e-Insight - June 2022 - Non-Member by Big I Illinois

JUNE 2022

INSIGHT

Influencers in the

Wild

Plus

Industry Trends The Transformation of Personal Lines

We are more than a Wholesaler. We are a reliable resource. As a managing general agency and wholesale insurance broker, we have binding authority for multiple carriers and access to over 200 markets. We offer standard and non-standard, surplus lines and admitted solutions. The way we conduct business stems from our three core pillars of honesty, integrity and trust. Get to know Arlington/Roe. Family-owned and Doing the Right Thing since 1964.

Managing General Agents | Wholesale Insurance Brokers

Let us help you find the right solutions.

800.878.9891 ArlingtonRoe.com

Editor & Graphic Design - Rachel Romines

June 2022

Advertising - Tami Hubbell

CONTENTS 10

Independent Agents Face Steeper Competition as Carriers Release Captive Agents

Game-Changing Trends in 2022 for the Future of Insurance

18 22 25 32

By Joel Zwicker

By Denise Garth

Influencers in the Wild - Part 1 The Internet of Things Could Transform Personal Lines By Nationwide

Helping Your Clients Navigate Home and Auto Trends By Jeff Rommel

Save the Date for CONVO 2022

In This Issue

The Independent Insurance Agents of Illinois (IIA of IL) has been providing members with a sustainable competitive advantage since 1899.

7 8 9 17

Brett’s 2 Sense Trusted Choice Industry

e-Insight

28 31 33 34

Associate News Agency/Agent Spotlight IIA of IL News Classifieds

info@iiaofil.org | www.iiaofil.org | (800) 628-6436 or (217) 793-6660 | Fax: (217) 793-6744 WINNER

2009 • 2010 • 2011 • 2012 • 2013 • 2014 2015 • 2016 • 2017 • 2019 • 2020 • 2021

Insight is the official publication of the Independent Insurance Agents of Illinois (IIA of IL). The magazine is published monthly for the members of the IIA of IL, with the office located at 4360 Wabash Avenue, Springfield, Illinois 62711-7009; Consumer Website: www.ChooseIndependent.com. The IIA of IL 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 Rachel Romines at rromines@iiaofil.org. For advertising information, contact Tami Hubbell at thubbell@iiaofil.org.

ADVERTISERS

Board of Directors Executive Committee

ACUITY

APPLIED UNDERWRITERS

ARLINGTON/ROE & CO.

BIG “I” MARKETS

BERKSHIRE HATHAWAY GUARD INS. GROUP

DOCUSIGN

EBRM

EPAYPOLICY

GRINNELL MUTUAL

IPMG

Cover Tip

OMAHA NATIONAL

SOCIETY INSURANCE

SWISSRE PROFESSIONAL LIABILITY

UFG INSURANCE

WEST BEND MUTUAL INSURANCE CO.

IIA of Illinois Staff Director of Information and Technology Shannon Churchill - (217) 321-3004 - schurchill@iiaofil.org

Director of Government Relations Evan Manning - (217) 321-3002 - emanning@iiaofil.org

Director of Education and Agency Resources Brett Gerger, CIC - (217) 321-3006 - bgerger@iiaofil.org

Office Administrator Kristi Osmond, CISR - (217) 321-3007 - kosmond@iiaofil.org

Accounting & Admin Services Tami Hubbell, CIC - (217) 321-3016 - thubbell@iiaofil.org

Director of Communications Rachel Romines - (217) 321-3024 - rromines@iiaofil.org

Director of Human Resources, Board Admin Jennifer Jacobs, SHRM-CP Director of Membership Services Tom Ross, CRIS, CPIA - (217) 321-3013 - jjacobs@iiaofil.org - (217) 321-3003 - tross@iiaofil.org Sr. Vice President/Chief Financial Officer Mark Kuchar Products & Services Administrator Janet White, CISR - (217) 321-3015 - mkuchar@iiaofil.org - (217) 321-3010 - jwhite.indep12@insuremail.net Chief Executive Officer Phil Lackman, IOM Director of Prof. Liability & Ins. Products Carol Wilson, CPIA - (217) 321-3005 - plackman@iiaofil.org - (217) 321-3011 - cwilson.indep12@insuremail.net Central/Southern Marketing Representative Lori Mahorney, CISR Elite - (217) 415-7550 - lmahorney@iiaofil.org

Find us on Social Media

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Independent, Authorized General Agent for

An Independent Licensee of the Blue Shield Association

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insight

june 2022

grinnellmutual.com

C O M PA S S ™

TRUST US TO KEEP OUR EYES ON THE ROAD Our competitive auto product, Grinnell Compass Auto, offers all of Grinnell Mutual’s trusted services plus personalized quotes. We’re here when your customers need us, so they can focus on the road ahead. Trust in Tomorrow.® Contact us today.

