e-Insight - NonMember - December 2018 by Big I Illinois

Recruiting new talent. Target marketing. Competing for new business. Perpetuation planning.

As an independent agent, the path forward isn’t always clear. With Keystone, the best resources are at your fingertips to help you carve out clarity from our industry’s complexities. We connect you to a community of like-minded independent agents, provide access to relationships that extend beyond your geographic reach, and employ the expertise that expands opportunities for you and your clients.

Success is a journey. Let us be your guide.

Because independence works better together. ©2018 Keystone Insurers Group ®. All rights reserved. This does not constitute an offer to sell a franchise in any state in which the Keystone Insurers Group franchise is not registered.

Contact Neal Williams: 570.473.2850 nwilliams@keystoneinsgrp.com keystoneinsgrp.com

Editor & Advertising - Deann French | Graphic Design - Rachel Romines

the journal of trusted choice independent insurance agents of illinois

December 2018

CONTENTS 11

Blue Wave Hits Illinois By Phil Lackman

How to Avoid Losing Customers to Competitors By John Graham

20 7 Trusted Choice

Top Ways to Use Cash in Your Agency By David Tralka Why You Should Take Rejection Personally By John Chapin

15 e-Insight

In This Issue

23 25 30

9 26 29

IIA of Illinois News Classifieds

22 Young Agents

Regular Features Associate News

Industry Industry News People in the News

INSIGHT

Insight is the official publication of the Independent Insurance Agents of Illinois (IIA of Illinois). The magazine is published monthly for the members of the IIA of Illinois, with the office located at 4360 Wabash Avenue, Springfield, Illinois 62711-7009; Consumer Website: www.ChooseIndependent.com. The IIA of Illinois welcomes letters discussing concerns of the insurance industry, articles, editorials, other matters of interest to the membership. The editor reserves the right to edit and select submissions for publication. Address submissions for review to dfrench@iiaofil.org.

2009 • 2010 • 2011 • 2012 2013 • 2014 • 2015 • 2016 • 2017

info@iiaofil.org | www.iiaofil.org | (800) 628-6436 or (217) 793-6660 | Fax: (217) 793-6744 The Independent Insurance Agents of Illinois (IIA of IL) has been providing members with a sustainable competitive advantage since 1899.

ADVERTISERS

Board of Directors Executive Committee

ABRC

Chairman of the Board | Ryan Hite (309) 688-7316 | ryan.hite@eaglerockins.com

AMTRUST

President | Patrick Muldowney (312) 595-7192 | patrick.muldowney@alliant.com

APPLIED UNDERWRITERS

President-Elect | Bill Wirth (618) 939-6368 | billw@wirthagency.com

BERKSHIRE HATHAWAY GUARD INS. GROUP

EMC INSURANCE

GRINNELL MUTUAL

GUIDE ONE

INSURANCE ASSOCIATES OF AMERICA

Regional Directors

IPMG

Region 1 | Lisa Lukens (618) 942-2556 | salibainsurance@gmail.com

IPRF

Region 2 | Joseph Heneghan (618) 639-2244 | joe.heneghan@hwcrins.com

KEYSTONE

Region 3 | Jay Peterson, AFIS, LUTCF (217) 935-6605 | jay@peterson.insurance

THE IMT GROUP

Region 4 | Michael Gonet (815) 339-2411 | mike_gonet@hotmail.com

TRANSCOM GENERAL

Region 5 | Patrick Taphorn, CIC, CSRM (309) 347-2177 | ptaphorn@unland.com

WA SCHICKEDANZ/INTERSTATE RISK PLACEMENT

Region 6 | Teresa Fleming (815) 849-5219 | tess@leffelmanassoc.com

WEST BEND MUTUAL

IIA of Illinois Staff Education Director, CRM Manager Shannon Churchill - (217) 321-3004 - schurchill@iiaofil.org Vice President of Communications Deann French - (217) 321-3022 - dfrench@iiaofil.org Products & Services Administrator Melissa Hilgendorf, RPLU, CIC, CISR - (217) 321-3012 - mhilgendorf.indep12@insuremail.net Accounting & Admin Services, Tradeshow Admin Tami Hubbell - (217) 321-3016 - thubbell@iiaofil.org Director of Human Resources/Board Admin Jennifer Jacobs - (217) 321-3013 - jjacobs@iiaofil.org Sr. Vice President/Chief Financial Officer Mark Kuchar - (217) 321-3015 - mkuchar@iiaofil.org Chief Executive Officer Phil Lackman - (217) 321-3005 - plackman@iiaofil.org

