The Connecticut Independent Agent

June 2012

The Connecticut Independent Agent

This Issue’s Features

Legislative Report 03 - 04 National Flood Insurance Program Extended 60 Days 04 Young Agents Spring Conference Overview 05 The E&O Corner - Some Social Media Concerns for an Agency or Brokerage to Consider 06 Month In Review 04 Insurance Department Bulletins Department of Labor Annual Membership Meeting & Installation of Officers 09 NEW IIAC Member Benefit Introduced! 10 Connecticut Small Business Forum 11 23rd Annual IIAC Golf Tournament (Sponsored by the IIAC Young Agents Committee) 12 RLI Stand Alone Personal Umbrella 15 Swiss Re 15

In Every Issue June and July Continuing Education Courses 13 Events 16 Big “I” Advantage Programs 17 About Us 22

Associate Member Index Associate Members - Insurance Brokers & Services 18

Associate Members - Insurance Companies 20

“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

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

HB05427 - AN ACT CONCERNING NOTICE TO THE ATTOR-NEY GENERAL OF DATA SECURITY BREACHES INVOLVING THE DISCLOSURE OF PERSONAL INFORMATION To require that persons who own, license or maintain com-puterized data that includes personal information immedi-ately notify the Attorney General in the event of a breach of security relating to such data. HB05386 - AN ACT CONCERNING REVISIONS TO THE IN-SURANCE STATUTES To revise various insurance statutes to clarify and enhance the Insurance Department's regulatory authority. SB00318 - AN ACT CONCERNING SINGLE LIMIT LIABILITY PASSENGER MOTOR VEHICLE INSURANCE POLICIES To prohibit insurers from offering single limit of liability automobile liability insurance policies for passenger motor vehicles. HB05231 - AN ACT CONCERNING AUTOMOTIVE GLASS WORK To require an insurance company doing business in this state, or agent, adjuster or third-party claims administrator for such company to provide additional disclosures to an insured regarding such insured's right to choose a licensed repair shop or glass shop where such insured's motor vehi-cle physical damage or automotive glass work will be per-formed. SB00090 - AN ACT ESTABLISHING A LOAN PROGRAM FOR THE REMOVAL OF HAZARDOUS TREES FROM PRIVATE PROPERTY To require insurers that deliver or issue for delivery in this state a homeowners insurance policy or a commercial gen-eral liability insurance policy to establish a program to pro-vide loans to policyholders for proactive tree removal on residential or commercial property, and to require town tree wardens, borough tree wardens, city foresters or city officers with similar duties to inspect trees on residential or commercial property that pose a present or potential haz-ard.

The 2012 Connecticut legislative session ended at midnight on May 9, 2012. IIAC tracked numerous insurance related bills and the following is a report of which bills passed and which proposals failed.

The following bills passed the House and Senate: HB05230 - AN ACT CONCERNING VARIOUS CHANGES TO PROPERTY AND CASUALTY INSURANCE STATUTES To make various changes to property and casualty insur-ance statutes including language on the use of a hurricane deductible. HB05233 - AN ACT CONCERNING WORKERS' COMPENSA-TION FOR FIREFIGHTERS To provide a firefighter with workers' compensation bene-fits for post-traumatic stress disorder that resulted from such firefighter witnessing the death of another firefighter in the line of duty. HB05143 - AN ACT CONCERNING INSURANCE COVERAGE FOR PERISHABLE FOOD DONATED BY CERTAIN FOOD ESTABLISHMENTS To require insurers that provide coverage to a food estab-lishment for spoilage of perishable food to cover to the same extent perishable food that such establishment do-nates to an emergency shelter, and to extend immunity to such establishments for such donation. HB05011 - AN ACT CONCERNING THE LEGISLATIVE COM-MISSIONERS' RECOMMENDATIONS FOR TECHNICAL AND MINOR CHANGES TO THE INSURANCE STATUTES To make technical, conforming and minor changes to the insurance statutes.

