Wisconsin Independent Agent | March 2024 Magazine

CONTENTS

COVER STORY: It's Almost Game Time

Join us May 15-16 at Lambeau Field for a spectacular celebration of 125 years, where the winning plays of the insurance industry meet the excitement of football for an unforgettable convention experience. Register now at iiaw.com/insurcon.

7-14 PAGES:

FROM THE ARCHIVES..........................................................15-17

Winter Getaway Enjoyed By Many (Originally Published March 1999)

PERSONAL LINES....................................................................18

Two-Thirds Believe Homeowners, Renters Covers Flood Damage

RISKY BUSINESS......................................................................20

Recording Phone Calls With Clients

ERRORS & OMISSIONS.........................................................22-23

Going to Be a Guest on a Podcast or Interviewed for an Article? Keep E&O Risks in Mind

COMMERCIAL LINES............................................................24-25

How Weather-Related Losses Forced Farmers and Crop Insurance to Adapt

HUMAN RESOURCES..............................................................26

The Value of Hiring an Intern

TECHNOLOGY..........................................................................28

Protecting Your Business in the Aftermath of the 'Mother of All Breaches': Essential Data Security Tips

MARKETING............................................................................30

The Crucial Role of Branding for Independent Insurance Agencies

GOVERNMENT AFFAIRS....................................................32

Evers Signs New State Legislative Maps with Republican Support

COMMENTARY FROM COUNSEL....................................34

IIAW Member Benefit Reminder: Legal Services Hotline

MEMBERS IN THE NEWS......................................................36

WCRB UPDATE..........................................................................37

Hard Copy Pool Application Elimination

ADVERTISERS INDEX

wisconsin INDEPENDENT AGENT

INDEPENDENT INSURANCE AGENTS OF WISCONSIN

725 John Nolen Drive

Madison, Wisconsin 53713

Phone: (608) 256-4429

Fax: (608) 256-0170

www.iiaw.com

2023-2024 EXECUTIVE COMMITTEE

President:

Mike Ansay | Ansay & Associates

President-Elect: Joanne Lukas Szymaszek | Risk Strategies Company

Secretary-Treasurer:

Dan Lau | Robertson Ryan Insurance

Chairman of the Board:

Nick Arnoldy | Marshfield Insurance Agency, Inc.

State National Director: Steve Leitch | Leitch Insurance

2023-2024 BOARD OF DIRECTORS

Janel Bazan | Avid Risk Solutions/Assured Partners

Beth DeLaForest | Aspire Insurance Group, Inc.

Mike Harrison | R&R Insurance Services, Inc.

Jason Knockel | Kunkel & Associates, Inc.

Aaron Marsh | Marsh Insurance Services, Inc.

Andrea Nelson | Unisource Insurance Associates, LLC

Brad Reitzner | M3 Insurance Solutions

IIAW Staff

Matt Banaszynski | Chief Executive Officer 608.256.4429 • matt@iiaw.com

Mallory Cornell | Vice President 608.210.2975 • mallory@iiaw.com

Kim Kramp | Accounting Supervisor 608.210.2976 • kim@iiaw.com

Trisha Ours | Director of Insurance Services 608.210.2973 • trisha@iiaw.com

Evan Leitch | Agency Solutions Advisor 608.210.2971 • evan@iiaw.com

Kaylyn Staudt | Marketing and Communications Director 608.210.2977 • kaylyn@iiaw.com

Jeff Thiel | Director of Agency Success 608.256.4429 • jeff@iiaw.com

Andrea Michelz | Education & Membership Engagement Coordinator 608.210.2972 • andrea@iiaw.com

Diana Banaszynski | Events Coordinator and HR Business Partner 608.256.4429 • diana@iiaw.com

Ali Smeester | Accounting Specialist 608.256.4429 • ali@iiaw.com

Wisconsin

53713. Phone: 608.256.4429. IIAW does not necessarily endorse any of the companies advertising in publication or the views of the writers. IIAW reserves the right, in its sole discretion, to reject advertising that does not meet IIAW qualifications or which may detract from its business, professional or ethical standards. © 2024

For information on advertising, contact Kaylyn Staudt, 608.210.2977 or kaylyn@iiaw.com.

AGENTS OF Solidarity

We’re with you every step of the way

Behind every Progressive agent is the support of more than 40,000 Progressive employees. It’s our mission to make sure you have the tools and resources you need to succeed.

From caring field sales reps to dedicated agent service teams, we’re ready to help you grow. Plus, we supplement your counsel and guidance with aroundthe-clock claims and customer service via our mobile app and online servicing.

Whether it’s sales, service, claims or anything in between, you’ve got a partner every step of the way.

TO LEARN MORE

Search for us online at Agents of Progressive, Progressive Connect, or Progressive Appointment.

Company Spotlight

Stability and Growth in a Challenging Market: That's Progressive

Investing in the independent agency channel is a long-term, strategic priority for Progressive. With a companywide goal of becoming consumers’, agents’, and business owners’ destination for insurance and other financial needs, Progressive is proud to offer a suite of products so agents like you can build your preferred book as you work toward your goals for continued growth.

