e-Insight - May 2020 - Non-Member

MAY 2020

INSIGHT The

CUSTOMER EXPERIENCE Lifecycle Cultivate the Customer Experience Your Clients Want

WE BELIEVE THAT ORGANIZATIONS THRIVE WHEN THEY HAVE

HAPPY, HEALTHY, PRODUCTIVE EMPLOYEES That’s why we developed In-Sight 360 to manage all health, injury and absence events with one team focused on positive outcomes.

THIS CHANGES EVERYTHING.

LEARN MORE: 888-377-5845 • IPMG.COM/IN-SIGHT

Editor & Graphic Design - Rachel Romines

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Advertising - Tami Hubbell

CONTENTS

May 2020

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14

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11 13 14

The Only Message Customers Want From You

By John Graham

Simple Steps to Take to Prepare Yourself, Your Staff and Your Customers

By Utica National

Changes in the Customer Experience: Two Different Agencies, Two Different Experiences, One Goal

By Bill Durkin and Allyson Padilla

18 20 24 27 29

Hands-Off, But Yet Hands-On

By Ron Berg

Cultivate the Customer Experience Your Clients Want

By Agents Council For Technology (ACT)

What Businesses and Salespeople Should Do in the Current Environment

By John Chapin

Is Your Website Doing More Harm Than Good?

By SwissRe Corporate Solutions

Is the Coronavirus Causing a Change in Your Clients’ Exposures?

By Curtis Pearsall

In This Issue

7 9 17 The Independent Insurance Agents of Illinois (IIA of IL) has been providing members with a sustainable competitive advantage since 1899.

Trusted Choice Government

e-Insight

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Associate News IIA of IL News Board of Directors Profiles Classifieds

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

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

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

Chairman of the Board | Patrick Muldowney (312) 595-7192 | patrick.muldowney@alliant.com

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AMERISAFE

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

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APPLIED UNDERWRITERS

President-Elect | George Daly (708) 845-3311 | george.daly@thehortongroup.com

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BERKSHIRE HATHAWAY GUARD INS. GROUP

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CIRCLES CONCIERGE SERVICE

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EMC INSURANCE COMPANIES

Vice President | Jay Peterson, AFIS, LUTCF (217) 935-6605 | jay@peterson.insurance Secretary/Treasurer | Bennie Jones (312) 960-6206 | bjones@rmsoa.com IIABA National Director Gregory A. Sandrock, CIC, AFIS (815) 438-3923 | gregsandrock@2cornerstone.com

Regional Directors Region 1 | Lisa Lukens (618) 942-2556 | salibainsurance@gmail.com Region 2 | Joseph Heneghan (618) 639-2244 | joe.heneghan@hwcrins.com Region 3 | Christopher Leming (217) 321-3185 | cleming@troxellins.com Region 4 | Bart Hartauer, CIC (815) 223-1795 | hartauer@hartauer.com

28 5 16 2

EPAYPOLICY GRINNELL MUTUAL REINSURANCE COMPANY IMT INSURANCE INSURANCE PROGRAM MANAGERS GROUP

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JM WILSON

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SECURA

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TRUSTED CHOICE WEST BEND MUTUAL INSURANCE CO.

Region 5 | Nick Gunn, CIC (309) 691-1300 | nickgunn@nixonagency.com Region 6 | Thomas Evans, Jr. (779) 220-6564 | tevans@crumhalsted.com Region 7 | Neidra Crosby, CPIA, CISR (708) 597-8731 | ncrosby@insxchg.com Region 8 | Andrew Allan (773) 891-8000 | aallan@lakeviewins.com Region 9 | Ed Boltz, JD (630) 443-7300 | eboltz@crumhalsted.com Region 10 | Christopher Bassler, CLCS (847) 480-0800 | cbassler@basslerins.com At-Large Director | William Durkin (312) 629-0725 | durkinb@danielandhenry.com At-Large Director | Michael-Charles Hilson (708) 333-3378 | mhilson@gbgins.com At-Large Director | Ryan Hite (309) 688-7316 | ryan.hite@eaglerockins.com At-Large Director | Patrick Taphorn, CIC, CSRM (309) 347-2177 | ptaphorn@unland.com

Committee Chairs Budget & Finance | Bennie Jones (312) 960-6200 | bjones@rmsoa.com Education | Teresa Fleming, CIC, CISR (815) 849-5219 | tess@leffelmanassoc.com Farm Agents Council | Randy Jacobs (309) 365-3231 | rjacobs@mtco.com Government Relations | Kevin Lesch (630) 830-3232 | klesch@arachasgroup.com IIAPAC | Dustin Peterson (217) 935-6605 | dustin@peterson.insurance