The following proposals were not approved by the legislature and therefore have failed: HB05485 - AN ACT CONCERNING THE CONNECTICUT HEALTH INSURANCE EXCHANGE To make various changes to the duties of the Connecticut Health Insurance Exchange, to require the Insurance and Real Estate Committee to select the benchmark plan for purposes of establishing the standard for qualified health plans and plans sold outside the exchange and to require the General Assembly to approve such selection.

2012 LEGISLATIVE REPORT

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

NATIONAL FLOOD INSURANCE PROGRAM EXTENDED 60 DAYS Full Senate to consider the “Flood Insurance Reform and Modernization Act” in early summer

The Independent Insurance Agents & Brokers of America commended Congress for passing a 60-day extension of the Na-tional Flood Insurance Program (NFIP). The U.S. House of Representatives passed the 60-day extension on May 30th after the Senate passed it last week by unanimous consent. Absent Congressional action the NFIP was set to expire at midnight on May 31st.

The 60-day extension legislation also contains one policy provision that would remove the subsidies granted to second homes and vacation homes by the NFIP. This provision was included in order to ensure the measure gained unanimous con-sent in the Senate and is also a part of the long-term extension and reform bills in the House and Senate, both of which the Big “I” strongly supports. “The Big ‘I’ commends the House and Senate for passage of this 60-day extension in order to prevent an expiration of the NFIP,” says Charles E. Symington Jr., Big “I” senior vice president for government affairs. “We urge President Obama to sign this legislation into law before the scheduled expiration tomorrow.”

In addition to the passage of this short-term extension, an agreement has been reached in the Senate for the floor considera-tion of S. 1940, the “Flood Insurance Reform and Modernization Act.” This legislation, which would extend the program for five years and make needed reforms, was reported by the Senate Banking Committee unanimously late last year but has not yet been considered by the full Senate. The House overwhelmingly approved similar legislation last summer. “Congressional passage of a short-term extension was made possible by a deal reached in the Senate to finally consider S. 1940, legislation that provides a long-term extension and reform of the NFIP,” says Symington. “We urge Senate leadership to follow-through on this agreement and schedule time for consideration of this important legislation as soon as the Senate returns from its Memorial Day recess.”

2012 LEGISLATIVE REPORT (continued from page 3)

SB00017 - AN ACT CONCERNING MILEAGE-BASED AUTO-MOBILE INSURANCE POLICIES To establish standards for private passenger non-fleet auto-mobile insurance policies that use verified actual mileage as a factor in underwriting or rating.

HB05010 - AN ACT CONCERNING THE DISCLOSURE NOTICE FOR SURPLUS LINES INSURANCE POLICIES To require insurers to report annually to the Insurance Commissioner the number of homeowners insurance poli-cies and private passenger nonfleet automobile insurance policies in force in the state by zip codes, to change the re-quirement for an affidavit for a surplus lines policy to a signed statement, and to add language to the disclosure statement required on the cover of a surplus lines insur-ance policy form.

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

IIAC Young Agents Spring Conference Overview

On May 2, 2012 the IIAC Young Agents Committee held their annual Spring Conference at the Wethersfield Coun-try Club in Wethersfield, CT. Nearly 100 agents were in attendance at the conference which provided 4 continuing education credits. The program consisted of 4 separate topics:

Agency E&O Considerations when Social Networking – Presented by Sabrena Sally, SVP SwissRe Insurance and Christopher Weldon, of the law firm Keidel, Weldon & Cunningham, LLP. Sabrena and Chris examined how social media networking is expanding the ways that insurance agents and brokers do business and the likely E&O risks flowing from the use of social media. They also presented attendees with E&O loss techniques to neutralize the exposures that result from taking advice / transactions out of the normal agency processes. To read an article related to this topic, please see the “E&O Corner” on page 6 of this magazine.

Flood Insurance: Federal Regulations & Laws - Doug Platt, Territory Manager at Selective Insurance reviewed NFIP regulations and laws as they pertain to the insurance agent when placing Flood Insurance for their customers.

