INDEPENDENT INSURANCE AGENTS
OF
SOUTH DAKOTA
April 2014
GET WISE about your agency
RISK MANAGEMENT.
Swiss Re Corporate Solu ons policyholders:
Don’t miss out on the invaluable risk
management resources available exclusively
to you. Log in to www.iiaba.net/EOHappens
to access claims sta s cs, preven on tools,
insigh ul ar cles and more.
the Big “I” Professional Liability Program
Prevent.
Our exclusive risk management
resources help your agency avoid
making common preventable
mistakes.
Protect.
Our superior coverage through
Swiss Re Corporate Solu ons and
our experienced claims teams are in
your corner in the event of a claim.
Prosper.
When you know you have the
best agency E&O Protec on, you
can focus on growing your most
important asset–your business.
The Big “I” and Swiss Re Corporate Solu ons are commi ed to providing IIABA
members with leading edge agency E&O products and services. The IIABA and
its federa on of 51 state associa ons endorse the comprehensive professional
liability program offered by Swiss Re Corporate Solu ons.
Visit www.iiaba.net/EOContact
to connect with your state associa on today.
Insurance products underwri en by Westport Insurance Corpora on, Overland Park, Kansas.
Westport is a member of the
Swiss
Re group of
companies
is licensed
allstates
50 states
District
of Columbia. © 2012
Big “I”
Advantage, Inc. and Swiss Re
ons andand
is licensed
in allin50
andand
the the
District
of Columbia.
© 2012
Big
Swiss
Re Corporate
Solu
. “I” Advantage, Inc. and Swiss Re
1
INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA
2014 OFFICERS
PRESIDENT
Gerrit Juffer
Juffer Inc.
Wagner SD
PRESIDENT-ELECT
Steve Walker
First Madison Insurance
Madison SD
VICE PRESIDENT
SECRETARY-TREASURER
PAST PRESIDENT
IIABA STATE NAT’L DIRECTOR
Pat Tollefson
Insurance Plus
Aberdeen SD
Kathy Johnson
First Western Insurance
Rapid City SD
DISTRICT # 1
Annette Conway
Western Dakota Insurors
Rapid City, SD
2014 DIRECTORS
Jesse Konold
Key Insurance Inc.
Mobridge, SD
Dan Maguire
Black Hills Agency Inc
Rapid City SD
DISTRICT # 5
Janet Noteboom
The Insurance Center
Winner, SD
DISTRICT # 2
DISTRICT # 6
DISTRICT # 3
DISTRICT # 7
Pat Tollefson
Insurance Plus
Aberdeen SD
Mindy Huntington
Fischer Rounds & Assoc.
Watertown SD
Rich Job
BW Insurance Agency
Vermillion, SD
Derrick Linn
Western Dakota Insurors
Sturgis, SD
DISTRICT # 8
DISTRICT # 4
Annette Conway
Western Dakota Insurors
Rapid City, SD
Amy Olson-Miller
McKinneyOlson Insurance
Sioux Falls SD
EXECUTIVE VICE PRESIDENT
Jerry Diamond
IIASD
Pierre SD
The Executive Corner
Jerry Diamond, Exec VP
EXECUTIVE CORNER
I had the privilege of traveling to Washington, D.C.
with five of our IIASD board members and five young
agents from South Dakota. We attended the Big I
Legislative Conference and lobbied our Senators and
Representative. The most impressive opportunity was
being able to meet with all three of our United States
Legislators.
The highlights of the trip were listening to two U.S.
Representatives - a Republican from California and a
Democrat from New York. Both had the same
message: that our Great Nation is in big trouble and
it is nothing that cannot be fixed. They agreed on one
main point: that both parties need to work together to
get this Nation back on its feet.
The other highlight was assigning a question of
concern to each young agent and having them present
this question to our South Dakota legislators. The
young agents all started off a little nervous, but in the
end, they started to sound like lobbyists! We covered
the Farm Bill, Taxation, NARABII, the Affordable Care
Act, and several other insurance issues.
This conference had many great speakers and they
covered everything from marketing to politics. This
truly is a once in a lifetime experience and more of our
members should apply to be part of this annual trip.
We will have more on our trip to Washington D.C.
with photos in our May issue.
Remember: Think Spring.
3
E&O EDGE – Carolyn Hofer,
E&O Administrator
Save the Date: June 2 – 5th
E&O Loss Control Seminars
It is that time of year again – even though the weather
doesn’t always seem to cooperate, Spring is here which
is evidenced by the crowing rooster pheasants and the
newborn calves we see everywhere in the pastures. It
has been a long winter and we are ready for change.
Speaking of change – you won’t want to miss the E&O
Risk Management seminar we have coming up the first
week of June. “Meeting the Challenge of Change”
offers a practical, professional, well-rounded approach
to reviewing your procedures and agency organization
to insure that you do everything possible to prevent
an E&O claim from ruining your day, your reputation
and your finances.
This year, we are excited about bringing in an
instructor who has been involved with Westport and
our National Association in developing the criteria
and material for E&O Loss Control programs. Cheryl
Koch of Roseville, CA has spent most of her 30-year
career on the agency side so she can relate to your
everyday operation. She has also worked on the
company side as VP of Learning and Development so
she knows insurance operations from the inside out.
Sitting through an all-day seminar is hard for all of us
who jump from one task to another in our everyday
work day so I feel it is important to have a great
educator who knows the subject and has experienced
the culture. Cheryl fits the bill.
Who Needs to Attend?
Everyone in your agency should periodically attend
the E&O Loss Control seminar. My suggestion is to
rotate those who attend making sure that everyone has
the opportunity to attend one of these seminars every
three years……even unlicensed employees.
South Dakota Statistics
South Dakota Claims statistics show that producers/
account managers and CSR’s cause 90% of the E&O
claims in an agency with Commercial Lines (34%) and
Crop (48%) being the top lines resulting in claims. The
alleged error/omission that produce the highest cost
claims are:
1)Failure to procure coverage – 24%
2)Inaccurate information – 22%
We have great agents in South Dakota and our legal
climate is more favorable than many other states;
however, we do have E&O claims. If you are lucky
enough to never have experienced one, don’t count on
your luck prevailing. It just takes one small
mistake (and we all make them) or one disgruntled
client to ruin your day. You don’t even have to be
wrong! You may have just not documented your file
well enough to establish the facts. We have had years
with great loss ratios but it just takes one or two big
claims and with the small volume a state like SD
develops, the loss ratio can elevate over 75% like it did
in 2011 on our Westport book. Fortunately, we are part
of a National Program so we don’t have to worry about
losing our carrier but as we all know, loss experience
affects rates!