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 - (217) 321-3006 - bgerger@iiaofil.org

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

Accounting & Admin Services Tami Hubbell - (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 - (217) 321-3013 - jjacobs@iiaofil.org

Director of Membership Services Tom Ross, CRIS, CPIA - (217) 321-3003 - tross@iiaofil.org

Sr. Vice President/Chief Financial Officer Mark Kuchar - (217) 321-3015 - mkuchar@iiaofil.org

Products & Services Administrator Janet White, CISR - (217) 321-3010 - jwhite.indep12@insuremail.net

Chief Executive Officer Phil Lackman - (217) 321-3005 - plackman@iiaofil.org

Director of Prof. Liability & Ins. Products Carol Wilson, CPIA - (217) 321-3011 - cwilson.indep12@insuremail.net

Central/Southern Marketing Representative Lori Mahorney - (217) 415-7550 - lmahorney@iiaofil.org

Planning & Coordination | Cindy K. Jackman, CIC, CISR (800) 878-9891 x8745 | cjackman@arlingtonroe.com Young Agents | Allyson Padilla (618) 393-2195 | allyson@blanksinsurance.com

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TRUST US TO BE THERE WHEN YOUR CUSTOMERS NEED US We offer multiple lines of coverage, dedicated underwriters, and unmatched claims service. Add in 110 years of building trusted relationships and you can rest assured that we’ll be there with the coverages you need to protect every customer’s tomorrow.

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grinnellmutual.com “Trust in Tomorrow.” and “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2020.

AS AN INDEPENDENT AGENT YOU ARE A TRUSTED MEMBER OF YOUR COMMUNITY. Trusted Choice® will provide the tools, training and marketing materials for your agency to excel.

We do the work, so you can focus more on your clients.

Go to trustedchoice.com/agents to access content today!

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NEW: Coronavirus Resource Page for Clients As many of your clients look for answers to support their businesses in this difficult time, Trusted ChoiceŽ and the Big “I" created a landing page that contains resources you can share with them directly. Easy to navigate and featuring articles written in plain English geared toward any small business, this page can be linked directly from any individual independent agency's homepage.

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government | INSIGHT

PAC Donations: Investing in Your Future

By Evan Manning

These are truly trying times for all. Now more than ever before policyholders are relying on you, the insurance professional, to navigate these unchartered waters. Many clients are relying on you to understand and review their policies as well as deciphering state and national issues.

You are their most trusted advisor.

During this time, when clients need you the most, can you imagine not being considered an “essential employee”?

Are you fielding questions about state and federal action?

Did you know that you have state and federal information and resources tailored to the insurance industry and how it potentially affects you and/or your policyholders?

The IIA of IL and our national association, the Big “I”, are working tirelessly for you and your policyholders.

Collectively, the IIA of IL and Big “I” have been providing the most up-to-date and relevant information and resources regarding COVID-19 and how it affects the insurance industry. These resources are available to IIA of IL members on our respective websites at iiaofil.org and iiaba.net. I want to take the time to share with you some highlights of our collective efforts.

At the state level, the IIA of IL lobbied the Governor and the Department of Insurance to include insurance agencies and employees as “essential services”. Recently, the Illinois Worker’s Compensation Commission (IWCC) extended their authority by issuing an emergency ruling that provided first responders, front-line workers, and all essential business employees who contracted the COVID-19 virus are “rebuttably presumed” to have contracted the virus from their employment. The IIA of IL stepped up to assist in litigation fees for the Illinois Manufacturers’ Association (IMA) and the Illinois Retail Merchants Association (IRMA) in their suit against the IWCC. To be clear, the suit is centered on the IWCC’s rulemaking authority, not the intent of the rule, to expand the existing law without being approved by the General Assembly and signed into law by the Governor.

In response to the IWCC ruling, the IIA of IL lobbied the Director of the Illinois Department of Insurance to make a request to the National Council on Compensation Insurance (NCCI) to issue a rule that any workers’ compensation claim stemming from the COVID-19 virus will not negatively impact an employer’s experience mod.

The NCCI responded to this request and the Department of Insurance has indicated their intention to adopt the ruling.

IIA of IL has been interviewed by local media outlets to educate the public on insurance issues including business interruption coverage. We also participated and facilitated in a Facebook Live Event with the Chairmen of the Illinois House and Senate Insurance Committees.