Central/Southern Marketing Representative Lori Mahorney - (217) 415-7550 - lmahorney@iiaofil.org Vice President, Agents Insurance Services Brian McSherry, CIC - (217) 321-3018 - bmcsherry@iiaofil.org Office Administrator Kristi Osmond - (217) 321-3007 - kosmond@iiaofil.org Digital Communications/Web Administrator Rachel Romines - (217) 321-3024 - rromines@iiaofil.org Director of Membership Services Tom Ross, CRIS, CPIA - (217) 321-3003 - tross@iiaofil.org Communications Assistant Tyler Scott - (217) 321-3023 - tscott@iiaofil.org Products & Services Administrator Janet White, CISR - (217) 321-3010 - jwhite.indep12@insuremail.net Sr. Products & Services Administrator Carol Wilson, CPIA - (217) 321-3011 - cwilson.indep12@insuremail.net

Find us on Social Media

Public Entities and Government Agencies Count on IPRF. The Leader in Workers’ Compensation Coverage Since its inception in 1985, public entities and government agencies have controlled the cost of workers’ compensation coverage by participating in the Illinois Public Risk Fund. Today, nearly 700 risk managers rely on IPRF for: • It’s AAA Exceptional Rating • Money-Saving Grant Programs • First Dollar Coverage with No Deductible • Consistent Cost Savings Through Low Overhead and Investment Income • A Dedicated Claims Unit with Easy Access and Aggressive Subrogation • Interest-Free Premium Financing

www.iprf.com 800-289-IPRF • 708-429-6300 FAX 708-429-6488

P R O U D L Y

S E R V I N G

T H E

P U B L I C

S E C T O R

Safety is no accident. Provide more than coverage to your clients. Offer them the added protection of EMC’s loss control services. Whether it’s making operational changes to reduce injuries, implementing new work policies or coordinating targeted safety courses, our experts provide valuable services that can result in meaningful loss reduction. A safe work environment often leads to a more profitable business. And offering our loss control services at no additional cost to your clients often leads to a more profitable business for you too.

Count on EMC ® to have your clients’ best interests in mind.

Free to do what's right for you.SM

It was Free…and it was Spectacular In April Trusted Choice Illinois Launched a FREE DIGITAL AD CAMPAIGN for its members. Results from the sixmonth campaign are real... and they are spectacular. The Trusted Choice Digital Ad Campaign was designed around three components: email, retargeting and mobile. Here are the results: EMAIL: The email campaign consisted of 100,000 emails per month sent to qualified insurance intenders who had opted in to sharing their email address. The list was updated and scrubbed every 90 days. Entercom built the list by targeting the areas surrounding the agencies of campaign participants. 90% of the roughly 6,400 clicks from the emails went directly to the agency website. The remainder of the clicks went to TrustedChoice.com Email Success Benchmarks Open %: 7-9% Clicks: 0.75%+ TC Numbers Open %: 11.0 -12.61% Clicks: .86 – 1.34% RETARGETING: Those that opened the initial email were retargeted with TC.com ads for another week. (Research shows consumers need to see something 7-12 times before taking action.) As soon as the responder opens the email, Entercom collects that email address and uses data onboarding to follow them across various devices, i.e.. mobile, desktop, tablet - outside specific applications. This is a feature that ENTERCOM built into the campaign that takes it a level above traditional retargeting. december 2018

Retargeting Success Benchmarks Clicks: 0.15% TC numbers Clicks: .76-.84% MOBILE CAMPAIGN: Agent Office Targeting: This is the geo-fencing portion of the campaign. To quote Entercom, “The Trusted Choice mobile numbers are through the roof.” This targeted through mobile devices anyone entering the tight area around the agency. Each participating agency had a virtual fence drawn around their location. Insurance intenders entering this fence receive TC ads delivered through a wide variety of proven popular apps. This type of targeting is designed to facilitate immediate service. According to Entercom, Google considers .16-.30% to be the average engagement for such a campaign. Entercom routinely boasts numbers around .6% Our campaign at 1.02%is the highest number our Entercom team has ever seen! Geo-Farm – Tradeshows: This component was added about midway through our campaign. We asked Entercom to target attendees of popular conferences held around Illinois over the last year. Entercom had captured the longitude and latitude of attendees of these past events and targeted them with TC ads. The list included 10 different conferences. Benchmarks for success: .30% successful .60% very strong TC number: .70% incredibly high

insight

Your customer has years of memories in this house.