What Can YOU Do?
Mark your calendar right now to attend this year’s
E&O Loss Control seminar – Meet the Challenge of
Change needed in your agency.
Register Today – See Page 29 for registration form
and attendance requirements for E&O credit
4
Division of Insurance
News and Views
Agriculture Act of 2014 (the 2014 Farm Bill)
The Agricultural Act of 2014, or the “farm bill,” was
signed into law in February. This extensive law makes
major changes in commodity programs, adds new
crop insurance options, and expands programs for
specialty crops, organic farmers, bioenergy and rural
development.
Perhaps the biggest change in the new law is that
support for traditional program crops is reorganized
by eliminating direct payments and allotting the
savings into the crop insurance program. Instead of
receiving direct and countercyclical payments as in
prior years, which were automatic and based on farm
prices, acreage and yields, the role of crop insurance as
farmers’ safety net will expand.
The farm bill also tasks the USDA to: conduct research
and development for new crop insurance policies;
create a new crop insurance policy called Stacked
Income Protection Plan (STAX) for cotton producers;
establish a peanut revenue insurance program;
develop a whole farm risk management program; and
begin a study of food safety insurance.
In addition to these changes, the law reinstates and
permanently authorizes the livestock disaster
assistance program, which pays farmers if they
suffer grazing land losses due to fire or drought. It also
makes available increased access to credit and loans to
beginning farmers and ranchers, streamlines
conservation programs, and modifies some provisions
of the Supplemental Nutrition Assistance Program
(SNAP), commonly referred to as the food stamp
program.
The federal government will continue to subsidize a
portion of farmers’ crop insurance premiums. Farmers
will be able to choose between two new programs to
augment their crop insurance policy: Price Loss
Coverage (PLC) or Agriculture Risk Protection (ARC).
These programs, in addition to their crop insurance
policy, will compensate them against losses or low
farm prices.
The law creates an additional policy called
Supplemental Coverage Option (SCO), which would
cover part of a crop insurance policy deductible. It
also stipulates that crop insurance premium subsidies
are available only if farmers comply with wetland and
highly erodible land conservation requirements. This
option will not be available to farmers who choose
ARC in addition to their policy.
SIMPLE SOLUTIONS
TO ATTRACT AND
RETAIN CUSTOMERS.
Karen Bailo
GM, Agency Sales
and Distribution
Learn how Progressive leads the independent agent market in awareness, consideration,
savings, and customer service*. To view our product offerings and to become a Progressive
appointed agent, visit ProgressiveAgent.com.
Progressive Casualty Ins. Co. & affiliates. *Source: Millward Brown monthly brand tracking study, Q4 2012. 13A00200.B05 (09/13)
5
Kayla’s Technology Advice
Game Changer: Electronic
Policy Delivery
Article By: Susan Labarre
The insurance industry is a paper hog.
Insurance companies probably generate and distribute
more paper than any other industry, second only to
publishers of books, magazines and newspapers. But
even publishers are migrating more and more towards
electronic platforms, and carriers are beginning to
adapt as well.
With the introduction of dual monitors, smartphones
and tablets, most insurance organizations have
begun to reduce their reliance on paper over the last
five years—it simply requires changing getting
creative about information exchange, while still
remaining “trusted advisers.”
The first step? Electronic policy delivery. In
increasing numbers, consumers are demanding online
access to their insurance information, including auto
ID cards, certificates of insurance and copies of their
insurance policies—and research indicates that seven
out of ten clients prefer electronic documents.
Here’s how to implement electronic policy delivery
at your agency:
Adopt Activity Notes to receive policy copies
electronically from carriers directly into agency
management system.
Implement a new process to obtain and retain the
approval of clients to accept electronic versions of
policies and other insurance documents.
Employ a secure and registered email or eSignature
tool to send electronic documents to clients
securely, or provide access to documents through a
secure, password-protected portal .
Combined, these solutions enable the typical
agency to: Eliminate scanning and indexing paper
copies of many documents, Significantly reduce
printing and mailing costs, Reduce the “cycle time” to
deliver a policy from weeks down to days or even
minutes, Increase renewal retention Learn of
transactions before clients do Free up staff to
acquire new business, cross-sell and service existing
accounts Compete more effectively with direct
carriers .
Besides that, moving to electronic delivery is good
for our planet. The average tree makes 16.67 reams
of copy paper—more than 8,000 sheets, according to
conservatree.org. From consumers to corporations,
society is recognizing the need to reduce its carbon
footprint, but the insurance industry generates billions
of pages of paper documents each year. Delivering
policies electronically will allow us to preserve vital
natural resources.
And electronic policy delivery is also good for your
bottom line. When agents do the math, reducing
dependence on paper saves them time and money.
Receiving policies electronically gives agencies an
easier, faster way to enter them into the agency
management system and deliver them to clients.
The migration from paper to electronic documents is
an evolution, not a revolution. It will take some time for
all parties involved to modify systems and workflows
to fully support electronic delivery. Some consumers
may never embrace electronic documents 100%, but
let’s treat exceptions as just that. Times are changing,
and our industry needs to step up to the challenge by
setting a positive example and positioning ourselves to
compete with direct carriers.
To thrive as a value-added distribution channel,
independent agents, brokers, carriers and vendors
must work together in order to offer our customers an
electronic experience that is better than paper.
Other
insurance
companies
can’t touch
our iPAD
app!
GreatAmerican Crop.com
Our Crop agents can write,
sign and submit coverage
from the field. Can you?
Great American Insurance
Group is an equal opportunity
provider. 301 E. Fourth Street,
Cincinnati, OH 45202
6
2015 Product Filing Deadlines
The filing deadlines in this bulletin apply to all individual and small group ACA-compliant health plans, including qualified
health plans and stand-alone dental. Each insurer wishing to sell or renew ACA –compliant products with effective dates on
or after January 1, 2015, either inside or outside the exchange, must comply with these filing deadlines for rates, forms, access
plans,and binder filings. No new filings or revisions to the filings may be made after the filing deadline except as required by
the Division of Insurance or the Federal Government.
Category
Deadline
Inside exchange only
June 15, 2014
Inside and outside exchange
June 15, 2014
Outside exchange only
June 15, 2014
No Rate or Form filing submitted in accordance with this bulletin will be approved prior to June 15, 2014.
These timeframes do not apply to grandfathered plans and non-grandfathered plans in effect on or before December 31,
2013.
Retention Strategy #6
CLAIMS METRICS
“ When it comes
to claims, we
know the score!”