On the national level, our government affairs team at the Big “I” have worked closely with Congress on the CARES ACT, Paycheck Protection Program (PPP), and the COVID-19 Business and Community Continuity and Recovery Fund. Honestly, I can’t even begin to list all of their accomplishments. The information, resources, and webinars on all of the national issues is second to none and is available to all members of the IIA of IL. I could not be prouder of all of the work and effort our team at the IIA may 2020

of IL and our national association is doing to disseminate information to us so that we can get it out to legislators, our clients, communities, and our employees.

However, we are now facing one of the biggest threats the insurance industry has ever encountered. Legislators in Washington D.C. and Illinois are considering legislation to provide retroactive business interruption insurance coverage to businesses and forcing carriers to pay claims for something that was never priced and for which a premium was never collected. According to industry estimates, a haphazard response such as this would cost between $255-$431 billion in claims per month. Essentially our industry would become insolvent in three months, and our nation’s small businesses would be left without a critical form of protection. Two bills have been introduced in the U.S. House of Representatives to do exactly this.

While there has not yet been legislation introduced in Illinois, we strongly believe it will be introduced as soon as the General Assembly reconvenes.

As a leader of the insurance industry in Illinois, you know first-hand the importance government and political action plays in the insurance system. Through the Independent Insurance Agents Political Action Committee (IIAPAC), our state-based political action committee, and InsurPAC, our national political action committee, you have the opportunity to play a significant role in the process as we face issues such as retroactive business interruption coverage being considered both on the state and national level. By contributing to IIAPAC and InsurPAC you allow your government relations leaders to be a player in public policymaking around this issue and many more. IIAPAC and InsurPAC funds are utilized to facilitate and establish a close relationship with legislators on both sides of the aisle. We use these funds to support campaigns, fundraisers and events for key legislators that impact your business. If you have already contributed to the IIAPAC and InsurPAC this year, I want to extend my sincerest gratitude and appreciation for your contribution. However, we are in need of more support from every agent and every agency.

No contribution is too small, but if you have the means please consider donations of $250, $500, or $1,000 and more to each of our PACs. We are your employees, invest in your workforce! Not only am I challenging you to invest in us, but I want to challenge you to spread the word of our association. If you know an agency that isn’t a member, please reach out and share the value we bring to your agency.

You may not be able to see every legislative or regulatory victory, but I guarantee you that without our combined efforts Illinois and the country would be a much worse place for agents, brokers and our company partners.

Please consider investing in us. An investment in us will yield the greatest ROI you could imagine. To make a contribution to the IIAPAC please visit our website at iiaofil.org and to make a donation to InsurPAC please visit iiaba.net.

Evan Manning is the Director of Government Relations for the IIA of IL and can be reached at emanning@iiaofil.org. insight

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27 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 Kim, have worked with their agents for so long. Her agents know her well and depend on her to work with them to write the best business. And that makes the relationships that much stronger.

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e INSIGHT -

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

M AY 20 20

INSIGH T

T he

CUST EXPEROMER L i fe cy I E N C E cle Cultivat e the

Custom Your C er Experien lients c Want e

The Biggest MISTAKE Agents Make When Nurturing Prospects

By Alicja Grzadkowska, Insurance Business America In this month’s e-Insight. may 2020

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Hands-Off, But Yet Hands-On

By Ron Berg

Provide a GREAT CUSTOMER EXPERIENCE Using the RIGHT DIGITAL TOOLS 18

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may 2020

Taking care of everything from the ordinary to the extraordinary.

ASSIST. INFORM. SUPPORT. If your organization has been directly affected by the worldwide health threat, Circles Concierge can help alleviate some of the difficulties associated with this temporary situation by assisting with:

Information about COVID-19 in the United States Centers for Disease Control and Prevention www.cdc.gov/coronavirus/2019-ncov

Support Alternative Travel Arrangements

Employee

Sourcing office supplies & remote workspace needs

Solutions to extend company culture to a remote workforce

check-ins

Coronavirus advisory information World Health Organization www.who.int/emergencies Coronavirus Q&A World Health Organization www.who.int/news-room

CONTACT US TODAY www.iiaofil.org/circles

Shannon Churchill, IIA of IL schurchill@iiaofil.org | (217) 321-3004 26

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may 2020

IIA of IL members receive a FREE month!

Go to tinyurl.com/ePayPolicy to get started!