Consumer Agent Portal (CAP) – the E&O Pitfalls of Web Based Marketing - Paul Martin, CPCU, IIABA State Asso-ciation Liaison for CAP discussed how digital marketing is the growing way that consumers purchase insurance and how understanding the pitfalls of having a presence on the internet can prevent possible E&O Claims.

National Legislative Update - Spencer Houldin, a member of the IIABA Executive Committee, updated attendees on current national legislative issues that pertain to the insurance industry.

The Young Agents Committee would like to thank the instructors for volunteering their time and expertise on each topic presented. They would also like to thank their 2012 Annual Sponsors. It is their sponsorship that makes it possible for quality programming to be brought to the IIAC membership at an affordable price.

Clicking on the Sponsors name will link you to their website

PROMOTER LEVEL

Connecticut Underwriters, Inc.

Crystal Restoration Services of Connecticut

Independent Agents Services

Pro-Klean Cleaning & Restoration Services, Inc.

S.H. Smith & Company, Inc.

Acadia Insurance

Bunker Hill Insurance

Coastal Agents Alliance, LLC

Glass America

The Hartford

MetLife Auto & Home

New England Excess Exchange

PARTNER LEVEL The Andover Companies

Central Mutual Insurance

Charles S. Carillo Insurance Agency

Chubb Group of Insurance Companies

Computer Rescue, Inc.

Enviro-Clean, Inc.

John A. Woods Appraisers

Quincy Mutual Group

New London County Mutual Insurance Companies

Northeast Surety, LLC

Plymouth Rock

Selective Insurance Company of America

Servpro of Norwich

Travelers

Utica National Insurance Group

CONTRIBUTOR LEVEL

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

and how the information will be used (e.g., for quotation purposes). The customer/prospect should also be ad-vised as to how the informa-tion they provide is pro-tected and that it will not be shared with any third-parties without their consent. These are just some of the points that should be addressed in any well-crafted privacy policy. The last issue to be addressed with any privacy statement is where it should be placed in your social media website, such as Facebook and Linkedin, or even on the company’s website. Like any disclaimer, a privacy statement should be placed in an open and conspicuous place on the social me-dia and/or company website. An agency or brokerage may want to consider the use of a hyper-link to provide access to the privacy statement. If a hyper-link is used, it should be easily identified.

II. Some Elements to Consider in any Social Media Disclaimer

With respect to disclaimers and social media websites, your agency or brokerage should make sure that the following key elements are included in any disclaimer utilized:

1. The social media website is subject to change and/or amendment without notice;

2. The agency or brokerage makes no representation of any kind, express or implied, as to the completeness, accuracy, reliability, suitability or availability of the in-formation provided via the social media website;

3. The agency or brokerage assumes no liability for loss or damage, including without limitation to indirect conse-quential loss or damage arising from utilizing the infor-mation provided on the social media website;

4. The agency or brokerage assumes no liability for loss or damage for temporary or permanent unavailability of the social website;

The above is not intended to be an exhaustive list of what should be included in a disclaimer when developing an agency or brokerage’s social media website. Please note that, even with the appropriate disclaimers, there is no guarantee that an agency and/or brokerage can avoid all potential claims when utilizing social media as a means of communication.

The E&O Corner is authored by James C. Keidel, Esq., Christopher B. Weldon, Esq., Lori A. Eaton, Esq., and Darren Renner, Esq. of Keidel, Weldon & Cunningham, LLP.

SOME SOCIAL MEDIA CONCERNS

FOR AN AGENCY OR BROKERAGE TO CONSIDER

Over the past year, Keidel, Weldon & Cunningham, LLP has presented a number of seminars to insurance agents and brokers on the subject of social and digital media and what potential issues arise when agents and brokers venture into this area. This article will focus on several issues agents and brokers should consider in connection with the use of social and digital media. Specifically, we will discuss pri-vacy concerns when using social media, the elements you should consider in any social media disclaimer, what may constitute advertising in social media, and how non-compete agreements are affected by social media.

