The Connecticut Independent Agent

May 2012

The Connecticut Independent Agent

This Issue’s Features

IIAC Officers and Executive Committee Meet with the Connecticut Congressional Delegation 03

Agent Licensing Reform Legislation Introduced in Senate 03

Month In Review 11 Insurance Department Bulletins Legislation Department of Labor

Annual Membership Meeting & Installation of Officers 05

Are You and Your Agency’s Employees Using Your Membership to It’s Full Potential? 06

Helping Your Employees Embrace Change 07

6 Things you Can Do To Be a Better Team Player 08

Project CAP is Here (Video Link) 09

Featured Programs E & O Loss Control Techniques Seminar 10 Annuity Compliance Course 10

23rd Annual IIAC Golf Tournament (Sponsored by the IIAC Young Agents Committee) 11

RLI Stand Alone Personal Umbrella 14

Swiss Re 14

In Every Issue

May and June Continuing Education Courses 12

Events 15

Big “I” Advantage Programs 16

2011 - 2012 Officers 18

Committees 18

About Us 23

Associate Member Index

Associate Members - Insurance Brokers & Services 19

Associate Members - Insurance Companies 21

“The Connecticut Independent Agent

is the official publication of the Independent Insurance Agents of Connecticut

30 Jordan Lane Wethersfield, CT 06109 Phone: (860) 563-1950 Fax: (860) 257-9981

www.iiact.org

Warren C. Ruppar President

Tracy Hearn Office Manager / Event Planner

Ed Meaney, CPCU Education Director

Laura Szatkowski E&O Program Administrator

Rosemary Mullaly

Lawyers’ Liability Program RLI

This publication is intended to provide accurate and authoritative information on the subject matter covered. It is dis-tributed with the understanding that nei-ther IIAC, nor any contributing author, publisher or contributor is rendering le-gal, accounting or any other professional service and assume no liability whatso-ever in connection with its use. Further, the electronic links to our associate mem-bership found in this publication are pro-vided as a courtesy to our readers and do not necessarily indicate an endorsement by IIAC. News items will be accepted / printed at the discretion of the IIAC. No paid advertisements are accepted in this publication. Please contact Warren Ruppar for further information.

IIAC Staff

Independent Agents Services Staff

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Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 3

On April 25 – 27, 2012 your IIAC Officers and Executive Committee attended the 36th IIABA Legislative Conference in Washington, D.C. Representing IIAC were: Chairman Tom Wilson; Chairman-Elect Mike Gergler, CIC; Treasurer Jim Suzio, CIC; State Director Jay Byrnes, CIC; Past Chair-man, Spencer Houldin; Past-Chairman Craig Dawley; Past Chairman J. Ralph Murray; Executive Committee member Mary Pursell, CPCU; and President Warren Ruppar. Meetings were held with members of congress and their staff on Thursday, April 26, 2012. Key issues that were dis-cussed included the future role of agents in the sale of health insurance and the need to exclude agent compensa-tion from the medical loss ratio formulas. Other issues that were discussed included Reauthorization of and Reform of the Flood Insurance Program, Insurance Regulatory Reform and Agent License Reform (NARABII). For more information on the IIABA Where We Stand posi-tion papers, click here.

IIAC Officers and Executive Committee Meet with the Connecticut Congressional Delegation

Agent Licensing Reform Legislation Introduced in Senate Agents advocate for NARAB II bill on Capitol Hill

insurance regulation. NARAB II would reform and improve the current state-based system of insurance regulation by providing one-stop, non-resident licensing.

NARAB II would build upon regulatory experience at the state level, promote consistency and preserve marketplace responsiveness.

For much of the past nine months, the Big “I” has been ne-gotiating with the National Association of Insurance Com-missioners (NAIC) in an effort to once again obtain state regulators’ endorsement of the NARAB II bill. The NAIC previously endorsed the legislation in 2008 but last summer announced it would like to work on refinements to the leg-islation.

Negotiations finally broke through, and on Friday, April 20, 2012 the NAIC formally endorsed the new Senate version of the NARAB II legislation.

The Big “I” is very encouraged by the developments both in the Senate and with the NAIC and hopes that the legislative conference has helped to keep the momentum rolling on this important agent licensing reform effort.

John Prible (john.prible@iiaba.net) is Big “I” vice president for federal government affairs.

Just days before almost 1,000 agents and brokers boarded trains, plans and automobiles en route to Washington, D.C., for the annual Big “I” Legislative Conference & Convention, insurance agent licensing reform legislation was introduced in the U.S. Senate.

On Monday, April 23, 2012, S. 2342, the “National Associa-tion of Registered Agents and Brokers Reform Act of 2012,” or NARAB II, was introduced by Sens. Jon Tester (D-Mont.) and Mike Johanns (R-Neb.).

The Big “I” strongly supports this targeted federal legisla-tion to reform agent licensing. On April 26th, the associa-tion’s annual lobbying day on Capitol Hill, Big “I” members from across the country met with hundreds of congres-sional offices and asked them to support NARAB II.

A House version of the legislation, H.R. 1112, introduced by Reps. Randy Neugebauer (R-Texas) and David Scott (D-Ga.), currently has 61 bipartisan co-sponsors. That version of the legislation has twice before passed the House of Represen-tatives by overwhelming margins, but had not yet been in-troduced in the Senate until last week. The Big “I” is strongly encouraged by the Senate introduction.

The measure would provide for reciprocal non-resident in-surance agent and broker licensing while preserving state

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 4

MONTH IN REVIEW

Insurance Department Bulletins & News Releases

Health Insurance Companies and HMO’s to Notify Policyholders When Submitting Rate Request

Connecticut Catastrophe Preparation – Emergency Contact and Adjuster Placard Information

On April 20, 2012, the Connecticut Insurance Department Released Bulletin IC-36 “Connecticut Catastrophe Preparation - Emergency Contact and Adjuster Placard Information.” For information on this bulletin, please visit the CID website.

In a News Release issued on April 5, 2012, Connecticut Insurance Commissioner Thomas B. Leonardi announced that health insurance companies and HMOs will begin notifying their individual and small group policyholders each time they submit a rate request to the Insurance Department for review along with guidance on where to access the filing and submit com-ments. To read the entire News Release, please click here.