AUTO | HOME | FARM | BUSINESS

“Trust in Tomorrow.” and the “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2022.

20 Years and Counting Unlike many other carriers, West Bend believes in the value of long-term relationships. That’s why many of our personal lines underwriters, like Sarah, have worked with their agents for so long. Sarah’s agents trust her knowledge, making it easier for them to do business with West Bend. And that makes the relationships that much stronger.

e INSIGHT -

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

JU N E 20 22

INSIGH T Influencers in the

Wild

Plus

Indust ry Tr en ds T he Tr of Per ansfor matio sonal Lines n

Becoming a BROKER OF CHANGE By Nationwide

In this month’s e-Insight. june 2022

insight

Influencers in the

Wild Part 1

insight

june 2022

NEED A MARKET FOR “TOYS?”

For your clients who work hard and play hard, Big “I” Markets can help you cover a wide range of leisure craft, including: RECREATIONAL VEHICLES MARINE MOTORCYCLES SNOWMOBILES JET SKIS CAMPING TRAILERS Product availability and coverages vary by state.

VISIT WWW.BIGIMARKETS.COM.

June 2020

INSURANCE PROGRAM MANAGERS GROUP CLAIMS MANAGEMENT SERVICES

IN THE WORLD OF INSURANCE, CLAIMS DO HAPPEN. IPMG’s Claims Management Services division (CMS) is that partner. As a full-service claims management company, IPMG CMS accepts the responsibility and expects to be held accountable for the results we achieve on behalf of our clients.

SERVICES AND RESOURCES: » » » »

» » » » » » » » » »

Workers’ compensation claims management Property and liability claims management Auto liability and physical damage claims management Professional liability claims management » Strong emphasis on public entity and long-term care sectors Nurse case management Risk management/loss control Medical bill review Pharmacy benefit management Aggressive litigation management Utilization review Electronic claim reporting with immediate acknowledgment and adjuster assignment 4-hour assigned adjuster contact on every claim Online claim review including adjuster notes and financials Industry leading analytics with national database for benchmarking purposes

INTERNAL QUALITY CONTROL AND COST CONTAINMENT PRACTICES: » Adjuster book of business analysis – to ensure workload does not affect service levels » Closing ration analysis – a monthly review to ensure adjusters are achieving maximum production » Claims diary tracking » Formal litigation handling guidelines and practices » Comprehensive medical bill review – average 59% cost reduction » Pharmacy benefit program – average 35% cost reduction » ISO claims search » Medicare section 111 data reporting and compliance

For more information please contact:

insight

MIKE CASTRO

BOB SPRING

Sr. VP, Claims Management Services Mike.Castro@ipmg.com 630.485.5895

VP, New Business Development Bob.Spring@ipmg.com 630.485.5885 june 2022

38,000

Over 38,000 individuals were killed in vehicle crashes in 2022

7.2%

more fatal crashes in 2022 vs. 2019, the highest death toll since 2007

more crashes took place in the first six months of 2021 alone

Increasing accident costs

• An estimated 80,000 auto technicians will need to enter the field by 2024 to keep up with industry demand. • Prolonged repair times may also extend auto claims and associated costs. • Renting and replacing vehicles has also become a challenge due to the overall vehicle shortage, with 7.7 million fewer vehicles being produced in 2021 because of supply chain complications. • Industry experts predict that these shortages could press on into 2022, continuing to impact the auto insurance market.

Accidents that lead to fatalities also often involve severe injuries.

Moving forward

• Such injuries influence overall medical bills and claim costs by way of complex procedures (e.g., surgery), advanced treatment plans and extended recovery times.

You can help your clients navigate their insurance needs by helping them understand the marketplace and offering ways to help them save. Consider talking to your clients about these options at each renewal.

