IIAI Viewpoint Magazine - Spring 2015

SPRING 2015 • VOLUME 33 • ISSUE 2 INDEPENDENT INSURANCE AGENTS OF IOWA

IN THIS ISSUE: • Protecting Agent’s Interest • National Trade Association • Creating Achievable Goals & Objectives • Rural Agents Conference

• Kids Kars…An E&O Time Bomb • IIAI Affiliate Members Directory • Agents Go To State Capitol To Discuss Issues of Importance To Them

s t n e g A l a r u ce R n a I d n A e I t 2015renIce Sets Record At Confe

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PRESIDENT’S REPORT Protecting Agent’s Interest

Independent Insurance Agents of Iowa 4000 Westown Parkway West Des Moines, Iowa 50266 (515) 223-6060 • FAX (515) 222-0610 800-272-9312 (In-State only)

Advertising Editor Melissa Meiners

IIAI has been monitoring and discussing some volatile issues. They include; a workers’ compensation bill, an electronic notice issue, an affiliate transfer issue and an auto insurance verification issue. These concerns have kept Bob Skow, Larry Blixt and Wes Bissett very busy this legislative session.

They do an excellent job of protecting agent’s interests.

by Scott Morningstar, CPCU Page 5

NATIONAL DIRECTOR’S REPORT

BOARD OF DIRECTORS

National Trade Association

President

One of the biggest challenges facing our industry, for both independent agencies and the companies we represent, is attracting young talent to the business. There is no magic answer for this – it is a multi-layered problem.

Scott Morningstar, CPCU - Lisbon

President-Elect Jerry Mease - Winterset

Treasurer Eldon Hunsicker - Ottumwa

by Dean Brooks, CPCU, CLU, ALCM Page 7

National Director Dean Brooks, CPCU, CLU, ALCM West Des Moines

Directors Terry Friedman, CPCU - Dubuque Tim English, CIC - Dyersville John Dalton - Council Bluffs Steve Madsen - Marshalltown David Rowley, CPCU, CIC, AU - Spirit Lake Scott Wirtz - Emmetsburg Luke Horak - Washington Lottie Miller, CPCU, CIC, AAI, CISR, CPIW, AAM, CRIS - Cedar Rapids

ADVERTISERS We would like to thank our advertisers for their support. This magazine would not be possible without them.

THANK YOU!

In This Issue Creating Achievable Goals & Objectives

By Al Diamond Page 11

Rural Agents Conference

18 ACUITY

Page 16

20 Amerisafe 14 Big “I” Flood Program

Kids Kars…An E&O Time Bomb

By Bill Wilson

Past President

31 Big “I” Professional Liability

Page 19

Terry McDonald, CIC - Iowa City

6 BITCO Insurance Companies

IIAI OFFICE STAFF

28 Burns & Wilcox

IIAI Affiliate Members Directory

27 EMC Insurance Co.

Page 23

Chief Executive Officer Bob Skow, CPCU, CAE bob@iiaiowa.org

6 Errors and Omissions Team

Director of Membership Operations & Education

2 The IMT Group

Agents Go To State Capitol To Discuss Issues Of Importance To Them

13 Integrity Insurance

Melissa Meiners melissa@iiaiowa.org • Ext. 15

Page 29

22 Iowa Mutual Insurance Co.

Technology & Communications Coordinator

21 M.J. Kelly Company

Nicole Peffers nicole@iiaiowa.org • Ext. 17

Membership Services Coordinator Marilyn Paul, CPCU, AIT, AAM, CPIW marilyn@iiaiowa.org • Ext. 11

10 Grinnell Mutual

21 Merchants Bonding Co. 12 Pekin Insurance 8 Progressive 9 SECURA Insurance Co. 4 West Bend 30 Western National Insurance

Membership Services Coordinator Brenda Kluger, CIC, CISR, CIIP, CRM brenda@iiaiowa.org • Ext. 14

Membership Services Coordinator Megan Kincy, AINS, AIS megan@iiaiowa.org • Ext. 16

Office & Education Assistant Cindy Grim cindy@iiaiowa.org • Ext. 12

MISSION STATEMENT: The Independent Insurance Agents of Iowa will be an ­unrelenting advocate of the business, professional and p ­ olitical interests of its members; doing so by working in the p ­ ublic’s best interest and with the highest e ­ thical standards.

Viewpoint is a publication of the Independent Insurance Agents of Iowa. Viewpoint is published quarterly: Winter, Spring, Summer and Fall. Viewpoint is mailed to Iowa insurance agents, Iowa Home Office Executives, Affiliate members, and other state associations and organizations.