The most valuable things the family will ever own. As an Official Supplier of the Silver Lining®, you can help them protect it with a Home and Highway® policy from West Bend. Your customers will benefit from the convenience of one policy, one bill, one deductible, and one agency. With West Bend’s identity protection program, they can have access to a variety of identity protection services. And with the claim free award, they’ll even get a portion of their annual premium back if they don’t have a claim. To find out more, talk to your West Bend underwriter.

THE FUTURE IS UNPREDICTABLE. OUR SERVICE NEVER IS. At Grinnell Mutual, we’ll be there for your customers when misfortune strikes. They put their trust in you. You can place yours in us. Trust in Tomorrow.® Talk to us today. AUTO | HOME | FARM | BUSINESS

grinnellmutual.com “Trust in Tomorrow.” and “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2018.

e INSIGHT -

online journal at www.iiaofil.org/Resources/Insight

DE CE M BE R

20 18

INSIGH T

Why Yo u S OUL Take SH D a le Rejecti s on Pers on

Blue W ave Hit s Illinois

ally

Top Wa

USE CAySs to H IN YOU

R AGEN

In this monthâ&#x20AC;&#x2122;s e-Insight.

More Than 30 New Laws Highlight Record Year for Fraud-Related Legislation december 2018

insight

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YOUNG AGENTS

AMBASSADOR PROGRAM

ABOUT THE YOUNG AGENTS The purpose of the IIA of IL Young Agent Network is to encourage younger professionals, and those new to the business, to become engaged in and aware of all aspects of the insurance industry. The YA network fosters talent, promotes education and provides opportunities for growth to future industry leaders.

Help us cultivate future industry leaders.

WHAT

A YA Ambassador is an IIA of IL Associate Member who, by virtue of their position, is visiting the offices of member agents and regular attendees of IIA of IL events. The Ambassador Program is designed to encourage younger insurance professionals to utilize the resources of the IIA of IL YA Network.

WHY

Company Representatives have access to agents and know where to find the next industry leaders. As an Ambassador you will help young agents connect with IIA of IL and the Young Agents Network.

BE AN AMBASSADOR 26

insight

www.ILYoungAgents.com

HOW

Itâ&#x20AC;&#x2122;s simple! You are doing most of the work already. When you visit an agency and meet a young professional, let them know the value of Young Agents Network. You will be provided with materials to share with prospects. Then forward their contact information and they will be added to the network. december 2018

ASSOCIATE NEWS

Thank you to our Associate Members.

Diamond Level Members

Platinum Level Progressive Nat Gen Premier

Gold Level AAA Insurance Agent/Broker Review Company Arlington/Roe Blue Cross/Blue Shield of IL

Silver Level Grinnell Mutual Reinsurance Company Imperial PFS Nationwide

Surplus Line Association of Illinois The IMT Group West Bend Mutual Insurance Co.

Bronze Level A.J. Wayne & Associates AMERISAFE Aon Programs Atlantic Specialty Lines Auto-Owners Insurance Co. Berkshire Hathaway Guard Insurance Companies Burns & Wilcox, Ltd. Chicagoland Carstar Columbia Insurance Group Continental Western Group Donald Gaddis Company, Inc. Donegal Insurance Group Echelon Property & Casualty Insurance Co. Encompass Insurance Erie Insurance Group Foremost Insurance Group Forreston Mutual Insurance Company Grange Insurance Illinois Mine Subsidence Insurance Fund Illinois Public Risk Fund Indiana Farmers Insurance Interstate Risk Placement IPMG J. C. Restoration J M Wilson Kemper december 2018

Keystone Insurers Group, Inc. KPA, LLC dba Succeed/KPA Liberty Mutual Madison Mutual Insurance Company MarshBerry Maximum Ind. Brokerage, LLC Mercury Insurance Company of IL MetLife Auto & Home Midwest Insurance Company Motorists Insurance Group Nationwide NHRMA Mutual Workersâ&#x20AC;&#x2122; Compensation ProAg Management Inc. PuroClean Rockford Mutual Insurance Co. Safeco Insurance ServiceMaster DSI Society Insurance Specialty Risk of America Transcom General Agency Travelers United Fire Group Utica National Insurance Group W.A. Schickedanz Agency, Inc. Western National Insurance Westfield Insurance Company insight

CONVO OCT.

