PDCM - Building Success for 100 Years by Waterloo-Cedar Falls Courier

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BRANDON POLLOCK / COURIER STAFF PHOTOGRAPHER‌

The new PDCM headquarters at 3022 Airport Blvd., Waterloo.

New headquarters built for client, employee satisfaction CJ HINES newsroom@wcfcourier.com‌

‌When Mac McCausland began working for Vaughan & Pedersen Insurance in 1970, there were four people in the office on Mondays and Fridays. After merging with Brown and Dieckman in 1991 to form PDCM Insurance, that number grew to 22 employees. The employee count now hovers close to 60, with more than half the employees having five or more years experience with PDCM. Growth is always a good thing for

business; it is a sign of success. In February, PDCM moved from twin buildings on University Avenue — totaling 11,000-square-feet — into a single, spacious 18,000-square-foot building on Airport Boulevard. “We didn’t realize how confined we were until we got out here,” said PDCM President and Chief Executive Officer Chris Fereday. “Having everyone under one roof is important. It improves communication and efficiency and provides better chemistry within the teams.” Enhancing corporate spaces for teams

and clients allows for an open, collaborative atmosphere. “We understand when we have a great team, they perform better in that kind of environment,” Fereday explained. PDCM’s new quarters, formerly the United Healthcare call center, features eight conference rooms, a large kitchen and café with a genuine coffeehouse ambiance. The café is dubbed “Lloyd’s Coffee House,” homage to Edward Lloyd’s Coffee House, the precursor to the world-renowned specialist insurance market, Lloyd’s of London.

The facility also houses a Smarter Center. “People can get information from a lot of places, but we pride ourselves on our ability to provide a unique space dedicated to educating and training our team about new innovations,” said John Monaghan, partner and president of Life & Health. “We’ve added media centers, computers and other technologies to best facilitate cutting-edge training. We’ve also added media viewing areas, including Please see HQ, Page 8

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PDCM celebrates 100 years of growth and success CJ HINES newsroom@wcfcourier.com‌

‌In the late 1600s, the early beginnings of insurance were sparked by a stolen horse and the promise of a reward. Edward Lloyd’s Coffee House in London posted a reward for anyone having information about a stolen horse with a “white stripe down the nose and white hind feet.” The coffee house catered to merchants and entrepreneurs. Lloyd saw a lucrative opportunity and provided the venue for people to accept risk in exchange for a premium. “Mariners would write their names on the wall and local people would then write their names under theirs, ‘underwriting’ the risk. It started with voyage, ocean cargo and fire protection; this was the core business of the insurance industry during this time of tremendous growth in the industry,” said Chris Fereday, PDCM president and CEO and partner. By 1730, Lloyd had established Lloyd’s of London in the center of London, which

PDCM mission statement “ … to partner with our clients through implementation of our unique, innovative strategies to reduce risk and protect their financial well-being.”

PHOTOS BY BRANDON POLLOCK / COURIER STAFF PHOTOGRAPHER‌

became the hub for marine underwriting. About the same time, across the pond, Benjamin Franklin wrote a letter to the Philadelphia Gazette, following a huge fire which threatened to destroy the city. His letter provided the impetus for cre-

ating the city’s first firefighting organization. Franklin also created the country’s first fire insurance company, The Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. Insurance coverage continued to

Congratulations PDCM Insurance on celebrating 100 years

www.chubb.com

evolve. The Travelers Insurance Company sold its first accident policy in 1864 and its first auto policy in 1889. Following the Civil War, life insurance sales increased. Prior to the war, only 43 insurance companies existed; post-war, that figure grew to 107. Major life insurance companies also became competitive in the global marketplace. Public confidence in the safety of insurance also helped to catapult the industry. By 1914, 288 more insurance companies were established. By April 1917, as the United States entered into World War I, Please see Growth, Page 4