Across both auto and home products, the insurance industry has faced unprecedented challenges over the last few years. Beginning with the onset of the COVID-19 pandemic, coupled with historic weather events, and culminating in recent rising costs, rates are facing increasing pressure. Supply chain disruptions and labor shortages add additional pressure, and insurance rates have been increasing to make sure there are sufficient funds to pay for consumer claims.

Independent agents have been at the forefront of navigating these challenges, supporting customers through insurers’ changing business appetites and, in some cases, restricted capacity to write business. Reflecting on another historic year for the industry, Progressive is proud of agents’ resilience in adjusting to rapidly changing markets, and they’re committed to continuing to quickly evaluate conditions and adjust options accordingly to support long-term growth in Wisconsin and beyond.

Moving forward—together

Further, Progressive remains committed to providing stable and innovative offerings. In fact, Progressive is well-positioned to accelerate their Personal Auto business in Wisconsin. That’s one reason they recently chose to make only moderate pricing adjustments to their Wisconsin Personal Auto product in order to move forward with profit stability and gear up for more competitive growth.

Progressive is willing to make tough short-term decisions to navigate through changing markets, but their commitment to providing stable, competitively priced personal lines products for consumers and independent agents in the long run remains stronger than ever.

Breadth of product

Progressive is the number one writer of auto in Wisconsin and the second-largest auto insurer in the country—but Progressive offers so much more as a destination carrier to meet customers’ every need.

Progressive is the number one motorcycle insurer in the country and a leader in boat and RV insurance. Plus, they’re the go-to carrier for businesses as the number one commercial auto carrier, with ongoing initiatives to expand upon and strengthen their product offerings. Following the acquisition of Progressive Home (formerly American Strategic Insurance), Progressive also offers a suite of home and property products for homeowners, condo owners, renters, and more. With a wide variety of products and coverages, agents can customize bundles to meet any consumer need, especially those of preferred shoppers.

Cutting-edge technology

Progressive continues to invest in technology so that agents can focus on the important priorities: their business and their customers.

ForAgentsOnly.com (FAO), Progressive’s proprietary agent quoting, servicing, and training portal, offers the premier independent agency web experience featuring automatic data-fill and integrated multi-product quoting. For those who prefer to use their own tech platforms, FAO also features full integration with third-party rater and agency management systems, giving agents the power to choose how to manage their workflows.

On the consumer front, Progressive offers usage-based insurance (UBI) options like Snapshot® for Personal Auto and Snapshot ProView® for Commercial Auto, making it easier to offer customized rates for safe-driving customers. Agents can leverage the significant savings opportunities available through these UBI programs to grow—and retain—their Progressive books.

Looking ahead with independent agents

Progressive is proud to serve more than 40,000 independent agencies while evolving to meet the needs of agents and their customers alike. Progressive thanks independent agents for their ongoing partnership, and they look forward to continuing to work together to grow profitably in Wisconsin!

EVENT SCHEDULE

INSURCON2024 • MAY 15-16, 2024 • LAMBEAU FIELD, GREEN BAY

WEDNESDAY, MAY 15TH

10:30AM-12:30PM

Champions Club Room

AGENCY APPRECIATION LUNCHEON

Aaron Popkey, Green Bay Packers

Margeaux Giles, Irys

*This event is open to agency personnel and those receiving a special invite.* Limited space available on a first-come, first-serve basis.

1PM-4PM

Johnsonville Tailgate Village

4:30PM-9PM

Johnsonville Tailgate Village

E&O RISK MANAGEMENT (ETHICS)

Mallory Cornell, IIAW Vice President

MEET GREEN BAY PACKERS HEAD COACH

Matt LaFleur, Packers Head Coach

THURSDAY, MAY 16TH

8:15AM-9:00AM

Legends Club Room

9:10AM-10:10AM

Legends Club Room

10:20AM-11:20AM

IIAW PAST PRESIDENTS’ PANEL

Mary Hosmer, Paul Leitch, Darrel Zaleski and Marc Petersen

WISCONSIN CEO PERSPECTIVES

Melissa Winter, Acuity

Rob Jacques, West Bend

Heather Boyer, Society

Alan Ogilvie, Church Mutual

Legends Club Room RISK MANAGEMENT PANEL

Local Green Bay Leaders of Risk and Crisis Management

11:30AM-12:30PM

Legends Club Room

12PM-1:30PM

Pre-Function Area

12:30PM-3:30PM

North Balcony and Pre-Function Area

5PM-6PM

Atrium Floor

6PM-9PM

Atrium Floor

CEO PANEL

Bob Brandon, Penn National Lisa Earnest, Progressive Kevin Leidwinger, UFG

GOURMET LUNCH

EXHIBITOR SHOWCASE

COCKTAIL RECEPTION HONORING IIAW PAST PRESIDENTS

Open to Everyone

EVENING CELEBRATION

Charles Woodson, Former NFL

Defensive MVP, Heisman Trophy Winner and ESPN Analyst

Our exclusive Agency Appreciation Luncheon is a gathering dedicated to recognizing our valued agency personnel and esteemed invitees. Hear how the Packers prepare for the 2025 Draft, their marketing strategy and how they respond to challenging events from Green Bay Packers Director of Public Affairs, Aaron Popkey. We’ll also feature a fast-paced CEO Q&A with Irys Founder and CEO, Margeau Giles, moderated by President Mike Ansay.