West Bend knows Preferred Risk Types: – Manufacturers of small stamped, rolled, turned, pressed, cut, machined, or soldered/welded products or component parts that are made from material other than wood – Manufacturers that generally produce items that are simple in nature and physically small

Light Manufacturing.

At West Bend, we’re proud of our broad base of knowledge when it comes to commercial risks. Over the years, however, we’ve developed extensive expertise of certain risks and the skills needed to underwrite them.

That’s why we’re more competitive in writing these classes.

Like light manufacturing.

If you have a light manufacturing risk, contact your West Bend underwriter. We look forward to sharing our expertise with you, and providing the best coverages necessary to protect your valued customers.

president’s REPORT

PROTECTING Agent’s Interest

S

pring in Iowa is always busy.

This year is no exception.

The weather has been favorable, field work has started, new life is spouting up around us and people are planning their summer activities. However, it is with a heavy heart that I write my spring article. The insurance business and our Association lost a good friend and colleague Jamie Krist on March 31, 2015. Jamie served on the IIAI Board of Directors since September 2012. Jamie always brought new ideas, wisdom and humor to our meetings. He will be missed by many. My thoughts and prayers go out to his family.

By the time you read this article the IIAI board will have been to Washington DC to discuss insurance issues with our legislators. This is always an essential trip with a jammed-packed schedule. We will have discussed Insurance Regulatory Reform, Flood Insurance and Natural Disasters, Crop Insurance, Healthcare, Department of Labor Fiduciary Standard and Risk Retention Act Expansion. We hope to report positive results. Washington DC is an exhilarating place. The excitement builds

by Scott Morningstar, CPCU

“To all the members who have volunteered to serve on IIAI committees, I thank you. Your work is greatly appreciated. The IIAI needs your input”

as we witness presidential candidates throwing their hats in the ring for the presidential race.

On the State of Iowa legislative side, IIAI has been monitoring and discussing some volatile issues. They include; a workers’ compensation bill, an electronic notice issue, an affiliate transfer issue and an auto insurance verification issue. These concerns have kept Bob Skow, Larry Blixt and Wes Bissett very busy this legislative session.

They do an excellent job of protecting agent’s interests. All of these items could have a negative effect on agents if we don’t monitor them closely. As they say if you don’t have a place at the table, you are on the menu. This is a good reason to contribute to your state and national PACs. We need to support insurance friendly legislators.

To all the members who have volunteered to serve on IIAI committees, I thank you. Your work is greatly appreciated. The IIAI needs your input.

I look forward to seeing everyone on May 28th at IIAI Spring Planning.

Scott Morningstar

SPRING 2015 |

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8 Great Ideas for Agency Growth • General & Building Trades Contractors • Transportation Construction Contractors • Utility Construction Contractors • Land Improvement Contractors • Water Well Drilling • Manufacturing/Wholesalers & Distributors • Construction Materials Suppliers • Forest Products Expanding your range of niche business is one way of increasing it.

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And, our programs – appealing to contractors’ specific needs – encourage valuable repeat business.

BITCO remains the stable source for specialty business.

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Call your Big “I” Errors and Omissions Team!

Three Reasons your Errors and Omission Coverage should be with your Association

W

hen it comes to your agency professional liability insurance who can you trust more than the Big “I”?

First we have membership discounts with the three main markets for agents errors and omissions insurance, second we have a team of errors and omissions professionals to assist you and help answer your questions, and third we are the only market that actively puts your association clout to work passing liability laws which help make Iowa a great place to operate your agency! So if your coverage is not with us…call and get a quote! Marilyn Paul, CPCU, AIT, AAM, CPIW; Brenda Kluger, CRM, CIC, CISR, CIIP and Megan Kincy, AIS, AINS along with CEO Bob Skow, CPCU, CAE are here to help you! 800-272-9312

Looking for E&O answers, agency resources or tips?

Check out the E&O Happens website – www.independentagent.com/eohappens Sign in with your Big “I” username and password to access the information

national director’s REPORT

NATIONAL

Trade Association It does not lack for challenge or opportunity

M

uch is going on at the National Association level, which really is to be expected.

IIABA is the country’s leading agents’ trade association; as such, it does not lack for challenge or opportunity. To paraphrase an old expression, “the challenges for independent agents have never been bigger, and the opportunities have never been greater”.

Prudent financial management is a critical priority for our Association, as it should be for any trade association. The message from the Finance Committee is a bit mixed: IIABA currently is a financially strong association, but we need to stay on our game and pay attention to what is going on around us to ensure long-term financial strength. Probably the best news for members is the ratio of dues revenue to non-dues (program) revenues. For fiscal year (FY) 2015, dues account for only 27.7% of total operating revenue.

In other words, for-profit programs offered by Big “I” generate 72.3% of the operating revenue for FY 2015.