Vehicles are more expensive to repair • Advancing vehicle technology features - including blindspot sensors, backup cameras, lane detection technology and internet enabled features - keep us safer, but repairs cost more. Vehicles equipped with driver assistance systems can cost twice as much to repair as those that aren’t. • A shortage of skilled auto repair workers, supply chain disruptions for vital auto parts (e.g., car chips) and shipping delays have extended the average vehicle repair time to 15.2 days - nearly three days longer than last year’s average.

This article originally appeared on the Nationwide blog at https://agentblog.nationwide.com/market-trends/emergingtrends/helping-your-personal-lines-clients-navigate-homeand-auto-trends/. Jeff Rommel is Senior Vice President of Nationwide Property & Casualty Sales and Distribution. He was appointed to this position in September of 2019. Prior to this role, he served as Senior Vice President of Property & Casualty Staff Sales. For additional information on Jeff, go to https://agentblog.nationwide.com/authors/jeff-rommel/.

Filling them up now so they won’t be hungry later.

Small detail. Big difference. You know as well as anyone that today’s cut corner can easily turn into tomorrow’s missing piece. With our forty years of experience in specialized coverage and policies developed alongside actual restaurant and bar owners, you can rest assured that your policyholders are protected against the unique risks they face every day. If you agree that details like these make a big difference, give us a call at 1-888-5-SOCIETY or visit societyinsurance.com.

june 2022

insight

INSIGHT | associate news Thank you to our Associate Members.

Diamond Level

Platinum Level

Progressive Surplus Line Association of Illinois

Gold Level AAA Insurance Arlington/Roe BlueCross/Blue Shield of IL Grinnell Mutual Reinsurance Company Keystone Insurance Group, Inc. Pekin Insurance

Silver Level Imperial PFS IMT Insurance West Bend Mutual Insurance Co.

Bronze Level A. J. Wayne & Associates AMERISAFE AmTrust North America Auto-Owners Insurance Co. Badger Mutual Insurance Company Berkshire Hathaway Guard Insurance Companies BluSky Restoration Contractors Chubb ClickVSC Columbia Insurance Group Continental Western Group Cowbell Cyber CRC Group CRDN of Chicago (formerly Restoronics) Donald Gaddis Company, Inc. Donegal Insurance Group EMC Insurance Encova Insurance Forreston Mutual Insurance Company Frankenmuth Insurance Grange Insurance Homeowners of America Insurance Company Illinois Mine Subsidence Ins. Fund Illinois Public Risk Fund Indiana Farmers Insurance Insurance Program Managers Group 28

insight

J M Wilson Liberty Mutual/Safeco Insurance Madison Mutual Insurance Company Marble Box Marsh, Berry & Company Maximum Independent Brokerage, LLC Mercury Insurance Group Midwest Insurance Company Nationwide Pouch Insurance Previsor Insurance & Missouri Employers Mutual PuroClean Emergency Restoration Services Rockford Mutual Insurance Company RT Specialty - Naperville Sensa, Inc. ServiceMaster DSI Society Insurance Specialty Risk of America Synergy Select The McGowan Companies Travelers UFG Insurance Utica National Insurance Group W. A. Schickedanz Agency, Inc./Interstate Risk Placement Western National Insurance Westfield june 2022

associate news | INSIGHT Jim Sadler Retires from Rockford Mutual After 30 Plus Years of Service ekin Insurance Claims Department Earns High Marks From Industry Associations

Jim Sadler, Business Analyst, has retired from Rockford Mutual after 30 plus years of service. He joined RMIC in 1991 and he has made a significant impact on many of IT’s successes over the years. “The company has always had quality associates. You would not expect such growth during a pandemic, but in a weekend - we became a company connected solely through technology,” said Jim Sadler, “You can rest assured RMIC will continue to ascend to new heights. The people are amazing, warm, friendly, and live to deliver this product. I will truly miss being a part of this group.” Jim has been a great help and resource to both internal and external customers at Rockford Mutual. We wish him a very happy retirement after 30+ years of service and dedication to our organization.