CT Department of Labor Issues Stop Work Orders to 23 Companies

Department of Labor

Unemployment rate comes down one-tenth to 7.7 percent; jobs recede by 2,700

April 19, 2012 Media Release from the Department of Labor - Connecticut’s labor market recovery departed from strong winter job growth in March by declining 2,700 total nonfarm jobs while the unemployment rate continued to fall. The unem-ployment rate declined one-tenth to 7.7% over the month and was down 1.4 percentage points over the year.

“The warm winter allowed many weather sensitive job sectors to remain active longer and show stronger growth than is typical. As a result, the normal seasonal upswings we see in the spring appear smaller than usual. Once seasonally adjusted, some of these sectors, including construction and trade, are now showing declines,” observed Andy Condon, Director of Of-fice of Research.

To read the entire media release, please click here.

LABOR SITUATION Office of Research

April 9, 2012 Media Release from the Department of Labor - State Labor Commissioner Glenn Marshall recently announced that The Connecticut Department of Labor’s Division of Wage and Workplace Stan-dards issued Stop Work orders to 23 companies working at construction project sites throughout the state during the period of Feb. 27 to March 30.

Stop Work orders are levied against companies that misclassify workers as independent contractors with the intent of avoid-ing their obligations under federal and state employment laws covering such matters as workers’ compensation, unemploy-ment taxes and payroll reporting. Stop Work orders result in the halting of all activity at a cited company’s worksite, as well as a $300 civil penalty for each day the company does not carry workers’ compensation coverage as required by law. To read the entire media release, please click here.

Hurricane Deductibles Addressed

Legislation

On April 18, 2012 the state House voted unanimously to pass Bill Number 5230 “An Act Concerning Various Changes to Property and Casualty Insurance Statutes.” Among other issues, this bill allows insurers to impose a hurricane deductible in the policy in lieu of an overall policy deductible for homeowners and certain other policies issued or renewed on or after July 1, 2012, if a hurricane results in a maximum sustained surface wind of 74 miles per hour or more for any part of the state. To read the OLR Bill Analysis of #5230, please click here.

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 5

IIAC Annual Membership Meeting and Installation of Officers Scheduled for June 7th at Saint Clements Castle, Portland, CT

On Thursday, June 7, 2012, the Independent Insurance Agents Association of Connecticut will hold their 114th Annual Mem-bership Meeting and Installation of Officers. This year’s meeting will be held at Saint Clements Castle in Portland, CT. The evening will begin with a 5:30 reception and dinner to be followed by the Annual Meeting and Installation of Officers.

All member agencies and their staff are invited to attend the dinner and meeting. We look forward to having an opportunity for our members and company representatives to meet and enjoy this special occasion. A formal invitation is being mailed

to all IIAC member agencies; however, a web version of the invitation is available on the Events page of the IIAC Website. Reservations must be received by May 24, 2012. The slate of incoming IIAC Officers for the 2012 - 2013 term is as follows:

Chairman: Mike Gergler, CIC, Wilcox & Reynolds Insurance, LLC, Storrs Chairman-Elect: Jim Suzio - Suzio Insurance Center, Inc., Meriden Treasurer: Kim McGillicuddy, CPCU, Pierson & Smith, a division of First Niagara Risk Management, Norwalk Secretary: Jared Carillo, Charles S. Carillo Insurance Agency, Windsor Locks State Director: Jay Byrnes, CIC, Byrnes Agency, Inc., Dayville Immediate Past Chairman: Tom Wilson, The Wilson Agency, Inc., Shelton

The Independent Insurance Agents of Connecticut, Inc. Cordially invites you and your staff to attend the

114th Annual Membership Meeting and

Installation of Officers

Thursday, June 07, 2012 – 5:30 PM at

Saint Clements Castle 1931 Portland-Cobalt Rd.

Portland, Connecticut

Program 5:30 PM Reception 6:30 PM Dinner Annual Meeting and Installation of Officers Price: $85.00 Spouse: $60.00

Name(s) of Attendees: _______________________________________________________________________________ Agency / Company & Address: __________________________________________________________________________

(include street, city, state & zip code)

Amount Enclosed: ________________

Please Indicate Meal Choice:

______ Breast of Chicken filled with Baby Spinach & Goat Cheese, served with Roasted Red Pepper Beurre Blanc

______ Pan Seared Salmon served with a Honey Citrus Beurre Blanc

______ Tournedos of Beef with Port Wine Demi Glaze

Reservations must be received by May 24, 2012

Make checks payable to and mail to: IIAC, 30 Jordan Lane, Wethersfield, CT 06109

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 6

Are You and Your Agency’s Employee’s Using Your IIAC Membership to It’s Full Potential?

Research Library

Sometimes you need answers to questions that can’t be found in the Research Library. To help with these “just in time” issues, the Big “I” has assembled a faculty of leading experts from around the country who can answer your questions. Simply fill out a short form and the experts will work to get you a response within 3 - 5 business days, often sooner. This service is available only to Big “I” members!

The Big “I”s cutting-edge online services make it possible for today’s agencies to get the critical information they need, wherever and whenever they need it. One of the ways that the Big “I” accomplishes this is by providing access to a unique combination of industry knowledge and experience available only at the Big “I” Virtual University.

For those who seek a smarter way to research, the Big “I”s online library is divided into three subject areas: Insurance - find selected sample forms, coverage analysis that cite expert interpretations and court cases, as well as articles and practical information about challenging coverage issues. Business - find articles and business tools, including information about the highly-acclaimed Best Practices program, as well as critical professional skills to help your agency grow and prosper Technology - find expert information on hardware, software, the internet and technological gadgets and programs that will make you more productive online.

Critical Business Issues

Each day our industry is faced with new challenges that influence the long-term success of the independent agency system. The Big “I” Virtual University regularly produces white papers and articles on many of the critical issues affecting today’s insurance market-place. These resources provide opinions and commentary to help today’s busy agency professional be informed and knowledgeable about the trends and topics affecting their future.

FREE Newsletter

E-mailed every two weeks, each issue of the award-winning VU-point newsletter is jam-packed with articles covering personal lines, commercial lines, agency management, sales, marketing, customer service, technology and the internet. You will find quick opinion surveys, guest articles on the latest issues affecting your agency, and a variety of article and white papers. Big “I” Members and Subscribers have access to full archives.