This high percentage of non-dues revenue has allowed us to forgo dues increases for several years, and the Board voted to keep the dues formula unchanged into FY 2016.

In the context of prudent financial management and ensuring appropriate

by Dean Brooks, CPCU, CLU, ALCM frequency and improve the delivery of communications/marketing at the member level, and create a routine, ongoing research protocol to determine members’ needs, how you want information, and how often.

One of the biggest challenges facing our industry, for both independent agencies and the companies we represent, is attracting young talent to the business. There is no magic answer for this – it is a multi-layered problem. Recognizing the importance and complexity of this issue to our members, IIABA last year appointed a Talent Recruitment & Development Task Force to focus on this need. member services, there currently is The Task Force has surveyed states ongoing discussion on the possibiland collected detailed information ity for changes to about currently IIABA’s governance available resources, “One of the biggest challenges structure in order to and has confirmed facing our industry, for both keep the Association there is a great independent agencies and relevant in today’s deal of interest and the companies we represent, is need for a program association environattracting young talent to ment, and provide to help recruit, the business” for more effective, train and retain cost-effective and talent. This nimble governance. program is now This conversation continues to unfold in the developmental stage. at the Board level.

The number one challenge for indeAnother area under review is how pendent agents will be adapting to the the National Association communievolving marketplace, a great concates with you, the member. The cern to not only agencies but also our Communications Task Force is working companies. Right now, approximately to identify approaches to manage the 80% of consumers are going online

SPRING 2015 |

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to seek out some level of information about insurance, and agents need to be present in that market. Google’s entry into the insurance market is just one more example of what could be a marketing game changer. More directs are starting to sell commercial line and new groups continue to enter the personal lines market seemingly daily. Big “I” and TrustedChoice. com are taking a hard look at this.

The need for independent agents to co-brand with Trusted Choice®, and use the tools provided by Trusted Choice® and TrustedChoice.com has never been more important. TrustedChoice. com launched commercial lines on the agency portal in late 2014 and it seems to be finding success already.

AgencyNation.com, which provides agent education resources in conjunction with TrustedChoice.com, also is another valuable marketing resource available to members.

The passage of TRIA and NARAB II in January were major legislative victo-

ries for the Big “I” and the Government Affairs Committee and staff. We were very close to a marketplace disruption by having terrorism coverage either dropped from policies or offered only at highly inflated prices. Fortunately, this was averted. Although NARAB has finally passed, there is a lot of work yet to be done with implementation, and more information will be coming from IIABA on this.

InsurPac experienced another successful year, exceeding the $1 million mark in 2014 for the second year in a row. The challenge now is to grow the PAC in 2015. Please remember to make both your state and national PAC contributions right away if you haven’t already done so.

Advocacy efforts of the Big “I” extend beyond legislative work to include advocacy by many other programs, such as the Technical Affairs Committee and our company advocacy, which often go unnoticed. IIABA leadership meets with many compa-

nies throughout the year, advocating for independent agents. The Big “I” Office of General Counsel continues to review and advise on agency-company contracts, and to work to protect agents’ interests in contractual issues, such as ownership of expirations.

The Technical Affairs Committee’s success working with ISO to resolve the “Where You Reside” issue in the Homeowners policy affects the entire insurance industry by eliminating a potentially catastrophic, and virtually hidden, coverage deficiency found in the definition of “Residence premises” in the HO policy. Detailed information on this subject can be found on the IIABA website under the Virtual University link.

As always, if you have any comments or questions about our Association, feel free to contact me at Miller, Fidler & Hinke Insurance Agency. My direct dial number is 515-868-0484 and my email is: dbrooks@mfhins.com

CONGRATULATIONS DANA RAMUNDT Progressive congratulates Dana Ramundt from the Dana Company, Des Moines, IA for being named to the Insurance Business America magazine’s Hot 100 list for 2015.

Thank you for your continuing partnership.

Progressive Casualty Ins. Co. & affiliates.

13A00200.H01_BigIViewpoint_7.5x4.9167_4C.indd 1

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Creating Achievable Goals & Objectives

by Al Diamond

E

very year Agency Consulting Group, Inc. helps agents create and implement their Tactical (Annual) and Strategic (Long Term) Plans for progressing their agencies’ growth and profitability. And, until an agency has planned for several years, the problems always involve ‘disconnects’ between long range goals, next year’s goals (the agency’s Objectives) and the activities that agency staff does every day to achieve those goals (Action Plans). Like magic, once the participants see the light and understand what they do on a daily basis impacts the agency’s annual performance as well as their own compensation, Long Term Goals seem to mesh with Annual Objectives and the staff clearly sees the difference between Objectives and Action Plans. Until that moment is reached, agency staff tends to lean toward activities instead of objectives and this muddies, rather than clears, the path to success.