SECURA Insurance promotes Garth Wicinsky to President & CEO

He became Chief Operating Officer on Jan. 3, 2022, and transitioned to the role of President & CEO on April 26, 2022. With the transition, he also joins the SECURA Board of Directors. Wicinsky earned a bachelor’s degree in business administration from the University of Wisconsin– La Crosse and an MBA from the University of Wisconsin– Oshkosh. He takes the lead of a company that is well-known by its agents and policyholders for genuine people and exceptional service. The carrier is rated A (Excellent) by A.M. Best, and is a Ward’s Top 50 company and certified Great Place to Work. “I’m excited and humbled to take on this opportunity to lead the organization,” said Garth Wicinsky, SECURA President & CEO. “I’ve been blessed to have a 25+ year career with SECURA, and I’m committed to maintaining our incredible culture, agency relationships, and dedication to our policyholders and community.” Retiring leader Dave Gross will serve as CEO Emeritus and Senior Executive Advisor until his retirement in September 2022. In this role, Gross will support Wicinsky to continue the success of SECURA. Gross will also continue to serve on the SECURA Board of Directors until the end of his board term in April 2023.

Garth Wicinsky was promoted to President & CEO of SECURA Insurance, a property/casualty insurance company based in Neenah, Wis. He steps into the role as only the sixth leader in the company’s 122-year history. Wicinsky was selected by SECURA’s Board of Directors in November 2021 when previous President & CEO Dave Gross announced his upcoming retirement. “Garth’s strategic mindset, focus on talent development and associate engagement, and drive to achieve results position him well to continue leading SECURA forward,” said Dan Neufelder, SECURA Board Chair. “He’s lived the genuine culture for 25 years, and his passion for perpetuating that workplace engagement and outstanding service to our customers will lead to another exceptional chapter at SECURA.” Wicinsky joined SECURA’s Human Resources division in 1996 and was promoted to Vice President–Human Resources in 2002, responsible for talent management, compensation and benefits, learning and development, facilities, purchasing, and distribution. With his promotion to SVP and Chief Administrative Officer in 2017, in addition to his HR leadership function, he also oversaw Marketing, Research & Development, and Agency Training. Throughout his time at SECURA, Wicinsky has focused on making the company an exceptional employer with high engagement and developing programs to build leadership talent so the company can best serve its customers. His drive for results and servant leadership style have empowered associates, and fostered a transparent, collaborative culture.

june 2022

insight

“I love playing guessing games about appetite.” SAID NO AGENT EVER. UFG Insurance has dished up a buffet of small businesses we’re hungry to write online, because we know agents have better things to do than guess about our appetite.

Simple solutions for complex times

Wonder less and bind more with help from appetite guides that focus on profitable business to diversify portfolios, creating more opportunities for our agents to grow. On the table right now are some retailers, offices, distributors and more. A clear picture of appetite. A strong and stable market for your business. Think UFG for your next small business risk.

In March, the IIA of IL highlighted the achievements of women in insurance. The following is one of the submissions we received. Check back next month for more. If you would like to see your agency highlighted in a future issue of Insight, fill out the short submission form at www.iiaofil.org/Agency-Spotlight-Submission.

Linda Carlton-Huber

Loman-Ray Insurance Group, LLC - Monticello We would like to hear more about your time in the industry. Why did you choose insurance and when did you begin?

I did not choose insurance; I think it chose me. I was looking for a clerical or banking job when I moved to a new town. I was interviewing at an insurance agency and the owner/agent sold me! He was very smooth and convinced me I would be great at sales. I truly love this man and thank him for his wisdom in leading me down my path. I began insurance in 1984 selling personal lines. It was with Continental Insurance and they had a true package policy which was unique back then. I continued to sell personal lines but felt there was no growth for ownership at this agency. I was attending a company event when another agency owner approached me to join his agency and have the opportunity to buy ownership. I jumped and landed at CF&H in 1991. I continued to grow, learn insurance inside and out, and became the sole agency owner. In 2021, I joined Loman Ray Insurance Group, LLC which turned out to be another great move. I became the Chief Operating Officer of their 14 locations and more than 70 employees. And still to this day, there is something you learn every day in the insurance industry world.

Are there any unique professional struggles you’ve had as a woman in insurance, both in the past, and currently?

When I started in insurance, I would go to meetings and would definitely be the minority. One Pekin event I was the only woman at the “Top 100 agents” meeting. That was a very odd but rewarding feeling. I am glad to see many women are joining the industry especially as producers. Over the last year, I have hired 3 energetic young ladies that I know will be successful. I know they are busy juggling their families and selling insurance at the same time. Being a woman producer is hard work, but there are times I think it does help open the door and others it does june 2022

not. It takes time to build confidence both in yourself and show that confidence to others. Probably one of the biggest struggles was selling crop insurance and farm insurance as a woman. I think I turned that corner once I married a farmer and helped in the field driving a tractor.

What advice would you give to the next generation of female insurance professionals?