INSIGHT | associate news Thank you to our Associate Members.

Diamond Level Members

Platinum Level

Progressive Surplus Line Association of Illinois

Gold Level AAA Insurance Arlington/Roe

Silver Level Grinnell Mutual Reinsurance Company Imperial PFS IMT Insurance

Nationwide West Bend Mutual Insurance Co.

Bronze Level A. J. Wayne & Associates AFCO Credit Corporation AMERISAFE AmWINS Brokerage of the Midwest, LLC Auto-Owners Insurance Co. Berkshire Hathaway Guard Insurance Companies Columbia Insurance Group Continental Western Group Donald Gaddis Company, Inc. Donegal Insurance Group Encompass Insurance Encova Insurance Erie Insurance Group Foremost Insurance Group Forreston Mutual Insurance Company Frankenmuth Insurance Grange Insurance Illinois Mine Subsidence Insurance Fund Illinois Public Risk Fund Indiana Farmers Insurance Insurance Program Managers Group J C Restoration J M Wilson Kemper Keystone Insurance Group, Inc. 30

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Liberty Mutual/Safeco Insurance Madison Mutual Insurance Company MarshBerry & Company Maximum Independent Brokerage, LLC Mercury Insurance Group MetLife Auto & Home Midwest Insurance Company miEdge PEOPLE Previsor Insurance ProAg Management Inc RT Specialty - Naperville Selective Insurance Company of America ServiceMaster DSI Society Insurance Specialty Risk of America Transcom General Agency Travelers UIG - The Agent Agency United Fire Group Universal Property & Casualty Utica National Insurance Group W. A. Schickedanz Agency, Inc./Interstate Risk Placement Western National Insurance Westfield may 2020

iia of il news | INSIGHT

Education Classes

Please Note: At press time, all May and June classroom education sessions are being held virtually. View the latest information on the IIA of IL website at www.iiaofil.org.

june

may

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Pre-Licensing Course Property & Casualty Virtual Class CISR-Life and Health Essentials Virtual Class Pre-Licensing Course Life & Health Virtual Class CIC-Commercial Property Virtual Class E&O Roadmap to Personal Auto Webinar E&O Roadmap To HO Endorsements Webinar Ethics and E&O Webinar Pre-Licensing Course Property & Casualty Virtual Class CISR-Commercial Casualty 2 Virtual class Ethical Dilemmas Webinar CISR-Agency Operations Virtual Class E&O: Commercial Liability Coverage Gaps Webinar E&O: Roadmap to Homeowners Insurance Webinar Pre-Licensing Course Life & Health Virtual Class E&O Roadmap To Policy Anaylsis Webinar E&O Risk Management Webinar Agents E&O Webinar

8 9 10 10 16 16 17 17 17 18 18 22 23 23 24 24 25

Pre-Licensing Course Property & Casualty TBD E&O Roadmap To HO Endorsements Webinar Pre-Licensing Course Life & Health TBD CIC-Commericial Casualty Virtual Class CISR-Commercial Casualty 2 Virtual Class E&O: Roadmap to Pers. Auto & Umbrella Webinar Ethics and Agent Liability Webinar Culture, Ethics, and E&O Webinar E&O Roadmap To Policy Anaylsis Webinar Agents E&O Webinar CISR-Commercial Casualty 2 Virtual Class E&O Roadmap to Personal Auto & Umbrella Webinar Pre-Licensing Course Property & Casualty TBD E&O Risk Management Webinar E&O: Commercial Property Coverage Gaps Webinar Flood Insurance and the NFIP Webinar CISR-Personal Residential Virtual Class

New Members member agencies Campbell Insurance Group, LLC Marion, IL may 2020

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Board of Directors Pro

Thomas Evans, Jr. Region 6 Director

Crum-Halsted Agency, Inc., Crystal Lake, IL Sales Number of Years with Agency: 1 Year You Started in Insurance: 1996 Education: Brother Rice High school, Graduated Northern Illinois University with a BS Criminal Justice in 1996 Current or Past Civic, Political, or Community Service Activities: Former DuPage IIA President and board member. Also, served as IIA Region 9 Director for 6 years. Named 2014 IIA of IL Young Agent of the Year.

What do you feel are major challenges facing our Association today?

I believe the biggest challenge is the big Agencies/Equity houses buying up the Independent Agencies.

What suggestions do you have to respond to these challenges?

Promote.

What has been the most rewarding, for you personally, about your services on the board?

The opportunity to work with the IIA board and IIA team.