PDCM

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Growth From 3

all active military personnel received a $4,500 insurance policy in case of death or disability. This year, PDCM celebrates its 100th anniversary with a close look at its own history in the insurance business. In 1916, Herb Vaughan formed

his own insurance company in Waterloo, Iowa, named the Vaughan Insurance Agency. By the 1940s, three other men had formed agencies: Harry Dieckman (1933), Robert A. Brown (1936) and William “Bud” Pedersen (1940s). In 1948, Vaughan and Pedersen merged agencies, forming the Vaughan & Pedersen Insurance Service. Dieckman and Brown also merged companies,

forming Brown and Dieckman Insurance Agency. In 1967, James Clabby became a partner with Brown and Dieckman. Brown died in 1975, and in 1978, Frank Dowie became a partner as Dieckman retired. In 1979, Mac McCausland joined Vaughan & Pedersen, and the agency was renamed Vaughan, Pedersen & McCausland Insurance. A conversation between Dowie and Pedersen at their sons’ basketball games led to a merger between the two agencies in 1991. Pedersen, Dowie, Clabby & McCausland, now known as PDCM, moved to its location on University Avenue in 1992, where it remained until this past February. “It took a while to get the name, but we did three syllables, two syllables, two syllables, three syllables,” said McCausland, PDCM sales and insurance risk manager. “You want something to roll off your tongue. Then obviously over the years it has become PDCM Insurance, where people know it by an acronym more than the corporate name.” Since then, PDCM acquired Independence Insurance Services in the 1990s and Steve Showers Insurance in 2010. The

Employees are continually expanding their skills and expertise through training. company started HRConnect for Human Resource Advisory Services in 2011 and launched its risk management division for OSHA compliance in 2012. In 2013, PDCM acquired Group Benefits Design Corp. This year, PDCM relocated its offices to Airport Boulevard. Fereday said the 100th anniversary and the recent move occurring in the same year was serendipitous. “It wasn’t planned,” he said. “But it provided a great reason to plan events and activities for our clients, employees and the community. Giving back to the community we serve and celebrating our dedicated em-

Delivering positive, long-term results for employers. Dedicated injury prevention pr Specialized claims management Exceptional cost containment To learn more, visit sfmic.com

ployees and loyal clients is very important to PDCM—and is distinctive of our 100-year culture.” Although the insurance industry has evolved over a century, services provided still include home, auto health and life insurance. But according to John Monaghan, partner and president of Life & Health, the focus today is on more individual protection. “We also focus on disability, security of wealth, along with investing—it’s really about wealth protection,” Monaghan said. “Inevitably, we do wealth management. A lot of firms offer wealth management and some offer insurance, but not both. We aim to provide smarter solutions to bridge that gap. No company can be around 100 years and not remain relevant. What PDCM has been doing is staying four steps ahead.” And that can be challenging, said Fereday, because the industry has changed drastically in the last five years. He cites the impact of the Affordable Care Act, as well as local natural disasters like the 2008 floods and Parkersburg tornado. “For us, the fun part is to see the changes that have come about in our company over those 100 years from traditionally a complete paper environment to the onset of technology and what that has meant to our business,” Fereday said. “It’s exciting to have the legacies of Jim Clabby and Mac McCausland innovating with us each day. It’s inspiring to watch Steve Clabby and Kent McCausland, as they propel our business to the next level.”

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PDCM culture driven by doing what’s right CJ HINES newsroom@wcfcourier.com‌