Connie Jarzynka, Omaha Branch Senior Claims Adjuster
EMC does more than handle claims, we score
them. Information gathered from adjusters and
customers provides us with metrics to continually
enhance the quality and promptness of EMC’s
claims handling. It’s just one of the many reasons
policyholders Count on EMC®.
Omaha Branch: 800.338.9735
|
Home Office: Des Moines, IA
www.emcins.com
© Copyright Employers Mutual Casualty Company 2014. All rights reserved.
7
Nationwide Strength.
Midwest Values.
1
NO.
WORK COMP
Writer in SD
www.rascompanies.com
800.732.1486
We partner with our agents to help employers control the rising
costs of managing a workforce while protecting profitability. We
have a proven history of solid performance throughout South
Dakota and continually develop new ways to overcome the
difficult issues inherent to workers’ compensation. We have a
team approach to deliver exceptional service.
n Stay at WORK/RetuRn tO WORK PROGRaM
DeVeLOPMent
n LOSS PReVentiOn anD tRaininG
n COSt COntainMent PROGRaMS
n MyRaSSM OnLine eMPLOyeR ReSOuRCe ManaGeR
n LOCaL CLaiMS ManaGeMent anD CaSe ManaGeMent
IIASD DUES DEDUCTIBILITY
Please note that dues are not deductible as a charitable contribution but may be deductible as an ordinary and
necessary business expense. The portion of the dues related to lobbying expense is NOT DEDUCTIBLE as an
ordinary and necessary business expense. The non-deductible portion of dues for 2013 are as follows:
IIABA - 23.14%
IIASD - 25%
For tax purposes, add the two percentages together for a total of 48.1% of non-deductible dues.
This is the first year we have shown a non-deductible dues amount for IIASD. Legislative activity affecting the
Independent Insurance Agents of South Dakota has required us to take a more active role in lobbying resulting
in additional expense. We continue to do our best to protect the role of the independent insurance agent. Be
sure to take an active role when we send out email blasts requesting your assistance with your legislators. See
Page 20 of this newsletter for the article on “Get to Know Your Legislator” to complete and return the legislative
form to our office. The future of the independent insurance agency system and our industry in hinging on how
we react and work together on the issues that affect how we do business.
8
2014 IIASD EVENT SCHEDULE
June 2-5th
E&O Seminars in
Rapid City, Pierre, Aberdeen, and Sioux Falls
June 17-19th
Board Meeting
River Days/Walleye Classic in Pierre
October 5-7th
Board Planning Meeting/
Annual Convention-Deadwood
November 11-12th
Board Planning Meeting
Insuring the Midlands Since 1891
Les Hileman, CPCU, AIC
Vice President of Agencies
800-742-7433
lhileman@fmne.com
9
IT’S A THIN
GRAY LINE.
WHERE DO YOU
STAND?
NEXT IN A NEW SERIES OF
C E C R E D I T C O U R S E S E X C L U S I V E LY
FOR ACUITY AGENTS!
For All That Matters
W W W . A C U I T Y U . C O M
ACUITY
10
FIELD MARKETING
REPRESENTATIVE WANTED:
Nodak Mutual Group including American West Insurance Company, servicing multiple states, has an opportunity for
a Field Marketing Representative serving South Dakota. This individual will be responsible for promoting & training
the complete product line of American West Insurance, primarily property & casualty and to include crop products,
through independent agents to increase premium volume. In addition this position is responsible for recruiting new
agencies as well as the quality and integrity of insurance written within the assigned territory. This position is the first
point of contact with the field and works as a liaison between American West Insurance and independent agents.
Successful candidates will include:
•Self-motivated and able to work independently.
•Minimum high school diploma with at least 5 years direct related experience within the property & casualty industry
•Prefer college degree in related field, business degree, agricultural, etc.
•Insurance sales experience desirable.
•Extensive knowledge of basic underwriting concepts, practices and procedures within the property & casualty
industry and/or crop insurance.
•Incumbent will office out of their home in the territory of South Dakota.
•Extensive travel will be required in SD.
Qualified applicants should send cover letter with resume to Human Resources Dept., P.O. Box 2502, Fargo, ND
58108, or email humanresources@nodakmutual.com.
www.yourawi.com
We are known for transportation, BUT…
Did you know we have a FULL HOUSE?
Northern States Agency, a Managing General Agency &
Wholesale Broker for over 55 years, providing a wide range
of commercial insurance:
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General Liability

Property

Garage
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Commercial Auto
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Excess Auto
Workers Compensation
Inland Marine & Cargo
Umbrella & Excess
Professional Liability
Miscellaneous E & O
Directors & Officers
Our underwriters average over 10 years experience with NSA
Same day or next day response on submissions
Great Service, Great Products, Great People
2145 Ford Parkway, Suite 202
St. Paul, MN 55116
P: 800-328-0828 • F: 651-646-1971
www.nsa-mga.com
Your TOTAL Solutions Provider
11
FEATURED PLATINUM PARTNER
OF THE MONTH
Your success is our priority and our innovative technology is just
one of the many ways we support your business.
Help your producers start the season right with EASYmapping®,
our complimentary mapping application. With a simple interface,
dynamic imagery and streamlined integration with EASYwriter
Pro©, policy mapping has never been easier or more accurate.
Meet your clients at their convenience with EASYmobility®, our
full service iPad® app. Quote policies, submit applications and
even report acreage anywhere you have an internet connection.
Now, crop insurance is as mobile as you want.
Grow your business with our
innovative technology!
Visit naucountry.com or call 1.888.NAU.MPCI to learn more.
Apple and the Apple iPad tablet are registered trademarks of Apple Inc., registered in
the U.S. and other countries.
© 2014 NAU Country Insurance Company. All rights reserved. NAU Country Insurance
Company is an equal opportunity provider. QBE and the links logo are registered
service marks of QBE Insurance Group Limited. NAU is a registered service mark of NAU
Country Insurance Company.
Your gateway to
contractors markets.
CONTRACTORS SOLUTIONS
Placing insurance for different contractors can be a daunting project.
At Burns & Wilcox, our network of domestic and international carriers
opens doors to the broadest range of markets. Since time is of the
essence, we deliver quotes and binders fast. When it comes to finding
solutions for every stage of construction, contact the wholesale broker
with the tools to make the hard-to-place easy – Burns & Wilcox.
Denver, Colorado | 303.804.0200 | toll free 800.888.9701
fax 303.804.0207 | denver.burnsandwilcox.com
Minneapolis, Minnesota | 612.564.1880 | toll free 800.328.1693
fax 612.564.1881 | minneapolis.burnsandwilcox.com
Commercial | Personal | Professional | Brokerage | Binding | Risk Management Services
34345_BW Cont IIASD MN1 CO1 Rsz_APPROVED.indd 1
1/7/14 11:37 AM
IIASD HASN’T MOVED
ARE YOU
WE ARE JUST CHANGING
OUR MAIL DELIVERY TO:
totally
WORRY FREE?
