e-Insight - May 2021 - NonMember by Big I Illinois

MAY 2021

INSIGHT MORE INNOVATIONS

INCREASED CREATIVITY

NEW PERSPECTIVES

INCREASED PROFITS

INCLUSION

BETTER DECISION MAKING

LOW EMPLOYEE TURNOVER

BETTER REPUTATION

Five Things Anyone Can Do to BE MORE INCLUSIVE Content Marketing that Matters Illinois Issues Feasibility Report For Coverage Affordability Initiatives

HIGHER ENGAGEMENT

SUCCESS HIRING RESULTS

PROBLEM SOLVING

Building your book of business. With EMC’s Contractors Program, you can offer clients a full range of insurance products that are built to suit the exact needs of their contracting operations. And with specialized industry coverages, constructing an insurance package that’s as customized as the work they do has never been easier. Now that’s a blueprint for success.

emcins.com/contractors

Editor & Graphic Design - Rachel Romines

May 2021

Advertising - Tami Hubbell

CONTENTS 6 IIA of IL Diversity Scholarship Program

14 18 22

Summary: Illinois Issues Feasibility Report For Coverage Affordability Initiatives

26 28

Five Things Anyone Can Do to Be More Inclusive

Why Hiring Older Workers is Good for Your Business

Workplace Flexibility, the ADA, and Requesting Medical Information

Do Your Proposals Have These?

By Michael Wojcik

Leadering Generationally Diverse Teams

By Alyson Van Hooser

Summary Findings from IIA of IL Diversity, Equity, and Inclusion Survey

By Dr. Lee Nunery

By Raven Solomon

How to Do Diverse and Inclusive Content Marketing That Matters

By Ann Gynn

By Sharon Emek

By Tracie DeFreitas By Curtis Pearsall

In This Issue

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

7 9 10 12

President’s Message Brett’s Two Sense Trusted Choice Industry

21 38 41 42

e-Insight Associate News IIA of IL News 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 • 2020

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.

Board of Directors Executive Committee

Regional Directors

ADVERTISERS 40

AMERISAFE

APPLIED UNDERWRITERS

BERKSHIRE HATHAWAY/GUARD INSURANCE CO

DONEGAL INSURANCE GROUP

EBRM

EMC INSURANCE COMPANIES

GRINNELL MUTUAL REINSURANCE COMPANY

IIA OF IL SOLUTION CENTER

INSURANCE PROGRAM MANAGERS GROUP

JM WILSON

Cover Tip

OMAHA NATIONAL UNDERWRITERS, LLC

SECURA INSURANCE

UNITED FIRE GROUP

WEST BEND MUTUAL INSURANCE CO.

Committee Chairs

IIA of Illinois Staff

Budget & Finance | Bennie Jones (312) 960-6200 | bjones@rmsoa.com

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

Education | Teresa Fleming, CIC, CISR (815) 849-5219 | tess@leffelmanassoc.com

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

Find us on Social Media

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Diversity Scholarship Program To invest in the future of the insurance industry in Illinois and create long-term opportunities for minorities considering a career in insurance, the IIA of IL now offers Diversity & Inclusion Scholarships. Scholarships are awarded to IIA of IL member agencies looking to hire minorities into their agency OR individuals considering a career in the insurance industry. Scholarships will be awarded based on availability of funds. Member agencies with 11+ employees qualify for two scholarships per fiscal year. Member agencies with 10 or less employees qualify for one scholarship per fiscal year. Individuals qualify for one scholarship per year, choosing either Property & Casualty or Life & Health. For the purposes of this Scholarship, a minority is defined as a person in a racial or ethnic minority group historically disadvantaged within the context of the United States, which may include: Black or African American; Hispanic or Latino; Native American; Pacific Islander; or Asian American.

IIA of IL Diversity & Inclusion Scholarship includes: 1. Free P&C OR L&H Illinois Insurance Pre-Licensing class for the new producer/CSR This course prepares the new producer/CSR to take the Illinois State Exam for a Property & Casualty License or Life & Health License. Workbook, online quizzes and flashcards, and access to instructors post-class is included. 2. Reimbursement for the state licensing exam The fee to take the Property & Casualty OR Life & Health state licensing exam and application fees will be reimbursed upon receipt of proof of passing the exam. 3. Initial license fee The license fee will be reimbursed upon receipt of purchase. 4. New Hire Training through New Level Partners/ COMBINATION BUNDLE- Commercial Lines and Personal Lines Coverage Basics Includes 17 Personal Lines Coverage Basics courses and 23 Commercial Coverage Basics courses 5. EDGE Conference registration for two years Conference held in the spring each year.