The VU compiled the industry’s most comprehensive database of links to information Web sites across the internet, and not just in-surance sites. Link categories include: Commercial Lines; Personal Lines; Life, Health & Financial; Government, Legal, International & Disaster Information; Agency Operations; Company Operations; Education and more.

Business Skills - SkillSoft training is available on Analyzing The In-come Statement And Balance Sheet, Techniques for Better Time Management, The Marketing and Sales Plan and a host of other necessary business topics. Industry Research - Dig into industry research and trends through the Best Practices Gateway, Agency Universe Study, Annual Mar-ketshare Report and other industry relevant findings. E&O Loss Prevention Tips - Tips and case studies are based on ac-tual claims. Find out how to reduce your agency E&O exposures.

Visit www.iiact.org and select Virtual University from the menu at the top. Choose your VU destination from the menu: Subscribe Now; Free Newsletter; or Online Courses. The VU Home is a password protected area and a login ID and password will be required.

Consumer Articles - Homeowners, Personal Auto and Commercial Insurance articles all rewritten from a consumer perspective. Big “I” members are encouraged to use them in their communications (newsletters, flyers, Web site, etc.) Checklists - Obtain sample HO Inspection, Commercial and Per-sonal Lines checklists to evaluate your customer needs. Downloads - View key information through downloads that ad-dress topics such as, The Top 10 Reasons to Buy CDW, CGL Faulty Workmanships Laws, WC Illegal Alien Laws and more.

Big “I” Member Agencies - Free Access! Your IIAC membership entitles you to access to the research library, newsletter, “Ask an Expert” service, white papers, consumer articles and more, at no additional charge. Each person within an agency is required to log into the VU Home page with their own login ID and password. Indi-viduals can obtain their login ID and password by clicking on the “Don’t Know Login” link, located on the Big “I” Web site, or by con-tacting the national association at 1-800-221-7917.

Subscription Services Are Available! If you are an insurance com-pany employee, affiliate or an associate member, you may pur-chase an annual subscription to the Big “I” Virtual University. Visit the Subscribe Today Web page for details. Insurance company personnel are encouraged to visit the Company Partner section on the Subscribe Today Web page, as discounted subscriptions may be available in recognition of a company’s support of the Big “I” pro-grams.

How can you access the Virtual University?

VU Tools You Can Use

“Ask an Expert”

Incredible Insurance Links

Virtual University

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 7

6. Anticipate resistance. It will be important to determine if the resistance is founded, such as initial fear of the unknown and genuine concerns about potential prob-lems with the change—or if some people are just ha-bitually negative and will consistently work against your efforts. Try to nip this in the bud by getting them to contribute ideas and eventually buy into the changes. Be aware, however, that you may also determine their contributions to the company are not really worth the turmoil they’re likely to continue causing.

7. Provide the extra resources people need to adapt to

the new changes. Make training and assistance avail-able, as well as an “open door” policy that enables peo-ple to feel comfortable expressing problems, concerns or confusion—including the ability to say, “I’m not sure how to do this.”

8. Identify people who are positive and succeed early in

the change cycle. Reward them for their progress, and allow them to share their success stories and serve as examples to others.

9. Keep people updated on how the new plan is progress-

ing and share the positive outcomes of the changes. Adapting to change always takes time. Continue to keep the communication open and avoid surprises. Make sure you are doing your part to make people as comfortable with it as possible so you truly earn their trust and commit-ment to the new vision. For information on how Caliper can help you recognize if a potential employee has what it takes to be a strong team player, or for assistance with building stronger, more pro-ductive teams, call us at 609-524-1200.

Do you remember the scene in the movie Wayne’s World where Rob Lowe’s character explains to Wayne and Garth the new structure of their previously self-produced cable show? Garth’s response: “We fear change.” Garth is not alone in his trepidation. When you take people out of their comfort zones, they get, well…uncomfortable. Even if the current circumstance is not ideal, at least it’s familiar territory. In the business world, fear of change of-ten stems from two main concerns: Am I still going to have a job when all is said and done; and if I do, how much more work is going to be expected of me? Here are 9 quick tips to help keep panic to a minimum in times of change: 1. Explain your vision. Help people understand why the

changes are necessary. Also let them know what’s in it for them and what the downsides are of not changing. Communicate these things regularly so it begins to feel natural.

2. Get people involved in the planning process. The more

included people feel, the more vested they are in mak-ing the new process succeed.

3. Make sure you have a plan. The plan should show how

you expect to make your vision a reality, how the pro-posed changes relate to the goal, and the time frames for implementing and achieving each step in the proc-ess.

4. Before rolling out the new process, give everyone a

preview of the plan. Break it down into digestible pieces. Start with small, easy to handle steps so people can meet with initial success and develop confidence in their abilities and the plan.

5. Don’t expect people to be committed to the new pro-

cedures immediately. Let commitment grow slowly and it is more likely to be lasting.

Helping Your Employees Embrace Change

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 8

As for the listening side, aside from the obvious making a conscious effort to really “hear” what’s being said rather than planning your response to what’s being said, be sure to ask people for input, and really absorb what they’re tell-ing you. And look directly at the person speaking so you convey the message that what they’re saying is important. If you often enter situations thinking you already have most of the answers, you’re not only being a poor team player, but you are also severely limiting your chances to learn and grow.

4 – Establish and Maintain Trust Avoid gossiping and back-stabbing behavior. Nothing sabo-tages the efforts and effectiveness of a team like distrust and anger. By making an effort to build positive relation-ships through open and honest communication, you are likely to be more productive as well as get more enjoyment out of your work.

5 – Share What You Know The point of working as a team is to combine the knowl-edge, expertise, and efforts of a variety of people. The in-teraction of everyone’s thoughts and ideas creates a whole new realm of possibilities that wouldn’t exist on the individ-ual level. If you tend to hold back your ideas because you want sole credit or want to be seen as the only expert, you are doing yourself and the team a disservice. Sharing infor-mation empowers you and those around you by elevating everyone’s level of knowledge and making the team and the organization as a whole that much stronger.

6 – Put the Team First When you find yourself thinking, “What’s in it for me?” stop and reframe the question, asking “What’s in it for the team?” or “What could we do differently that would bene-fit the group as a whole?” It’s important to understand that no team member is “better” or more important than the rest. Each person brings value to the table. If you learn to appreciate the individual contributions of each team member and can step back to see how they fit into the team’s bigger overall picture, everyone will be working to-gether more effectively and building a more productive team.