I. Privacy Concerns with Social Media

As more and more insurance agencies and brokerages dive into social media, they need to be cognizant of the privacy issues raised by social media and the concerns their cus-tomers may have in communicating through social media. While social media is good for group discussion on issues important to the group it should not be used to carry-on a conversation with a client who has a particular issue or con-cern. At the point where a social media communication with a client turns to a personal issue, this must be the time that your agency or brokerages realizes the conversation must be taken out of the social media arena and placed into the agency environment either in person, by telephone or through email.

For those agencies and brokerages that utilize an interac-tive website to collect information from their customers and/or prospects, the customers and prospects want to know what will happen to the personal information that they provide. An interactive website helps personalize the insurance transaction experience, improves customer ser-vice; allows the agency/brokerage to process transactions and to send email notifications of other products if the cus-tomer/prospect opts-in. In collecting customer informa-tion, an agency or brokerage should have a privacy policy outlining what the agency or brokerage may do with the personal information they collect.

A customer/prospect should be informed as to what infor-mation the agency/brokerage collects and intends to retain

The E&O Corner

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

with the person making the post. Thus, a concern has arisen with employers on the way to fashion non-compete agreements so as to protect the agency/brokerage from an employee using his or her social media client list to take agency or brokerage customers following the termination or separation of employment. The simple fix here is to make sure that your agency and/or brokerage’s non-compete agreement addresses social media concerns. For example, an easy way to obtain protection from an em-ployee soliciting business through their social media outlets is to add language similar to the following: “the employee covenants and agrees that during the employment and for a period of three years after the employment ends, regard-less of the reason for separation, the employee will not, di-rectly or indirectly, including but not limited to social media, contact, solicit or attempt to solicit any business of the agency or brokerage’s customers, prospects or vendors with whom the employee had material contact during the last two years of his employment with the agency or broker-age.” Tying the social media limitation into your non-compete agreement will help protect the agency or broker-age from former employees utilizing social media to solicit clients and prospects once they leave the agency.

As you can see from above, social media has raised some new issues and concerns for agencies and brokerages. If social media is utilized correctly it can become an asset to develop and grow your agency or brokerage business. However, if utilized incorrectly and without adequate safe-guards, social media can create potential problems for an agency or brokerage. The prudent insurance agency or bro-kerage should be sure to consider the issues we have raised in this edition of the E&O Corner when venturing into the social media arena. Doing so will help protect the agency or brokerage from a potential claim, lawsuit or regulatory issue.

Copyright 2012, Keidel, Weldon & Cunningham, LLP All rights reserved

Keidel, Weldon & Cunningham, LLP concentrates its prac-tice in the defense of insurance agents and brokers errors and omissions litigation and insurance coverage litigation. Kindly direct comments to Christopher B. Weldon at the Wilton, Connecticut office of Keidel, Weldon & Cunning-ham, LLP at 190 Old Ridgefield Road, Wilton, CT 06897 or to James C. Keidel at the New York office of Keidel, Weldon & Cunningham, LLP at 925 Westchester Avenue, Suite 400, White Plains, NY 10604.

III. Can a Post on a Social Media Website Consti-tute an Advertisement, and Other Issues Raised by Such a Post?

While agencies and brokerages want to publish their suc-cesses on their social media pages to let customers and prospects know what the agency or brokerage may do for them, it is important to understand that such a post may possibly be considered an advertisement and require the agency or brokerage to comply with all state laws and regu-lations governing advertising. For example, in a recent in-surance agent post, the agency stated the following: “We just saved John Smith $200 on his auto insurance policy and we can help you experience a similar savings.” After finding that the post constituted an advertisement, one state regu-latory body questioned how the agency saved the insured $200. It was learned during the investigation that the sav-ings arose from John Smith not only procuring an auto pol-icy from the agency but also purchasing his homeowners which provided a package discount. The state investigating this post believed that the post may be considered mislead-ing as it seems to indicate that the insured saved money just by purchasing his auto policy through the agency. The concern here, and with any similar posting, is that it may be considered to be in violation of the state’s unfair trade and/or unfair competition laws which specifically outline the fact that publishing content that misleads the public will be considered a violation of those laws.