305 Island Drive
Fort Pierre, SD 57532
®
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WWW.IMTINS.COM
WEST DES MOINES, IOWA • 800.274.3531 • WWW.IMTINS.COM
“A Personable Company Keeping You on Course’’
Rated “A+ Superior”
“Insuring Homes, Farms,
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Offered Exclusively Through
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www.northstarmutual.com
1-800-622-5230
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14
Sentry Knows Trucking
Sentry understands trucking is your number one priority. That’s why
we constantly review and enhance our coverages to provide you with
the insurance protection you need.
Some of the important coverages we offer include:
• Unlimited towing coverage
• Pollution liability
• Blanket additional insured
endorsement
• Unladen liability
• Cargo pollution cleanup
• Enhanced deductible options
• Accident travel coverage
• Non-trucking liability
• Workers’ compensation coverage
Learn more about the products and services Sentry provides. Call today.
Scobie Group
1501 42nd St, Suite 100
West Des Moines, IA
Scobie Group
14748 West Center Rd, Suite 202
Omaha, NE
1-800-475-1000
www.fwins.com
1-800-825-4855
www.fwins.com
Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com. Policies, coverages, benefits and
discounts are not available in all states. See policy for complete coverage details.
688225 05/26/11
15
State Farm slapped with $3m in fees
Article By: Caitlin Bronson- Insurance Business America
State Farm must pay $750,000 in damages, plus an extra $2.9 million in attorney’s fees and expenses, for
defrauding the US government on a Hurricane Katrina homeowner’s insurance claim, a federal judge ruled
Friday.
The suit was brought by former insurance adjusters Kerri and Cori Rigsby, who alleged State Farm minimized its
losses for wind damage by blaming storm surge from Hurricane Katrina, instead causing the burden of repayment
to fall under the responsibility of the National Flood Insurance Program (NFIP).
Thanks to State Farm’s allegations, NFIP paid homeowners Thomas and Pamela McIntosh up to policy limits of
$250,000, while State Farm paid just $36,000 for wind damage.
The insurer denied any wrongdoing in the case, and is deciding whether to appeal the verdict to the 5th US Circuit
Court of Appeals.
For related articles visit www.ibamag.com
Tired of waiting for the market to change?
At Ringwalt & Liesche, we’re not waiting
around. We’re proud to be an agency that
can offer stability regardless of market
conditions. Check out our website at
Ringwalt.com to learn more, or just give
us a call - we’d love to hear from you!
• Commercial Auto
• Garage Liability
• General Liability
• Commercial Property
• Workers’ Comp
• Motor Truck Cargo
• Prize Indemnification
Ringwalt & Liesche
Send your submissions to: RL@nationalindemnity.com
P: 800-708-7448 • F: 402-916-3333 • www.Ringwalt.com
16
NEW MEMBERS CORNER:
Meet new members of our Association
We look forward to providing services to:
Member Agencies:
Lemme Agency Inc.
Arlington, SD
Principal- Jan Lemme
Platinum Insurance Group, LLC
Sioux Falls, SD
Principal- Janelle Duthoy
Join us in welcoming them to IIASD!
Not sure where to turn for
Commercial Auto insurance?
Let the insurance experts at
E&L show you the way.
www.ericksonlarseninc.com
Maple Grove, MN
800-442-3168
Convention 2014
October 5th – 7th
Fargo, ND
800-284-0965
Madison, WI
888-249-6050
The Lodge at Deadwood
605-584-4800
Overflow lodging at:
SpringHill Suites – Marriott
605-559-0476
Don’t Wait
Make your reservations today!
www.nwgf.com
INSURANCE FOR:
Homeowners
Farmowners
Modular Homeowners
Personal Auto
Farm Property
Dwelling Property
Mobile Homes
Excess Liability
Farm and Personal Liability
Classic Vehicle
Semi-Truck
Ask For IIASD Room Block!
17
FEATURED PLATINUM PARTNER
OF THE MONTH
WE STAND FOR
you.
SM
And support farming as a business,
a lifestyle and a calling.
We like working with people who share the same values. Don’t you?
With Nationwide Agribusiness, you can offer your customers protection
from the nation’s number one farm insurer. Here’s a little more about us:
• We’ve been protecting U.S. agriculture for over 100 years
• Our staff considers farming and agriculture to be their passion
• Our state-of-the-art farm policy is designed to offer protection
for traditional family farms and large farms with commercial
farming operations
• On Your Side® Farm Certification program gives our farm agents
a competitive edge
Partner with America’s top farm insurer.
Contact Sherry Paczosa, Farm Sales Manager,
at 402-450-3176 or paczoss@nationwide.com today.
NationwideAgribusiness.com
Source: 2012 Munich Re Report. Based on profit and loss data. Nationwide, the Nationwide framemark and On Your Side are service marks of Nationwide
Mutual Insurance Company. We Stand For You is a service mark of Nationwide Agribusiness Insurance Company. © 2013 Nationwide Mutual Insurance
Company. Nationwide Agribusiness is a service mark of Nationwide Mutual Insurance Company. GPO-0186AO (12/13)
BIG “I” PRAISES HOUSE PASSAGE OF ACA EMPLOYER MANDATE RELIEF BILL
Bill defines a full-time employee as an individual who works 40 hours per week
WASHINGTON, D.C., April 3, 2014 — The Big “I” today applauds the U.S. House of Representatives for passing H.R. 2575,
the “Save American Workers Act of 2013,” by Rep. Todd Young (R-Ind.), in a bipartisan vote.
H.R. 2575 would change the definition of a full-time employee (FTE) under the Affordable Care Act (ACA) to an individual
who works 40 hours per week. The legislation targets the employer mandate provision of the ACA that says “large employers”
must provide coverage to employees.
“Independent agencies serve many clients who have struggled with the prospect of complying with the employer mandate,
and in particular the 30 hour per week definition of a FTE,” says Robert Rusbuldt, Big “I” president & CEO. “H.R. 2575 is a
common-sense fix and we applaud the House, particularly Rep. Young, for advancing this bipartisan effort.”
Originally slated to go into effect in 2014 in tandem with the individual mandate, the employer mandate requires businesses
with 50 or more FTEs to provide affordable (premiums no greater than 9.5% of income) coverage of at least a Bronze level
plan equivalent (60% actuarial value) to its employees. While the provision has many problems, the most glaring concern
is that the definition of a FTE is an individual who works an average of 30 hours per week as opposed to the traditional 40
hours per week.