For information on how Caliper can help you recognize if a potential employee has what it takes to be a strong team player, or for assistance with building stronger, more pro-ductive teams, call us at 609-524-1200.

While being a superstar has its appeal (fame, fortune, first-class), there’s not a whole lot of room in the corporate world, or even in our personal lives, for a one-man or woman show. Learning to shine as part of a team, rather than trying to be the star hovering above it (or avoiding it altogether) will do a lot more for your career and sense of well-being in the long run.

Of course, as with most things, being a strong team player is a lot easier said than done. It takes learning and practice. But, whether your team is a small group working on a single project, a department working on achieving yearly goals, or an entire company trying to move to the next level, here are six basic strategies you can start using today to be the kind of teammate everyone wants on their side.

1 – Be Approachable If you tend to do a lot of sighing, eye-rolling, or exploding when someone asks for your help or your input, it’s a pretty strong indicator that you’re not at the top of the “Best Team Players” list. Everyone needs help now and then—including you. So, no matter how unimportant the request may seem to you, remember that it is important to the per-son asking and you should treat them and their request with respect. Make an effort to follow the golden rule of treating others the way you would you like to be treated.

2 – Be Responsive Don’t ignore people’s requests in the hope that they’ll go away. None of us work in a vacuum. The truth is, most of the work that goes on inside a company is much more in-terconnected than we all think. Too often we focus only on our piece of the goal and feel we don’t have time for some-one else’s project. Remember, we are all busy. You cer-tainly shouldn’t need to (or be expected to) drop what you’re working on to help someone else at that minute, but you should offer a reasonable date or time by which you will have an answer, an alternative or be available to work with the person. And stick to your deadline.

3 – Improve Your Communication Skills This means both talking and listening. Be sure people un-derstand what you’re trying to say. If you’re not certain, ask – but be sure to do it in a way that is positive and not insulting. Saying, “I’m not sure if I was being clear in the way I presented that, could you tell me what your under-standing is?” will likely get you more respect and long-term cooperation than using an attacking style such as, “You look confused. Are you not getting this?”

6 Things You Can Do To Be A Better Team Player

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 9

Project CAP: Join the Cause

Click the picture below to link to video

Join the Cause to Increase Your Market Share. More Internet Marketing. More Insurance Prospects. More Agency Growth.

This week, nearly 75% of personal insurance consumers will begin their search for new coverage online. Will they find you? The insurance marketing experts at Project CAP can help ensure they will. From new Agency Marketing Programs to a new online Consumer Portal, Project CAP is leading the charge to provide independent agents with everything you need to attract and interact with today's digital consumer.

Gearing up for the digital game

Created through an alliance of the IIABA, Trusted Choice®, State Associations and key insurance carriers, Project CAP is a pow-erful industry initiative with the vision and resources to recapture and expand the independent channel’s share of the per-sonal lines insurance market. Now, every IIABA member agency has ready access to a full roster of online tools, technolo-gies, training and tactics you can apply to increase your digital marketing expertise and dominate your target markets. Sign up today and start growing tomorrow.

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 10

Class Dates: May 10, 2012 June 12, 2012

September 20, 2012 8:30 am - 12:10 pm

IIAC Classroom Wethersfield

On December 19, 2011, the Connecticut Insurance Depart-ment issued Bulletin L-18 which addresses “Annuity Train-ing for Life Insurance Producers Required Under Sections 38a-432a-1 through 38a-432a-8 of the Regulations of Con-necticut State Agencies.” Bulletin L-18 clarifies that (1) An insurance producer holding a life insurance license on the effective date of the Regulation, February 18, 2012, who desires to sell annuity products shall complete, within six months after February 18, 2012, a one-time, four-credit training course provided by a Connecticut-approved con-tinuing education provider. (2) Individuals who obtain a life insurance license after February 18, 2012 may not en-gage in the sale of annuities until the annuity training course has been completed.” This training course was designed to meet the require-ments under Sections 38a-432a-1 through 38a-432a-8 and has been approved by the Connecticut Insurance De-partment. The required topics that will be covered are: Types of annuities and classifications; Identification of par-ties to annuity; How fixed, variable and indexed annuity contract provisions affect consumers; The application of income taxation of qualified and non-qualified annuities; The primary use of the contracts; Appropriate sales prac-tices; and Requirements for replacement and disclosure.

CLICK HERE FOR REGISTRATION FORM

Annuity Compliance Course 4 CE Credits (Life & Health)

May 17, 2012 8:30 a.m. - 4:30 p.m.

Wethersfield Country Club

Instructors Chris Weldon, Esq. & Jim Keidel, Esq.

A new approach to E & O Loss Control Prevention.

Designed to emphasize the positive aspects of adopting a Best Practices approach to agency management.

Practical, real-world solutions that can be implemented in any agency.

The focus of this seminar is on results with extensive use of the following:

- Case Study Method - Tools (Forms, checklist & sample letters) - Technology and Automation - Current Issues - Risk Management Approach

Correct attendance makes agency eligible for the 10% Premium credit.

10% Westport IIAC E&O Premium Credit

This program qualifies agencies that purchase their E & O insur-ance through IIAC from Westport Insurance Company, for a 10% credit on their total annual premium if the following personnel attend:

Agency Staff size of 1 Active Agency Principal, Owner, Partner or Officer

Agency Staff size of 2 to 7: 2 Attendees Required 1 Active Agency Principal, Owner, Partner or Officer 1 Producer or CSR

Agency Staff size of 8 to 20: 4 Attendees Required 1 Active Agency Principal, Owner, Partner or Officer 1 Active Agency Principal, Owner, Partner, Officer Operations Manager or Producer 2 Producers or CSRs

Agency Staff size of 21 to 50: 6 Attendees Required 1 Active Agency Principal, Owner, Partner or Officer 1 Active Agency Principal, Owner, Partner, Officer Operations Manager or Producer 4 Producers or CSRs

Agency Staff size of 51 or more: 10 Attendees Required 1 Active Agency Principal, Owner, Partner or Officer 2 Active Agency Principals, Owners, Partners, Officers, Opera-tions Managers or Producers 7 Producers or CSRs

CLICK HERE FOR REGISTRATION FORM

Errors & Omissions Loss Control Techniques Seminar

8 CE Credits (6 P&C & 2 LRE)

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 11

23rd ANNUAL IIAC TEAM SCRAMBLE

GOLF TOURNAMENT Open to all Agents, Clients, Company Representatives and Vendors

THURSDAY, AUGUST 2, 2012 (Rain or Shine) BLACKLEDGE GOLF CLUB, HEBRON, CT

Sponsored by: IIAC Young Agents Committee

2012 Annual Sponsors of the Young Agents

9:00 A.M. Registration & Putting Contest

10:00 A.M. SHOTGUN START

In order to reserve a foursome, please include all players in your group. Player #1 should be the “Key Contact Person.”