‌PDCM leadership understands the importance of doing things right. In fact, “do what’s right” is the first of their corporate values. “Our corporate values are what we live and die by here,” said Chris Fereday, PDCM partner, president and chief executive officer. “It’s really important to our day-to-day existence and how we ensure we consistently provide our clients the smartest solutions for their business and personal lives.” Although those values were committed to paper five years ago, they have been “the tribal norms we have operated by for 100 years. When we get into a situation where we aren’t sure how to behave, we look at them and they present a pretty clear picture. The values define our culture, and when you look at the first one, ‘Do what’s right,’ it’s really clear,” Fereday explains. As evidenced by the company’s culture, those values are more than words on a piece of paper. From the top down, these values are lived by each PDCM employee, and they are led by the examples provided by partners who back up those words with action. “The owners truly care about the employees,” said Teresa Driscoll, Employee Benefits Design accounts manager. “We have a very tight-knit group of employees and I believe the leadership creates this atmosphere by the strong team approach they encourage. Each employee is valued and plays a part in the company’s success.” Driscoll has spent 14 years with the company. PDCM benefits from the shared passion and commitment to do what’s right, as well as a set of diverse partners. The four PDCM partners – Chris Fereday, Steve

Clabby, Kent McCausland and John Monaghan recognize and celebrate the varied areas of expertise each brings to the table. “All of us play an active role as leaders of the agency,” said Monaghan. “I feel we do a really good job in discussing and making decisions as a team. We have a wide range of experience with PDCM—from owners that have been part of the organization less than five years to Clabby—who has been with the agency much longer. I think that fosters broader and deeper perspectives to our unified strategic decision making.” Teamwork is the key to PDCM’s success. “We also have a strong administrative team, which implements company policy,” said Monaghan. “We look to them for ideas and suggestions too. That helps the partners focus on the big picture, while providing us more time to best serve our clients.”

PDCM’s corporate values 1. Do what’s right 2. Tell the truth. Even when it’s hard.

Peter F. Drucker founder of modern management

3. Trust each other 4. Value our differences 5. Take ownership 6. Learn something new every day 7. Live a balanced life 8. Celebrate our successes 9. Give back and pay forward

CONGRATULATIONS, PDCM, ON ONE HUNDRED YEARS.

10. People may not remember exactly what you did or what you said but they will always remember how you made them feel.

CONGRATULATIONS PDCM INSURANCE Progressive congratulates PDCM Insurance on their 100th Anniversary. Thank you for your continuing partnership.

Progressive Casualty Ins. Co. & afﬁliates.

“Management is doing things right; leadership is doing the right things.”

Wishing you one hundred more years of business success.

PDCM

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PROFILES OF THE PDCM PARTNERS STEVE CLABBY‌

Steve Clabby grew up around the insurance industry. His father, Jim, was a principal at Brown and Diekman, Inc. in 1991 when the firm merged with Vaughan, Pedersen &

McCausland to create PDCM. But Steve wasn’t interested in working in the business when he graduated from high school. He became a union carpenter, working for several general contractors. When the farming cri-

sis hit in the 1980s, construction slowed and Steve became unemployed. With a family to support, as well as a home and car payments to manage, he decided to join his dad at PDCM in 1984. “When I first got into the business, I would go to people’s houses and sit down and go through the rate manual … oneon-one at their kitchen table,” Clabby recalled. “Now everybody is busier, and people don’t want to sit down at the kitchen table as much anymore.” Clabby noted the vast evolution in the way insurance work is accomplished now – through emails or on the phone. “Computers have really changed how the insurance business is done. We still retain that personal relationship with clients. We contact them on a quarterly basis and send them emails. We also have blogs and other social networking venues,” he said. Although he works with a variety of companies and clients, he retains his interest in construction and specializes in

providing insurance solutions for the construction industry. He also pursues continuing education courses and is involved with the Home Builders Association of Northeast Iowa, the Association of General Contractors, the Lions Club, Red Cross and the American Heart Association.

CHRIS FEREDAY

Fereday to meet with John Pedersen, Frank Dowie and Mac McCausland. “After that, Mac McCausland and Frank Dowie called me for a year about joining PDCM,” he recalled. Fereday joined the firm in 2001. In addition to becoming a partner, Fereday serves as president and CEO, and is a certified risk manager working in the commercial division. He now serves on the board of directors for the Greater Cedar Valley Alliance, the Waterloo Industrial Development Association, the Leader Valley Council, the Hawkeye Community College Foundation and the EPI Foundation Board. He was named a Courier “20 under 40” honoree in 2005 and Junior Achievement named him a Young Entrepreneur in 2013.