Strategic Goals for a business define where it wants to be after several years of development. Annual Objectives define what the business must do in a single, significant area of performance by the end of the year in question in order to progress toward its long term strategic goals.

Action Plans are activities, the conduct of which will likely permit the achievement of the objective.

Benchmarks are the monthly measuring stick that estimates a measurable point at which the results should be each month if the action plan has been implemented and is working properly for the stated Objective.

THE TWO GREATEST PROBLEMS WITH MOST BEGINNER PLANNERS IS 1) Creating action plans without knowing the objective, and 2) Assuming that they have to create their own action plans without help when they have spent years not achieving goals through those same activities.

Action Planning without first creating ROAM (Realistic, Objective (rather than subjective), Achievable and Measurable) Objectives are like shooting arrows with a bow one after another without having a target at which to shoot. Yes, you may be fast on the draw, but you may lose all your arrows and you have no idea where they are going to land. A really stupid game we used to play at camp when the counselors weren’t looking was shooting an arrow as close to straight up as we could and then scurrying about trying to avoid being hit by the descending projectile.

The best I can say about that practice in my youth is that the surviving members of our little band of idiots are

Al Diamond will appear at our 2015 IIAI Convention

SPRING 2015 |

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now quite successful at each of their trades. But the reality exists that launching an arrow without knowing where it is going to land is both foolhardy and a wasted task. And so is creating and implementing action plans without having solid Objectives at which to “shoot” the action plans.

The second thing that takes many individuals and groups years to comprehend is that they form a much greater mindpool combined than any one of them do individually. Every Objective gets an “owner.” That owner is not expected to complete the Plan or Action Plans on their own – they are just expected to manage the process to the end that every Objective is clearly stated and carries achievable Action Plans and reasonable Monthly Benchmarks.

Yet for the first several years, each participant or each group feels that it is a personal failure if they can’t create workable Action Plans or Benchmarks without outside help.

In fact, without asking others within their organizations whether it be the owners, managers, other staff members or asking outside the organization the consultants and other advisors for their input and feedback, they are doomed to repeat the same results achieved previously with only slight variations in ideas that they believed were viable in prior years. So if the results were not exactly what they desired, the new results were just as likely to fall short of desired levels.

The answer is to form the Objectives and validate them with as many people outside of the work circle as possible. Once you are comfortable that all involved buy into the Objective as reasonable (qualifying for all the ROAM criteria), then create whatever Action Plans you or your team can establish as likely to achieve the objective. Whether you can innovate to new action plans or not, test them with managers, owners and other staff members and counselors long before proposing them in the Strategic Planning meeting.

Change and polish them until everyone you ask feels that the Action Plans a) can be done, b) will likely achieve the results in the Objective, and c) are properly cost-justified (how much with it cost vs. the benefit).

This creative effort using ALL available resources give the Objective owner confidence in the reasonability of the Objective, Action Plan and Benchmarks and creates a feeling of synergy in an organization that has previously thrived on individual performance and blame. We are ALL involved in the success of the agency and we all drown if there is a hole in the ship – even if the hole is not in our compartment.

Most agencies don’t foster synergy and sharing. Mature strategic and tactical planning fosters that and eliminates the defensiveness encountered in most small, closely held businesses.

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In Memory of James E. Krist 1959 - 2015

Jamie was a leader in the insurance industry. He was an IIAI Board Member as well as a instructor for our License Exam School.

Jamie received a Presidential Citation, September 2012, for his countless hours spent on insurance issues.

Jamie will be greatly missed.

RECORD SET IN 2015

IIAI Rural Agents Conference • Save the date for the 2016 Rural Agents Conference - January 26-27, 2016 •

16 |

CARSON LYONS CHAIR SCOTT LERDAL Drones

TOM AHLERS Buy/Sell

| SPRING 2015

ED USSET Crop Insurance

JOHN IMMORDINO Cyber Liability

MIKE COLLINS Tax Issues

BOB SKOW Workers’ Compensation

DON EGLI Truck Insurance

DAVE THOMPSON Homeowners

DEAN BROOKS Workers’ Compensation

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For All That Matters

WWW.ACUITYU.COM

ACUITY

CE VIDEO

… s r a K s d i K An E&O

TIME BOMB: Can Your Staff Handle These Types of Scenarios?

Author: Bill Wilson

Q:

“Our agency has a divorced couple living in two separate households. Both are insured by the same insurer on separate policies. The parents have joint custody of a 16-year-old son who is listed as a driver on the mother’s policy. The father recently purchased a vehicle for the use of his 16 year old son and we added the son to the father’s policy and attempted to remove him from the mother’s policy. The insurer will not delete him as a driver from the mother’s policy since he lives part time with her also. We do not feel this is correct that both parents have to be charged for a youthful driver.