PLAYER (1): ______________________________________ E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________ ** Please include address for sending confirmation - INCLUDE ZIP CODE **

PHONE: (_______)____________________________ FAX: (_______)___________________________

PLAYER (2): ______________________________________ E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________

PLAYER (3): ______________________________________ E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________

PLAYER (4): ______________________________________ E-MAIL:________________________________________

AGENCY/CO & FULL ADDRESS: ______________________________________________________________________

Check enclosed for: Player (1) _____ Player (2) _____ Player (3) _____ Player (4) _____

MAKE YOUR OWN FOURSOME (OR BE MATCHED)

CHECK MUST ACCOMPANY REGISTRATION FORM (make check payable to “IIAC”) Mail Registration & non-refundable entry fee to:

IIAC, 30 JORDAN LANE, WETHERSFIELD, CT 06109

Acadia Insurance

Andover Companies

Bunker Hill Insurance Company

Charles S. Carillo Insurance Agency

Coastal Agents Alliance

Computer Rescue, Inc.

Connecticut Underwriters, Inc.

Crystal Restoration Services of Connecticut

Enviro-Clean, Inc.

Glass America

The Hartford

Independent Agents Services

John A. Woods Appraisers

MetLife Auto & Home

New England Excess Exchange

New London County Mutual

Northeast Surety, LLC

Plymouth Rock

Pro-Klean Cleaning & Restoration Services

Quincy Mutual Group

Selective Insurance Company

Servpro of Norwich

S.H. Smith & Company, Inc.

Travelers

Utica National Insurance Group

There are limited openings. Payment must be received within seven (7) days to confirm your reservation - if payment is not received within seven (7) days, your reservation will be given to the next person in line. All payments must be re-ceived prior to the outing.

GOLF SPONSORSHIPS AVAILABLE

Bag Lunches Golf Balls

Beverage Carts on the Course Raffle Prizes Courtesy of

Putting Contest Closest to the Pin Prizes

FOR MORE INFORMATION, PLEASE CONTACT TRACY HEARN AT

(860) 563-1950 thearn@iiac.org

Registration includes Greens Fee, Cart, Breakfast, Lunch, Dinner, Prizes

$115 PER PERSON

Sun Mon Tue Wed Thu Fri Sat

1 2 Spring

Conference __12:30 - 4:20__

L&H Pre-Licensing Day 4

3 4 5

6 7 8

AAI 83A Agency

Management 8:30 - 4:30

9

Life & Health Pre-Licensing

Day 5 8:30 - 4:30

10

Annuity Compliance 8:30 - 12:10

11 12

13 14 15 16

Life & Health Pre-Licensing

Day 6 8:30 - 4:30

17

E&O Loss Control Techniques 8:30 - 4:30

18 19

20 21 22

ACSR #12 Government

Disability & LTC 8:30 - 4:30

23 24 25 26

27 28 29 30 31

Laws, Regulations

& Ethics 8:30 - 12:10

May 2012

A COMPLETE ANNUAL CALENDAR CAN BE OBTAINED ON THE “EDUCATION” PAGE OF OUR WEBSITE

CONNECTICUT CONTINUING EDUCATION REQUIREMENTS

All resident agents are subject to continuing education for every line of authority.

The Connecticut Insurance Department has an extensive website (www.ct.gov/cid) offering information on licensing, forms, statutes, regu-lations (proposed and finalized) Please take advantage of this web site for valuable information.

Individual transcript information can be obtained by accessing www.sircon.com. Once on the website, select “For Individual Agents” from the “Products and Services” menu. Under “Quick Start for Agents” (at the top of the page) select “Look Up Education Courses / Credits.” This will bring you to an “Inquiries” page. Select “Continuing Education Transcript Inquiry.” Select “Connecticut” from the drop-down menu. Enter your license number and last name and click “submit.” You will now be able to view and print your transcript. Please note that transcripts are only accessible using producer license numbers. Social Security numbers are no longer usable.

Flood Insurance Course Requirement Newly licensed agents are required to complete a flood program course during their first compliance period.

A COMPLETE CALENDAR CAN BE OBTAINED ON THE “EDUCATION” PAGE OF OUR WEBSITE

Sun Mon Tue Wed Thu Fri Sat

1 2

3 4 5 6

Disability Insurance

8:30 - 12:10

7 8 9

10 11 12

Annuity Compliance 8:30 - 12:10

13Property

& Casualty Pre-Licensing

Day 1 8:30 - 4:30

14 ACSR #3

Personal Lines Related

Coverages 8:30 - 4:30

15 16

17 18 19Property

& Casualty Pre-Licensing

Day 2 8:30 - 4:30

20 21

ACSR #11 Health

Insurance 8:30 - 4:30

22Property

& Casualty Pre-Licensing

Day 3 8:30 - 4:30

23

24 25 26Property

& Casualty Pre-Licensing

Day 4 8:30 - 4:30

27 28 29Property

& Casualty Pre-Licensing

Day 5 8:30 - 4:30

30

June 2012

A COMPLETE ANNUAL CALENDAR CAN BE OBTAINED ON THE “EDUCATION” PAGE OF OUR WEBSITE

CONNECTICUT CONTINUING EDUCATION REQUIREMENTS

All resident agents are subject to continuing education for every line of authority.

The Connecticut Insurance Department has an extensive website (www.ct.gov/cid) offering information on licensing, forms, statutes, regu-lations (proposed and finalized) Please take advantage of this web site for valuable information.

Individual transcript information can be obtained by accessing www.sircon.com. Once on the website, select “For Individual Agents” from the “Products and Services” menu. Under “Quick Start for Agents” (at the top of the page) select “Look Up Education Courses / Credits.” This will bring you to an “Inquiries” page. Select “Continuing Education Transcript Inquiry.” Select “Connecticut” from the drop-down menu. Enter your license number and last name and click “submit.” You will now be able to view and print your transcript. Please note that transcripts are only accessible using producer license numbers. Social Security numbers are no longer usable.