“Implementation of the employer mandate has caused many businesses to undergo the prospect of great financial strain, or
to contemplate dropping their health care plan altogether,” says Charles Symington, Big “I” senior vice president for external
and government affairs. “The Big “I” believes H.R. 2575 would provide much-needed relief for job creators.”
At United Fire Group...
Service
is no accident
United Fire Group is committed to our independent insurance
agents, providing the innovative products and superior service
they want and deserve. We don’t take this commitment
lightly. At United Fire Group, our underwriters, marketing and
claims personnel are recognized for their:
• Reliability,
• Honesty,
• Responsiveness,
• Compassion, and
• Fairness.
These are qualities we practice every business day, because
at United Fire Group, service is no accident.
United Fire Group
Cedar Rapids, Iowa www.UnitedFireGroup.com
Sangeena Sharma
Project Manager
United Fire Group
19
Pre-Licensing Class Announcement
IIASD and A.D. Banker of the Dakotas
Have Partnered
We are excited to announce that IIASD and A.D. Banker of
the Dakota have partnered to provide insurance and
securities licensing preparation classes and materials at a
15% IIASD Member Discount. A.D. Banker offers Exam
Prep classes each month in Sioux Falls and quarterly classes
in Rapid City.
Class schedules are listed at:
www.adbanker.com/dakotas
Self-study and online study options for Exam Prep are also
available. Materials and classroom instruction have been
very successful with an average of 95% of students taking
their license exam passing on the first try!
Sandy Kost is the Owner/Managing Director of A.D. Bankers of the Dakotas and has worked in the insurance and
financial services industry since 1988. She has worked with
insurance agents, investment reps, agencies and banks in
SD, ND, NE, IA, MN and WI. She has provided training on
various products and topics.
To register for a class or to order materials, go to:
www.adbanker.com/dakotas
Call: 605-271-4440 or 877-317-3087. Be sure to use the
IIASD Promo/Discount Code to receive your 15% Member
Discount.
Promo Code: 1594626
The
Right Mix
Austin Mutual Insurance Company’s rich tradition
and strong South Dakota presence set us apart
from other property/casualty carriers.
As the newest affiliate of super regional The Main
Street America Group, our two companies are
committed to providing you with commercial and
personal lines, as well as fidelity and surety bond,
products that are competitive in the marketplace.
Need More information?
Call (800) 328-4628 or Visit www.msagroup.com
IIASD 2011 in color FINAL_Layout 1 10/27/2011 3:22 PM Page 1
www.msagroup.com
Contractors
WHOLESALE ACCESS to
First Dakota Indemnity and
Dakota Truck Underwriters,
Healthcare
known as the Dakota Group. The Dakota
Group is the largest writers of workers’
compenation business in South Dakota
and a leading writer in the Midwest.
Manufacturing
providing workers’
compensation solutions
Hospitality
Retail
PO Box 89846
Sioux Falls, SD 57109-9846
P. 605.361.5705 or 866.440.1840
E. beth.dobbs@insurancealt.com
20
We commit ourselves to providing you with the highest quality
claims and case management services available in our industry.
We appreciate your continued support and look forward to serving
your needs. Please visit our website for a directory of our staff,
services, and coverage area.
Jeff Jares, AIC AIM
President
ABC INSURANCE AGY
555.123- 4567
johndoe@abc.com
abc.com
Mailing Address:
123 MAIN ST.
Edina, MN 55435-5312
Adjusters – Sioux Falls
Nancy Almendinger SCLA SDWCS
Jennifer Andrisen Selzler, Mgr. SCLA AIC CSRP SDWCS
Tim Wieker SCLA AIC HCRI-R, C
Christopher W. Madsen J.D. General Counsel
Bill Blackman AIC
Lynn Bren SCLA AIC
Ron Burmood MBA AIC
Kay Greve AIC, INS
Dave Johnston SCLA
Jerry Matthiesen AIC
Dave Sendelbach CPCU AIC
Chad Moore
Wendi Peterson AIC
Amy Kvernmo
Kimberly Rausch SDWCS
Adjusters – Rapid City
John Keffeler, AIC
Bruce Eleeson
Download Western National’s
mobile app today!
Case Managers
Donna Passick RN CCM
Kelly Rud RN BA LNCC
Deb Whipple RN BA CCM Lori Schaefbauer RN BSN CCM
driven
STeAdY ANd True
No company understands the insurance needs of
truckers more than Truckers Insurance Associates
— created by truckers for truckers. And for 60 years,
Truckers Insurance has remained solely focused on
transportation industry insurance. So whether your
clients include a single owner-operator or a full-fledged
fleet, Truckers Insurance will deliver the right coverage at
the right price. Even more, as trucking specialists, we’re
ready to respond rapidly when needs arise. That’s service
you can count on. That’s putting know-how to work.
That’s Truckers Insurance. Call your Truckers Insurance
account manager at 800.652.9515 for a quote today.
WEDELIVERMORE
www.truckers-insurance.com
800.652.9515
21
FRAUD Convictions
The cover was blown on this roofing ploy. Contractor
James Twaddle cruised Kentucky neighborhoods
offering to install new roofs, asking for money upfront
but never completing the work. Twaddle was the
president of Restore-IT USA, a roofing company
located in Columbus, Ohio and ran his Kentucky
outlet from an office in Louisville. Twaddle’s allegedly
deposited the stolen money into a company bank
account and transferred the client loot to his personal
account. He received two years suspended for taking
more than $2,460 from Diana Amos. He must repay
her and other victims nearly $7,900 total, and faces
more charges in other Kentucky counties. Insurance
fraud is among the 42 counts Twaddle also faces in
Ohio.
The injury con by a scrap-metal dealer has been
scrapped, the Ohio Workers’ Compensation Bureau
says. Dale Richards said a work injury prevented him
from continuing his job and he went out on temporary
total disability. The Grove City man received nearly
$30,400 in comp money while making a living
selling 74 tons of scrap in Columbus. Richards also did
construction and remodeling work. He received eight
months in prison and must repay the money.
Another kind of one-armed bandit showed up in
Las Vegas. Postal worker Michael Le Duc told three
insurers that a wood chipper ground up his left arm
in a grisly accident. He made disability claims worth
$900,000. Le Duc went to a hospital for another
matter then altered the medical forms to reflect the
fake injury. He pleaded guilty and received more than
four years in jail.
Superstorm Sandy rained on Farouk Soliman’s con.