What do you think?”

A:

Your question begins with a rating issue but the real issue is coverage. First, let’s address the rating issue. This is from ISO’s personal vehicle manual:

Rule 5 - Safe Driver Insurance Plan (SDIP) B. Procedural Rules

2. Drives subject to SDIP Classification The driving record of all drivers who customarily operate the autos being insured shall be used for the purpose of determining SDIP rating factors.

The following exceptions apply: No surcharges are assigned for the convictions, accidents or years licensed of:

a. A driver demonstrated to be a named insured or a principal operator of an auto insured under a separate policy.

b. A driver specifically excluded under a named driver exclusion.

Whether the insurer in question follows ISO rules to the letter is unknown. I’d provide this information to the underwriter and ask for the rating rule(s) they are relying on with regard to “customary operation” of an insured auto under the mother’s policy, along with any surcharges.

However, rating is the least of your insureds’ worries based on the scenario you describe.

Under the ISO PAP, the mother’s policy will not cover the kid while driving the car his father bought…it would only cover him while driving his mom’s car or possibly a nonowned auto not owned by him or furnished or available for his regular use. He would only have coverage under his dad’s PAP. However, the potential big problem for mom is this exclusion in her ISO policy: B. We do not provide Liability Coverage for the ownership, maintenance or use of:

3. Any vehicle, other than “your covered auto”, which is: a. Owned by any “family member”; or b. Furnished or available for the regular use of any “family member”.

However, this Exclusion (B.3.) does not apply to you while you are maintaining or “occupying” any vehicle which is: a. Owned by a “family member”; or b. Furnished or available for the regular use of a “family member”.

If mom is sued when junior kills somebody in the auto insured under his father’s PAP, mom’s own policy would not

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cover HER because of this exclusion…she is only covered for such claims by her own policy if she is maintaining or using the auto.

To further illustrate this point, let’s say the kid is staying with mom and has an accident that kills two people in another vehicle. Mom is sued based on parental liability, vicarious liability, or several other possible grounds.

Read the exclusion above. Unless mom is maintaining or occupying the son’s car, HER own auto policy will not cover HER for the lawsuit.

She would only be covered under the policy on which the son’s car is added (again, assuming ISO policy language). So she’d better make sure her son’s (i.e., dad’s) policy has high limits like (hopefully) her own.

Our national Technical Affairs Committee has asked ISO to revise this exclusion and the exception so that “you” under the policy still has coverage at least for the vicarious liability of “family members.”

These types of wacky situations happen far more often than you might be aware. Last year, we had a situation

similar to this involving a child living with grandma and step-grandpa where the latter had a driver exclusion endorsement on grandma’s policy. I won’t go into the complex details but the end result was that the kid negligently caused multiple fatalities in a wreck and EVERYBODY was sued.

Aside from grossly inadequate limits, step-grandpa had no coverage under any policy, including his own, and had to provide his own defense.

There are a number of VU articles related to this, including Joint Custody Insurance Issues and Kids’ Cars and Divorce. Search the VU for “kids kars” and “parental liability” for even more information involving related issues.

Bill Wilson is director of the Big “I” Virtual University. This question was originally submitted by an agent through the VU’s Ask an Expert Service. Answers to other coverage questions are available on the VU website. If you need help accessing the website email Cindy@iiaiowa.org to request login information.

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affiliatememberdirectory

INDEPENDENT INSURANCE AGENTS OF IOWA

Affiliate Members as of April, 2015

Companies SILVER AAA Minnesota/ Iowa 600 West Travelers Trail Burnsville, MN 55337 952-707-4961

BRONZE Accident Fund Insurance Company of America 200 N Grand Lansing, MI 48933 517-367-1437 Acuity 2800 S Taylor Drive Sheboygan, WI 53081 920-458-9131 www.acuity.com ADM Crop Risk Services 5155 Copper Creek Drive Pleasant Hill, IA 50327 217-521-4073 www.admcrs.com AgriLogic Insurance Services 1000 Ballpark Way Ste 312 Arlington, TX 76011 Allied General Agency Company 1100 Locust Street Des Moines, IA 50391 515-508-4625

PLATINUM Allied Insurance 1100 Locust Street Des Moines, IA 50391 515-508-4625 www.alliedinsurance.com

Amerisafe 2301 Highway 190 West De Ridder, LA 70634 800-897-9719 ARMtech Insurance Services 7725 Douglas Avenue Des Moines, IA 50322 515-238-1765 armt.com

BRONZE ASI Underwriters Corp.