Growing up in Waterloo, Chris Fereday set his sights on working in the big city. While working toward a degree in marketing and computer applications at the University of Notre Dame, he interned in Chicago with Arthur J. Gallagher, one of the world’s largest insurance brokerages. Following graduation, he continued with the firm, eventually moving to its Milwaukee office. During that time, he was impressed by the resurgence he saw when he came home to visit KENT MCCAUSLAND the Cedar Valley, and with how With his father, Mac, being the PDCM did business. When he and “M” in PDCM, it might seem a his wife started planning a family, natural progression for Kent to the Cedar Valley called to them. follow in his father’s footsteps. The pull toward home inspired But after a stellar college career as a four-year letterman for the University of Iowa Hawkeyes basketball team, McCausland wanted to spread his wings. He landed a sales job handling a four-state territory for the shoe and apparel company, Adidas, in Kansas City, Mo. After eight years with Adidas, McCausland also felt the pull of home. In 2010, he moved back to the Cedar Valley and began working at PDCM. “Dad was very hands-off and didn’t put any pressure on me to move home or work for PDCM,” said McCausland. “I was working for Adidas, and one day Chris For 100 years, PDCM has been Fereday called and asked if I there for Wellmark members in would think about working here. the Cedar Valley. Congratulations! We had had our first son, and my wife Traci and I had been talking about putting down roots—she’s from Iowa Falls.” He started as an account executive, working with his father’s Wellmark Blue Cross and Blue Shield of Iowa, Wellmark Health Plan of Iowa, Inc. and Wellmark clients and acquiring a few of Blue Cross and Blue Shield of South Dakota are independent licensees of the Blue Cross and his own. #11932_04_16 Blue Shield Association. “Those first two years, I was

HERE’S TO A FUTURE OF BETTER HEALTH

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handed the business over to Monaghan. “I was a beneficiary of John Curran’s career of doing what’s right. When I joined PDCM, it was important to me to continue that,” he said. Monaghan met and got to know Chris Fereday during lunch-hour basketball games, as well as serving on boards together.

“We began informally referring clients to each other. Chris was an expert in commercial insurance and I specialized in employee benefits. Through that relationship we realized we could create a situation where one plus one equals three and we decided to join forces in 2013,” he said. Please see Partners, Page 8

TIFFANY RUSHING / COURIER STAFF PHOTOGRAPHER‌

PDCM Insurance partners John Monaghan, Chris Fereday, Kent McCausland, and Steve Clabby. educating myself on the insurance industry,” he said. “Everyone said it’s a three-year process before you feel like you’ll know anything. I came in with very low expectations. I knew it would take some time, but Dad was always there to help, and so were Chris and everyone else. Our PDCM family of employees was very supportive.” McCausland was promoted to partner in March 2015. When he joined PDCM, it was accepted that he needed to earn the right to be a partner, and meet several requirements, including “the amount of business I had written, as well as my standing within the company, establishing my work ethic and earning respect within the company.” Making partner has given him a great sense of accomplishment. “I knew I wanted to do that, and I pushed myself.” McCausland enjoys taking an active role in the community. He serves as board president for the Boys & Girls Club of the Cedar Valley, and as a board member for the Cedar Valley Sports Commission, the Waterloo Community Foundation and the National I-Club, in addition to volunteering for several other organizations. In 2013, he was named a Courier “20 under 40” recipient.

in 2013 when Group Benefits Design merged with PDCM. Monaghan previously worked for John Deere Health in its Airport Boulevard building, calling on benefits consultants, which is how he met John Curran, the creator of Group Benefits Design. “In the 1980s, John Curran started the company as a benefits consulting agency. He continued to work as an estate planner, while becoming a local

expert helping employers negotiate and design employee benefit plans,” said Monaghan, a Winthrop native. “We had a tremendous amount of respect for the way each other operated, so when he asked me to join him in 2002, I felt as if I was just accepted into the ‘Harvard’ employee benefit consulting company, so to speak.” After Curran was diagnosed with pancreatic cancer, he

Congratulations to PDCM on your 100th year in business.