For more information, go to www.iiaofil.org/diversity ** Scholarship benefits are not transferrable to another individual and may not be used for classes or events outside of the listed benefits.

insight

may 2021

president's message | INSIGHT

IIA of IL Diversity, Equity, and Inclusion Initiatives We are all fortunate to be in an industry that uses our talent and resources to help others. We work with businesses, individuals, and families that are diverse in size, complexity, and many other ways. We diversify our offerings to meet the needs of those specific clients. We truly understand that we must challenge ourselves to find creative and unique solutions to address our customer base. At the same time, our industry has struggled to attract young people to our great business. In various ways, we have adapted and achieved diversity in the solutions we provide clients. However, I would like to challenge everyone today to create a talent acquisition strategy that includes diversity. Yes, we need to attract more young people to our business, and I would love to see everyone include a plan to not only attract young talent but consider adding young, diverse talent. At the IIA of IL, we are initiating a program to help launch those efforts. I have outlined a few initiatives that are being introduced in 2021 to help our members execute a plan to attract more young, diverse talent to our wonderful industry. We will combine the resources of the IIA of IL with your plan and willingness to attract young talent by making it easier to find, hire, and train candidates. Here are the steps we plan to initiate: 1. Recruiting- The IIA of IL will engage and develop a plan with select Illinois colleges for recruiting fairs in the Fall of 2021. In preparation for this recruiting effort, IIA of IL will launch an association job board powered by Career Plug. Association members will have free access to this site and a members-only rate on the Career Plug Hiring platform. The association will conduct outreach to member agencies to promote the job board as a resource and invite agencies that offer internships or are seeking entry-level employees to join IIA of IL and the Young Agents Committee at the recruiting fair. The association will also promote this job board as a resource for students seeking opportunities in the insurance industry.

3. Mentoring - We will be piloting a mentoring program that will include an approach to formally connect ethnic minority or female-owned agencies with successful agencies willing to mentor. They will work together to understand strengths, opportunities, weaknesses, operating style, employee capabilities, carriers, financials, planning, and goal setting. The program will include six monthly consulting sessions with mentor agencies followed by semi-annual reviews and mentoring sessions for the next 18 months. The IIA of IL has launched a Diversity Resource page on the website at www.iiaofil.org. You will find, among other resources, a DEI Resource Guide that includes best practices, reports, websites, books, articles and other media to inform and educate you on the various issues that pertain to DEI. This initiative is truly about finding ways to use our industry’s amazing talent, hearts, and minds to make a difference. Our agencies will benefit as we start executing and creating opportunities, educating, training, and developing the next generation. My hope is that we will look back in ten years at our industry and marvel at a new generation of young talent that we hire today that includes diversity that can continue to create solutions for our clients and true opportunity for this tremendous young talent to flourish in our industry. Please reach out to me with any questions, concerns, or ideas you have for implementing your own plan. I’m happy to have a discussion with you.

2. Scholarships - A scholarship program is now available. Limited to diverse individuals or agencies hiring an unlicensed person that meets the qualifications, the following offerings are included in this program: 1. One free Prelicensing class for the new producer/CSR. 2. Reimbursement for passing test and initial licensing fee. 3. New Hire Training Program through New Level Partners/ COMBINATION BUNDLE- Commercial Lines and Personal Lines Coverage Basics (41 courses) 4. EDGE Conference Access for 2 years

George Daly - IIA of IL President - (708) 845-3311 - george.daly@thehortongroup.com may 2021

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may 2021

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It shouldn’t take a six-by-six barn beam crashing through your customer’s bedroom wall to find out who you can trust.

BUT SOMETIMES IT DOES. And that’s the Silver Lining®.

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

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For more information please contact:

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

e INSIGHT -

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

M AY 20 21

INSIGH T

NEW PECT IVES

PERS

INCREA CREA SED TIVITY

INCREA SED PROF ITS

LOW EMPL OYEE TURN OVER

MOR INNOVA E TIONS

INCL USIO BETTER DECISI ON MAKIN G

BETT REPU ER TATION

Five T BE MOhings Anyon RE INC e LUSIV Can Do to E Content Marke ting th at Mat Illinois ters CoveragIssues Fe e Affor asibility R dabilit y Initiaepor t For tives

SUCC

HIGH ENGA ER GEMEN T

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HIRING RESU LTS

PROB LE SOLV M ING

In this month’s e-Insight. may 2021

insight

What is diversity? The presence of difference.

What is inclusion? Making sure that difference counts.