1 ASI Way St. Petersburg, FL 33702 866-274-8765

BRONZE

Bituminous Insurance Companies 320 18th ST Rock Island, IL 61201 800-475-4477 www.bituminousinsurance.com Burns & Wilcox 333 South 7th St Ste 1300 Minneapolis, MN 55402 612-564-1880 www.burnsandwilcox C N A Surety PO Box 9322 Minneapolis, MN 55440-9322 952-285-3302 www.cna.com

Auto-Owners Insurance PO Box 65440 West Des Moines, IA 50265 515-225-7060 www.autoowners.com

Cameron Insurance Companies 214 McElwain Drive Cameron, MO 64429 816-632-6511 www.cameron-insurance.com

Benefit Source, Inc. 4000 Westown Parkway Ste 110 West Des Moines, IA 50266 515-453-9462

Cannon Cochran Sales Management Services 1501 42nd St Ste #220 West Des Moines, IA 50266 515-223-9022

Berkshire Hathaway Homestate Company 1314 Douglas Street Omaha, NE 68102 402-346-1400

Chubb Insurance Group 4800 Westown Parkway Ste 324 West Des Moines, IA 50266 515-440-8140

Bilbrey Insurance Services 5701 Greendale Road Johnston, IA 50131 515-276-7557

Cincinnati Insurance Company PO Box 145496 Cincinnati, OH 45250 513-870-2000

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affiliatememberdirectory

BRONZE Columbia Insurance Group 10820 Harney St Omaha, NE 68154 402-637-0860 www.cig-ins.com Concorde General Agency PO Box 10459 Fargo, ND 58106 701-239-9941

EQP! Equipoise Accounting & Finance 805 Lincoln Hwy Ste A Nevada, IA 50201 515-382-2389 www.eqpros.com

SILVER

SILVER

Farmers Mutual Hail Insurance Company 6785 Westown Parkway West Des Moines, IA 50266 282-9104

Continental Western Insurance Company 11201 Douglas Avenue Des Moines, IA 50306 515-473-3000 cwgins.com

Foremost Insurance Attn Sales Support LC 1320 Grand Rapids, MI 49501 800-237-6136 www.foremost.com

Couri Insurance Associates LLC 383 West Main Street Waukesha, WI 53186 262-548-8077 Crop Pro Insurance 7580 NW 100th St Grimes, IA 50111 515-985-1121

BRONZE Diversified Crop Insurance Services 1608 A West Lafayette Jacksonville, IL 62650 217-479-6068 Eastern Iowa Mutual Insurance Associates PO Box 203 Mt Vernon, IA 52314 319-895-8417

PLATINUM EMC Insurance Companies PO Box 884 Des Moines, IA 50304 515-280-2511 www.emcinsurance.com

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SILVER Great American Insurance Companies PO Box 4008 Eau Claire, WI 54706 715-834-8155 Great West Casualty Company PO Box 277 South Sioux City, NE 68776 402-494-2411 www.gwccnet.com

GOLD Grinnell Mutual Reinsurance PO Box 790 Grinnell, IA 50112 641-269-8000 www.gmrc.com

SILVER GuideOne Insurance 1111 Ashworth Road West Des Moines, IA 50265 515-267-5000

BRONZE Hastings Mutual Insurance Company 404 E Woodlawn Avenue Hastings, MI 49058 800-442-8277

Heartland Crop Insurance 120 SE 6th Avenue, Ste 210 Topeka, KS 66603 888-789-5566 www.heartlandcropinsurance.com Home Warranty Inc. PO Box 1 Rock Rapids, IA 51246 877-977-4949 www.homewarrantyinc.com Hudson Crop 7300 W 110th St, Ste 400 Overland Park, KS 66210 866-450-1445 www.hudsoncrop.com Impreial PFS 301 W 11th St #4 Kansas City, MO 64105 800-255-6316 www.premiumfinance.com

PLATINUM Independent Agents Service Corp.

4000 Westown Parkway Ste 200 West Des Moines, IA 50266 515-223-6063 Insurance Associates of America 17500 W Liberty Lane New Berlin, WI 53146 262-754-5252 www.iaanetwork.com

BRONZE Integrity Insurance PO Box 539 Appleton, WI 54912 800-348-1741

BRONZE International Ag Insurance Solutions LLC 1415 28th St Ste 125 West Des Moines, IA 50266-1468 855-450-8756

affiliatememberdirectory

Iowa Municipalities Workers Compensation 500 SW 7th St Ste 101 Des Moines, IA 50309 515-244-7282

PLATINUM

SILVER Merchants Bonding Company 2100 Fleur Drive Des Moines, IA 50321 515-243-8171 www.merchantsbonding.com