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9/13/18 2:42 PM

IIA OF ILLINOIS NEWS Education Classes december

CIC - Ruble Seminar Elk Grove Village

New Members january

23 31

CIC - Agency Management Rolling Meadows Farm Agents Council Mid-Winter Meeting Springfield

february

20 26 27

CIC - Commercial Casualty Rolling Meadows CISR - Commercial Casualty 1 Rolling Meadows CISR - Personal Auto Springfield

member agency Eclipse Insurance Agency, LLC DuQuoin, IL J Squared Insurance, LLC Wheaton, IL Kishwaukee Valley Insurance Agency, Inc. Woodstock, IL Rali, Inc. Park Ridge, IL Russell R. Dixon, Inc. Wheaton, IL For information regarding IIA of Illinois membership or company sponsorship, contact Tom Ross, Director of Membership Services, at (217) 321-3003, tross@iiaofil.org.

december 2018

insight

industry news

GO Bop Launches Positive Change for Small Businesses, Agents Writing GuideOne Insurance

IBHS Introduces OFB-EZ Spanish Edition to Help Hispanic-Owned Businesses Prepare for Disasters

GuideOne Insurance launched an online quoting portal speeding agent business in a growing insurance segment. GO BOP, GuideOne’s Business Owners Policy portal, delivers instant quotes and binds business in eight small business categories in as little as 10 minutes.

Many small businesses are unprepared to respond to a weather disaster like a blizzard, or other business disruptions such as a structure fire or long-term power outage.

GuideOne now writes business owners policies for churches, contractors, distributors, offices, real estate, restaurants, retail and service businesses. Optional coverage for cyber is available and includes cyber exposures like identity recovery, data breach, computer attacks and extortion in one form. Agents will know a client’s eligibility within fewer than 15 questions on two screens thanks to GO BOP’s third-party integrations that pre-fill data and support underwriting decision-making. GO BOP launched in Illinois, Indiana, Michigan, Minnesota, Ohio and West Virginia, expanding nationally in 2019 to diversify GuideOne’s portfolio and increase market share. The 70+-year-old insurer was founded with a commitment to social responsibility and says the focus on Main Street businesses is the next step in transforming the GuideOne brand.

Statistics show one in four businesses that close due to a disaster will never reopen. Developing a business continuity plan should be a high priority for all small businesses across Illinois so they can survive and quickly recover from costly interruptions, which can exceed $3,000 per day of disruption. The Insurance Institute for Business & Home Safety (IHBS) provides key guidance for small businesses to prepare for any type of disruption with its widely acclaimed OFBEZ (Open for Business-EZ) business continuity toolkit. The demand for this free, eight-module risk management program has expanded to the surging Hispanic business marketplace, prompting IBHS to create a Spanish edition of the OFB-EZ toolkit. In conjunction with the rollout of the OFB-EZ Spanish edition, IBHS has also introduced new guidance for tracking essential business equipment during a disaster. Know Your Equipment provides a path for small business owners to highlight equipment essential to staying open before, during and after a disaster. This OFB-EZ module is available in English and Spanish. Learn more about IBHS at disastersafety.org.

insight

december 2018

Hand in hand with the workplace, there is OSHA. For decades, OSHA has required employers to track any instance of work-related injury or illness in an OSHA log. Now they have taken things one step further by requiring employers to electronically submit injury data for review each year. You likely remember this rule first went into effect July 1, 2018, and hopefully you made your clients aware or helped them comply. Now it’s important to let clients know that for 2019 and all years moving forward, the deadline will be March 2.

What data must be submitted? The data required to be submitted depends on establishment size. For the March 2, 2019 deadline, data for each establishment should come from that establishment’s completed 2018 OSHA 300A form. How does electronic submission work? You can visit the Injury Tracking Application (ITA) on the OSHA website. This secure site allows you to electronically submit your OSHA recordkeeping information one of two ways. You can upload a CSV file containing your OSHA Form 300A data for all establishments. Or, you can create profiles for each establishment and then enter and submit OSHA 300A data for each one.