Earn 3 Ethics CE credits during Mallory’s Less Risk. More Reward. E&O Risk Management course. This course will be full of storytelling, statistics and E&O risk mitigation tips and it is premium credit approved by Swiss Re.

Gear up for an exciting tailgate party, featuring an exclusive Meet and Greet with Packers Head Coach, Matt LaFleur, an exhilarating cornhole tournament, tailgate games and dinner!

We’ll engage in insightful discussions with our four esteemed former presidents of the IIAW, delving into their experiences and perspectives on the industry’s evolution.

Gain unique perspectives from top CEOs who lead companies within the state. Discover how these local leaders navigate emerging trends, address challenges and implement innovative strategies to shape the future of Wisconsin’s insurance industry.

Join us as we listen to local leaders in risk management and crisis management and how they mitigate their exposures. Hear how professionals plan for Packer game day events and other potential hazards that face the city and events in Green Bay.

Gain valuable insights into the insurance industry’s future trajectory from top CEOs in our CEO Panel, as they discuss emerging trends, challenges and innovative strategies shaping the landscape.

Join us for a gourmet lunch prior to our Exhibitor Showcase.

Network and connect during our Exhibitor Showcase on the North Balcony, overlooking the Lambeau Field Atrium. Agency attendees can win big prizes from Super Door Prizes and by playing Blackout Bingo.

Join us for a cocktail hour preceding the evening’s celebration as we set the stage for a spectacular night with a photo opportunity overlooking Lambeau Field.

Our Evening Celebration will feature aceremony honoring this years award winners, and we’ll pay tribute to outgoing West Bend CEO, Kevin Steiner, and Church Mutual CEO, Rich Poirier, as they receive the IIAW E.J. Tapping Award. Charles Symington, IIABA CEO will lead a presentation, and we’ll enjoy a delicious dinner as we journey through the rich history of the IIAW over the last 125 years. Charles Woodson will lead a keynote presentation that promises to leave a lasting impact. Cap off the night with an exclusive Meet & Greet session, offering the chance to connect with Woodson.

Enjoy your Guided Lambeau Field Stadium Tours and Hall of Fame Tours (included w/ registration) during this time!

INCLUDED WITH REGISTRATION

INSURCON2024

MAY 15-16, 2024

LAMBEAU FIELD, GREEN BAY

Join us in celebrating our 125-year anniversary at our annual convention, InsurCon, a once-in-a-lifetime event set against the breathtaking backdrop of Lambeau Field. As Lambeau Field opens its doors exclusively for our 125th anniversary, you’ll experience its legendary aura like never before. With cheers of the past, the energy of the present and the promise of the future - all converge in this unforgettable celebration. An extraordinary year like this means you’ll receive more than ever with your event registration! You’ll receive:

Lambeau Field Atrium

Includes access to Past Presidents’ Cocktail Hour, Charles Woodson Keynote Presentation, complimentary bottle of Charles Woodson whiskey or wine and photo opportunity led by a professional photographer.

An Evening With Charles Woodson Johnsonville Tailgate Village

Meet Green Bay Packers Head Coach Matt LaFleur

Includes Meet and Greet with Green Bay Packers Head Coach Matt LaFleur, cornhole tournament and an ultimate tailgate dinner.

E&O Risk Management Course (3 Ethics CE Credits)

Wisconsin’s Largest Insurance Exhibitor Showcase

Ability to network and win BIG prizes (cash, door prizes and Blackout Bingo prizes).

Insightful Panel Discussions

Legends Club Room

IIAW Past Presidents’ Panel

Green Bay Packers Risk Management Panel CEO Panel

Agency Appreciation Luncheon (Invite Only) Featuring CEO Q&A and Presentation from Packers Director of Public Affairs, Aaron Popkey

Champions Club

Open to agency personnel, Exclusive Supporting Company Members and those who receive a special invitation. Includes access to the Champions Club (the unofficial stadium penthouse), lunch, a presentation featuring Aaron Popkey and a fast-paced CEO Q&A.

Exceptional Dining Experience

Agency Appreciation Luncheon

Ultimate Tailgate Cuisine During Tailgate Party Continental Breakfast

Gourmet Lunch Overlooking Lambeau Field Evening Celebration Dinner in Lambeau Field Atrium

Guided Lambeau Field Stadium Tour and Hall of Fame Tour

Lambeau Field Stadium & Hall of Fame

Wrapping up our annual convention with a memorable finale, join us on Friday, May 17th to redeem your guided Lambeau Field Stadium Tour and self-led Hall of Fame Tour (included with registration)! Closer to the event you’ll receive a separate registration to select your tour time slot.