Patrons Mutual Insurance Association PO Box 70 Stuart, IA 50250 515-523-1743

PLATINUM

Iowa Mutual Insurance Company 509 Ninth St DeWitt, IA 52742 563-659-1206 www.iowamutual.com

Midwest Family Mutual Insurance PO Box 9425 Minneapolis, MN 55440 763-951-7000 www.midwestfamily.com

Pekin Insurance 2505 Court Street Pekin, IL 61558 800-322-0160 www.pekininsurance.com

John Deere Insurance Company 6400 NW 86th Johnston, IA 50131 515-267-3481 www.johndeerecropinsurance.com

National American Insurance Company 1010 Manvel Avenue PO Box 9 Chandler, OK 74834 405-258-4451

Philadelphia Insurance 4401 Westown Parkway West Des Moines, IA 50266 515-224-3916

Legal Shield 4816 84th Street Urbandale, IA 50322-1056 515-249-1327

NetComp Insurance Corporation 1333 Main St Ste 600 Columbia, SC 29201 877-663-6983 www.netcompinsurance.com

SILVER LeMars Insurance Company PO Box 2142 Cedar Rapids, IA 52406 319-845-4084

BRONZE Liberty Mutual Insurance N19 W24130 Riverwood Dr Ste 200 Waukesha, WI 53188 515-471-3600

BRONZE M J Kelly Company of Iowa 4415 E State Hwy D Springfield, MO 65809 417-883-2688 www.mjkelly.com Markel FirstComp 222 South 15th Street Omaha, NE 68102 888-500-3344 www.firstcomp.com

BRONZE North Star Mutual Insurance Company PO Box 48 Cottonwood, MN 56229 800-622-5230 Old Republic Agribusiness Underwrite 4685 Merle Hay Road Ste 202 Des Moines, IA 50322 515-251-5193 Old Republic Surety Company 1503 42nd St Ste 100 West Des Moines, IA 50266 515-221-1000 www.orsurety.com

BRONZE Partners Mutual Insurance Company 20935 Swenson Drive Waukesha, WI 53186 800-551-5151

PIPAC/PIPAC Life 1521 Technology Pkwy Ste A Cedar Falls, IA 50613 319-277-8541 Poweshiek Mutual Insurance Association PO Box 654 Grinnell, IA 50112 641-236-6543 Premium Assignment Corporation 401 S Carlton Ste 201 Wheaton, IL 60187 877-737-6972 ProAg 108 W 20th Avenue Tyndall, SD 57066 605-760-0599 proag.com

PLATINUM Progressive Insurance Company 31552 Sumac Road Neola, IA 51559 712-485-2196 drew_ferguson@progressive.com QBE Regional Insurance 10400 Viking Drive Eden Prairie, MN 55344 608-837-4440

SPRING 2015 |

| 25

affiliatememberdirectory

SILVER

BRONZE

QBE-NAU 300 W Broadway Ste 500 Council Bluffs, IA 51503 www.naucountry.com

Selective Insurance Group, Inc. 11711 N Meridian St Ste 800 Carmel, IN 46032 866-248-0850

Transportation Ins. Service LTD 3098 104th St Urbandale, IA 50322 515-327-6170 www.trans-ins.com

QBE-North Pointe Insurance 28819 Franklin Road Southfield, MI 48037 248-358-1172

ServPro of Eastern - Western Iowa 7208 Jebens Avenue Davenport, IA 52806 319-338-8550 www.servproiowacitycoralville.com

Travelers Insurance 7101 Vista Drive West Des Moines, IA 50266 800-448-2249 www.stpaul.com

SFM - The Work Comp Experts 3500 American Blvd W #700 Bloomingon, MN 55431 952-838-4200 www.sfmic.com

BRONZE

Society Insurance PO Box 1029 Fond du Lac, WI 54936 414-922-1220 www.societyinsurance.com

PLATINUM

Rain and Hail Insurance Service Inc. 9200 Northpark Drive Johnston, IA 50131 515-559-1100 www.rainhail.com Ringwalt & Liesche 3024 Harney Street Omaha, NE 68131 402-916-3114 RPS - Risk Placement Services Inc. 7300 Metro Blvd Minnetonka, MN 55439 952-938-0655 Rural Community Insurance Services 3501 Thurston Avenue Anoka, MN 55303 763-427-0290 www.rcis.com SAFECO Insurance Company PO Box 1137 Waukee, IA 50263-2450 www.SAFECO.com Safelite Auto Glass 1300 SE Gateway Dr Ste 111 Grimes, IA 50111 515-344-1130 www.safelite.com

BRONZE SECURA Insurance Company 2401 S Memorial Drive Appleton, WI 54915 920-739-3161