INCLUSION

SUCCESS

Sexual

Gender

Racial/ Ethnic 22

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Religion

Orientation

Generation/

Age

Socioeconomic

Physical Disability

Education Level

Source: Raven Solomon presentation to Association Forum December, 2020

may 2021

UFG Insurance celebrates 75 years In celebration of our 75th anniversary, we at UFG reflect on all the people who have had a hand in our success over the years. After all, our company was founded on the belief that the insurance business is a people business — and that remains at the heart of who we are today. As we begin our next 75 years, we give our most humble thanks to our independent agents. We owe our success to you. UFG INSURANCE | 118 Second Avenue SE, Cedar Rapids, Iowa 52401 | ufginsurance.com | 800-332-7977 © 2021 United Fire & Casualty Company. All rights reserved.

YOUR CUSTOMERS’ NEEDS OUR RANGE OF OPTIONS We offer your customers a menu of coverage options. From food spoilage loss to cooking equipment protection and more, we’re prepared to serve your restaurant customers. Trust in Tomorrow.® Learn more today. AUTO | HOME | FARM | BUSINESS

grinnellmutual.com “Trust in Tomorrow.” and the “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2021.

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 Blue Cross/Blue Shield of IL Keystone Insurance Group, Inc. Pekin Insurance

Silver Level Grinnell Mutual Reinsurance Company Imperial PFS

IMT Insurance West Bend Mutual Insurance Co.

Bronze Level A. J. Wayne & Associates AMERISAFE Auto-Owners Insurance Co. Badger Mutual Insurance Company Berkshire Hathaway Guard Insurance Companies Columbia Insurance Group Chubb Columbia Insurance Group Continental Western Group CRC Group Donald Gaddis Company, Inc. Donegal Insurance Group EMC Insurance Encompass Insurance Encova Insurance Foremost Insurance Group Forreston Mutual Insurance Company Frankenmuth Insurance Grange Insurance Illinois Mine Subsidence Ins. Fund Illinois Public Risk Fund Indiana Farmers Insurance Insurance Program Managers Group 38

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J C Restoration J M Wilson Kemper Liberty Mutual/Safeco Insurance Madison Mutual Insurance Company Marsh, Berry & Company, Inc. Maximum Independent Brokerage, LLC Mercury Insurance Group MetLife Auto & Home Midwest Insurance Company Nationwide Previsor Insurance RT Specialty - Naperville ServiceMaster DSI Society Insurance Specialty Risk of America Travelers UIG - The Agent Agency United Fire Group W. A. Schickedanz Agency, Inc./Interstate Risk Placement Western National Insurance Westfield may 2021

associate news | INSIGHT J.M. Wilson Acquires Transcom General Agency JM Wilson, a Managing General Agency headquartered in Portage, Michigan with eight offices in the United States, has acquired Wisconsin based Transcom General Agency, effective April 1, 2021. Transcom General Agency was founded in 1995 and has been privately owned for 20+ years. Transcom General Agency provides Transportation and Property & Casualty insurance to independent insurance agents in Wisconsin, Illinois, and Indiana. As part of the acquisition, Michael Knutson and his staff will join the JM Wilson team, offering a seamless transition to Transcom General customers.

The Best Workplaces in Financial Services & Insurance list is based on analysis of survey responses from more than 840,000 current employees at companies across the U.S. In that survey, 96% of SECURA’s employees said SECURA is a great place to work. This number is 37 points higher than the average U.S. company. The Best Workplaces in Financial Services & Insurance list is one in a series of rankings by Great Place to Work and Fortune based on employee feedback from Great Place to Work-Certified organizations. SECURA was also ranked No. 34 on the Fortune Best Small & Medium Workplaces 2020 list.

Founded in 1920, J.M. Wilson is a Managing General Agency and Surplus Lines Broker providing independent insurance agents access to specialty markets. J.M. Wilson can provide coverage for standard and hard-to-place Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal lines and Surety. For more information about J.M. Wilson, call (800) 666-5692 or visit http://www.jmwilson.com.

VanderMaiden Joins J.M. Wilson as Assistant Transportation Underwriter J.M. Wilson is pleased to announce the addition of Kaleb VanderMaiden as Assistant Transportation Underwriter in their Arlington Heights, Illinois office. He is responsible for assisting underwriters with a wide variety of new and renewal commercial transportation accounts, as well as maintaining relationships with carriers and independent insurance agents in Illinois, Iowa, and Nebraska. Prior to joining JM Wilson, Kaleb was a Risk Management Intern for a transportation management company. In May of 2021, Kaleb will graduate from Illinois State University with a bachelor’s degree in Finance.