To comply with the OSHA electronic recordkeeping rule, employers must submit their records electronically via CSV or manually - and can be held to substantial fines or imprisonment for failing to or fraudulently doing so. This blog will overview the important points to keep in mind regarding this requirement as the March 2 deadline approaches. Who must comply? To help define the new electronic reporting requirements, OSHA has based them on size of an establishment. You must determine the establishment’s peak employment during the last calendar year to determine what required data to provide OSHA for each establishment. To help clients establish their employee count, simply count each full-time, parttime, seasonal, and temporary worker as one person. Establishments with: • 250+ employees are required to keep OSHA injury and illness records and electronically submit information from the OSHA form 300A. • 20-249 employees classified in industries with historically high rates of occupational injuries and illnesses are required to keep OSHA injury and illness records and electronically submit information from the OSHA Form 300A. • Less than 20 employees are required to keep OSHA injury and illness records do not have to submit information electronically to OSHA under this rule.

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december 2018

W. A. Schickedanz Agency, Inc.

Interstate Risk Placement, Inc.

300 West Main Street PO Box 445 Belleville, IL 62222

7320 N. Villa Lake Dr PO Box 3765 Peoria, IL 61612

Phone: (618)233-0644 Fax: (618)233-0672

Phone: (309)692-8544 Fax: (309)693-0402

insight

industry news

What Your Clients Need to Know About the March 2 OSHA Deadline

Coverages You Need . . . from a Name You Can Trust! Protecting Your Clients’ Many Interests . . .

Berkshire Hathaway

GUARD

Insurance Companies

Nationwide operations • A+ A.M. Best Rating We have agency appointments available. Go to www.guard.com/apply! Workers’ Compensation • Businessowner’s Policy (Property and Liability) • Commercial Auto* • Commercial Umbrella/Excess • Professional Liability* • Homeowners and Personal Umbrella* • Disability* • and More (*Select States)

insight

december 2018

Melissa Hilgendorf, CIC, CISR, IIA of IL Products & Services Administrator, has been awarded the insurance designation of Registered Professional Liability Underwriter (RPLU) by the Professional Liability Underwriting Society(PLUS). The Society is a nonprofit organization with membership open to persons interested in the promotion and development of the professional liability industry. The RPLU designation is conferred by the Society on persons who complete the necessary parts of study in the program and meet the PLUS experience and ethics requirements.

Central Insurance Elects CMO, COO The Central Insurance Companies have announced the election of Evan Purmort, CPCU, AU, AIAF to Chief Marketing Officer effective August 1, 2018 and Cindy Hurless, AIS, AINS to Chief Operating Officer effective October 8, 2018. As Chief Marketing Officer, Purmort is responsible for the company’s regional operations, communications, distribution, and industry relationships. He previously held the position of Vice President – Northeast Regional Office Manager. Purmort joined Central in 2003 during high school in the Mail and Supply department in Central’s Home Office. After graduating from Miami University of Ohio in 2008, he became a Commercial Lines Technician in the Southeast Region. He was promoted to Commercial Lines Underwriter before transferring to the Southwest Region in 2011 as the Marketing Manager for Arizona. He was promoted to the Southwest Management Team in 2012 as a Commercial Lines Supervisor and was then promoted to the position of Personal Lines Manager in 2014. He has earned the Chartered Property Casualty Underwriter (CPCU), Associates in Claims (AIC), and Associates in Insurance Accounting and Finance (AIAF) designations.

In Memoriam

Jeffrey A. Thompson, age 62, passed away from natural causes on Saturday, October 20, 2018. He was born on November 11, 1955, the son of Arthur and Marilyn (Smith) Thompson. He is survived by his loving wife of 30 years, Nancy, his children, Mary Thompson (Zak Kassing) of Chicago and John (Molly) Thompson of New Orleans, as well as Marilyn (his mother), siblings Marianne (Joe) Haake and David (Carla) Thompson, and several nieces and nephews. He was preceded by his father, Arthur Thompson, and his brother, Chris Thompson. Thompson was a graduate of St. Paul the Apostle Grade School, Joliet Catholic High School, Bradley University, and obtained his MBA from Loyola University. He worked for Aetna Casualty & Surety in Chicago for seven years in their Bond and Commercial Underwriting Departments and then joined an agency in Naperville. After eleven years of specializing in commercial insurance and bonds, Thompson bought the Cornolo Agency in Lockport. In 2005 he moved the agency to Joliet and formed Northern Insurance Service, Ltd. This agency is now part of a network of agencies located in the Chicagoland Area. Thompson was a lifelong resident of Joliet, and an active member of the Joliet Region Chamber of Commerce, Exchange Club, and served on the board at Joliet Catholic Academy. He demonstrated a strong commitment to his community and worked hard to help those around him. The staff and Board of the IIA of IL extend their sincere condolences to the family and friends of Jeff Thompson.

