the connecticut independent agent, april issue

The Connecticut Independent Agent

April 2011


This Issuersquos Features

Know Your Associationrsquos History 03

Annual Membership Meeting and Installation of Officers 04

Smart Agency - Sandbox Deacutetente 06

Big ldquoIrdquo Applauds House Passage of Repeal of Burdensome IRS Form 1099 Provision 08

Connecticut Insurance Department 09

National News 10

IIAC Monthly Bulletin Review 11

IIAC Testimony Review 13

Workersrsquo Compensation Maximums Minimums And Verifying Workersrsquo Compensation Coverage 14

Big ldquoIrdquo Virtual University Director Receives CPCU Society Award About the Big ldquoIrdquo VU 15

RC Knox 2011 Symposium 16

Errors amp Omissions Loss Control Techniques 17

Spring Conference 18

In Every Issue

April and May Continuing Education Courses 19

Events 21

Big ldquoIrdquo Advantage Programs 22

2010 - 2011 Officers 24

Committees 24

About Us 25

Associate Member Index

Associate Members - Insurance Brokers amp Services 26

Associate Members - Insurance Companies 28

ldquoThe 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

wwwiiactorg

Warren C Ruppar President

Tracy Hearn Office Manager Event Planner

Ed Meaney CPCU Education Director

Laura Szatkowski EampO Program Administrator

Rosemary Mullaly

Lawyersrsquo 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 - wwwiiactorg - April 2011 Page 3

Know Your Associationrsquos History The Independent Insurance Agents of Connecticut was founded in 1899 Since that time there have been 93 Presidents of the Association The position title was changed in 2007 from President to Chairman to conform to the IIABA National Officers position titles The slate of IIAC officers is confirmed each year at the IIAC Annual Membership Meeting and Installation of Officers This yearrsquos meeting will be held on Thursday June 16 2011 at the Saybrook Point Inn in Old Saybrook CT The eve-ning will begin with a 530 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 Res-ervations must be received by June 2 2011 The slate of incoming IIAC Officers for the 2011 - 2012 term is as follows Chairman Tom Wilson ndash The Wilson Agency Inc Shelton Chairman-Elect Mike Gergler CIC ndash Wilcox amp Reynolds Insurance LLC Storrs Treasurer Jim Suzio - Suzio Insurance Center Inc Meriden Secretary Kim McGillicuddy CPCU - Pierson amp Smith State Director Spencer Houldin ndash Ericson Agency Washington Depot

PAST PRESIDENTS CHAIRMAN OF THE IIAC

1899 - 1900 John North 1900 - 1902 Edward Beardsley 1903 - 1904 Orange Merwin 1905 - 1906 George Boyd 1907 William Hatch 1908 Wilbur Squire 1909 Charles McNeil 1910 Edwin Cowles 1911 Phillip Holzer 1912 - 1913 Dale Butler 1914 John Fisher 1915 Frederick Small 1916 - 1918 James Case 1919 J Richard North 1919 Tracy Warren 1920 - 1921 Charles Puffer 1922 - 1923 Donald North 1924 Thomas Faulkner 1925 - 1926 Louis Arnold 1927 Herbert Loewith 1927 Ennis Mallette 1928 - 1929 Frank Brodie 1930 - 1931 Walter North 1932 - 1933 Harold Hatch 1934 - 1935 Thomas Sturgess 1936 - 1937 Leonard Whelan 1938 - 1940 Henry Baily Jr 1940 - 1943 Edwin Cowles Jr 1943 - 1945 William Wiley 1947 - 1947 David North 1947 - 1948 William Dodd

1948 - 1949 William Hatfield 1949 - 1950 Paul Avery 1950 - 1951 Philip Bliss 1951 - 1952 F Chandler Moffat 1952 - 1953 Edgar Clarke 1953 G Burgess Fisher III 1953 - 1955 Valmore Forcier 1955 - 1956 Walter North 1956 - 1957 George Haynor 1957 - 1958 Eben Learned Jr 1958 - 1959 Nelson Beers 1959 - 1960 Steston Ward 1960 - 1961 Rutherford Huizinga 1961 - 1962 John Crosson CPCU 1962 - 1963 John Phelan 1963 - 1964 Herbert Bland CPCU 1964 - 1965 William Murray 1965 - 1966 Harold Polis 1966 - 1967 Bernard Burns 1967 - 1968 Abbott Abercrombi 1968 - 1969 David Ashton 1969 - 1970 E Robert Zenke 1970 - 1971 Harold Hodgdon Jr 1971 - 1972 John Maloney 1972 - 1973 John Boynton 1973 - 1974 Charles Mahon 1974 - 1975 Albert Ridinger 1975 - 1976 Anthony Erdman 1974 - 1975 Albert Ridinger 1975 - 1976 Anthony Erdman 1976 - 1977 Walter Shannon Jr

1977 - 1978 John Bassett 1978 - 1979 Charles Watson CPCU CLU 1979 - 1980 George Clarke 1981 - 1982 Gerald Greger 1982 - 1983 John Coyne Jr 1983 - 1984 John Burbank 1984 - 1985 Robert Gerardi 1985 - 1986 Jon Norris CPCU 1986 - 1987 Thomas Wylie 1987 - 1988 John Pinkney CPCU ARM 1988 - 1989 Albert Lennox 1989 - 1990 Edward Fitzgerald CPCU 1991 - 1992 Allan Tibbits 1992 - 1993 William Morgan CIC 1993 - 1994 H Dean Thorndike 1994 - 1995 Paul Jones 1995 - 1996 Frank Ridley 1996 - 1997 James Murray 1997 - 1998 Richard Bellemare 1998 - 1999 Garret Ratcliffe 1999 - 2000 J Ralph Murray 2000 - 2001 Patrick Mahon 2001 - 2002 Daniel Clock 2002 - 2003 Charlie Wilson Jr 2003 - 2004 John Scanlon 2004 - 2005 Spencer Houldin 2005 - 2006 Mary Pursell CPCU 2006 - 2007 Jay Byrnes III CIC 2007 - 2008 Craig Dawley CIC 2008 - 2009 Bill Pierz CIC 2009 - 2010 Kurt Battey


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

113th Annual Membership Meeting and

Installation of Officers

Thursday June 16 2011 ndash 530 PM at

Saint Clements Castle 1931 Portland-Cobalt Rd

Portland Connecticut

Program 530 PM Reception 630 PM Dinner Annual Meeting and Installation of Officers Price $8500 Spouse $6000

Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________

Amount Enclosed ________________

Please Indicate Meal Choice

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

______ Pan Seared Salmon with a Basil Beurre Blanc

______ Tournedos of Beef with Port Wine Demi Glaze

Reservations must be received by June 2 2011

Make checks payable to and mail to IIAC

30 Jordan Lane Wethersfield CT 06109


COMPANY SPONSORSHIP FORM ANNUAL MEETING

June 16 2011 Saint Clements Castle Portland CT

WE WOULD LIKE TO BECOME A SPONSOR AS INDICATED ENCLOSED PLEASE FIND OUR CHECK FOR

Silver Sponsor - $25000 ________ Platinum sponsor - $100000 ________

Gold Sponsor - $50000 ________ Other ndash Amount Enclosed $________ Name amp Title ___________________________________________________________________________ CompanyAgency _______________________________________________________________________ MAILING ADDRESS ______________________________________________________________________