MEET HEAD COACH

Experience a Packers Tailgate Like Never Before

When You Join Us For Our Johnsonville Tailgate Party

Celebrate our monumental 125th anniversary at the heart of the action - Lambeau Field’s Johnsonville Tailgate Village on Wednesday, May 15th. Get ready to meet Green Bay Packers Head Coach Matt LaFleur, compete in a cornhole tournament, enjoy our DJ for the evening and an excellent dinner.

Schedule for the evening:

• 4:30PM to 6:30PM Meet and Greet, Sponsored by Irys

• 7PM-9PM Dinner, Cornhole Tournament, Tailgate Games and DJ

NOW: IIAW.COM/INSURCON

KEYNOTE SPEAKER

CHARLES WOODSON

Former NFL Defensive MVP, Heisman Trophy Winner and ESPN Analyst

An Evening

With Charles Woodson

Charles Woodson is an 18year NFL veteran, former NFL Defensive MVP and Heisman Trophy winner. He is a Super Bowl champion, nine-time Pro Bowl defensive back and was inducted into the Pro Football Hall of Fame in 2021.

A champion both on and off the field, Charles has also formed the Charles Woodson foundation, providing scholarships to incoming students at the University of Michigan in need of financial aid. Additionally, Charles has pledged over $2 million to the University of Michigan C.S. Mott Children’s Hospital and established the Charles Woodson Clinical Research Initiative to support critical research projects that show promise of significant improvements in kids’ quality of life and longevity.

Woodson is also an oenophile who developed an interest in wine while playing football for the first time in Oakland, near the Napa Valley. He partnered with O’Neill Vintners to develop a signature wine label, “Charles Woodson’s Intercept.”

Don’t miss out on hearing Charles’ Keynote Presentation, concluding our Evening Entertainment on Thursday, May 16th. Following his presentation, you’ll be able to take home a bottle of his wine or whiskey (included with your registration) and there will also be a photo opportunity with Charles led by a professional photographer.

Scan the QR Code to see Charles’ message to InsurCon2024 attendees!

PANELISTS

PAST PRESIDENTS’ PANEL

8:15 TO 9 A.M. ON THURSDAY, MAY 16TH

We’ll engage in insightful discussions with our four esteemed former presidents of the IIAW Board of Directors, delving into their experiences and perspectives on the industry’s evolution.

MARY HOSMER

Served as President 1991-1992

PAUL LEITCH

Served as President 1997-1998

DARREL ZALESKI

Served as President 2020-2021

MARC PETERSEN

Served as President 2021-2022

WISCONSIN CEO PERSPECTIVES

9:10 TO 10:10 A.M.

Gain unique perspectives from top CEOs who lead companies within the state. Discover how these local leaders navigate emerging trends, address challenges and implement innovative strategies to shape the future of Wisconsin’s insurance industry.

10:20 to 11:20 A.M. ON THURSDAY, MAY 16TH

Listen to local leaders in risk management and crisis management on how they mitigate their exposures. Hear how professionals plan for Packer game day events and other potential hazards that face the city and events in Green Bay.

15-16., 2024

CEO PANEL

11:30 A.M. TO 12:30 P.M. ON THURSDAY, MAY 16TH

Gain valuable insights into the insurance industry’s future trajectory from top CEOs in our CEO Panel, as they discuss emerging trends, challenges and innovative strategies.

E.J. TAPPING LIFETIME ACHIEVEMENT AWARD RECIPIENTS

6 TO 9 P.M. ON THURSDAY, MAY 16TH

During our Evening Celebration, we’ll pay tribute to outgoing West Bend CEO, Kevin Steiner and Church Mutual CEO, Rich Poirier, as they receive the prestigious IIAW E.J. Tapping Lifetime Achievement Award. This award is named after the IIAW’s founder, E.J. Tapping, who was known as an unrelenting advocate of insurance agents and who believed the Association and its members should work in the public’s best interest by holding themselves to the highest ethical standards while working to insure the American dream.

AGENCY APPRECIATION LUNCHEON CEO PANEL

10:30 A.M. TO 12:3O P.M. ON WEDNESDAY, MAY 15TH

Agency personnel and those receiving a special invite can join this fast-paced CEO Q&A with Irys Founder and CEO, Margeaux Giles, moderated by IIAW President Mike Ansay.

REGISTRATION INFORMATION

If you are a retired independent agent, please reach out

Attendee Registration Fee

InsurCon2024 is an all-inclusive event filled with one-of-a-kind experiences. This year’s convention transcends the ordinary, as we celebrate 125 years of excellence, making it a truly exceptional celebration you won’t want to miss. IIAW members can save their spot and maximize savings by registering early!

Register in November-April: $349

Register in May: $379

Non-Member Pricing (September through May): $549

Dress Code

During sessions on Wednesday and Thursday, our dress code will be business casual for the events at Lambeau Field. Tailgate attendees can dress casual for this event.

For more information, please visit our website, iiaw.com/insurcon.