Interestingly, there is one state that looked at these types of testimonials on social media posts and found that they are advertisements which must comply with all state adver-tisement laws and regulations, including the listing of the insurance carrier’s full name and the city and state of its principal office. Thus, if your agency or brokerage decides to use these types of testimonials to describe its successes, the agency or brokerage must ensure that such testimoni-als comply with state laws and regulations on advertise-ments in those states where your agency or brokerage is licensed and in each state where the post may appear on your social media website.

IV. What Should be Considered with Non-Compete Agreements and Social Media

Social media has raised a unique issue with Non-Compete Agreements. Specifically, producers are creating client lists on their social media pages. For example, Linkedin and Facebook are a connection between a person and all the people that person wants to be connected to on those websites. Normally, when social media websites are used for work, those connections are the person’s client list and are used as a means to advise that client list of changes

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

MONTH IN REVIEW

Insurance Department Bulletins & News Releases

Insurance Department Expands Consumer Outreach With Series of Short Educational Videos

“3-on-3” co-produced with Capital Community College On May 11th, Insurance Commissioner Thomas B. Leonardi announced that the Connecticut Insurance Department (CID) is providing consumers with more educational tools on insurance through a series of short videos that range from filing a com-plaint to health care reform. In collaboration with television production students at Capital Community College, the CID produced a studio show titled, “3-on-3 with the CID.” The shows, hosted by local television broadcaster Darren Sweeney, feature Department experts who discuss three timely consumer topics in three minutes. The videos are airing on the CID’s YouTube channel. “This is another important resource we are able to use to reach consumers and help them understand insurance issues that matter to them and their bottom line,” Commissioner Leonardi said. “We are grateful for the good work of the Capital Com-munity College students who helped create these videos.” This is the second collaborative outreach project between CID and the college. A public service announcement on disaster insurance coverage was produced in the fall semester and is also airing on the CID YouTube channel.

Unemployment rate stable at 7.7 percent; jobs drop off by 4,100

Department of Labor

Preliminary April employment estimates show Connecticut continues to experience reversal from strong winter job growth in April by declining 4,100 total nonfarm jobs even while the unemployment rate held steady at 7.7%. The unemployment rate, unchanged at 7.7% this month, is down 1.3 percentage points over the year. The number of unemployed in the state dropped 1,000 this month and is now lower by 25,300 since April 2011. “The decline in both monthly and annual job growth numbers in April is disappointing, but unusual seasonal patterns this past winter into spring make these numbers difficult to interpret,” noted Andy Condon, Director of Office of Research. “Despite variability in growth from month to month we still appear to be on a path of positive, albeit modest job growth.” To link to the Connecticut Department of Labor Market Information page, please click here.

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

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

Reservations can still be made by contacting Tracy Hearn at 860-563-1950 or thearn@iiac.org

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 can still be made by contacting Tracy Hearn at 860-563-1950 or thearn@iiac.org

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

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

A simple, but powerful reward. Thousands of leading merchants, everyone from Best Buy and Travelocity to Target and countless others, pay cash back of 1 - 40% on purchases of over 300 million products. You’ll be amazed by how quickly it all adds up! Shop. The rewards are waiting. Get cash back from 5,000 of your favorite on-line stores

and travel sites - tax free Find extra ways to save with coupons, discounts, and

other specials Pay the lowest price on the items you want Save time and gas, and avoid crowds by purchasing your

everyday needs and have them shipped right to your door.

New IIAC Member Benefit . . .

WE HOPE YOU ENJOY OUR NEW PROGRAM!