(include full address and zip code) Phone (_____)____________ Fax (_____)____________ E-Mail ______________________________ Web Site Address ________________________________________________________________________

THE FOLLOWING REPRESENTATIVES WILL BE ATTENDING THE DINNER MEETING $85 per attendee

Name(s) amp Title(s) _______________________________________________________________________ MAILING ADDRESS _______________________________________________________________________

(include company full address and zip code) Amount Enclosed ________________





SHOULD YOU NEED ANY ASSISTANCE PLEASE CONTACT

Tracy Hearn at 860-563-1950 or thearniiacorg

THANK YOU FOR YOUR SUPPORT AND WE LOOK FORWARD TO SEEING YOU AT OUR ANNUAL MEETING

30 Jordan Lane Wethersfield CT 06109 Telephone (860) 563-1950 or (800) 842-2208 Fax 860-257-9981


Do your producers and CSRs play well together lsquolsquoMy producer tells a client Irsquoll do something and then doesnrsquot tell me mutters a CSR ldquoI gave her the info but she did the quote wrongrdquo gripes a producer No doubt yoursquove heard these complaints At some agencies strife between customer service repre-sentatives (CSRs) and producers is all in a dayrsquos work But angst among those who interact with customers most often can cause serious mistakes and widespread discontentmdashand thatrsquos just the beginning When conflict occurs be-tween workers in these roles efficiency slumps service suffers and sales can take a hit Respect and trust between producers and CSRs are essential for taking care of cus-tomer and agency needs Yet principals agree these relationships constitute one of the toughest personnel challenges at their firms ldquoI think the personalities that fit the producer role and the CSR role are so different that they contradict each otherrdquo says Spencer Houldin president of Ericson Insurance Services LLC in Washington Depot Conn ldquoCSRs are typically very organized detailed and deadline-based while producers are action-oriented people-oriented and less organized Itrsquos a constant problem trying to get these two types of per-sonalities to work well togetherrdquo A Little Respect Goes a Long Way Houldin has watched producers scribble something on a scrap of paper and throw it to a CSR saying as they go out the door that they need a quote tomorrow ldquoThen the quote is done wrong because the information was illegi-blerdquo he says Hersquos also seen producers who when they have an opportu-nity to service a customer do so without consulting the CSR ldquoYes they overstep their boundsrdquo he says ldquobut+ they have a vested interest in maintaining the client They have to be reminded that their main role is to drum up new busi-nessrdquo Despite these clashes or perhaps because of them Houldin has found ways to improve CSR-producer relationships He holds forums where CSRs and producers come together and talk about their jobs to promote mutual understanding

ldquoWhen they donrsquot understand each other there can be ani-mosityrdquo he says He says when CSRs learn about all aspects of a producerrsquos jobmdashevening appointments weekend hours the agencyrsquos cut of commission checksmdashthat theyrsquore less envious of pro-ducers than they may have been before ldquoBut really the key to good relationships between the two is for producers to show appreciationrdquo he says ldquoWe have one producer whorsquos constantly saying thank you and everyone is happy to help him because hersquos such a nice personrdquo Redefining Roles via Personality At Rosenfeld-Einstein amp Associates Bob Keiger says the daily struggle is not between coworkers but against the status quo Managers and employees at this Greenville SC Best Practices agency think regularly about how they can do things better Thatrsquos why the firm recently over-hauled the way its CSRs and producers interact ldquoOriginally we loosely separated small-commercial ac-counts from medium or large accounts and we randomly assigned producers to certain small-account managersrdquo says Keiger executive vice president of property and casu-alty The agency also employed a person to market risks to carriers ldquoBut it was a somewhat fractured division of la-borrdquo Keiger admits To heighten efficiency Keiger did away with the marketing position and began pairing account managers or CSRs with producers But he used staff personality profiles to make the pairings and they didnrsquot always work out What he found instead was that CSRs whose personalities fell slightly outside the profile for their jobs matched up well with producers who also fell somewhat outside the profile for their positions Says Keiger with a laugh ldquoThere were no perfect producers so why should we have perfect ac-count managers Getting the personalities together was more important than anything elserdquo Each new team was then given responsibility for all aspects of the book of business they managed including marketing ldquoThis made it much easier for account managers to priori-tize their work because they didnrsquot have producers lining up at their desksrdquo says Keiger ldquoIt also made for a better balance responding to servicerdquo

Smart Agency

Sandbox Deacutetente By Susan L Hodges

Reprinted with permission from the March 2011 issue of Independent Agent magazine


Another innovation Each team was allowed to decide who does what ldquoWe started with pretty well defined responsi-bilities for each individualrdquo says Keiger ldquoBut some produc-ers prefer to stay involved in some aspects of service so we let them decide It seems to work betterrdquo Balancing Workload To balance sales and service at his Colorado Springs Colo agency Wayne Six employs an equal number of producers and support staff including bookkeepers and a reception-ist He also hires only those he identifies as ldquowilling and ablerdquo willing to do the work and able to do it well ldquoWhenever you have a professional structure of compli-cated products the relationship between the professional and the support staff is a team effort that has to be based on respect communication and shared purposesrdquo says Six ldquoIf you donrsquot have those things people arenrsquot going to get alongrdquo Six founded the agency 21 years ago and says he has in-vested considerable time matching CSRs producers and clients ldquoIf a client starts with one team we intend for them to keep working with that team until wersquore deadrdquo he emphasizes ldquoIf you have the same CSR and producer on an account every year the odds of keeping that account go up every year and the work of processing it goes downrdquo Colorado has been particularly hard-hit during the reces-sion and Six says his staff has gone from 48 people three years ago down to 32 workers today His CSR-producer teams are responsible for all aspects of the business they handle and backlog is not allowed But Six appears to re-spect his employees in the same way he asks them to re-spect each other ldquoIf we canrsquot get the work done by 430 when we close the doors we hire more peoplerdquo he says ldquoOur concept is to service clients with a happy group of peoplerdquo Six says that since the agency opened he can remember only two or three personality conflicts ldquoWe just donrsquot al-low themrdquo he says ldquoKindness is not a skill and wersquore going to be kind to one another period If someone has trouble with that we donrsquot keep themrdquo Start with a System Tom Wilson president of The Wilson Agency Inc in Shel-don Conn tries to keep things simple Producers pitch in and do service work at this small family-owned firm and Wilson says the key to keepings things straight is communi-cationmdashand the agency management system Houldin also requires both groups to learn the agency management sys-temmdashand use it ldquoWhenever therersquos an issue itrsquos usually because someone didnrsquot note an activity describing a con-