SECURA Insurance Named on 2021 Best Workplaces in Financial Services & Insurance List

SECURA Insurance was named on the 2021 Best Workplaces in Financial Services & Insurance list by Great Place to Work and Fortune. This is SECURA’s fifth time being named on the list. The company took the No. 11 spot on the list this year. may 2021

2021 JM Wilson CF Insurance Insight.indd 2

insight 39 3/31/21 10:37 AM

Homeowners Insurance

Recognizing that the typical insurance needs of homeowners have changed over the years, our Homeowners products have been designed for all kinds of circumstances. We cover: Single-family homes & multi-family dwellings Condominium units Renters and lessors/landlords Home-sharing services

Browse all of our products at www.guard.com Our Homeowners Insurance is not available in all states. Please refer to www.guard.com/states for state availability.

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SAFETY IS OUR FOCUS.

Among the men and women that keep our world moving are those with calloused hands and hard hats. At AMERISAFE, our duty is to keep these workers protected.

WORKERS’ COMP IS ALL WE DO.

amerisafe.com - 800.897.9719

iia of il news | INSIGHT

Education Classes may

3 4 4 5 12 12 17 18 19 20 25 26 26 27

E&O-Roadmap to HO Endorsements & PIM Webinar Pre-Licensing Course - Property & Casualty Virtual CISR - Life and Health Essentials Virtual E&O Roadmap to Personal Auto & Umbrellas Webinar CISR - Commercial Casualty 2 Virtual E&O Roadmap To Cyber & Privacy Insurance Webinar Pre-Licensing Course - Life & Health Virtual Ethics: Essentials for the Insurance Producer Webinar CIC - Life and Health Virtual E&O - Identity Theft, Red Flags, Money Laundering Webinar Agents E&O Webinar CISR - Agency Operations Virtual E&O - Roadmap to Policy Analysis Webinar E&O Risk Management – Challenge of Change Webinar

New Members member agencies Achieve Agency, Inc. Chicago, IL Bishop Insurance Group, Inc. Carbondale, IL G Triple Three Group DBA M Insurance Services Hillside, IL

june

1 2 8 8 9 9 10 15 16 17 17 17 22 23 23 30

E&O: Identity Theft, Money Laundering Webinar E&O Roadmap to Personal Auto Webinar Pre-Licensing Course - Property & Casualty Virtual Flood Insurance and the NFIP Webinar CISR-Personal Lines miscellaneous Virtual E&O Roadmap To Cyber & Privacy Insurance Webinar E&O-Roadmap to Homeowners Endorsements Webinar The Evolution of Ethics in Insurance Webinar CISR-Commercial Casualty 2 Virtual CISR-Insuring Personal Residential Property Virtual Agents E&O Webinar E&O: Identity Theft, Money Laundering Webinar Pre-Licensing Course - Life & Health Virtual CIC-Commercial Multiline Virtual E&O - Roadmap to Policy Analysis Webinar E&O Risk Management – The Challenge of Change Webinar

North Shore Risk Management, LLC Skokie, 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. may 2021

insight

INSIGHT | 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/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.

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.

AGENCY ANNOUNCEMENT

27. Insurance Brokers Incorporated (IBI) Welcomes GAINSCO as a Carrier Partner Insurance Brokers Incorporated (IBI) is pleased to announce the addition of GAINSCO Auto Insurance as an IBI carrier partner. GAINSCO is a nationally recognized market leader with outstanding service to the specialty auto insurance market. The partnership will provide distribution for GAINSCO Auto Insurance products and will provide increased sales opportunities for IBI agency customers. Please contact us at marketing@GoIBI.com.

Bill Coughlin IBI Insurance Brokers, Inc. (547) 797-9577

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

insight

may 2021

Commercial | Personal | Farm-Ag | Specialty

Tricia B., Personal Lines Underwriter

Tyler S., Specialty Lines Underwriter

Tyler H., Agribusiness Lines

Underwriter

Honest relationships SECURA’s team of insurance experts is making insurance genuine. They are here to support you and your clients. Our underwriting teams are quick to reply, open-minded, and know their stuff. Plus they are backed by our caring claims group who will get your clients back on their feet.

Interested in building a relationship? Contact us at secura.net/IL-agents.

Matthew B., Illinois Sales Manager

Betsy V., Commercial Lines Underwriter

Hear from our experts. Want to learn more about what SECURA has to offer? Scan the QR code or visit secura.net/IL-agents for more information about the SECURA team.

MORE IMAGINATION.

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