JOHN MONAGHAN

John Monaghan, president of Life & Health, came to PDCM

CELEBRATING

100 YEARS IN BUSINESS TOGETHER!

PDCM INSURANCE Waterloo, IA • 319-234-8888 www.pdcm.com

PDCM

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Partners From 7

Monaghan, who graduated with double bachelor’s degrees from Mount Mercy College in Cedar Rapids, is a recognized expert in the state on health plan cost control, achieved through consumer-driven health plans, with an emphasis

on wellness. He serves on the board of Friends of the Gallagher Bluedorn Performing Arts Center, and has served in leadership positions at the Community Foundation of Northeast Iowa and North Star Community Services. He belongs to the National Association of Health Underwriters.

HQ From 2

Travelers congratulates PDCM on their 100 year Anniversary. Thank you for your partnership and leadership in the community.

PHOTOS BY BRANDON POLLOCK / COURIER STAFF PHOTOGRAPHER‌

PDCM Insurance. Photographed Monday, March 14, 2016, in Waterloo, Iowa.

COMPLEMENT THE CORE ... We provide solutions to complement core benefits, creating a more comprehensive compensation package for employees. Our benefits help attract and retain the best talent, and drive a healthy and productive workforce—all at no additional cost to employers. At Assurity, protecting workers has been our business for more than 125 years.

travelers.com © 2016 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. M-17949 New 4-16

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teleconferencing capabilities and advanced means to interact with our clients.” PDCM demonstrates its commitment to healthy lifestyles with a wellness room for staff. A wellness department intern, who is also a yoga instructor, has led yoga/relaxation sessions for staff. The wellness division also has organized walking groups and facilitates one-on-one coaching sessions. “Most of the time, our wellness coordinators are meeting with clients to do smoking cessation, weight loss, or stress management programs for employer clients,” Monaghan said. “PDCM believes healthy employees are happier, more productive and incur fewer health insurance claims. Thus, our clients pay less in insurance premiums. Because of this, we do wellness programming for our clients, but also for ourselves.” Fereday added that the building also is designed to provide our clients with a more positive experience and at the same time provide greater privacy and data security. “Even when clients choose to meet with us from the convenience of their home or office, our new building has the infrastructure built in for us to connect with them through secure technologies, such as videoconferencing. Having more capabilities to serve our clients is really exciting.”

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Visionary leadership, smarter insurance solutions ‌You can certainly say that a business that has been successful for 100 years is doing something right. Add the right leadership team to lead the way, and you’ve got a model for success. By establishing a mission statement and core values that always put clients’ needs first, PDCM consistently responds to the changing insurance landscape, as well as technological innovations. “We made a commitment to the community and to our clients to do the right thing,” said Fereday. “Our mission statement and values still hold true. We’ve worked hard to live our core values. We try to find solutions for our clients; not push something they don’t need. For 100 years, PDCM has worked hard for its clients and to do what’s right.” Those values are an important part of the organization’s culture. “Values mean everything to PDCM. It needs to be about more than just selling insurance, I think, for anybody on our team to be happy with what they do,” said Monaghan. Rather than hire staff who can be “jacks of all trades,” Monaghan noted that PDCM has experts in each area. Those specialties include commercial insurance, risk management and disaster planning, individual life and health insurance. PDCM’s “Do what is right” attitude doesn’t stop at the end of their list of specialties. A staggering 80 percent of all health spending is on treating lifestyle-related conditions and preventable illness, which led PDCM to offer wellness programs with two fulltime wellness coordinators who work with employers to develop customized plans. According to the Centers for Disease Control, the United States spends more on healthcare per person than any other developed country. “We also have wellness challenges and smoking cessation, weight management, and stress management programs,” said Monaghan. “These programs encourage a healthy lifestyle and can modify what our clients need

identify information technology risks Personal Car & Home Insurance Individual Health, Life, Disability & Long Term Care Insurance Claims Center Employee Benefits