versation that occurred between a client and the agencyrdquo he says But all three producers are required to learn and use the system and everyone is supposed to work with this thought in mind ldquoIf for some reason yoursquore not in the next day someone else needs to be able to pick up where you left offrdquo says Wilson Does someone know where your agencyrsquos CSRs left off to-day Hodges (hodgeswritesgmailcom) is an IA senior contrib-uting writer Should Producers Service Agency consultant Emily Huling has spent a lot of time ob-serving and working with CSRs and she has written a book a book about them ldquoGreat Service Sells How Great CSRs Turn Service into Salesrdquo She has also worked with produc-ers and knows what can happen when the lines get blurred ldquoIf you have CSRs without authority and produc-ers who do CSR work therersquos a dollar cost associated with these issues Producers can make extra work for CSRs by doing jobs they werenrsquot trained to do and therefore do in-correctlyrdquo she explains ldquoEveryone suffers when someone oversteps their bounds or doesnrsquot do their assigned jobrdquo Producers may sometimes do CSR work Huling says be-cause their jobs are poorly defined or theyrsquore not being held accountable for their actions ldquoManagement needs to tell producers and CSRs what their jobs are and then give them procedures to followrdquo she says Especially when things arenrsquot going well ldquoThere needs to be management monitoring and interventionrdquo Producers who do CSR work frequently may be sending a message ldquoTrue sales people are economically driven and ego-drivenrdquo says Huling ldquoTheyrsquore self-motivated and self-confident If your producers are doing CSR work theyrsquore probably not meant to be in salesrdquo To fix broken producer-CSR relationships Huling suggests starting by hiring competent sales people and CSRs and then clearly defining roles and expectations for each job Next appoint managers for both groups who will hold em-ployees accountablemdashnot just for production but for ad-herence to procedures and processes ldquoIf you have clearly defined roles and accountability everyone falls into line including customers and carrier representativesrdquo says Huling Correcting entrenched CSR-producer conflict takes plan-ning execution and a backbone Huling says It also takes patience to transition into an effective account-manage-


ment team that serves clients But the benefits are numer-ous Clients receive better service and learn who to talk to about various issues Carrier representatives usually learn this as well Agency morale often improves as does errors-and-omissions prevention If yoursquore unsure of the tenor of your agencyrsquos CSR-producer relationships Huling says to ask customers ldquoYou canrsquot fool themrdquo she says ldquoIf things arenrsquot working right between CSRs and producers customers are affected They know and theyrsquore frustratedrdquo mdashSH The Money Factor Jay Byrnes tries not to use the one-size-fits-all approach in job descriptions or in producer-CSR relationships Instead the president of Byrnes Agency Insurance in Dayville Conn strives to place employees in positions at which they will excel and he allows substantial flexibility among pro-ducer and CSR roles ldquoCommunication is really the key in who takes ownership of a certain taskrdquo he says But when it comes to results Byrnes pays team rewards ldquoIf a profit center exceeds certain parameters we reward by teamrdquo he says Bob Keiger at Rosenfeld-Einstein amp Associates Inc in Greenville SC is working on a similar arrangement After teaming producers and CSRs in the agencyrsquos large-commercial sector Keiger says it became clear that these employees were producing results as teams He has since set up similar teams in small commercial sectors and is now looking at compensation ldquoOnce you give people owner-ship things become differentrdquo he says ldquoTheyrsquore servicing something they have a stake in and theyrsquore working hand-in-hand There has to be some overlap in their compensa-tion and wersquore not finished with thisrdquo mdashSH

Calls on congressional leaders and President Obama to come together to swiftly protect small businesses

The Independent Insurance Agents amp Brokers of America praised the US House of Representatives for passing a bill on March 3 2011 to repeal the burdensome IRS form 1099 provisions that were passed into law as part of last yearrsquos health care reform law The bill HR 4 the ldquoSmall Business Paperwork Mandate Elimination Act of 2011rdquo by Rep Dan Lungren (R-Calif) passed by a vote of 314 - 112 ldquoThe Big lsquoIrsquo is encouraged by the passage of this important bill in the Houserdquo says Robert Rusbuldt Big ldquoIrdquo president and CEO ldquoIf this provision is allowed to go into effect early next year the mountain of paperwork required to comply will cost small businesses time and money divert resources and prevent investment in job growth and business expan-sion at a delicate point for the American economyrdquo If this provision is not repealed all businesses will be re-quired to file a Form 1099 for any business-to-business transaction for goods or services over $600 (cumulative throughout the tax year) starting in 2012 At the end of the tax year businesses will have to file a Form 1099 with the IRS and send a copy to each vendor Repeal of this burden-some mandate enjoys widespread bipartisan support in both legislative bodies yet throughout the debate the point of contention has been how to offset the lost reve-nue ldquoThousands of independent insurance agents and their many small business clients may be overwhelmed if this mandate takes effectrdquo says Charles Symington Big ldquoIrsquo sen-ior vice president of government affairs ldquoWe are pleased by widespread congressional support for repeal of the 1099 reporting provision and todayrsquos action in the House and we look forward to working with Congress and the administra-tion to ensure a repeal bill is passed into lawrdquo

BIG ldquoIrdquo APPLAUDS HOUSE PASSAGE OF REPEAL OF BURDENSOME IRS

FORM 1099 PROVISION


INSURANCE DEPARTMENT BULLETINS AND PRESS RELEASES

Bulletin PC-69 Issued March 17 2011

Summary of Consumer Protections Regarding the Use of Credit Required by Public Act 10-7

Click on the name below to link directly to the department website

REMINDER - CONNECTICUT INSURANCE DEPARTMENT NO LONGER MAILS PRODUCER LICENSES

As the need for economic solutions and on demand services evolves the State of Connecticut Insurance Department an-nounced in November 2010 that licensees will now have the ability to print their own licenses free of charge The prior method of license distribution could take upwards of two weeks for a producer to receive their license This tech-nological improvement provides licensees with access to their license immediately upon approval and fee processing The State of Connecticut will save approximately $80000 in mailing and postage expenses each two year period Effective December 1 2010 the Department stopped mailing hard copies of licenses The Print License option may be found under ldquoVerify and Print a Licenserdquo on their website at httpwwwcatalogstatectuscidCLICVerifyLicenseaspx Please contact the Licensing Unit at cidlicensingctgov or 860-297-3845 with any questions

Press Release Issued March 18 2011

Web Site Upgrade Enhances Public CommentTransparency for Rate Filing Requests

Independent Insurance Agents of Connecticut - wwwiiactorg - April 2011 0

National News Connecticut New England Independent Agents Market Share Exceeds National Averages The Independent Insurance Agents amp Brokers of America (IIABA) recently released its 2009 Property-Casualty Insurance Mar-ket Report And to no surprise Independent Insurance Agents in New England continued to exceed the national averages for market share in both personal and commercial lines The chart below sets out each statersquos personal commercial and com-bined market share for Independent Agents The national average for each line and combined market share also appears

Market Share

To view the market share reports for all states including direct response and direct writer shares click here