The Little Silver, New Jersey man told his insurer that
the big storm trashed his barn. But it turns out that the
local municipality had condemned the barn for being
structurally unsound before the winds touched down
in Monmouth County. Soliman filed a false claim to
try and recoup the cost of hiring a demolition firm to
raze the barn. He pleaded guilty Monday and will
receive up to a year in jail when sentenced in May.
A former conductor turned on fellow Long Island
Rail Road employees to avoid jail for faking
disability to retire early at railroad expense. James
Maher pleaded guilty last year to stealing nearly
$350,000. He retired in 2003 and claimed a severe
disability. Maher said he had difficulty standing and
bathing, doing chores, and driving. But, the
supposedly debilitated Maher worked 1,000 hours of
overtime the year before retiring to maximize his
pension. He also drove 900 miles to Florida after
filling out his disability application and performed
home improvement projects in retirement. He then
lied to a grand jury that he had hired a handyman
for the home projects. Maher testified against other
LIRR employees in exchange for lenience — 300 hours
of community service. He also must repay $400 per
month, giving him 72 years to finish up. At least 33
doctors, consultants, retirees, and others have been
charged and convicted in what prosecutors say was a
massive decades-long conspiracy to scam the LIRR.
The scheme could have cost $1 billion if not stopped,
prosecutors say.
White House Signs Homeowner Flood
Insurance Affordability Act
On Friday, March 21, President Obama signed HR3370, also known as the Homeowner Flood Insurance
Affordability Act of 2014. This bill was passed with hopes to address some of the unintended consequences
impacting flood policyholders due to the Biggert-Waters Reform Act of 2012 (BW12).
Now that the president has approved the Affordability Act, FEMA and the NFIP are actively working to analyze
the changes this new law brings and determine how each element will be implemented. At this point, industry
analysts believe it may take 12-18 months before FEMA begins issuing refund checks or executing against any of
the bill’s primary changes.
In the meantime, for an overview of the key highlights we expect to see from the Homeowner Flood Insurance
Affordability Act of 2014, please refer to our latest Flood News bulletin here.
You can count on Selective to continue to keep you informed of any developments and how they may impact your
flood insurance business. For additional assistance or if you would like more information, please contact me today.
Don Burke
765-577-0330
Don.Burke@Selective.com
Why
American West
Insurance?
• Local company with over 60
years agriculture insurance
experience
• Quality products
• Competitive pricing
• Expert claims and
underwriting services
WE STAND FOR
you.
SM
And support farming as a business,
a lifestyle and a calling.
Offer your customers protection from the nation’s
number one farm insurer.
Contact Sherry Paczosa, Farm Sales Manager, at
402-450-3176 or paczoss@nationwide.com today.
Be Protected. Be Sure®.
yourawi.com
To learn more about AWI contact
Bruce Meyer at bmeyer@yourawi.com
or call 605-929-2782.
NationwideAgribusiness.com
Agribusiness • Farm & Ranch • Farm & Ranch Auto • Personal Auto
Excess Liability • Watercraft • Crop-Hail • Multi-Peril
Source: 2012 Munich Re Report. Based on profit and loss data. Nationwide, the Nationwide
framemark and On Your Side are service marks of Nationwide Mutual Insurance Company.
We Stand For You is a service mark of Nationwide Agribusiness Insurance Company.
© 2013 Nationwide Mutual Insurance Company. Nationwide Agribusiness is a service mark
of Nationwide Mutual Insurance Company. GPO-0186AO (12/13)
23
EXPERIENCED COMMERCIAL
LINES PRODUCER:
United Fire Group
Ad Here:
McKinneyOlson in Sioux Falls is looking
for an experienced Commercial Lines
Producer.
If interested in this position please send
resume to:
McKinneyOlson
PO Box 89727
Sioux Falls, SD 57109
Insurance Operations Manager
Fairmont, MN
Bank Midwest Insurance is seeking a full-time
Operations Manager to oversee and administer
agency-wide operations for locations throughout SW
MN and NW IA. Accountable for the overall core
operating system and implementing standardized
procedures for all end users. Must be a leader with
strong technological and problem solving skills.
Bachelor’s degree preferred and a minimum of 3 years
insurance experience. Bank Midwest Insurance is an
independent agency. Competitive wage and benefit
package, including an employee stock ownership plan.
24 HO&UFRire
Water ation
Restor
Interior Cleaning
Disaster Clean-up
• Carpet/Rug Cleaning
• Furnace/Duct Cleaning
• Dry Cleaning
• Upholstery Cleaning
• Floor/Ceiling Cleaning
• Hard & Soft Contents
• 24 Hour Emergency Service
• Fire Damage Clean-up
• Water Damage Clean-up
• Reconstruction Service
• Smoke/Odor Removal
• Emergency Moving/Storage
• Boardups
• Mold Remediation
To apply for this position please visit bankmidwest.
com and click on About for Employment
opportunities.
EOE/AA
605-334-9716 • www.intekclean.com
The Most Important Lessons I’ve Learned about Selling for a Living
by John Chapin
After 26+ years as a successful salesperson, here is what I know to be true about sales.
Six Sales Lessons
Lesson #1: If you’re looking for 9 to 5 and safety and security, sales is not for you.
Sales really is the hardest high paying work or the easiest low paying work. Top salespeople are extremely hard
workers, they get in early, stay late, and most work the weekends. While it’s true that well-established
salespeople sometimes cut back a bit on their hours and weekends, when needed, they are still able to call
upon a great work ethic and put in the extra hours. Top salespeople go above and beyond, they answer their
phones off-hours, and they are always ready to respond at a moment’s notice.
In addition to putting in extra hours, working outside of “normal” hours, and working extremely hard, top
salespeople are able to take the ups and downs of a sales career. They are experts at overcoming adversity and
pros at controlling their emotions. They realize that sales is not for the feeble or faint-of-heart. They know you
need to keep your mental edge at all times and you must learn to use everything to your advantage.
Lesson #2: Successful salespeople always find a way to succeed.
Have you ever noticed that the most successful salespeople are always successful regardless of how bad the
economy, the market, or anything else seems to be? Have you also noticed that unsuccessful and mediocre
salespeople are always, at best, average no matter how good things are? 90% of your brain, the subconscious,
is super creative. Successful salespeople use the creative brain to come up with resourceful ways to increase
business, get through hurdles, and overall, become more successful. Unsuccessful and mediocre salespeople
use the creative brain to find ways to look busy, waste time, and otherwise avoid the hard work necessary for
success. They clean their desk, do paperwork in the middle of the day, or schedule doctor appointments and
other personal items during prime calling times. This is the same theory behind why the rich get richer and
the poor get poorer.
Lesson #3: Sales success or failure comes down to you.