Questions

Please call the IIAW at 608-256-4429 or email info@iiaw.com with any questions. Refer to iiaw.com/insurcon for complete event details.

Hotel Information

There are several hotel options in the vicinity to suit your accommodation needs. Whether you prefer luxury, comfort or convenience, you’ll find a range of nearby hotels to choose from.

Lodge Kohler: 1950 South Ridge Rd. in Green Bay (across from Lambeau)

Hilton Garden Inn Green Bay: 1015 Lombardi Ave. in Green Bay (0.5 miles away from Lambeau)

Home2Suites by Hilton Green Bay: 810 Morris Ave. in Green Bay (0.5 miles away from Lambeau)

SpringHill Suites by Marriott Green Bay: 1011 Tony Canadeo Run in Green Bay (0.7 miles from Lambeau)

Tundra Lodge: 865 Lombardi Ave in Green Bay (0.9 miles from Lambeau)

Event Parking

For your convenience, we recommend parking in front of the American Family Gate, both for hasslefree registration and seamless navigation throughout the event. The dedicated IIAW and Lambeau Field staff will be readily available throughout the event space, ensuring you’re guided to your destinations with ease.

TWO-THIRDS BELIEVE HOMEOWNERS, RENTERS COVERS FLOOD DAMAGE

Despite news reports and public policy discussions about climate change and increasing catastrophes, including floods, 59% of U.S. adults say they are not likely to reevaluate their need for flood insurance, according to a survey commissioned by Selective and conducted by The Harris Poll.

Of the U.S. adults surveyed, only 14% had flood insurance. Among those with a standalone flood policy, 66% had filed a claim, which is an indicator of the prevalence of floods, Selective pointed out in its press release.

Meanwhile, the misnomer that homeowners and renters policies cover flood damage continues. Twothirds of consumers with homeowners and renters insurance incorrectly believe their current policy covers flood-related damage to home structure or contents, the survey found.

“Flooding is the most common natural disaster and can occur anywhere in the country. Recent inland flood events and increased frequency of hurricanes highlight the very real risks facing property owners," said Cassie Masone, vice president of flood operations at Selective Insurance. “Homeowners and renters often have a false sense of confidence that a flood won't impact them because they are far from bodies of water, but changing weather patterns and evolving topography make it more important than ever to have a flood insurance policy."

Additionally, consumers have significant misconceptions about flooding causes and what is and isn't insured under their homeowners or renters policies. Sixty-two percent believe that major storms,

like hurricanes or tropical storms, are among the most common causes of large-scale flooding, not taking into account other common causes like persistent rainfall (59%), river and lake flooding (49%), levee or dam breaks (33%), rapid snow melt (30%) and ice jams (16%). Another cause that consumers didn't list is wildfire-charred land, which is prone to flooding because it can't absorb rainfall.

The week of February 22, 2024, brought more winter storms and flood threats to California, which has been saturated by atmospheric storms and flooding this winter. Heavy downpours on Tuesday and Wednesday flooded streets and sidewalks in San Francisco, with mudslides closing roads to the north and south, ABC News reported, while the Los Angeles area has recorded around 10 inches of rain in February so far. The latest storms come weeks after an earlier winter storm brought severe floods and mudslides to the state.

However, few homeowners in California have flood insurance, with Trevor Burgess, CEO of Neptune Flood, placing the amount at 2% in January 2023. In its survey, Neptune found respondents haven't purchased flood insurance because they don't believe they are at risk (61%), followed by it not simply being on their mind (30%), not having disposable income (29%) and believing it was too expensive (28%).

nice makes you smile.

At Western National Insurance, nice is what’s guided us for over 100 years. And we’re just getting started.

Western National Insurance. The power of nice.

www.wnins.com

RECORDING PHONE CALLS WITH CLIENTS

In today's digital age, where communication is often conducted over phone calls, insurance agents have increasingly turned to recording client conversations. Whether for training purposes, dispute resolution, or simply to ensure accurate documentation, capturing conversations can be a valuable tool. However, amidst the convenience of digital recordings, agents must establish a process for consistent documentation. From adhering to legal requirements to ensuring the call recording is accessible years in the future, having structured protocols in place is paramount. In this article, we delve into the importance of establishing clear procedures for which phone calls should be documented and saved in an agency management system.

First and foremost, insurance agents must operate within the bounds of applicable laws and regulations governing the recording of phone conversations. Wisconsin is a single-party consent state; however, for a phone call recording to be admissible in a Wisconsin court or played for any third party, twoparty consent is required. Only one party must consent to the recording if you strictly intend to use phone call recordings for internal purposes. If you foresee utilizing the recording in the future to replace documentation, you should establish two-party consent for phone calls. It’s best to ensure you have a disclaimer automatically stated for inbound calls and that employees know the need to read a disclaimer on outbound calls.

• A sample disclaimer for inbound calls may be: “This call may be recorded for quality assurance and training purposes.”

• For outbound calls, it may be: “Hello, this is [name] calling from [agency] on a recorded line…”

Beyond the legal requirements, insurance agents should prioritize transparency and respect for their client’s privacy by having a recording disclaimer.