State Personal Commercial Combined

Connecticut 4785 8173 6447

Maine 5529 8734 7122

Massachusetts 8068 8451 8263

New Hampshire 4367 8322 6317

Rhode Island 4471 8280 6285

Vermont 4971 8317 6807

National Average 3430 7943 5680


The 2011 Legislative Session is well underway with Legislative Committees reviewing bills and choosing whether or not to pass them onto the full House and Senate for consideration Much has changed at the State Capitol in 2011 ndash a new Gover-nor and Lt Governor as well as newly configured caucuses in the House and Senate Both chambers are still controlled by Democrats but those margins are now a bit closer than they were a year ago The Insurance and Real Estate Committee is meeting twice a week to discuss bills and has a deadline of March 17th to report bills out of committee The next two weeks therefore should be very active for the Insurance and Real Estate Committee as its members debate which bills should clear the first legislative hurdle and be approved by the committee There are numerous proposed bills that are important to IIAC and its members and IIAC President Warren Ruppar and Chair-man Tom Wilson will track those bills throughout the legislative session and provide periodic updates for our members The 2011 Legislative Session will adjourn on Wednesday June 8 2011

INSURANCE AND REAL ESTATE COMMITTEE

The 2011 session brings new committee leadership and committee members State Representative Robert W Megna (D) New Haven 97th House District was named the new House Chairman He joins State Senator Joseph J Crisco Jr (D) Wood-bridge 17th Senate District who returns as Senate Chair a role he has held since 2002 Below is a full list of the Insurance and Real Estate Committee members and the districts they represent

Chairs State Senator Joseph J Crisco Jr (D) Woodbridge 17th Senate District State Rep Robert W Megna (D) New Haven 97th House District Vice Chairs State Senator Joan V Hartley (D) Waterbury 16th Senate District State Rep Susan M Johnson (D) Windham 49th House District Ranking Members State Senator Kevin C Kelly (R) Stratford 21st Senate District State Representative Christopher D Coutu (R) Norwich 47th House District Members State Representative Mike Alberts (D) Woodstock 50th House District State Representative David Aldarondo (D) Waterbury 75th House District State Representative Emil Altobello (D) Meriden 82nd House District State Representative Joe Aresimowicz (D) Berlin 30th House District State Representative James M Crawford (D) Westbrook 35th House District State Representative Anthony J DrsquoAmelio (R) Waterbury 71st House District State Representative Stephen D Dargan (D) West Haven 115th House District

IIAC MONTHLY BULLETIN REVIEW

The IIAC Monthly Review recaps important issues that were sent out to the IIAC Membership as Agent Alerts and Bulletins throughout the previous month

LEGISLATIVE UPDATE - ISSUED MARCH 7 2011


Members (conrsquot) State Representative Laura R Hoydick (R) Stratford 120th House District State Representative Vickie Orsini Nardello (D) Prospect 89th House District State Representative Kelvin Roldan (D) Hartford 4th House District State Representative Robert C Sampson (R) Wolcott 80th House District State Representative Robert Sanchez (D) New Britain 25th House District State Representative Linda Schofield (D) Simsbury 16th House District State Representative David Yaccarino (R) North Haven 87th House District

SEVERAL KEY BILLS BEING TRACKED IIAC is tracking several key bills during the 2011 session and has testified on the following House Bill 6365 ndash AN ACT CONCERNING INSURANCE FOR MUNICIPALITIES ndash IIAC is opposed to this bill House Bill 6237 ndash AN ACT CONCERNING INSURANCE REQUIRED UNDER THE COMMON INTEREST OWNERSHIP ACT ndash IIAC is opposed to this bill House Bill 6238 ndash AN ACT CONCERNING REPLACEMENT COST COVERAGE UNDER HOMEOWNERS INSURANCE AND COMMER-CIAL RISK POLICIES ndash IIAC is opposed to this bill House Bill 6363 ndash AN ACT ADOPTING THE NATIONAL CONFERENCE OF INSURANCE LEGISLATORSrsquo SURPLUS LINES INSURANCE MULTISTATE COMPLIANCE COMPACT ndash IIAC has not taken a position on this bill as of yet but is closely monitoring its pro-gress Senate Bill 975 ndash AN ACT AUTHORIZING THE INSURANCE COMMISSIONER TO ENTER INTO THE NONADMITTED INSURANCE MULTISTATE AGREEMENT ndash IIAC has not taken a position on this bill as of yet but is closely monitoring its progress

OTHER BILLS OF INTEREST House Bill 6232 ndash AN ACT PERMITTING SUSPENSION OF PRIVATE PASSENGER MOTOR VEHICLE INSURANCE COVERAGE BY ELECTRONIC MAIL House Bill 5442 ndash AN ACT CONCERNING HOMEOWNERS AND TENANTS INSURANCE UNERWRITING BASED ON BREED OF DOG House Bill 5444 - AN ACT CONCERNING THE VALUE OF A TOTALLED MOTOR VEHICLE House Bill 5896 - AN ACT ADJUSTING THE TERRITORIAL CLASSIFICATIONS FOR PRIVATE PASSENGER NONFLEET AUTOMOBILE INSURANCE Senate Bill 317 ndash AN ACT REQUIRING HOMEOWNERS INSURANCE RATE FILINGS TO BE SUBJECT TO PRIOR RATE APPROVAL BY THE INSURANCE DEPARTMENT Senate Bill 341 ndash AN ACT REPEALING CHANGES TO INSURANCE REQUIREMENTS UNDER THE COMMON INTEREST OWNERSHIP ACT House Bill 5443 - AN ACT CONCERNING CONDOMINIUM ASSOCIATIONS AND INTERIOR DAMAGE TO UNITS House Bill 5283 - AN ACT CONCERNING AUTOMOTIVE GLASS WORK Senate Bill 55 ndash AN ACT ESTABLISHING A STATE HEALTH INSURANCE EXCHANGE


Senate Bill 44 ndash AN ACT CONCERNING ELECTION OF THE INSURANCE COMMISSIONER Senate Bill 50 - AN ACT CONCERNING REQUIREMENTS FOR SURPLUS LINES INSURERS House Bill 5033 ndash AN ACT PERMITTING SUSPENSION OF PRIVATE PASSENGER MOTOR VEHICLE INSURANCE COVERAGE BY ELECTRONIC MAIL House Bill 5034 - AN ACT CONCERNING REAL PROPERTY REPLACEMENT COST COVERAGE UNDER PERSONAL OR COMMERCIAL RISK POLICIES House Bill 5035 - AN ACT CONCERNING INSURANCE REQUIREMENTS UNDER THE COMMON INTEREST OWNERSHIP ACT

The IIAC Testimony Review provides testimony that has been given before the legislature on bills that are impor-tant to IIAC members Testimony is regularly posted on the ldquoAction Alertsrdquo page in the ldquoAdvocacyrdquo section of our website (wwwiiactorg)