This ties in with #2. Successful salespeople know that if you do the proper amount of the right activities
during the day, you will be successful, if you don’t, you won’t. This of course assumes that you have a decent
product and work for a reputable company. If that is the case, and you still fail, you have no one to blame but
yourself. It’s not the economy, your upbringing, or the bad break you got 15 years ago. Many others have had
it much worse than you and have been successful; the top salespeople understand that you and you alone are
responsible for your success or lack thereof.
Lesson #4: You need to have a burning desire to succeed.
Successful salespeople know what they want for themselves and their families, they have a plan to get there,
and they will either win or die trying. They do not allow for anything other than success. You can see it in their
eyes, hear it in their voice, and sense it in the way they carry themselves. There is an overwhelming confidence
that they will achieve the outcome they desire and they do so time after time. Top salespeople know that you
can have it all and you don’t have to sell your soul to get it, but you do occasionally have to go through hell.
Lesson #5: You are the parent of an 18 year old… and the 18 year old is you.
Any parent of an 18 year old knows how tough it can be to get them to do some things. Well, when it comes to
sales, you are your own 18 year old. Top salespeople are self-starters and have the self-discipline to
govern themselves and get themselves to do what must be done every day. They realize that in sales you are
self employed and that if you make the sales, you’ll stick around, if you don’t make the sales, you’ll be gone.
The bottom line is: if you need someone standing over you to make sure you are doing what you have to do,
you’re in the wrong business. Top salespeople have the drive and motivation to push themselves extremely
hard even when they’re all alone.
Lesson #6: You always have to be learning and improving.
Top salespeople know that you can never know it all. There are always new techniques, new technology, and
new ideas that are being created every day. Top salespeople stay up on changes in the industry, keep abreast
of the latest sales ideas, and constantly look for ways to stay positive and motivated. They are always looking
for ways to develop themselves personally and professionally. Top salespeople get that there is no neutral or
standing still, you’re either getting better and moving forward, or losing your edge and moving backward.
They know that school is never out and there is always more to be learned.
For John Chapin’s free newsletter, or if you would like him to speak at your next event, go to:
www.completeselling.com With over 26 years of sales experience, he is a number one sales rep in three i
ndustries, and author of the sales book of the year: Sales Encyclopedia. For permission to reprint,
e-mail: johnchapin@completeselling.com.
The top 5 states for auto, homeowners hikes in 2013
Article By: Caitlin Bronson of Insurance Business America
Auto and homeowners insurance rates continued a moderate increase in most parts of the US, but
unfortunately not in these states.
Personal auto insurance carriers raised their rates by an average 2.5% nationwide last year, while home
insurers increased prices by roughly 5.1%, according to figures from insurance consultant Perr & Knight’s
RateWatch report.
While the rate increases reflect a general trend towards moderately higher prices in the two markets, five
states led the others—in some cases, by double digits.
Top 5 states for homeowners rate increases
1. Oklahoma—12.1%
2. Florida—11.0%
3. Kentucky—10.9%
4. Kansas—10.3%
5. North Carolina—10.1%
In an interview with Insurance Business, Nichelle Dawkins, director of strategic data for Perr & Knight,
attributed the double-digit increases in Midwestern states to last year’s wildly active tornado season.
“As you recall, Oklahoma had a tornado that affected huge portions of the state and the next week, there was
a tornado in Oklahoma City,” Dawkins said. “It’s been a challenging environment for homeowners carriers to
operate in just because [Oklahoma] is known for being a cat-prone state.”
Not all states experienced such high increases, however. In California and Hawaii, homeowners actually saw
some relief. California policyholders experienced a 3.4% decrease in homeowners insurance in 2013, while
Hawaiians saw rates go down 0.7%.
Dawkins attributed California’s decrease to the tightly regulated insurance environment, though stressed that
it is “too early” to make definitive statements about the downward trend.
Top 5 states for auto rate increases
1. Michigan—8.6%
2. Georgia—5.2%
3. New York—4.3%
3. Delaware—4.3%
5. Nevada—4.1%
Drivers behind Michigan’s rate increases were seen more in liability policies than physical damages, Dawkins
noted.
“Michigan’s overall rate increases were driven by liability coverage,” she said.
Perr & Knight has been evaluating rate fluctuation in all 50 states since 2011. Following the release of these
numbers, Dawkins said the firm plans on “providing analysis” for their carrier clients.
For related articles go to www.ibamag.com
FEMA ISSUES OVERVIEW OF THE HOMEOWNER FLOOD INSURANCE
AFFORDABILITY ACT OF 2014
At Selective, we’re dedicated to being your go-to-resource for flood insurance news. That’s why we wanted to
be among the first to share an overview of FEMA’s official bulletin pertaining to the recently passed
Homeowner Flood Insurance Affordability Act of 2014.
While FEMA does not include actual implementation dates of the Affordability Act’s primary changes
(lowering rate increases on some policies, preventing future rate increases on others and implementing a
surcharge across the board), the bulletin does provide a detailed report of all the moving pieces currently
being analyzed and prioritized by FEMA as a result of the enactment of this new legislation.
What’s at the top of the ‘To Do’ list?
In the overview, FEMA states that their initial priority is assessing NFIP business process changes needed
to prevent additional rate increases on certain subsidized rates and to work with Write Your Own insurance
companies to outline a plan for issuing refunds for those policies already affected.
Selective is working closely with FEMA to implement these elements and you can continue to trust that we
will keep you informed of any developments and how they may impact your flood insurance business.
To review FEMA’s bulletin click here.
For additional assistance or if you would like more information, please contact me today.
Don Burke
765-577-0330
Don.Burke@Selective.com
E&O Risk Management:
Meeting the Challenge of Change
JUNE 2, 3, 4 & 5, 2014
6 Hours Continuing Education Credits (L/H or P/C)(pending)
June 2, 2014 June 3, 2014 June 4, 2014 June 5, 2014 -
Monday
Tuesday
Wednesday
Thursday
Rapid City, Ramkota– 2111 N LaCrosse St 605-343-8550
Pierre, RedRossa– 808 W Sioux Ave Ste 200 605-224-6877
Aberdeen, Ramkota – 1410 8th Ave NW 605-229-4040
Sioux Falls, Ramkota – 3200 West Maple St 605-336-0650
Registration 8:30
Class 9:00 - 3:30
$65.00 for Members - $80.00 for Non-members
(Fee includes coffee, rolls, lunch and materials)
This Seminar is designed to provide practical, real-world E&O loss prevention techniques along with resources and tools to implement these
procedures. Participants will be instructed on how to handle potential claims and alerted to recent agency E&O trends.
