schel, CIC, CLCS Marsh, Inc. Urbandale, IA Ms. Jamie Vize, CIC Nationwide Des Moines, IA

Ms. Jill L. Boisjolie, CISR Pharmacist Mutual Insurance Company Algona, IA Ms. Linda Marie Borens, CISR TrueNorth Companies Cedar Rapids, IA Ms. Kathleen A. Brewer, CISR Holmes Murphy & Associates Cedar Rapids, IA

Ms. Shannon Leigh Walsh, CIC, ARM Homes Murphy & Associates West Des Moines, IA

Ms. Lacy Marie Carolan, CISR Rochford Insurance Agency New Hampton, IA

Mr. Raymond £. Yori II, CIC Fanners Mutual Hail Insurance of Iowa West Des Moines, IA

Ms. Denise Jane Doerhoff, CISR LSB Financial Ankeny, IA

National CIC Statistics Total Participants: 67,447 Total Designated: 30,310 Iowa CIC Statistics Total Participants: 1,466 Total Designated: 656 CICs Conferred Today: 46

26th Annual Iowa CISR Conferment Ceremony

Ms. Lesley Jane Dolan, CISR NCMIC Clive, IA Ms. Krystal Kay Graham, CISR Holmes Murphy & Associates West Des Moines, IA Ms. Jennifer A. Grainger, CISR, AIS, API Pharmacists Mutual Insurance Company Algona, IA Ms. Rachael M. Ibeling Dreyer, CISR Elite TrueNorth Companies Cedar Rapids, IA Ms. April L. Johnson, CISR Southern & Iowa Insurance Services, Inc. West Point, IA

Ms. Brianne Elisabeth Baldree, CISR Holmes Murphy West Des Moines, LA

Mrs. Deborah J. Kling, CISR TrueNorth Companies Cedar Rapids, IA

Ms. Nicole C. Bliss, CISR TrueNorth Companies Cedar Rapids, IA

Ms. Sara L. Koines, CISR Holmes Murphy & Associates West Des Moines, IA

November 2016 | Main Street Industry News | www.pianeia.com | 22

Top Stories Ms. Cheryl A. Love, CISR Holmes Murphy West Des Moines, IA

Mr. Eric M. Stafford, CISR TrueNorth Companies Cedar Rapids, IA

Mr. Casey J. Luensmann, CISR PDCM Insurance Waterloo, IA

Ms. Kristin Mary Tolle, CISR Cattail, Inc. dba Lee Agency Muscatine, IA

Ms. Katie Jolyn Melvin, CISR PMC Advantage Insurance Services, Inc. Algona, IA

Ms. Kari Van Es, CISR Prins Insurance, Inc. Sanborn, IA

Mrs. Molly Pickett, CISR Foster Insurance Services Webster City, IA

Mr. Colin M. Vogt, CISR LMC Insurance & Risk Management West Des Moines, IA

Ms. Andrea K. Pollock, CISR, CPIA, AINS Lamair Mulock Condon West Des Moines, IA

Ms. Dana L. Wagner, CISR True North Companies Cedar Rapids, IA

Mr. Lynn Edward Reitzler, CISR Holmes Murphy & Associates West Des Moines, IA

Ms. Elizabeth Ann Wagner, CISR Holmes Murphy and Associates West Des Moines, IA

Ms. Stacey P. Rensberger, CISR Molyneaux Insurance, Inc. Davenport, IA

Ms. Kate Elizabeth Weyhrich, CISR Nationwide Insurance Des Moines, IA

Ms. Rachel R. Rozell, CISR LMC Insurance & Risk Management West Des Moines, IA

Ms. Stephanie Young, CISR CSB Insurance Group Johnston, IA

Mrs. Kaitlin R. Schepers, CISR Nelson Brothers Agency Bettendorf, IA Ms. Kelly M. Schneider, CISR, AINS Pharmacists Mutual Insurance Company Algona, IA Ms. Susanne L. Scieszinski, CISR TrueNorth Companies Cedar Rapids, IA

National CISR Statistics Total Participants: 70,300 Total Designated: 27,551 Iowa CISR Statistics Total Participants: 952 Total Designated: 437 CISRs Conferred Today: 34

Ms. Heather J. Selby, CISR TrueNorth Companies Cedar Rapids, IA

November 2016 | Main Street Industry News |www.pianeia.com| 23

PIA NEWS

1st Annual Iowa CISR Elite Conferment Ceremony

9th Annual Iowa CRM Conferment Ceremony

Ms. Danielle Marie Fett, CISR Elite, AINS, CPhT PMC Advantage Insurance Services, Inc. Algona, IA

Mr. Joel E. Akers, CRM, LUTCF Lamair Mulock Condon Insurance West Des Moines, IA

Ms. Bridget Ann Galligan, CISR Elite PMC Advantage Services, Inc. Algona, IA

Mr. Thomas F. Connor, CIC, CRM, CPCU, ARM, CSP, AAI EMC Insurance Companies Des Moines, IA