Flood Insurance Course Requirement Newly licensed agents are required to complete a flood program course during their first compliance period.

A COMPLETE CALENDAR CAN BE OBTAINED ON THE “EDUCATION” PAGE OF OUR WEBSITE

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 14

This year RLI has been working hard to provide you with

the tools you need to place coverage with them. They

have added Uninsured Motorist coverage, The PUP ACCESS

system to monitor your RLI business, the PUP Special rating

tier that allows placement of your more difficult to place

prospects and as always, they will write coverage over

households with no personal automobiles.

Another improvement is RLI’s new easy to use website,

www.rlipersonalumbrella.com. Please add it to your fa-

vorites list! This is something many of you asked for and

RLI has delivered a site that is simple and easy to get a

quote quickly.

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 15

2012 IIAC EVENTS

Spring Conference

Sponsored by the IIAC Young Agents Committee May 2, 2012

Wethersfield Country Club, Wethersfield, CT

Annual Dinner Meeting and Installation of Officers

June 7, 2012 St. Clement’s Castle, Portland, CT

23rd Annual Golf Tournament

Sponsored by the IIAC Young Agents Committee August 2, 2012

Blackledge Golf Course, Hebron, CT

Mid-Year Convention November 8, 2012

Aqua Turf Club, Plantsville, CT

Additional information and registration forms for the above events can be obtained by clicking on the event name above, going to the “Events” page of our website or by contacting Tracy Hearn at 860-563-1950 or emailing to thearn@iiac.org.

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 16

Big “I” Professional Liability As a member of your state association, you have access to the Big “I” Professional Liability program, the most respected and comprehensive program in the business offering a variety of insurance agent’s E&O products that are hand-selected for their superior reputation and exceptional performance. With comprehensive rates and a long-term market, the Big “I” Profes-sional Liability program is properly positioned to meet your professional needs, protecting the future of your agency. www.iiact.org - Member Resources page / Or call Laura Szatkowski at 860-563-6510

Big “I” Markets Exclusively available to Big “I” members, IIABA’s online market access program features specialty/niche coverages, program business and hard-to-find markets. Unlike similar programs, there are no registration fees, no volume commitments and competitive commissions. www.bigimarkets.com

Big “I” Flood Big “I” Advantage operates as a managing general agency and agents participate as sub-producers for the Big “I” Flood Pro-gram. Selective Insurance Company is our provider for this NFIP Write-Your-Own program and they make writing flood insur-ance easy and profitable leaving the method of quoting up to the agent. www.independentagent.com/flood.

Big “I” Retirement/Benefits Having trouble deciding which retirement plan is right for you or your agency? Big "I" Retirement Services is here to help you choose which plan best meets your circumstances. They offer quality investments, state of the art administration and the support of your association as an advocate for your agency. Look to us also for Group Long Term Disability, Group Short Term Disability and Group Term Life Insurance. www.independentagent.com/retirement .

RLI RLI's Personal Umbrella Policy stands atop your client’s existing homeowner and auto insurance to provide an extra layer of personal liability protection. With RLI's PUP program, auto or home coverage can be maintained with any insurance company provided the mandatory minimum underlying coverage limits are met. RLI’s @Home Business policy, responds to the needs of over 100 eligible business classes on an ISO BOP form. Premiums starting at $150, competitive commissions, easy under-writing and a self-rating application should makes this product an easy sell. www.iiact.org - Member Resources page / or call Rose Mullaly at 860-563-6510.

Business Resources Enjoy group discounts for a variety of services to assist in managing your agency. Caliper (employee testing) ; DHL (express delivery); Mines Press (printing); Big “I” Store (logowear); Hertz (car rental); Artizan Internet Services (Service 911, CSR 24). www.independentagent.com.

OF ALL YOUR MEMBERSHIP HAS TO OFFER??

ARE YOU TAKING

ADVANTAGE

??

?? Big “I” Advantage Programs

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 17

InsurBanc InsurBanc is an independent community bank founded by agents exclusively for agents. You can rely on InsurBanc for custom products designed to underwrite your success, like acquisition and perpetuation financing and cash management services perfectly suited to the way you do business. www.insurbanc.com.

Virtual University www.independentagent.com/vu

Research Library For those who seek a smarter way to research, the VU provides access to hundreds of insurance, business and technology articles written by volunteer faculty and other contributors. Technical insurance articles and white papers on issues affecting today’s marketplace, often include links to full sample ISO forms. Resources in the VU are limitless.

Ask an Expert Service Sometimes you need answers to questions that can't be found in the research library. To help with these "just in time" is-sues, we have assembled a faculty of leading experts from around the country. Big "I" Members can submit questions to our "Ask an Expert" service and a response is usually sent within 3-5 business days, but often sooner.

Online Courses The VU offers a wide variety of online classes to enhance and expand insurance technical and business skills. Many designa-tion programs are also available through the Virtual University.

Best Practices The Best Practices program provides member agents with meaningful performance benchmarks and business strategies that can be adapted to improve the performance of your agency, thus enhancing agency value.

Trusted Choice®

In a world full of millions of media messages each day, differentiating the services of independent agents and brokers to con-sumers is critical. Trusted Choice®, the national consumer branding program sponsored by the Big “I”, uniting more than 10,000 independent agency locations and 53 insurance companies. Based on extensive consumer and industry research, Trusted Choice® highlights the value of the independent agent distribution channel: choice, customization and advocacy. www.trustedchoice.com

Governmental Affairs The Big “I” is your advocate on the issues that matter to your success, whether the issues occur in state legislatures, Washing-ton D.C., your state insurance department, the NAIC, or the judicial system. Through common-sense, pragmatic legislative initiatives, we seek to protect your business while keeping the consumer in mind.

OF ALL YOUR MEMBERSHIP HAS TO OFFER??

ARE YOU TAKING

ADVANTAGE

??