The young sales ladies at Loman Ray Insurance Group truly amaze me. You must be organized and believe in yourself. I feel women can juggle life as it is thrown at them which helps them succeed. Again, you need to be confident in what you sell, have the knowledge, and can back up that knowledge as you sell. Don’t be scared, take chances, and bet on yourself.

Tell us what the future holds for you.

If you would have asked me about my future 6 months ago, I would have told you something different. Today my job has grown, and I truly enjoy it. I still love sales! Making that sale is a feeling like no other. I am not sure that ever changes with a salesperson no matter what you are selling. I am now able to travel between offices and share my knowledge of everything from CSR office flow to working with these young salespeople on product and selling. I love to go out on appointments with the new salespeople. The energy they have is so inviting and it makes the job fun.

What do you think the future of the industry will look like?

Sometimes I worry that things will change so much and become a box store when buying insurance. Then as soon as I sit down with a business owner or even a couple to discuss insurance, I realize that insurance professionals are needed. There is no replacing the vast knowledge that we have with on-line shopping. As a professional group, we need to relay that information to everyone. We don’t sell insurance, we are advisors to secure their future with their family or in the community. insight

INSIGHT | agency members in the news PAR Insurance Agency Named Rockford Mutual 2021 Agency of the Year

TW Group Receives Local Business of the Year Award

Rockford Mutual Insurance Company (RMIC) places very high value in their independent agency force because they believe insurance is more than a policy, it’s a promise. Independent agents are at the forefront of not only providing their policyholders with adequate coverage, but also being there for them during a time of need.

TW Group in Westmont were the recipients of the Dick Busse Business of the Year Award. The award recognizes a business that has excelled in community service, business promotion, civic responsibility, and contributions to the betterment of Westmont. Tom Walsh and TW Group have provided incredible financial and volunteer support to People’s Resource Center (PRC) for many years, including the May 29 Race to the Flag 5K and their Charity Craft Beer Fest returning to Ty Warner Park September 10 benefiting PRC and Wellness House. PRC has been bringing neighbors together to respond to hunger and poverty in DuPage County.

PAR Insurance Agency was founded in 1991 by President & CEO, Keith Rademacher. The agency became a family business in 2003 when his son, Bill Rademacher, CIC, was hired as a producer for the agency. Nicole Gear joined the team in 2008 and now acts as a licensed agency manager for PAR. Together, Keith, Bill and Nicole provide worldclass protection for Auto, Home, Health, Business, and Life Insurance. PAR Insurance Agency builds the trust that separates them from the competition.

Congratulations to everyone at the TW Group!

Evans Insurance Agency Celebrates 70 Years in Business

Rockford Mutual has been partnered with PAR Insurance Agency for 5 years. In this seemingly short period of time, Keith and his staff have achieved tremendous growth with Rockford Mutual in addition to maintaining very satisfactory loss ratios.

Evans Insurance Agency, located in Glen Ellyn, IL, is celebrating 70 years in business. Established in 1952 by the late Gladys Evans, the company continues as a 3rd generation, full service insurance agency. Currently, Evans Insurance serves the needs of several individuals & families and the insurance needs of hundreds of business concerns in northern Illinois.

“We only represent superior insurance companies that have our back and Rockford Mutual is definitely one of them” said Keith, “It is refreshing to know that RMIC is an insurance company that you can talk to that will listen and not only is that important in this business, it’s a rarity”.

The primary goal of Evans Insurance Agency has always been to be honest and fair in all dealings, to be interested in people and their needs, and to treat the clients’ needs as it they were their own.

Congratulations to the team at PAR Insurance!

Congratulations to Evans Insurance Agency!

iia of il

October 4-6

Crowne Plaza, Springfield

2022

Plu

re! mo ch

Industry Related Hot Topics

Cyber, Phishing & More

Legislative & Regulatory Update

Agency Operations/ Procedures

Technology Solutions to Increase Efficiency

us s

E&O/ Ethics

Sales

Premium Fund Trust Accounts & Rebating Regulations

Inc

lud

ing

...

Education for Everyone in the Agency!

Wednesday General Session features Steve Anderson with Catalyit who will be reviewing the Evolution of Insurance with several key panelists from the industry. Learn from other “thought leaders” and “problem solvers” like yourself on how they have faced challenges in the areas of Hiring, Creating a Culture, DEI, Efficiencies, Implementing Technology and more. Thursday morning features an Industry & Election Forecast….Association Resources, Industry Insights & Election Analysis – with Amy Walter, Popular On-Air Political Analyst; Hannah Meisel, NPR State Government and Political Editor; and Dana Popish Severinghaus, Department of Insurance Director.