Once you’ve established compliance with legal requirements, it’s important to consider if and how you will store the recordings. Certain VoIP systems may integrate and automatically attach to your agency management system, but there may be exceptions. If the phone call recording isn’t automatically documented in the agency management system, it could be downloaded from the VoIP system. Many VoIP platforms only store phone call recordings for anywhere from 30 days to over one year. To document a client conversation, the call may need to be kept for longer than the phone system saves recordings.

By establishing standardized procedures for initiating, conducting, and storing recorded conversations, agents can streamline communication processes and ensure consistency in documentation. This facilitates easier access to important information and minimizes the risk of discrepancies in client records.

While call recordings can be useful if they follow state guidelines and are consistently stored and documented, an agency must determine why they are choosing to record phone calls. It is hard to replace the value and effectiveness of a follow-up email to the client reviewing the conversation that was had verbally. The agency should consider what documentation they would prefer and what customer experience they are looking to deliver.

Have a question about recording phone calls or creating a process for proper documentation of the call? Don’t hesitate to reach out! Contact Evan Leitch at evan@iiaw.com or call the IIAW today!

DELIVERING MORE BY FOCUSING ON LESS. SMALL DETAIL. BIG DIFFERENCE.

Rather than attempt to be all things to every kind of business, we focus on the ones we know best— restaurants and bars, grocery and convenience stores, medical clinics, artisan contractors and auto service shops—to deliver outstanding property, casualty and workers compensation insurance. Deep niche expertise, with insight into unique business risks, is how we cover the details that make the biggest difference to our policyholders.

To discuss an agency appointment, give us a call at 888.5.SOCIETY or visit societyinsurance.com

GOING TO BE A GUEST ON A PODCAST OR INTERVIEWED FOR AN ARTICLE? KEEP E&O RISKS IN MIND

As an insurance agent prepares to step into the spotlight as a guest on a podcast or for an interview in an article, navigating the discussion requires careful consideration of Errors & Omissions (E&O) risks. While the opportunity to share knowledge and insights can be invaluable for both the agent and the audience, it also presents potential pitfalls that could lead to an increase in an agency’s required standard of care. From the nuances of policy interpretation to the communication of coverage details, being mindful of E&O risks is essential to ensure accuracy, transparency, and compliance throughout the exchange. Whether it’s being a guest on a podcast, being interviewed for an article, or being part of a video to be posted on social media, keep certain words and phrases in mind that can increase an agent’s standard of care beyond what is required.

Avoid

Calling

Yourself

an “Expert”, “Advisor,” or “Consultant”

Establishing oneself as an “expert,” “advisor” or “consultant in a particular area of coverage may seem like a great way to separate oneself from the competition, but overstating expertise or promoting oneself as an advisor can invite reliance from an insurance customer. This can create an easier path to a court finding that a greater duty to advise exists due to a special relationship being formed.

Never Say “Best Coverage”

Clients may be looking for the “best coverage” at the “best price,” but it can oftentimes be unattainable or difficult to know the policy language of each carrier an agent represents, especially in a rapidly changing environment. Remember, insurance agents procure coverage or may assist with submitting claims on behalf of their client, but they do not make underwriting decisions or investigate and determine if a claim is covered. Agents should avoid suggesting a customer’s risk is covered or that coverage always exists for a loss when a separate company makes the underwriting and claims decisions.

It’s Okay to Discuss Your Niche Without Saying, “We Specialize In…”

Many agents or agencies have a niche or focus on a specific type of business. This gives the agent the ability to have a more detailed conversation with the client about their insurance needs. However, when talking about a niche business, an agent should avoid saying “we specialize in…” or “our specialists” as it automatically increases their duty to advise and creates a blanket statement that applies to all employees at the agency. Instead, an agent should talk about their niche along with their experience in that business category.

Avoid Offering “Peace of Mind”

While agents want to offer “peace of mind” to clients, this phrase can be understood as creating an expectation that the insured will not experience an uncovered loss or have any coverage gaps, as they should not have to worry about their insurance coverage. Instead of offering peace of mind to your clients, offer to help them find coverage that matches their described needs or offers greater financial security (including qualifiers in your wording can help!).

As an agent in your local community and beyond, any opportunity to get your name or brand is something to take advantage of. Who knows what that 30-minute podcast or short phone-call interview may lead to in terms of publicity and leads.

By keeping “E&O friendly” language in mind and avoiding words that may give clients a path to establishing a special relationship (and therefore may require a greater standard of care), these marketing opportunities can remain advantageous. Just keep the E&O risks in mind.

Looking for additional information about E&O risk management as it relates to an agent’s duty to advise and ways to avoid creating a special relationship? IIAW Members have access to a variety of guides and helpful information on E&O Guardian – a Big “I” member benefit. Visit https://eoguardian.com/downloads.