Ms. Rachael M. Ibeling Dreyer, CISR Elite TrueNorth Companies Cedar Rapids, IA

Ms. Amee Freudhof, CIC, CRM, CISR Kent Corp Muscatine, IA

Ms. Diane K. Smith, CISR Elite, AINS, AIS, API PMC Advantage Insurance Services, Inc. Algona, IA

Mr. Ian Robert Happ, CIC, CRM, CPCU, AAI, AU Kent Corp Muscatine, IA

Ms. Marion L. Wilkins, CISR Elite Arthur J. Gallagher Davenport, IA

Ms. Jacqueline K. Peters, CIC, CRM, CISR, CPSR, AFSB TrueNorth Companies, LLC Cedar Rapids, IA

National CISR Elite Statistics Total Participants: 3,525 Total Designated: 466 Iowa CISR Elite Statistics Total Participants: 35 Total Designated: 5 CISR Elites Conferred Today: 5

Ms. Sarah M. Riniker, CIC, CRM, AAI Cottingham & Butler Dubuque, IA

National CRM Statistics Total Participants: 21,341 Total Designated: 2,968 Iowa CRM Statistics Total Participants: 446 Total Designated: 85 CRMs Conferred Today: 6

November 2016 | Main Street Industry News | www.pianeia.com | 24

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November 2016 | Main Street Industry News |www.pianeia.com| 25

PIA NE IA Events

Upcoming Events Calendar 2016 For information and to register Click Here or call (402) 392-1611.

Date

Class/Webinar

Where

When

November 2, 2016

Ethics: Taking it to the Streets

NE/IA

Webinar: 1:00PM - 4:00PM

November 3, 2016

**NEW** And the CHAOS Continues

NE/IA

Webinar: 12:00PM - 3:00PM

November 4, 2016

**NEW** Man Vs. Machine

NE/IA

Webinar: 8:00AM - 11:00AM

November 8, 2016

**NEW** Executive & Management Liability

NE/IA

Webinar: 12:00PM - 3:00PM

November 10, 2016

Social Networking: OMG or E&O? (NE)

NE

Webinar: 12:00PM - 3:00PM

November 10, 2016

CISR: Personal Lines Miscellaneous

Cedar Rapids

Kirkwood CE Center

November 10, 2016

Social Networking: OMG or E&O?

Iowa

Webinar: 12:00PM - 3:00PM

November 15, 2016

What We Learned: Claim and Coverage Issues from Catastrophes

NE/IA

Webinar: 12:00PM - 3:00PM

November 15, 2016

CISR: Dynamics of Service

Des Moines

Hilton Garden Inn Des Moines/Urbandale

November 16 - 18, 2016

CIC: Commercial Property Institute

West Des Moines

Holiday Inn Hotel & Suites

November 16, 2016

**NEW** Managing E&O in a 24/7 World

NE/IA

Webinar: 12:00PM - 3:00PM

November 17, 2016

Personal Lines Complications: Because Simple is just too darn Easy

NE/IA

Webinar: 1:00PM - 4:00PM

December 1, 2016

**NEW** Regarding Ethics (NE)

NE/IA

Webinar: 1:00PM - 4:00PM

December 6, 2016

**NEW** Top 12 Coverage Countdown

NE/IA

Webinar: 12:00PM - 3:00PM

December 7, 2016

**NEW** How to be the Agent Advocate at Claim Time

NE/IA

Webinar: 1:00PM - 4:00PM

December 8, 2016

Words Mean Things & Insurance is a Foreign Language

NE/IA

Webinar: 12:00PM - 3:00PM

December 12, 2016

Food Borne Illness & Insurance Coverage

NE/IA

Webinar: 12:00PM - 3:00PM

December 13, 2016

Get in the Ring: A Look at Property Claims, Fights & Decisions

NE/IA

Webinar: 8:00AM - 11:00AM

November 2016 | Main Street Industry News | www.pianeia.com | 26

PIA NE IA Events

December 20, 2016

**NEW** Leases & Contracts Vs. The Insurance Policy

NE/IA

Webinar: 8:00AM - 11:00AM

February 9, 2017

CISR: Personal Lines Miscellaneous

Des Moines

Hilton Garden Inn Des Moines/Urbandale

February 22-24, 2017

CIC: Agency Management Institute

West Des Moines

Holiday Inn Hotel & Suites

February 23, 2017

CISR: Commercial Casualty 1

Davenport

Saint Ambrose University

March 9, 2017

CISR: Insuring Personal Residential Property

Hiawatha

Kirkwood Linn Regional Center

March 15-17, 2017

CIC: Commercial Property Institute

Omaha

Hilton Double Tree Omaha SouthWest

March 22, 2017

CISR: Elements of Risk Management

Des Moines

Hilton Garden Inn Des Moines/Urbandale

April 5, 2017

CISR: Insuring Personal Auto Exposures

Davenport

Saint Ambrose University

April 5-8, 2017

Federal Legislative Summit & Governance Meetings

Washington DC

Crystal City Marriott, Arlington, VA

April 12, 2017

CISR: Insuring Commercial Property

Hiawatha

Kirkwood Linn Regional Center

April 19, 2017

CISR: Commercial Casualty 2

Des Moines

Hilton Garden Inn Des Moines/Urbandale

April 19-21, 2017

CIC: Commercial Property Institute

Cedar Rapids

Cedar Rapids Marriott

April 25-26, 2017

Ruble: Graduate Seminar

Omaha

Embassy Suites Omaha La Vista

May 11, 2017

CISR: Insuring Personal Residential Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