ILConvention.com

iia of il news | INSIGHT

Education Classes june

1 2 6 7 8 9 15 15 16 21 22 23 23 30

E&O Roadmap to Personal Auto Webinar CISR-Insuring Personal Auto Exposures Virtual AND In-Person (Springfield) E&O-Roadmap to Homeowners Endorsements Webinar Pre-Licensing-Property & Casualty Virtual E&O Roadmap To Cyber & Privacy Insurance Webinar CISR-Insuring Personal Residential Propert Virutal Class CIC-Inurance Company Operations Virtual Class E&O:Identity Theft, Red Flags, and Money Laundering Webinar Agent’s E&O: Duties, Best Practices, Operations, Webinar Pre-Licensing-Life & Health Virtual E&O - Roadmap to Policy Analysis Webinar CISR-Life & Health Essentials Virtual Class Flood Insurance, FEMA, and the NFIP Webinar Why Good People Do Bad Things: Agency Ethics Webinar

New Members

july

6 6 7 11 12 13 13 19 21 21 25 27 28

Pre-Licensing-Property & Casualty Virtual Ethics: Essentials for the Insurance Producer Webinar Agent’s E&O: Defenses and Preventions Webinar E&O Roadmap to Personal Auto & Umbrella Ins Webinar CISR-Agency Operations Virtual Class CIC - JK Ruble Seminar Elk Grove Village

son! In Per

E&O Roadmap To Cyber & Privacy Insurance Webinar Pre-Licensing-Life & Health Virtual CISR-Personal Lines Miscellaneous Virtual Class E&O-Roadmap to Homeowners Endorsements & PIM Webinar E&O:Identity Theft, Red Flags, and Money Laundering Webinar E&O - Roadmap to Policy Analysis Webinar CISR-Commercial Casualty 1 Virtual AND In-Person (Springfield)

son In Petrual! or Vir

member agency Griffith Insurance Effingham, IL Reising Insurance Oregon, IL

Farm Agents Council

STARS Insurance Deerfield, IL

Golf Outing & Annual Meeting

Truska Insurance Agency, Inc. Chicago, IL For information regarding IIA of IL membership or company sponsorship, contact Tom Ross, Director of Membership Services, at (217) 321-3003, tross@iiaofil.org. june 2022

a division of the Independent Insurance Agents of Illinois

June 16-17 DoubleTree Hotel & Prairie Vista Golf Course Bloomington, IL ILFarmAgents.com insight

INSIGHT | classifieds for the insurance professional by the insurance professional

INDEPENDENT INSURANCE AGENCIES WANTED

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! We’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.

17. We are an Independent family-owned agency located in the Chicago area. We are looking to expand through growth and acquisition. If you have a small to medium sized agency and are looking to sell, call or send us a message. We are looking for Personal and Commercial Lines accounts with preferred companies. We look forward to hearing from you.

GALO Insurance Agency, Inc (847) 832-0888 steve@galoagency.com

Dan Browne will provide an agency evaluation/appraisal at little cost to you. Please call:

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:

Dan Browne or Cathy Hall Forest Insurance (708) 383-9000 www.forestinsured.com/mergers-acquisitions

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.

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

Visit www.ciagonline.com for contact information.

We Make Hiring Easier

CareerPlug’s hiring software helps agents attract more qualified candidates, identify the right candidates with confidence, and improve hiring results. CareerPlug will provide IIA of IL members access to a free account that can be used to post jobs, manage applicants, and improve the organizations’ employment brand. Association members can also access a “Pro” version of CareerPlug for a special rate to take hiring to the next level.

Learn more about CareerPlug and check out the brand new IIA of IL job board at

www.iiaofil.org

insight

june 2022

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Rated A+ by both AM Best1 and Standard & Poor’s2 with a 20-year track record of beating the industry by more than double the growth and a full eight points on the combined ratio. 1

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It Pays To Get A Quote From Applied.® Learn more at auw.com/MoreToLove or call sales (877) 234-4450 ©2022 Applied Underwriters, Inc. Rated A (Excellent) by AM Best. Insurance plans protected U.S. Patent No. 7,908,157.