In her role as Chief Operating Officer, Hurless’ responsibilities will include oversight of the company’s Services, Claims, Underwriting, and Loss Control operations. Hurless earned her BA in Business Administration from Hope College. She joined Central in 2002 as Manager of the Mail/Supply and Commercial Lines Services departments, and was promoted to Vice President of Customer Services in 2004. She has earned the Associates in Insurance Services (AIS) and Associates in General Insurance (AINS) designations. She serves as a member of the IIABA’s Agents Council on Technology, Van Wert City Schools Board of Education, VWAPF Board, and YWCA Board. The Central Mutual Insurance Company was founded in Van Wert, Ohio in 1876 and has evolved into the Central Insurance Companies, a successful property and casualty group providing insurance for more than 350,000 automobiles, homes, and businesses in 23 states. Central is based in Van Wert and operates regional offices in Boston, Atlanta, Dallas, and Van Wert. The Central group of companies has combined assets of over $1.6 billion. Central’s A.M. Best rating is A (Excellent).

december 2018

insight

people in the news

Hilgendorf Earns RPLU Designation

CLASSIFIEDS

for the insurance professional by the insurance professional

OPPORTUNITIES/SPACE AVAILABLE/RETAIN OWNERSHIP

13. We are a 100 year old Northbrook agency looking to discuss any mutually beneficial opportunity. Our producers, mergers, clusters and agency purchases receive 50% commissions on new and renewal business without any expenses. We can provide: office space, phones, agency management system, service renewals and changes. The companies we represent are: Badger Mutual, Employers Mutual, General Casualty, Guide One, Hartford, Kemper, Progressive, Rockford Mutual, Safeco, State Auto, Travelers and Met Life. Contact:

Nancy Solomon Martini, Miller & Schloss, Inc. (847) 291-1313 Ron@martini-miller.com

AGENCY WANTED.

20. Since 2004, Central Illinois Agents Group LLC has been providing independent agents with a variety of markets with contingency opportunities. Agents have availability to several markets that they may not be able to sustain or maintain on their own. We have markets for personal, commercial, agricultural and crop insurance lines. Let us help you get to the next level.

Visit www.ciagonline.com for contact information.

SHARED SPACE FOR RENT

99. 6400 SF office located at 127 N. Walnut St., Itasca, has availability for startups, insurance agents, salespeople, consultants, professionals, etc.; who are in need of class A space without the cost. Monthly fees range from $375 and include: Receptionist/Clerical, internet, conference rooms, kitchen, classroom/break room. Printing and clerical services are also available. Short term or long-term rentals are available. Wed are in downtown Itasca across from the Metra station. Close to expressways. For information contact:

Dino Gavanes 630-779-0566 or dino_gavanes@advisersinc.com

AGENCY/AGENTS/PRODUCERS WANTED.

02. Forest Park/Oak Park agency for over 60 years, will meet your needs by providing space, markets, marketing & sales support, automation, merging with or purchasing your agency. Perpetuation/ Succession Plans, BuySell Agreements also available. We have experienced, educated and dedicated staff for you and your clients. Have access to our numerous companies, office services and many other resources. Retain ownership in your book with contingency. Please look closely at us- we are an agency you want to do business with! Weâ&#x20AC;&#x2122;ve done it before, we know how- we make it easy! Visit our website at forestagency.com/agents.html, or call for a confidential discussion and a list of Agency benefits. Dan Browne will provide an agency evaluation/appraisal at little cost to you. Please call:

Dan Browne or Cathy Hall Forest Agency (708) 383-9000 dbrowne@forestagency.com

insight

december 2018

Expect big things in workers’ compensation. Most classes approved, nationwide. It pays to get a quote from Applied.® For information call (877) 234-4450 or visit auw.com/us. Follow us at bigdoghq.com.