IN SUPPORT OF RAISED BILL 6470 - AN ACT ADOPTING THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS

INTERSTATE INSURANCE PRODUCT REGULATION COMPACT

IIAC TESTIMONY REVIEW

On March 1 2011 in a public hearing Warren C Ruppar President of IIAC testified in support of Raised Bill 6470 in front of the Insurance and Real Estate Committee The following is an excerpt from that testimony The Independent Insurance Agents of Connecticut supports Raised Bill 6470 as it will streamline the state-based insurance regulatory system and provide a uniform national products standard for life insurance annuities disability income and long term care insurance IIAC further agrees with the NAIC that ldquoThe Compact presents a positive situation for consumers state insurance regulators and insurers as consumers will benefit from high product standards and quicker access to a broader choice of investment products regulators will be able to share best practices and use their resources more effectively and insurers will be able to enjoy a more level playing field in competing with banks and securities firmsrdquo IIAC urges the members of the Insurance and Real Estate Committee to support Raised Bill 6470 so that Connecticut can join the other 38 states which represents over 60 of the premium volume nationwide to bring efficiencies to our regulatory system and enhance the way that Connecticut regulates insurance


January 2011

Workers Compensation Maximum Remains the Same - Minimum Has Increase Effective January 1 2011

Effective 01-01-2011 the maximum wage for an active officer included on a workersrsquo compensation policy for businesses that operate in the State of Connecticut has remained the same as last yearsrsquo maximum of $67600 per year per active officer

The minimum payroll for an active officer has increased to $700 from last yearrsquos $470 per week which is a 49 increase

The amount to include for either covered partners or sole proprietors has been reduced to $59000 from last yearrsquos amount of $63500

PAYROLL LIMITATION RULES - STATE OF CONNECTICUT

WORKERSrsquo COMPENSATION - EFFECTIVE 01-01-11

INDIVIDUALS Not covered unless they opt in Fixed Amount is $59000

PARTNERS Automatic coverage if one opts out all must opt out Fixed amount is $59000 per partner per year

CORPORATE OFFICERS Automatic coverage may elect exclusion Maximum salary $67600 per year Minimum wage is $700 week

LLCrsquoS SINGLE MEMBER Treated for coverage like an individual Treated for premium like a Corporate Officer

LLCrsquoS MULTI MEMBER Treat like an officer automatic coverage may elect exclusion

GENERAL LIABILITY - EFFECTIVE 01-01-11 (no changes since 01-01-08)

INDIVIDUALS Included at fixed amount of $10400

PARTNERS Included at fixed amount of $10400 per partner

CORPORATIONS Include at actual wage subject to a maximum of $15600 per year minimum of $5200 per year

LLCrsquoSMANAGERS Treated like Corporate Officers

LLCrsquoS MEMBERS Treated like Partners

VERIFYING WORKERSrsquo COMPENSATION COVERAGE Go to the wwwctgov Click on ldquoWorkingrdquo in the menu to the left Select ldquoWorkplace Safety and Standardsrdquo from the menu that comes up Select ldquoWorkersrsquo Compensation Commissionrdquo In the gray menu on the left select ldquoverify coveragerdquo Scroll down the page and click on the ldquoverify coveragerdquo button

Technical INDEPENDENT INSURANCE AGENTS

OF CONNECTICUT Edward Meaney CPCU

Director of Education


Big ldquoIrdquo Virtual University Director Receives CPCU Society Award

The Independent Insurance Agents amp Brokers of America has announced that Bill Wilson CPCU ARM AIM AAM Big ldquoIrdquo associate vice president of education amp research and Big ldquoIrdquo Virtual University director is the Char-tered Property Casualty Underwriters (CPCU) Societyrsquos 2010 George M Gottheimer Memorial Award recipient

ldquoBill is a terrific part of our CPCU Society communityrdquo says James R Marks CPCU CAE AIM CPCU Society CEO ldquoHe is an outstanding scholar whose contributions continually enrich the CPCU Societyrsquos journals and educational programs Bill is the very essence of what a CPCU should berdquo

The award was presented by the CPCU Society Consulting Litigation amp Expert Witness Interest Group and is bestowed annu-ally to a CPCU Society member who has made an outstanding contribution to the field of insurance education risk manage-ment or insurance consulting

ldquoBill Wilson is an incredible resource for Big rsquoIrsquo members and we are proud of his work and the recognition he received with the prestigious award from the CPCU Societyrdquo says Robert A Rusbuldt Big ldquoIrdquo president amp CEO ldquoThe Big rsquoIrsquo Virtual Univer-sity guided by Billrsquos extensive industry expertise is a critical part of the Big lsquoIrsquosrsquo continuing commitment to provide valuable technical and business information and best practices to agencies nationwide Bill continues to assist Big rsquoIrsquo members in their growth and perpetuation planning The Big rsquoIrsquo Virtual University continues to provide our members and partners with a vari-ety of valuable tools and informational sources necessary to be successful and profitablerdquo

Wilson is the former director of education amp technical affairs for the Insurors of Tennessee and was a licensed insurance and surplus lines agent His professional affiliations have included past president of the Middle Tennessee Chapter of CPCU Soci-ety Wilson earned a bachelorrsquos degree in fire protection and safety engineering at the Illinois Institute of Technology

About the Big ldquoIrdquo Virtual University The Big ldquoIrdquos cutting-edge online services make it possible for todayrsquos agencies to get the critical information they need wher-ever and whenever they need it One of the ways that the Big ldquoIrdquo accomplishes this is by providing access to a unique combi-nation o f industry knowledge and experience available only at the Big ldquoIrdquo Virtual University

Key Services that are available through the Virtual University include

Research Library For those who seek a smarter way to research the Big ldquoIrdquos online library is divided into three subject ar-eas Insurance Business and Technology

ldquoAsk an Expertrdquo Sometimes you need answers to questions that canrsquot be found in the Research Library To help with these ldquojust in timerdquo issues the Big ldquoIrdquo has assembled a faculty of leading experts from around the country who can answer your questions Simply fill out a short form and their experts will work to get you a response within 3 - 5 business days but often sooner

Critical Business Issues The Big ldquoIrdquo Virtual University regularly produces white papers and articles on many of the critical issues affecting todayrsquos insurance marketplace

VU Tools You Can Use Business Skills - SkillSoft training is available on Analyzing The Income 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 An-nual Marketshare Report and other industry relevant findings

EampO Loss Prevention Tips - View tips and case studies based on actual claims and find out how to reduce your agency EampO exposures

Consumer Articles - Homeowners Personal Auto and Commercial Insurance articles all rewritten from a consumer perspec-tive Big ldquoIrdquo members are encouraged to use them in their communications (newsletters flyers Web site etc) with custom-ers

Checklists - Obtain sample HO Inspection Commercial and Personal Lines checklists to evaluate your customer needs

Downloads - View key information through downloads that address topics such as The Top 10 Reasons to Buy CDW CGL Faulty Workmanships Laws WC Illegal Alien Laws and more


RC Knox Center for Insurance and Risk Management Studies

2011 Symposium April 26 2011 Wilde Auditorium

The Impact of Emerging Global Insurance Regulations on How You Do Business

1200-100 Sign-in and light lunch buffet

100- 130

Welcome and Kick-off Speaker ndash George Reider Former Commissioner of Insurance State of