HOW WEATHER-RELATED LOSSES FORCED FARMERS AND CROP INSURANCE TO ADAPT

Since 1980, the U.S. has sustained 373 separate weather and climate disasters where overall costs reached or exceeded $1 billion, according to data released by the National Oceanic and Atmospheric Administration (NOAA). The total cost of these events exceeded $2.6 trillion with costs for 2023 events estimated to have exceeded $73.8 billion.

“Recent climate extremes and weather events have had a significant impact on the crop insurance market as a whole," says Michael Deal, executive vice president, chief operations officer, NAU Country Insurance Company, a QBE Insurance Company. “Also, the increased frequency of these events has in turn led to an increased demand for labor and resources—there is not one aspect of our business that hasn't been affected."

Success within the farming industry depends on many things, but most significantly, it rests on climate. Extreme weather has been impacting the agricultural industry for years with crop insurance providing support for many of the losses experienced.

“Prominent examples where crop insurance coverage came into play include the extreme drought in the southern Plains in 2011, coupled with flooding along the Missouri River; the 2012 drought; the 2019 excessive moisture conditions resulting in farmerprevented planting losses; the 2020 Midwest derecho; hurricane losses in the Southeast in 2020; and drought in the northern Plains in 2021," says Dave DeCapp, senior vice president, marketing, Farmers Mutual Hail Insurance.

Between 2001 and 2022, the Federal Crop Insurance Program (FCIP) sent farmers over $161.6 billion in payments for all causes of loss, with weather-related claims representing 73% of total payments, according to a report released by the Environmental Working Group. Payments made to farmers in 2022 were largely concentrated in 10 states and covered mostly four commodity crops including corn, soybeans, wheat and cotton.

However, “common trends being observed in the market include the overall increase in claims activity due to program expansion, changes in weather and policyholder buying patterns," Deal says. “The demand for program expansion and improvement has seen a rise, with a particular focus on shallow losses and subsidy rates."

Over the past number of years, “crop insurance has become the cornerstone of the farm safety net and provides farmers with access to an affordable risk management tool," DeCapp says. As the producer landscape continues to change, it is important for agents to recognize that the makeup of the market is evolving and the value of specialty crops protected by crop insurance has tripled, according to a report by the Economic Research Service (ERS) at the USDA.

The good news is when it comes to participating in crop insurance risk mitigation, it is at an “all-time high, resulting in over 90% of insurable acres being insured, which proves farmers are utilizing the program to mitigate such risk and weather events," says Joe Kirksey, regional director of crop insurance, Gallagher.

“Farmers are also purchasing higher levels of coverage on their policy, which is a necessity to the rising input cost and diminishing profit margins. It is due to the crop insurance program that farmers are able to share this risk by purchasing a policy and ultimately, be able to withstand a disaster to farm another year."

Agents play a key role in ensuring farmers understand and acquire the coverage they need, particularly as the number of adverse climate events continue to rise. It's important to understand that some states that are not known for being in weather-related hotspots may now experience such losses.

For this, Deal offers two tips to ensure agents stay up to date on the coverage available for their clients:

1) Time. Devote as much time as possible to the policyholder's needs. The complexity of the program and the evolving needs and concerns of our farmers must be given the proper attention and evaluation.

2) Education. The industry offers an exemplary amount of continuing education. Attend meetings and training courses in your area and glean as much information as possible. For an agent, knowledge and reliability are everything in this business—and there are a lot of resources out here to support them.

In a world where farmers are facing adverse weather that is increasing in intensity and frequency, “the federal crop program has also evolved over time to accommodate the integration of conservation programs and farmer initiatives to incorporate climate-smart farming practices," DeCapp says. “The guidelines for program participation, based on good farming practices, have also evolved over time." Keeping abreast of this evolution will ensure agents are adding value to their client relationships. This article was originally featured on iamagazine.com in February 2024.

HUMAN RESOURCES

THE VALUE OF HIRING AN INTERN

Businesses are constantly seeking innovative ways to thrive and stay ahead of the curve. One often overlooked strategy that can yield tremendous benefits is the recruitment of interns. Internships provide an opportunity for both employers and students alike, offering invaluable experiences and cultivate growth on multiple fronts. Fresh talent, increased productivity, and cost-effective labor are just a few of the many benefits to hiring an intern.

Fresh Perspectives and Innovation: Interns bring a fresh set of eyes and innovative ideas to the table. Their unique perspective, often shaped by the latest academic knowledge and trends, can inject new life into projects and processes. By incorporating interns into your workforce, you open the door to fresh approaches and creative solutions that may have otherwise gone unnoticed.

Cost-Effective Resource: Hiring interns can be a cost-effective solution for organizations, especially those operating on a tight budget. Interns are typically compensated at a lower rate than full-time employees, making them an attractive option for tasks that do not require extensive expertise. Additionally, interns can undertake projects that might otherwise be sidelined due to resource constraints, allowing organizations to pursue new initiatives without significant financial risk.

Talent Pipeline: Internship programs serve as an effective talent pipeline for future recruitment needs. By nurturing relationships with interns, organizations can identify and cultivate promising individuals who may eventually become full-time employees. This proactive approach not only streamlines the hiring

process but also ensures a seamless transition for interns who have already familiarized themselves with the company culture and operations.