Employee Wellness Consulting HRConnect, which provides human resources consulting solutions and training for organizations; includes human resources compliance, employee development and organizational development

Amperage salutes

BRANDON POLLOCK / COURIER STAFF PHOTOGRAPHER‌

The new headquarters offers plenty of space for PDCM’s cutting-edge training for its employees. to pay. Our focus is to do everything we can, so our clients don’t need the very thing we sell.” With an eye for meeting needs before they are needed, PDCM has been tracking the industry trends and preparing for the next insurance hurdle the community might need to clear. “We’ve taken a step back and looked at what our clients want and need,” said Fereday. “A lot of businesses are working with

fewer resources, and we are filling that void. We are in the position of trusted adviser, and we have transparent goals.” Other Services provided by PDCM are: Business Insurance for commercial and small businesses Business Risk Management Solutions, including OSHA compliance, disaster planning and management consulting, as well as cyber security audits to

PDCM Insurance on 100 years of service

You don’t build longevity without building trust, offering outstanding customer service and working to find smarter solutions. Congratulations on this impressive landmark anniversary, and on the opening of your new headquarters on Airport Boulevard in Waterloo.

Congrats PDCM on your 100-Year

Anniversary! “When we merged and launched Amperage, PDCM was there to help us with smart solutions for our insurance, benefits and HR needs.” Bryan Earnest, President & CEO

1-800-706-0176

www.officeexpress.us

AMPERAGEmarketing.com CEDAR FALLS | CEDAR RAPIDS | DES MOINES | DUBUQUE | QUAD CITIES

PDCM

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PDCM Cares encourages employees to give back to community MELODY PARKER melody.parker@wcfcourier.com ‌

Lynette Sugden’s daughter ‌ was just three months old when she underwent emergency heart surgery. When she was born, all of her veins were not connected to her heart. That meant blue oxygenated blood was not get-

ting back to her heart. Surgeons were able to successfully make the repairs. Five years later, Ella is a happy, healthy child, and her mom is active in the American Heart Association, including leading Team Ella’s Journey on the annual Cedar Valley Heart Walk.

CONGRATULATIONS ON

100 YEARS PDCM INSURANCE

We’re proud to be partners with an agency for the past 25 years that values financial stability and a strong foundation.

Jackie Wagner joined the Exchange Club of Waterloo 16 years ago to network with business professionals. She quickly became involved in the club’s community outreach and philanthropies, including chairing the popular annual fundraiser, the Eastern Iowa Home and Landscaping Show. Jessica Rucker is helping build the Rotary Club of the Cedar Valley. “a club of doers” who are “breaking the mold of the typical Rotary by having many women and younger members.” Although each of these three stories is different, there is a common thread that joins them together. Sugden, Wagner and Rucker are all three employees of PDCM Insurance. “‘Give back and pay forward’ is one of our core values as a company. PDCM Insurance lives this value by not only giving donations of time and money to the community, but also by encouraging and supporting employees to do the same,” says Kim Krizek, PDCM’s chief operating officer. PDCM allows employees to use several hours of paid time away

TIFFANY RUSHING / COURIER STAFF PHOTOGRAPHER‌

Jackie Wager, left, Lynette Sugden, center, and Jessica Rucker, right, are all appreciative of the PDCM Cares program which encourages and supports employees as they volunteer in the community. from the workplace for pursuing volunteer or philanthropic interests. “It’s easy to be passionate about your causes because the company is so supportive,” says Lynette. She continues to be grateful that PDCM allowed her to work from home for two weeks during Ella’s recovery five years

Welcome to the 100-Year Club!