May 17-19, 2017

CIC: Agency Management Institute

Lincoln

Marriott Courtyard/ Haymarket

May 24, 2017

CISR: Personal Lines Miscellaneous

Hiawatha

Kirkwood Linn Regional Center

June 6-7, 2017

PIA Annual Convention

Nebraska City, NE

Lied Lodge, Nebraska City

June 13, 2017

CISR: Insuring Commercial Property

Davenport

Saint Ambrose University

June 14-16, 2017

CIC: Commercial Multi Line Institute

West Des Moines

Holiday Inn Hotel & Suites

June 22, 2017

CISR: Commercial Casualty 1

Des Moines

Hilton Garden Inn Des Moines/Urbandale

July 11, 2017

CISR: Commercial Casualty 1

Hiawatha

Kirkwood Linn Regional Center

July 18, 2017

CISR: William T. Hold: Advanced Learning Seminar

Des Moines

Hilton Garden Inn Des Moines/Urbandale

July 19-21, 2017

CIC: Commercial Casualty Institute

Omaha

Hilton Double Tree Omaha SouthWest

November 2016 | Main Street Industry News |www.pianeia.com| 27

PIA NE IA Events

July 25-26, 2017

Ruble: Graduate Seminar

West Des Moines

Holiday Inn Hotel & Suites

August 8, 2017

CISR: Insuring Personal Auto Exposures

Des Moines

Hilton Garden Inn Des Moines/Urbandale

August 22, 2017

CISR: Insuring Personal Residential Property

Davenport

Saint Ambrose University

August 23-25, 2017

CIC: Personal Lines Institute

Cedar Rapids

Cedar Rapids Marriott

August 24, 2017

Greater Omaha Committee Scholarship Golf Outing

Ashland

Iron Horse Golf Club

September 13, 2017

CISR: Agency Operations

Hiawatha

Kirkwood Linn Regional Center

September 13-16, 2017

Fall Governance Meetings

Minneapolis, MN

Marquette Hotel, Minneapolis, MN

September 19, 2017

CISR: Dynamics of Service

Des Moines

Hilton Garden Inn Des Moines/Urbandale

September 20-22, 2017

CIC: Commercial Multi Line Institute

Lincoln

Marriott Courtyard/ Haymarket

October 11-13, 2017

CIC: Commercial Casualty Institute

West Des Moines

Holiday Inn Hotel & Suites

October 18, 2017

CISR: Agency Operations

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 26, 2017

CISR: Personal Lines Miscellaneous

Davenport

Saint Ambrose University

November 9, 2017

CISR: Commercial Casualty 2

Hiawatha

Kirkwood Linn Regional Center

November 14, 2017

CISR: Insuring Commercial Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

November 15-17, 2017

CIC: Life & Health Institute

Omaha

Hilton Double Tree Omaha SouthWest

Post a classified ad!

Your ad will stand out! Main Street Industry News is issued electronically to over 8,000 Professional Insurance Agents throughout NE & IA, PIA state and national associations and other organizations that provide products or services to insurance agencies.

To advertise contact PIA of Nebraska and Iowa – Executive Director, Cathy Klasi at (402) 392-1611.

November 2016 | Main Street Industry News | www.pianeia.com | 28

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November 2016 | Main Street Industry News |www.pianeia.com| 29

Help Protect Your Most Valuable Asset - Your Income - With The PIA Trust

Long Term Disability Plan

LTD COVERAGE DESIGNED WITH LOCAL AGENTS IN MIND As a PIA Member* serving Main Street America, you and your employees** have access to a highquality, competitively priced LTD plan through the PIA Services Group Insurance Fund.

How would you manage if a long-term disability reduced your earning power? For many people, disability means an interruption in earnings that can put them financially at risk. With the PIA Trust Long Term Disability Income Insurance plan, PIA members and their employees** can get the coverage they need to help protect against that risk.

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PIA SERVICES GROUP INSURANCE FUND

For more information about the PIA Trust Long Term Disability Income Insurance plan, please contact your local PIA Affiliate or call the Plan Administrator at (800) 336-4759. Additional information is also available on-line at www.piatrust.com. * PIA National membership, when required, must be current at all times ** No minimum participation required *** Benefits subject to a pre-existing condition limitation

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.

Underwritten by Unimerica Insurance Company, Association Administrative Address, P.O. Box 17828, Portland, ME 04112-8828, under Policy Form ADI-4001-A (UIC).

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