26 |

| SPRING 2015

BRONZE

Travelers Insurance 385 Washington Street St Paul, MN 55102 651-310-7403

United Fire Group PO Box 73909 Cedar Rapids, IA 52407 800-553-7937 www.unitedfiregroup.com

State Auto Insurance 2955 N Meridian St Box 1980 Indianapolis, IN 46206 317-931-7508

VGM Speciality Underwriters 16011 College Blvd Ste 20 Lenexa, KS 66219

Strategic Comp LLC PO Box 6960 Metairie, LA 70009 800-467-7725

West Bend Mutual Insurance Co. 1900 South 18th Ave West Bend, WI 53095 262-334-5571 www.wbmi.com

The Celina Insurance Group 1 Insurance Square Celina, OH 45822 419-586-5181 The Climate Corporation 201 Third Street Ste 1100 San Francisco, CA 94103 415-363-0736 www.climate.com

PLATINUM The IMT Group PO Box 1336 Des Moines, IA 50305 515-327-2777 www.imtins.com

BRONZE

Western Iowa Mutual Insurance PO Box 498 Council Bluffs, IA 51502 712-328-1823

BRONZE Western National Insurance 5350 West 78th Street Edina, MN 55439 952-921-3868

BRONZE Westfield Insurance One Park Circle Westfield Center, OH 44251 330-887-6900 www.westfieldgrp.com

EMC’s Commercial Policyholder Access saves your clients time by providing online information about their EMC policies, reducing the amount of time you spend answering routine questions. That means more time for selling and servicing clients.

Count on EMC® to help you make the most of your time. Ask your EMC marketing representative how to sign up your clients for Commercial Policyholder Access.

LEAH VAN MAANEN Claims Representative II EMC Des Moines Branch

SAVE YOUR CLIENTS TIME

AND MAXIMIZE YOUR TIME, TOO.

YOUR NEAREST BRANCH OFFICE:

www.emcins.com

Des Moines Branch: 800.362.2227 | Home Office: Des Moines, IA

© Copyright Employers Mutual Casualty Company 2015. All rights reserved.

Build your commercial property & Wilcox. business with Burns Prevent construction projects from becoming a risky venture with Burns & Wilcox.

CONSTRUCTION

Building restoration projects are a complex business with multiple risks. This presents multiple opportunities for you if you partner with Burns & Wilcox. From builder’s risk, to the contractors and architects doing the work, we have solutions for every exposure related to any project. Find the structure you need to capitalize on this opportunity. Work with the global leader in wholesale insurance – Burns & Wilcox.

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INSURANCE DAY ON THE HILL Agents Go To State Capitol To Discuss Issues Of Importance To Them

1

3

4

2 1.

Senator Bill Dix Minority Leader from Shell Rock is engaged with Big “I� members on the hot topics impacting agents this session.

2.

Speaker of the Iowa House Kraig Paulsen of Hiawatha makes a point while House Majority Leader (red dress) Linda Upmeyer listens.

3.

The group met with Lt. Governor Kim Reynolds.

4.

Independent Agents attending Insurance Day on the Hill pose for picture with Senate Majority Leader Mike Gronstal standing in the middle of the second row in the brown suit.

Together we make a difference!

SPRING 2015 |

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JerseyAdFinal-(IIAI).pdf 1 1/26/2015 9:48:36 AM

C

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Insurance products underwritten by Westport Insurance Corporation, 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. ©2008 Swiss Re

INDEPENDENT INSURANCE AGENTS OF IOWA 4000 Westown Parkway, Suite 200 West Des Moines, Iowa 50266

PRSRT STD U.S. Postage Paid Des Moines, IA Permit No. 2538

2015

INDEPENDENT INSURANCE AGENTS OF IOWA PROGRAMS SPONSORS A Special Thank You To The Following Sponsors For Supporting IIAI’S Conferences and Programs in 2015.

PLATINUM

GOLD

Allied Insurance EMC Insurance Companies The IMT Group Independent Agents Service Corporation Iowa Mutual Insurance Company Pekin Insurance Progressive United Fire Group

Grinnell Mutual

S I LV E R AAA Insurance Continental Western Group Farmers Mutual Hail Insurance Company Great American Crop Insurance GuideOne Insurance LeMars Insurance Company Merchants Bonding Company QBE - NAU

BRONZE Accident Fund/United Heartland ASI Underwriters Corp Auto-Owners Insurance Columbia Insurance Group Diversified Crop Insurance Services Hastings Mutual Insurance Integrity Insurance International Ag Insurance Solutions Liberty Mutual Insurance

M.J. Kelly Company of Iowa North Star Mutual Insurance Company Partners Mutual Insurance Company Secura Insurance Selective Insurance Company of America State Auto Insurance Company Travelers Insurance West Bend Mutual Insurance Western National Insurance Westfield Insurance