A Century of Helping Others

BUSINESS | HOME | AUTO | LIFE

Congratulations to our Premier Agency Partner. Here’s to another 100 years serving our customers together.

Phone: 800-362-2227 | Home Office: Des Moines, IA

www.emcins.com

ago, as well as their support for the American Heart Association. Rucker believes being passionate for “a group that does stuff, that doesn’t just write a check” like Rotary Club, along with PDCM’s support, has “helped me grow as a person and as an employee. It gives me one more reason that I want to work here.” Wagner says she appreciates the sense of fulfillment that comes through her club’s help in funding services and community outreach at the Family and Children’s Council. In April, PDCM partnered with the council to promote awareness and prevention of child abuse. Through the company’s PDCM Cares program, employees can set aside money each month in exchange for one jeans day per week. Employees can then nominate a non-profit organization to benefit from the funds. Each month, an operations committee reviews the nominations and selects recipients. “The monies raised by the employees are matched by PDCM Insurance and donated to the chosen organizations,” Krizek explains. Funds have been donated to such organizations as the Beyond Please see Cares, Page 11

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Let our experts help you ‌PDCM blends a century of experience with industry innovation to bring you a completely different approach to managing risk and insurance. Our personalized advisers use PDCM’s unique Risk Reduction Approach to take a comprehensive look at your insurance needs and customize a plan for your family or business.

BRANDON POLLOCK / COURIER STAFF PHOTOGRAPHER‌

PDCM Insurance headquarters

Our location & hours ‌Main Waterloo office

Phone: (319) 234-8888

Life & Health Division

Office hours

3022 Airport Blvd.

1-800-373-2821 toll free

3022 Airport Blvd.

Monday through Friday

Waterloo, IA,50703

(319)-234-7702 fax

Waterloo, IA, 50703

Mailing address:

Email: pdcm@pdcm.com

(319) 287-3249 fax

8 a.m. to noon and 1 to 5 p.m.

P.O.Box 2597 Waterloo, IA 50704

(Lunch-hour appointments can be arranged.)

Cares From 10

Pink Team, Boys & Girls Club, the Ronald McDonald House, North Star Community Services, House of Hope, Magical Mix Kids, Cedar Valley Hospice and the Salvation Army, among others. “If you make a nomination, you can speak about your submission at the monthly meetings. We have a say about where the funds go, and that’s important,” Wagner explains. Volunteering and community involvement are second nature for many PDCM employees, Sugden says. “’Live a balanced life’ is another core value at PDCM, and this is one way to do that. They want us to get out there and be passionate about something.” Rucker adds, “And that makes me happy to come to work every day.”

Business insurance OSHA compliance Personal home and auto insurance Individual life and health insurance Employee benefits Employee wellness Claims Center HR Connect

Congratulations PDCM Insurance! Young Plumbing & Heating would like to Congratulate PDCM on 100 years of longevity.

Young Keeping you comfortable for over 4 generations

Congratulations to PDCM on

100 years

Plumbing & Heating Co.

in the insurance industry!

Here’s to another 100 years of continued partnership!

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Thank You to the Cedar Valley for 100 years of trust and support. At PDCM, we are proud to have served the families, businesses and individuals of the Cedar Valley since 1916. Over that time, PDCM has worked hard to continually adapt to changes brought on by natural disasters, world wars, government legislation and the digital revolution to bring you smarter solutions to your insurance needs. The next century will bring its own changes, and we will continue to adapt for our customers and communities. â&#x20AC;&#x153;From all of us at PDCM, we wholeheartedly wish to thank our customers for entrusting us as partners in their business and personal planning to protect all those things in life that matter most. We are always looking to the future for our clients, monitoring problems from global warming to new OSHA compliance laws and health insurance reform changes to predict how this could impact our customers and their businesses now and into the future.â&#x20AC;? - Chris Fereday, John Monaghan, Steve Clabby & Kent McCausland, PDCM Partners

Serving the Cedar Valley and the Corridor since 1916 PDCM.com | 800-373-2821