?? Big “I” Advantage Programs

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 18

2011 - 2012 Officers

Chairman Tom Wilson

The Wilson Agency, Shelton

Chairman-Elect Michael Gergler, CIC

Wilcox & Reynolds, Storrs

Treasurer Jim Suzio, CIC

Suzio Insurance Center, Inc., Meriden

Secretary Kim McGillicuddy, CPCU

Pierson & Smith, Inc., Norwalk

State Director Jay Byrnes

Byrnes Agency, Dayville

IIAC Committees The Independent Insurance Agents of Connecticut has several committees which are dedicated to furthering both the benefits of membership and the professionalism of individuals within the insurance industry. Committee members are volunteers who are either an owner or an employee of a member agency. IIAC is always looking for new individuals to serve on its committees. If you are interested in becoming a committee member, please com-plete the information below and return this form to: IIAC, 30 Jordan Lane, Wethersfield, CT 06109 or email to the committee staff liaison

Name: ___________________________________________________________________________________

Agency & Full Address: ______________________________________________________________________ Phone: (______)__________-__________ E-Mail: _____________________________________________

Indicate Committee: ________________________________________________________________________

Education Committee – members help create IIAC programs and locate teachers and resources. Staff Liaison, Ed Meaney, emeaney@iiac.org Executive Committee – members must be a principal in an IIAC member agency and are part of the governing body of the association. Membership on the committee is limited and must be voted upon by the Board of Direc-tors. Staff Liaison, Warren C. Ruppar, wruppar@iiac.org Technical Committee – members analyze current industry topics and issues, make recommendations on how to handle, and funnel information to the Education Committee to create programs. Staff Liaison, Ed Meaney, emeaney@iiac.org Young Agents Committee – members create networking programs to promote young professionals in the insur-ance industry. Staff Liaison, Tracy Hearn, thearn@iiac.org

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 19

Absolute Logic 917-658-9008

www.absolutelogic.com

ACE Private Risk Services 860-828-7931

www.aceprivateriskservices.com

Agency Intermediaries, Inc. 203-453-2859

www.agencyint.com

Agility Recovery 704-341-8700

www.agilityrecovery.com

American Integrity Restoration 860-657-2100

www.ctrestoration.com

Arthur J. Gallagher Risk Management Services, Inc. 860-560-2766 www.ajg.com

Astonish Results, LP 401-440-5955

www.astonishresults.com

Broadway Premium Financing 800-728-7255

www.broadwaypremium.com

Capitol Bail Bonds, LLC 860-899-1956

www.capitol-bail-bonds.com

CATIC Exchange Solutions, Inc. 860-513-3131

www.caticexchange.com

Chroma Building Corporation 203-602-8838

www.chromabuilding.com

Connecticut Interlocal Risk Management Agency 203-498-3000

www.ccm-ct.org/insurance/

Connecticut Underwriters, Inc. 860-347-9600

www.ctunderwriters.com

Crystal Restoration Services 203-853-4179

www.crystal1.com

Paul Davis Restoration 860-539-0911

www.pdrestoration.com

Deep South 410-771-0682

www.deep-south.com

Empire State Brokerage Services 203-798-0067

www.empirebrokerage.com

Fairfield County Bank 203-431-7527

www.fairfieldcountybank.com

W. Ford Agency, Inc. 203-549-0005

www.wfordagency.com

Gill and Roeser Holdings, Inc. 212-972-3306

www.grholdings.com

Glass America 860-444-6344

www.glassusa.com

HSB Associates, Inc. 860-722-5539 www.hsb.com

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join” page of our website or

contact Rose Mullaly at 860-563-1950 or email rmullaly@iiac.org

ASSOCIATE MEMBER INSURANCE BROKERS AND SERVICES

(Click on the website for a direct link)

ASSOCIATE MEMBER INSURANCE BROKERS AND SERVICES

(Click on the website for a direct link)

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 20

Hybrid Insurance Agency 860-688-440

www.hybridins.com

Insurance Agency Accounting & Bookkeeping 860-614-7268

www.brendadicarlollc.com

Insurance Engineering Solutions 860-429-5156

www.insuranceengineeringsolutions.com

InsurBanc 866-467-2262

www.insurbanc.com

Iroquois of Connecticut, Inc. 860-621-8412

www.iroquoisct.com

Kapura Cleaning & Restoration 860-747-2100

www.kapurarestoration.com

Lyons Solutions, LLC 860-559-3194

www.lyonssolutions.com

Joseph Krar & Associates 860-628-3967

www.jkrar.com

J.P. Maguire Assoc., Inc. 800-233-8220

www.jpmaguire.com

McGrath Insurance Group, Inc. 508-347-6850

www.mcgrathinsurance.com

Anthony J. Martini & Co., Inc. 203-445-6640

www.thatsmybroker.com

Maynard Insurance Group 203-318-0008

maynardinsgrp@yahoo.com

Mergers & Acquisition Services 212-750-0630

www.merger-acquisition.net

Oakbridge Insurance Services 860-906-0120

www.oakbridgeins.com

Plymouth Glass & Mirror 860-283-0276

www.plymouthglass.com

JN Phillips Auto Glass 781-939-3400

www.877autoglass.com

Premium Assignment Corp. 603-421-1953

www.premiumassignment.com

Pro-Klean Cleaning & Restoration Services, Inc. 866-463-2313

www.pro-klean.com

PuroClean Mitigation Services 860-516-8083

www.puroclean.com

Renaissance Group, Inc. 860-307-2957

www.renaissanceins.com

ASSOCIATE MEMBER INSURANCE BROKERS AND SERVICES

(Click on the website for a direct link)

ASSOCIATE MEMBER INSURANCE BROKERS AND SERVICES

(Click on the website for a direct link)