Connecticut Former President National Association of Insurance Commissioners What keeps me up at night - Richard Booth Vice Chairman Guy Carpenter

130 ndash 230

Converging Standards for the Insurance Industry

Jennifer Weiner Sr Practice Fellow

Financial Accounting Stan-

dards Board

Edward Chanda Partner KPMG

Sandra Hack Project Manager for the Insurance Industry International Accounting Standards Board

London United Kingdom

230 ndash 245 Break

245- 345

How will Solvency II impact the Insurance Industry

J Eric Brosius Senior Vice President and Cor-

porate Actuary Liberty Mutual Group

Victor Rod Alternative Chairman European Insur-

ance and Occupational Pensions Au-

thority Insurance Commissioner of Luxem-

bourg

Patrick D Tannock President XL Insurance (Bermuda) Ltd

345 ndash 400 Break

400 ndash 500

The Changing Insurance Industry Landscape Over the Next 10

Years

Therese M Vaughan Chief Executive Officer

National Association of Insur-

ance Commissioners

Steve Lowe Managing Director

Towers-Watson

Tom Minkler President Clark-Mortenson Agency Inc

and Member of the Executive Committee

Independent Insurance Agents amp Brokers

of America

500 ndash 515

Wrap-up

Can I sleep better now ndash Richard Booth Vice Chairman Guy Carpenter Thank you ndash Peter LaPlaca Director R C Knox Center

515 ndash 600 Hors drsquooevres and networking

Registration Information

For 3 CEUs (attendance required on campus) $75

Participation on campus (no CEUs) $60

Web link for live video streaming (no CEUs) $25

Groups of ten or more call for group rates 860-768-4581 or e-

mail laplacahartfordedu

Registration link httpswww123signupcomeventid=vsndj

Conference Web site

httprcknoxhomesteadcomindexhtml


10 Westport IIAC EampO Premium Credit

This program qualifies agencies that purchase their E amp O insurance 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 51 or more 10 Attendees Required 1 Active Agency Principal Owner Partner or Officer 2 Active Agency Principals Owners Partners Officers Operations Managers or Producers 7 Producers or CSRs

Wethersfield Country Club 76 Country Club Rd Wethersfield CT May 5 2011 (830 am - 430 pm)

Cost $11000 Members amp Associate Members $ 16000 Non-Members

You must report to training on time and present photo ID or you will not qualify for full credit

NAME __________________________________________ CT PRODUCER LICENSE ___ ___ ___ ___ ___ ___ ___ ___ ___

AGENCY ______________________________________________ POSITION IN AGENCY ____________________________

AGENCY ADDRESS ______________________________________________________________________________________ (include street city state amp zip)

CLASS DATE _______________ PHONE (_____) ________________ E-MAIL ____________________________________

CLASS CONFIRMATION WILL BE E-MAILED 10 ndash 14 DAYS PRIOR TO CLASS DATE PLEASE RETURN TO ldquoIIACrdquo 30 Jordan Lane Wethersfield CT 06109

25 Penalty if canceled two weeks before class begins NO REFUNDS after class begins

In accordance with Title III of the Americans with Disabilities Act we invite all registrants to advise us of any disability and any requests for accommoda-tion to that disability Please notify us no later than two weeks prior to the program If you have any questions call 800-842-2208 or 860-563-1950

Instructors Chris Weldon Esq amp Jim Keidel Esq

Earn 8 CE Credits (6 PampC amp 2 LRE)

Highly qualified and knowledgeable instructors for each course

A new approach to E amp 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 amp sample letters) - Technology and Automation - Current Issues - Risk Management Approach

Correct attendance makes agency eligible for the 10 Pre-mium credit

SEMINAR BENEFITS


PROGRAM Certificates of Insurance Christopher Weldon Esq (Keidel Weldon amp Cunningham LLP) ACORD has published the new September 2009 14th edition certificate of insurance form that incorporates what may be the most significant changes since the ACORD 25 was introduced in November 1977 In all 39 changes were made to the two certificate forms The legal liability of these changes and their impact on agents and clients will be reviewed

Client Confidentiality - Protecting Your Insuredrsquos Private Information Jason Hoeppner CIC (BH Burke amp Co) member of IIABA Agents Council for Technology (ACT) Agents need to be aware of the general business and insurance specific security and privacy laws regulations and adminis-trative letters that apply to them in their resident states as well as in states where they hold non-resident licenses or where individuals they insure are a resident Connecticut Insurance Bulletin (IC-25) and federal Gramm-Leach-Bliley Act (GLB Act) will be reviewed along with other legal requirements

Directors amp Officers Liability Employment Practices Liability Insurance Ed Meaney CPCU The basic fundamentals of Directors and Officers (DampO) Liability its definitions and history along with the importance of per-sonal liability as it relates to directors and officers and the coverage provided under DampO policies will be covered Employment Practices Liability Insurance (EPLI) and the various factors that can affect the climate for EPLI exposures and losses will be explained along with the various EPL exposures brought about by discrimination wrongful termination harass-ment and retaliation

COST $60 MEMBERS $85 NON-MEMBERS You must report to training on time and present photo ID or you will not qualify for full credit

NAME _________________________________________ CT PRODUCER LICENSE ___ ___ ___ ___ ___ ___ ___ ___ ___


AGENCY ADDRESS ______________________________________________________________________________________ (include street city state amp zip) CLASS DATE _______________ PHONE (_____) ________________ E-MAIL ____________________________________


25 Penalty if canceled two weeks before class begins NO REFUNDS after class begins In accordance with Title III of the Americans with Disabilities Act we invite all registrants to advise us of any disability and any

requests for accommodation to that disability Please notify us no later than two weeks prior to the program

SPRING CONFERENCE Sponsored by the IIAC Young Agents Committee

4 CE Credits (LRE) Course 105096

Thursday May 12 2011 100 pm - 440 pm

Registration begins at 1230 pm

Followed by a Social Hour on the patio 445 pm - 545 pm (Hors drsquooeuvres and Refreshments Provided)

Saybrook Point Inn Two Bridge St Old Saybrook CT 06475 $60 MEMBERS amp ASSOCIATE MEMBERS $85 NON-MEMBERS

A COMPLETE ANNUAL CALENDAR CAN BE OBTAINED ON THE ldquoEDUCATIONrdquo 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 (wwwctgovcid) 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 wwwsirconcom Once on the website select ldquoFor Individual Agentsrdquo from the ldquoProducts and Servicesrdquo menu Under ldquoQuick Start for Agentsrdquo (at the top of the page) select ldquoLook Up Education Courses Creditsrdquo This will bring you to an ldquoInquiriesrdquo page Select ldquoContinuing Education Transcript Inquiryrdquo Select ldquoConnecticutrdquo from the drop-down menu Enter your license number and last name and click ldquosubmitrdquo 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