INSTRUCTOR: Cheryl Koch of Roseville, CA, is the owner of Agency Management Resource Group and instructs classes,
trains and consults on agency management across the country. Cheryl spent most of her 30-year career on the agency side of the
business, including ownership of a large Southern California independent agency. She also worked on the company side as Asst. VP
of Learning and Development. Cheryl has been teaching E&O classes for many years and has been involved in the development of
the E&O Best Practices material. She brings a practical, professional, well-rounded approach to loss control.
HOW TO QUALIFY FOR IIASD LOSS CONTROL CREDIT: An insured who obtains their professional liability coverage for insurance producers through the IIASD sponsored programs will earn a percentage credit on their total annual premium if they attend an approved
loss control seminar and remain loss free after attending. On-line course attendance is allowed for 50% of total attendees required.
Agency Size
1
2-7
8-20
21-50
51+
LOSS CONTROL CREDIT REQUIREMENTS
Required Attendance
1 active agency principal, owner, partner or officer
1 active agency principal, owner, partner or officer and 1 producer or CSR
1 active agency principals, owner, partners or officers & 1 active agency principals,
owners, partners, officers, operations managers or producer and 2 producers or CSRs
1 active agency principal, owner, partner or officer & 1 active agency principal, owner, partner, officer, operations manager or producer & 1 CSR and 3 producers or CSRs
1 active agency principal, owner, partner or officer & 2 active agency principals, owners, partners, officers, operations managers or producers & 2 CSRs and 5 producers or
CSRs
Total Attendees Required
1
2
4
6
10
Payment must be received with registration.
Send form in with payment or you can also go to www.iiasd.org and register online.
------------------------------------------------------------(Clip & Save Upper Portion)------------------------------------------------------2014 E&O LOSS CONTROL SEMINAR
NAME/NAMES: _________________________________________________________________________________
AGENCY/COMPANY: _____________________________________________ CITY: __________________________
E-Mail: ____________________________________________________
PHONE: _________________________
I/we will attend at the following location:
_____ June 2 Rapid City, Ramkota
_____ June 3 Pierre, RedRossa
_____ June 4 Aberdeen, Ramkota
_____ June 5 Sioux Falls, Ramkota
$65 for each IIASD Member
$80 for each Non-Member
Amount enclosed $ ______________
Return to IIASD 305 Island Drive Pierre SD 57532
605-224-6234 (phone) 605-224-6235 (fax)
chofer@iiasd.org
RIVER DAYS/ WALLEYE
CLASSIC CONFERENCE
June 17th & 18th, 2014
Izaak Walton Clubhouse, Pierre, SD
1200 Izaak Walton Road
5 hours of CE (4 hrs P&C/ 1 hr General)
YOUNG AGENTS COMMITTEE WELCOMES YOU TO THE IIASD’S RIVER DAYS/ WALLEYE CLASSIC
This is a must attend event for our IIASD members! Our Young Agents Committee has put together a great combination of recreation and
education that is sure to be complimented by the warmth and welcome of the Pierre community!
Tuesday, June 17, 2014
Fishing
6:00am-2:00pm
Wednesday, June 18, 2014
Launch anywhere on the
Missouri River or Lake Oahe
Largest Walleye Calcutta- $10
Weigh-In at Down’s Marina
800 S. Washington
Hillsview Golf Course
4125 E Highway 34 Pierre, SD
12:00 pm
CE Registration- Izaak Walton
1:00pm-5:00pm
Education CE--Izaak Walton
(4 hrs P&C) Worker’s Comp with
NCCI; Berkley Assigned Risk and
Division of Labor;
(1hr Gen.) 2014 Legislation – Merle
Scheiber
9:00 am
5:00 pm
Event Registration & Trap ShootIzaak Walton shells provided
Golf Tournament- Shot gun start
Sack lunch provided
12:00pm
“Final Fore” Competition
7:00 pm
Steak Fry and Rules Meeting- Izaak
Walton
Beer Furnished
3:00 pm
Fish Fry- Izaak Walton
Golf & Fishing Prizes Awarded
2:00 pm
Golf
Rooms: IIASD room blocks at the Americ Inn $89 rooms 605-223-2358 on or before Friday, May 31st, 2014.
RIVER DAYS/ WALLEYE CLASSIC REGISTRATION FORM
Payment must be sent with this form. Credit Card online registration at www.iiasd.org.
---------------------------------------------------------Clip and Save Upper Part---------------------------------------------------------NAME:________________________________________________________
AMOUNT ENCLOSED________________
AGENCY/CO:_________________________ PHONE # :_____________________EMAIL:________________________________
ADDRESS:______________________________________
TOWN:___________________________
ZIP___________________
(IIASD Member Agents and Company Partners are considered members)
Fishing Registration
_______ $135 member
_______ $275 non-member
Golf Registration Avg. 9 Hole Score ________
_______ $135 member
_______ $275 non-member
_______ Attending
_______ Not Attending
_______ $30 member
_______ $50 non-member
_______ $10 entry fee
_______ $10 entry fee
Optional
Optional
CE Only- 5 hrs credit (4 P/C; 1 General)
No Charge- hosted by Div. of Ins.
Steak Fry and evening activities
Largest Walleye Calcutta
“Final Fore” Golf Competition
RETURN TO: IIASD 305 Island Drive Fort Pierre SD 57532- PH 224-6234 - FAX 224-6235
POWER IN PARTNERS
DIAMOND
Progressive Insurance Co.
Graber & Associates
PLATINUM
Great Plains Brokerage
Farmers Mutual of Nebraska
Risk Administration Services
Great American Insurance Company
QBE NAU
Nationwide Mutual Insurance Co.
GOLD
Pro Ag
Austin Mutual Insurance Compnay
Dakota Claims Service
The IMT Group
Le Mars Insurance Company
North Star Mutual Insurance Company
Rain & Hail, LLC
United Fire Group
SFM Mutual Insurance Company
CGB Diversified Services, Inc.
Columbia Insurance Group
Western National Insurance
Continental Western Group
Liberty Mutual Insurance
Avera Health Plans
EMC Insurance Companies
Doss & Associates
Intek Cleaning and Restoration
SILVER
Acuity
Farmers Alliance Mutual
Swiss Re
State Auto Insurance Companies
Risk Placement Services
NCMIC Finance Corporation
Rurual Community Insurance Services
Auto-Owners Insurance
BRONZE
Buckeye Insurance Group
Bjornson/Sentinel E & L
Insurance Alternatives, LLC
Missouri Valley Mutual Insurance Co.
Northwest GF Mutual Insurance
Farmers Mutual Hail of Iowa
Center Mutual Insurance Co
American West Insurance
April 2014