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join” page of our website or

contact Rose Mullaly at 860-563-1950 or email rmullaly@iiac.org

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 21

Servicemaster QRV Regional Group 203-386-1565

www.servicemastergb.com

ServiceMaster by Wills 860-447-3265

www.servicemasterbymason.com

SERVPRO Cleaning and Restoration of New Haven, Waterbury & Naugatuck Valley

1-800-243-8812 www.servproofnewhaven.com

SERVPRO of Manchester-Bolton 860-649-0836

www.servproofwesthartford.com

Steamatic of CT 203-985-8000

www.steamaticct.com

TAPCO 800-334-5579

www.gotapco.com

Target Insurance Services 860-284-0088

www.target-capital.com

Thompson Agency, Inc. 860-693-4999

www.thompsonagency.net

Travel Insured International, Inc. 860-528-7663

www.travelinsured.com

United Cleaning & Restoration, LLC 800-835-0740

www.unitedcr.com

XS Brokers Insurance Agency, Inc. 617-471-7171

www.xsbrokers.com

Acadia Insurance Company 860-331-2391

www.acadiainsurance.com

American Commerce Insurance Company A MAPFRE Company

603-888-8900 www.acilink.com

AmTrust North American, Inc. 860-257-7286

www.amtrustgroup.com

The Andover Companies 860-257-7286

www.andoverco.com

Central Mutual Insurance Company 877-281-4941

www.central-insurance.com

Chubb & Son Insurance 203-782-4115

www.chubb.com

C N A Insurance 860-513-6460

www.cnacentral.com

Connecticut Fair Plan 860-528-9546

www.ctfairplan.com

FirstComp 888-500-3344

www.firstcomp.com

Great N.Y. Mutual Insurance Company 860-652-7090 www.gny.com

Guard Insurance Group 570-825-9900

www.guard.com

Harleysville Worcester Insurance Company 800-225-7387

www.harleysvillegroup.com

ASSOCIATE MEMBER INSURANCE COMPANIES

(Click on the website for a direct link)

ASSOCIATE MEMBER INSURANCE BROKERS AND SERVICES

(Click on the website for a direct link)

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join” page of our website or

contact Rose Mullaly at 860-563-1950 or email rmullaly@iiac.org

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 22

The Hartford 860-409-6150

www.thehartford.com

HCC Global Financial Products 860-674-1900

www.hcc-global.com

Kemper, A Unitrin Business 203-775-5846

www.ekemper.com

MEMIC 207-791-3370

www.memic.com

MetLife Auto & Home 860-668-2699

www.metlife.com

MiddleOak 860-638-5132

www.middleoak.com

New London County Mutual 860-887-3553

www.nlcinsurance.com

NGM Insurance Company 603-358-1352

www.msagroup.com

Ohio Mutual Insurance 419-563-0959

www.omig.com

Peerless Insurance 860-571-2201

www.peerless-ins.com

Pennsylvania Millers Ins. Co. 860-677-8488

www.pennmillers.com

Plymouth Rock Assurance Corporation 860-681-2766

www.plymouthrock.com

PMA Insurance 203-379-3825

www.pmagroup.com

Progressive Insurance Company 800-274-4055

www.progressiveagent.com

QBE 860-570-0802

www.qbeamericas.com

Quincy Mutual Fire Insurance 671-770-5171

www.quincymutual.com

Safeco Insurance 603-358-4156

www.safeco.com

State Auto Insurance Companies 860-633-4678

www.stateauto.com

Travelers 860-277-6948

www.travelers.com

Utica National Insurance Group 800-695-1914

www.uticanational.com

ASSOCIATE MEMBER INSURANCE COMPANIES

(Click on the website for a direct link)

ASSOCIATE MEMBER INSURANCE COMPANIES

(Click on the website for a direct link)

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits, please visit the “Join” page of our website or

contact Rose Mullaly at 860-563-1950 or email rmullaly@iiac.org

Independent Insurance Agents of Connecticut - www.iiact.org - May 2012 Page 23

WHO ARE THE INDEPENDENT INSURANCE AGENTS OF CONNECTICUT?

The Independent Insurance Agents of Connecticut was founded in 1899 as the Connecticut Association of Local Fire Insurance Agents. The organization’s name was changed in 1913 to the Connecticut Association of Insur-ance Agents. This name was considered more representative of the membership due to the expansion of the property-casualty business coverages and the increased presence of casualty and surety agents. In 1975 the organization became The Independent Insurance Agents of Connecticut to emphasize its members abilities to work with a variety of insurance companies and industry representatives. The Independent Insurance Agents of Connecticut has always been in the lead on important issues for agents. The list is long as IIAC has worked with regulators and the insurance industry on important issues such as agent licensing, anti-rebate laws, ownership of expirations, banking and insurance, and agent compensation to name a few. Today IIAC offers a wide variety of products and services to its members. The education calendar offers a full assortment of choices for licensing, continuing education and advanced degree programs. In addition, IIAC of-fers several insurance programs for our members that can be purchased to protect their agency business and insurance products that members can sell to their customers. IIAC also offers technical and regulatory assistant to our members. Technical advice is available at the staff level and through the Virtual University where you can “Ask The Expert.” In addition, IIAC meets regularly with the Insurance Commissioner and department staff to discuss current market conditions and consumers issues. IIAC is a strong advocate for independent agents at our state capital and in Washington D.C. Whatever the is-sue may be, IIAC is the voice for independent agents as we represent the interests of our membership. Our na-tional association, IIABA is a predominant lobbying force in Washington and is constantly ranked among the top 10 of all the lobbying groups in the United States. The Big “I” mission succinctly captures our purpose: “to pro-vide independent agents with a sustainable competitive advantage.” To accomplish that, IIAC is the unrelent-ing advocate on the issues that shape the environment in which our membership conducts business. IIAC is the voice in the halls of Congress, the state capital and in boardrooms across the nation.

INSURPAC

InsurPac is the Political Action Committee (PAC) of the Independent Insurance Agents & Brokers of America (IIABA). It represents the unified political voice of IIABA's 23,000 member agencies and 300,000 agents and brokers nationwide. It is the largest property-casualty insurance industry PAC in the country, and is one of the primary reasons the Big "I" is rou-tinely rated among the most successful lobbying groups in Washington, DC.

"Lobbying and a well-funded PAC go hand-in-hand," says Charles Symington, IIABA's Senior Vice President of Government Affairs. "InsurPac's voice resonates through the halls of Congress on behalf of the Big "I". Every elected official knows that a contribution from InsurPac is a contribution from 23,000 small business owners."

InsurPac raises funds by asking for voluntary personal contributions from independent agents and brokers throughout the country. By pooling money together, InsurPac helps elect candidates and re-elect members of the U.S. Congress who share IIABA's business philosophy.

This concept of pooling personal contributions together for the greater good is essential to understanding the importance of PACs. As an individual, you can make the average contribution of $200 to a Congressman, or you can invest that $200 in a PAC, which in turn combines that with 9 other donors and gives the same Congressman $2,000. At the end of the day, PACs are able to speak with a collective voice that is much louder than that of an individual. It is impossible to overvalue the power of a collective voice -- of a collective InsurPac speaking on behalf of the Independent Agency system.