Sun Mon Tue Wed Thu Fri Sat

1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6

LampH Pre-Licensing 830 -

430 Wethersfield (Thursdays)

8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp

Spending in Retirement 830 - 300

Wethersfield

22 23

24 25 26 27 28 29 30




The Connecticut Insurance Department has an extensive website (wwwctgovcid) offering information on licensing forms statutes regulations (proposed and finalized) Please take advantage of this web site for valuable information




1 2 3 4 5

EampO Loss Control Techniques 830 - 430

Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young

Agents Spring Conference 100 - 440

Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws

Regulations amp Ethics

830 - 1210 Wethersfield

27 28

29 30 31


2011 IIAC EVENTS

Spring Conference Sponsored by the IIAC Young Agents Committee

May 12 2011 Saybrook Point Inn Old Saybrook CT

Annual Dinner Meeting and Installation of Officers

June 16 2011 St Clementrsquos Castle Portland CT

22nd Annual Golf Tournament

Sponsored by the IIAC Young Agents Committee August 4 2011

Blackledge Golf Course Hebron CT

Mid-Year Convention November 10 2011

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 ldquoEventsrdquo page of our website or by contacting Tracy Hearn at 860-563-1950 or emailing to thearniiacorg


Big ldquoIrdquo Professional Liability As a member of your state association you have access to the Big ldquoIrdquo Professional Liability program the most respected and comprehensive program in the business offering a variety of insurance agentrsquos EampO products that are hand-selected for their superior reputation and exceptional performance With comprehensive rates and a long-term market the Big ldquoIrdquo Profes-sional Liability program is properly positioned to meet your professional needs protecting the future of your agency wwwiiactorg - Member Resources page Or call Laura Szatkowski at 860-563-6510

Big ldquoIrdquo Markets Exclusively available to Big ldquoIrdquo members IIABArsquos online market access program features specialtyniche coverages program business and hard-to-find markets Unlike similar programs there are no registration fees no volume commitments and competitive commissions wwwbigimarketscom

Big ldquoIrdquo Flood Big ldquoIrdquo Advantage operates as a managing general agency and agents participate as sub-producers for the Big ldquoIrdquo 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 wwwindependentagentcomflood

Big ldquoIrdquo RetirementBenefits 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 wwwindependentagentcomretirement

RLI RLIs Personal Umbrella Policy stands atop your clientrsquos existing homeowner and auto insurance to provide an extra layer of personal liability protection With RLIs PUP program auto or home coverage can be maintained with any insurance company provided the mandatory minimum underlying coverage limits are met RLIrsquos 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 wwwiiactorg - 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 ldquoIrdquo Store (logowear) Hertz (car rental) Artizan Internet Services (Service 911 CSR 24) wwwindependentagentcom

OF ALL YOUR MEMBERSHIP HAS TO OFFER

ARE YOU TAKING

ADVANTAGE

Big ldquoIrdquo Advantage Programs


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 wwwinsurbanccom

Virtual University wwwindependentagentcomvu

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 todayrsquos 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 cant 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 Choicereg

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 Choicereg the national consumer branding program sponsored by the Big ldquoIrdquo uniting more than 10000 independent agency locations and 53 insurance companies Based on extensive consumer and industry research Trusted Choicereg highlights the value of the independent agent distribution channel choice customization and advocacy wwwtrustedchoicecom

Governmental Affairs The Big ldquoIrdquo is your advocate on the issues that matter to your success whether the issues occur in state legislatures Washing-ton DC 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


ARE YOU TAKING

ADVANTAGE



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 mem-bers 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 complete the information below and return this form to IIAC 30 Jordan Lane Wethersfield CT 06109 or email to the committee staff liaison

Name ___________________________________________________________________________________

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

Indicate Committee ________________________________________________________________________

Education Committee ndash members help create IIAC programs and locate teachers and resources Staff Liaison Ed Meaney emeaneyiiacorg Executive Committee ndash 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 wruppariiacorg Technical Committee ndash 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 emeaneyiiacorg Young Agents Committee ndash members create networking programs to promote young professionals in the insur-ance industry Staff Liaison Tracy Hearn thearniiacorg

2010 - 2011 Officers

Chairman Tom Wilson

The Wilson Agency Shelton

Chairman-Elect Michael Gergler CIC

Wilcox amp Reynolds Storrs

Treasurer Jim Suzio CIC

Suzio Insurance Center Inc Meriden

Secretary Kim McGillicuddy CPCU

Pierson amp Smith Inc Norwalk

Immediate Past Chairman Kurt Battey

Scholes Agency Inc East Haddam


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 organizationrsquos 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 or-ganization 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 in-surance 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 ldquoAsk The Expertrdquo 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 DC Whatever the issue may be IIAC is the voice for independent agents as we represent the interests of our membership Our national 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 ldquoIrdquo mission succinctly captures our purpose ldquoto provide independent agents with a sustainable competitive advantagerdquo To accomplish that IIAC is the unrelenting ad-vocate 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 amp Brokers of America (IIABA) It represents the unified political voice of IIABAs 23000 member agencies and 300000 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 IIABAs Senior Vice President of Government Affairs InsurPacs 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 23000 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 US Congress who share IIABAs 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 $2000 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


ACE Private Risk Services 860-828-7931

wwwaceprivateriskservicescom

Agility Recovery 704-341-8700

wwwagilityrecoverycom

Arthur J Gallagher Risk Management Services Inc 860-560-2766 wwwajgcom

Auto Glass of New England LLC 203-375-4700

wwwautoglassofnewenglandcom

Broadway Premium Financing 800-728-7255

wwwbroadwaypremiumcom

CATIC Exchange Solutions Inc 860-513-3131

wwwcaticexchangecom

Connecticut Interlocal Risk Management Agency 203-498-3000

wwwccm-ctorginsurance

Connecticut Underwriters Inc 860-347-9600

wwwctunderwriterscom

Crystal Restoration Services 203-853-4179

wwwcrystal1com

Paul Davis Restoration 860-539-0911

wwwpdrestorationcom

Demetriou General Agency Inc 212-897-6912

wwwdemetriougroupcom

Gill and Roeser Holdings Inc 212-972-3306

wwwgrholdingscom

Glass America 860-444-6344

wwwglassusacom

HSB Associates Inc 860-722-5539 wwwhsbcom

Insurance Agency Accounting amp Bookkeeping 860-614-7268

wwwbrendadicarlollccom

Insurance Engineering Solutions 860-429-5156

wwwinsuranceengineeringsolutionscom

InsurBanc 866-467-2262

wwwinsurbanccom

Iroquois of Connecticut Inc 860-621-8412

wwwiroquoisctcom

Kapura Cleaning amp Restoration 860-747-2100

wwwkapurarestorationcom

Joseph Krar amp Associates 860-628-3967

wwwjkrarcom

JP Maguire Assoc Inc 800-233-8220

wwwjpmaguirecom

Anthony Martini amp Company Inc 203-445-6640

wwwthatsmybrokercom

McGrath Insurance Group Inc 508-347-6850

wwwmcgrathinsurancecom

Maynard Insurance Group 203-318-0008

maynardinsgrpyahoocom

ASSOCIATE MEMBER - INSURANCE BROKERS AND SERVICES (Click on the Associate Members 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 ldquoJoinrdquo page of our website or