Phil, Rachel, Shannon, Tom and the rest of the IIA staff really go out of their way to work for the Agents.

What do you see at the greatest benefit to IIA of IL membership?

The opportunity to work with your industry peers while working alongside the IIA staff to protect and grow the Independent insurance channel.

What advice do you have to share with someone considering a volunteer position with the IIA of IL? Do it. Not only is it a rewarding experience professionally, the friendships you make with your fellow agents and IIA staff alone is worth it.

What prompted you to get involved with the Association?

Tom Ross and Tom Walsh

Dustin Peterson

Government Relations Committee Vice-Chair and IIAPAC Chair Peterson Insurance Services, Inc., Clinton, IL Risk Manager Number of Years with Agency: 16 Year You Started in Insurance: 2003 Education: Northern Illinois University College of Business, graduated 2003 Licensed Realtor since 2004 Current or Past Civic, Political, or Community Service Activities: Just recently re-elected to my fourth term (2-year terms) as Chairman of the County Republican Organization. Have worked/volunteered on many past campaigns for various state and Federal Republican campaigns. Serve on the local YMCA board of directors. Past President Clinton Country Club.

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What do you feel are major challenges facing our Association today?

A few challenges but some of the top ones I see is an aging Agency force of owners/producers. Another is utilizing/ engaging the value of technology in the independent agency platform, there is lots of room for agencies to move forward in this arena but can be daunting where to begin.

What suggestions do you have to respond to these challenges?

Continued focus and growth through the young agent channel selling the perks of a career in insurance with an emphasis on the advantages long term of being independent versus a captive agent. With technology connecting agency principals with their peers they know/ trust who have made some advancements on the tech front. Agents want to hear the real truth both positive and negative in making changes in their own agency.

may 2020

rofiles

Andrew Allan, CIC, AAI Region 8 Director

Lakeview Insurance Agency, Inc., Chicago, IL Commercial Lines Manager Number of Years with Agency: 4 Year You Started in Insurance: 2009 Education: Bachelor of Science in Business Administration from the University of Central Florida. Degree in Finance and Degree in Marketing Current or Past Civic, Political, or Community Service Activities: - Chicagoland IIA Chapter, President - Mid-American Club, Young Executive Board Member - University of Central Florida Chicago Alumni Chapter, Past President - Chicago Animal Care and Control, Adoption & Dog Walking Volunteer What do you feel are major challenges facing our Association today?

Keeping current active members engaged while encouraging non-active members to understand the value of participation.

What do you see at the greatest benefit to IIA of IL membership?

Knowing I can go the association for knowledge and resources, including catching up on government affairs, networking with fellow members, or receiving immediate and relevant industry intel.

What suggestions do you have to respond to these challenges?

Reach out to non-active members to better understand their needs and barriers to participation. Explore alternative events that may appeal to different members. The Master Mind Focus groups is a great program to source this information.

What advice do you have to share with someone considering a volunteer position with the IIA of IL? Volunteering provides an opportunity to give back to an association that is dedicated to serving the needs of independent insurance agencies. It also provides unparalleled professional development. Why wouldn’t you want to volunteer?

What prompted you to get involved with the Association?

I was encouraged to get involved with the Association from a former long-term member, volunteer, IIA advocate, and my mentor, Chuck Stewart.

What do you see at the greatest benefit to IIA of IL membership?

I really have enjoyed the relationships I have made with my peers in different areas of the state. It’s nice to have an outlet to discuss ideas and/or issues you are facing with someone that understands the industry and isn’t going to be your direct competitor.

What advice do you have to share with someone considering a volunteer position with the IIA of IL? Get involved in an area that sparks your interest whether government relations/politics, technology, education, or etc. It is worth it, don’t be afraid of the time commitment, the staff of IIA does a phenomenal job in helping things run smoothly so time is spent on the task at hand.

may 2020

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INSIGHT | classifieds for the insurance professional by the insurance professional

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.

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

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

PERSONAL LINES CSR - PART TIME.

28. Caro Insurance Services, Orland Park, IL is seeking a qualified Personal Lines CSR. The position requires an individual to have insurance - Personal Lines - experience, quoting, processing endorsements, excellent customer service and communication skills. Illinois P&C License is desired. Part-time, approximately 15-20 hours per week; salary $18-21 per hour.

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.

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

Email resume to: bill.ntovas@caroinsurance.com

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Commercial | Personal | Farm-Ag | Specialty

may 2020

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