We appreciate your membership. As a way of saying 'Thank You', we’re excited to announce our new loyalty pro-gram, just for you and your employees, our valued members! Introducing a no-cost online shopping portal that pays YOU! Earn hundreds of dollars on purchases you’re already making.

Same stores you're shopping at today, just starting today you get more for your money — cash back. Download to your home / personal computer and use the shopping toolbar for your browser to make it even easier. Too good to be true? Not really. Just the benefit you deserve. Get started. A "tutorial" video is available to help you get started. (http://retailbenefits.com/video?audience=shopper). So, as a 'thank you' for your business, we are excited to offer you this new money saving program. Click SIGN UP, start shopping and start earning your cash back.

“This is a great benefit for you to use for your business and office supply needs, as well as at home for your personal shopping.” Tom Wilson, IIAC Chairman

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

Connecticut Small Business Forum Ideas, Inspiration & Solutions for Entrepreneurs & Small Business

June 15, 2012

Independent Insurance Agents of Connecticut - www.iiact.org - June 2012 Page 12

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

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

Sun Mon Tue Wed Thu Fri Sat

1 2 3 4 5 6 7

8 9 10 11 12 ACSR #2

Personal Automobile Insurance 8:30 - 4:30

13 14

15 16 17 Life &

Health Pre-Licensing

Day 1 8:30 - 4:30

18 19 Life &

Health Pre-Licensing

Day 2 8:30 - 4:30

20 21

22 23 24 Life &

Health Pre-Licensing

Day 3 8:30 - 4:30

25 AAI 83C

Agency Financial

Management 8:30 - 4:30

26 Life &

Health Pre-Licensing

Day 4 8:30 - 4:30

27 28

29 30 31 Life &

Health Pre-Licensing

Day 5 8:30 - 4:30

July 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 - June 2012 Page 15

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 - June 2012 Page 16

2012 IIAC EVENTS

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

Spring Conference Sponsored by the IIAC Young Agents Committee

Was Held on May 2, 2012 Wethersfield Country Club, Wethersfield, 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 - June 2012 Page 17

Big “I” Professional Liability As a member, 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. 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 the 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. 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. RLI’s @Home Business policy, responds to the needs of over 100 eligible business classes on an ISO BOP form. 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); Hertz (car rental); Artizan Internet Services (Service 911, CSR 24). www.independentagent.com.

InsurBanc InsurBanc is an independent community bank founded by agents exclusively for agents. www.insurbanc.com

Virtual University Research Library - For those who seek a smarter way to research, the VU provides the access. Ask an Expert Service - 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. www.independentagent.com/vu

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.

Government 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.

OF ALL YOUR MEMBERSHIP HAS TO OFFER??

ARE YOU TAKING

ADVANTAGE

??

Big “I” Advantage Programs

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

ACE Private Risk Services 860-828-7931

www.aceprivateriskservices.com

Agency Intermediaries, Inc. 203-453-2859

www.agencyint.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

Chroma Building Corporation 203-602-8838

www.chromabuilding.com

Connecticut Interlocal Risk Management Agency 203-498-3000

www.ccm-ct.org

Connecticut Underwriters, Inc. 860-347-9600

www.ctunderwriters.com

Crystal Restoration Services 203-853-4179

www.crystal1.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

Heimgartner Insurance Services, Inc. 860-436-3991

www.heimgartnerinsurance.com

The Hingham Group 781-749-0841

www.hinghammutual.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 - June 2012 Page 19

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

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

Maynard Insurance Group 203-318-0008

maynardinsgrp@yahoo.com

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 - June 2012 Page 20

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

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 - June 2012 Page 21

The Hartford 860-409-6150

www.thehartford.com

Kemper, A Unitrin Business 203-775-5846

www.ekemper.com

The Main Street America Group 603-358-1352

www.msagroup.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

Ohio Mutual Insurance 419-563-0959

www.omig.com

Peerless Insurance 860-571-2201

www.peerless-ins.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 - June 2012 Page 22

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.