contact Rose Mullaly at 860-563-1950 or email rmullalyiiacorg


Mergers amp Acquisition Services 212-750-0630

wwwmerger-acquisitionnet

Oakbridge Insurance Services 860-906-0120

wwwoakbridgeinscom

Premium Assignment Corp

603-421-1953 wwwpremiumassignmentcom

JN Phillips Auto Glass 781-939-3400

www877autoglasscom

Pro-Klean Cleaning amp Restoration Services Inc 866-463-2313

wwwpro-kleancom

PuroClean Mitigation Services 860-516-8083

httpms-ctpurocleancom

Renaissance Group Inc 860-307-2957

wwwrenaissanceinscom

Robert Hensley amp Associates 860-678-1090

wwwhensleyasociatescom

Servicemaster QRV Regional Group 203-386-1565

wwwservicemastergbcom

ServiceMaster by Wills 860-447-3265

wwwservicemasterbymasoncom

SERVPRO Cleaning and Restoration of New Haven Waterbury amp Naugatuck Valley

1-800-243-8812 wwwservproofnewhavencom

SERVPRO of Manchester-Bolton 860-649-0836

wwwservproofwesthartfordcom

Steamatic of CT 203-985-8000

wwwsteamaticctcom

Target Insurance Services 860-284-0088

wwwtarget-capitalcom

Thompson Agency Inc 860-693-4999

wwwthompsonagencynet

Travel Insured International Inc 860-528-7663

wwwtravelinsuredcom

United Cleaning amp Restoration LLC 800-835-0740

wwwunitedcrcom

XS Brokers Insurance Agency Inc 617-471-7171

wwwxsbrokerscom





Acadia Insurance Company 860-331-2391

wwwacadiainsurancecom

American Commerce Insurance Company A MAPFRE Company

800-922-8276 wwwacilinkcom

The Andover Companies 860-257-7286

wwwandovercocom

Chubb amp Son Insurance 203-782-4115

wwwchubbcom

C N A Insurance 860-513-6460

wwwcnacentralcom

Connecticut Fair Plan 860-528-9546

wwwctfairplancom

FirstComp 888-500-3344

wwwfirstcompcom

General Casualty Insurance 860-570-0802

wwwgeneralcasualtycom

Great NY Mutual Insurance Company 860-652-7090 wwwgnycom

Harleysville Worcester Insurance Company 800-225-7387

wwwharleysvillegroupcom

The Hartford 860-409-6150

wwwthehartfordcom

HCC Global Financial Products 860-674-1900

wwwhcc-globalcom

The Hingham Group 781-749-0841

wwwhinghammutualcom

Kemper A Unitrin Business 203-775-5846

wwwekempercom

MetLife Auto amp Home 860-668-2699

wwwmetlifecom

MiddleOak

860-638-5132 wwwmiddleoakcom

NLC Insurance Company 860-887-3553

wwwnlcinsurancecom

Ohio Mutual Insurance 419-563-0959

wwwomigcom

Peerless Insurance 860-571-2201

wwwpeerless-inscom

Pennsylvania Millers Ins Co 860-677-8488

wwwpennmillerscom

PMA Insurance 203-379-3825

wwwpmagroupcom

Progressive Insurance Company 800-274-4055

wwwprogressiveagentcom

Safeco Insurance 603-358-4156

wwwsafecocom

Seacoast Brokers LLC 843-341-1600

wwwseacoastbrokerscom

State Auto Insurance Companies 860-633-4678

wwwstateautocom

Utica National Insurance Group 800-695-1914

wwwuticanationalcom

ASSOCIATE MEMBER - INSURANCE COMPANIES (Click on the Associate Members 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 ldquoJoinrdquo page of our website or contact

Rose Mullaly at 860-563-1950 or email rmullalyiiacorg


This Issuersquos Features

Know Your Associationrsquos History 03

Annual Membership Meeting and Installation of Officers 04

Smart Agency - Sandbox Deacutetente 06

Big ldquoIrdquo Applauds House Passage of Repeal of Burdensome IRS Form 1099 Provision 08

Connecticut Insurance Department 09

National News 10

IIAC Monthly Bulletin Review 11

IIAC Testimony Review 13

Workersrsquo Compensation Maximums Minimums And Verifying Workersrsquo Compensation Coverage 14

Big ldquoIrdquo Virtual University Director Receives CPCU Society Award About the Big ldquoIrdquo VU 15

RC Knox 2011 Symposium 16

Errors amp Omissions Loss Control Techniques 17

Spring Conference 18

In Every Issue

April and May Continuing Education Courses 19

Events 21

Big ldquoIrdquo Advantage Programs 22

2010 - 2011 Officers 24

Committees 24

About Us 25

Associate Member Index

Associate Members - Insurance Brokers amp Services 26

Associate Members - Insurance Companies 28

ldquoThe 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

wwwiiactorg

Warren C Ruppar President

Tracy Hearn Office Manager Event Planner

Ed Meaney CPCU Education Director

Laura Szatkowski EampO Program Administrator

Rosemary Mullaly

Lawyersrsquo 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















Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________






























Smart Agency











FORM 1099 PROVISION












Market Share




Maine 5529 8734 7122




Vermont 4971 8317 6807






















January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31

Independent Insurance Agents of Connecticut - wwwiiactorg - April 2011 1

2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




Independent Insurance Agents of Connecticut - wwwiiactorg - April 2011














Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________






























Smart Agency











FORM 1099 PROVISION












Market Share




Maine 5529 8734 7122




Vermont 4971 8317 6807






















January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom












Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________






























Smart Agency











FORM 1099 PROVISION












Market Share




Maine 5529 8734 7122




Vermont 4971 8317 6807






















January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom

























Smart Agency











FORM 1099 PROVISION












Market Share




Maine 5529 8734 7122




Vermont 4971 8317 6807






















January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom












FORM 1099 PROVISION












Market Share




Maine 5529 8734 7122




Vermont 4971 8317 6807






















January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom















Market Share




Maine 5529 8734 7122




Vermont 4971 8317 6807






















January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom
























January 2011













































100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom



























100- 130



130 ndash 230




dards Board




230 ndash 245 Break

245- 345







bourg


345 ndash 400 Break

400 ndash 500


Years



ance Commissioners


Towers-Watson




of America

500 ndash 515

Wrap-up










Conference Web site





























SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom































SEMINAR BENEFITS

























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




























1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7 Day 1 of 6



8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14 15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21 Investing amp


Wethersfield

22 23

24 25 26 27 28 29 30








1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11

ACSR 12 830 - 430

Wethersfield

12 Young


Old Saybrook

13

AAI 83A 830 - 430

Wethersfield

14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom





2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom












ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom







INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom








wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




the connecticut independent agent, april issue

Documents

connecticut independent

slate of iiac officers

iiac website

iiac annual membership

iiac member agencies

installation of officers

iiac testimony review

neither iiac