Mentorship Opportunities: Internships provide valuable mentorship opportunities for both interns and full-time employees. Seasoned professionals can serve as mentors, offering guidance, support, and industry insights to interns as they navigate their roles. In return, mentors often gain a sense of fulfillment by sharing their knowledge and expertise, while also honing their leadership skills.

Increased Productivity: With proper training and guidance, interns can contribute to the productivity of teams by assisting with various tasks and projects. By delegating responsibilities to interns, full-time employees can focus on high-priority initiatives, ultimately enhancing overall efficiency and output. Diversity and Inclusion: Internship programs present an opportunity to promote diversity and inclusion within the workforce. By recruiting interns from a variety of backgrounds and demographics, companies can foster a culture of belonging and equity.

The value of hiring an intern extends far beyond the completion of a specific project or task. Internships offer a mutually beneficial arrangement where organizations gain fresh perspectives and cultivate future talent, while interns acquire valuable skills, experiences, and mentorship. By embracing internships as an integral part of their talent strategy, businesses can position themselves for long-term success.

In 1919, A group of Pennsylvania farmers founded Penn National Insurance to provide affordable workers’ compensation insurance.

Today, Penn National Insurance sells property-casualty insurance in 12 states by partnering with more than 1,200 independent agency operations. In 2012, we affiliated with Wisconsin-based, Partners Mutual Insurance Company. As one company, we bring the personal attention and local focus of a regional carrier, along with the quality of products and services of national carriers.

Interested in partnering with a thriving insurance carrier with superior customer experience? We are looking for seselect commercial lines-oriented agencies in Wisconsin.

Contact:

Vicki Lentz

262-432-3420

vlentz@pnat.com

Contact:

Clayton Zogata

715-383-5454

czogata@pnat.com

We help people feel secure and make life better when bad things happen

• Strong financial performance and A.M. Best Financial Strength Rating of A (Excellent) Positive Outlook

• Expanded Commercial Lines products and services with competitive pricing and comprehensive coverages to help our agents grow profitably

• Comprehensive Personal Lines product offerings, including Homeowners Equipment Breakdown and additional protection plans

• State-of-the-art quoting, processing and self-service tools, making it easier and faster to meet your customers’ needs

• Local, experienced underwriting, claims and management staff

PROTECTING YOUR BUSINESS IN THE AFTERMATH OF THE 'MOTHER OF ALL BREACHES': ESSENTIAL DATA SECURITY TIPS

Businesses and organizations take note! The “Mother Of All Breaches,” involving an unprecedented 26 billion records, isn’t just a personal concern; it’s a corporate crisis. This breach, compromising data from major platforms, poses serious risks to both individual users and organizations. Dive into our mother of all breaches business data security tips.

Understanding the Breach: A Business Perspective

This isn’t just about leaked emails and passwords. The “Mother Of All Breaches” is a complex aggregation of multiple incidents, presenting a unique challenge for businesses. The breach’s vast scope means sensitive employee data could be at risk, leading to potential identity theft or financial fraud. Companies need to recognize the gravity of the situation and act swiftly to safeguard their data and support their employees.

Mother Of All Breaches Business Data Security tips –Immediate Actions

For Employers: Ensure your team is aware of the breach. Encourage them to use tools like Have I Been Pwned to check their data status. For accounts with compromised credentials, enforce immediate password changes. Emphasize the necessity of unique passwords and the adoption of two-factor authentication across all workrelated platforms.

Password Strength: A strong password is a blend of letters (both uppercase and lowercase), numbers, and symbols. For example, ‘Coffee_Mug123!’ Is better than ‘coffee123’. Avoid using easily guessable information like birthdays or common words.

Long-Term Data Security Strategies

A robust approach to password management is nonnegotiable. Encourage the use of password managers for generating and storing complex passwords. Regularly monitor company accounts for unusual activities and educate your employees on recognizing phishing attempts and other cyber threats.

Broader Implications for Companies Responsibility: It’s not just about technical defenses; it’s about a culture of cybersecurity awareness. Regular training sessions and updates on data security policies are essential. Businesses must also stay abreast of global data protection regulations to ensure compliance and safeguard against breaches.

Securing Our Digital Future

The “Mother Of All Breaches” is a wake-up call for businesses and individuals alike. It’s a reminder that in our interconnected digital world, the responsibility for data security is shared. By fostering a culture of cybersecurity mindfulness and implementing proactive strategies, we can safeguard our collective digital future.

FAQs for Businesses:

• What are the first steps a company should take after a breach?

Immediately check if company or employee data is involved, enforce password updates, and review security protocols.

• How can businesses educate their employees about cybersecurity?

Regular training sessions, updates on cybersecurity best practices, and encouraging a culture of vigilance are key.

• What are the long-term implications of such breaches for businesses?

Potential risks include reputational damage, financial losses, and legal implications due to non-compliance with data protection laws.

When Main Street is the main focus.

Running a successful small business is hard work, but finding the right insurance program for your client is easy with West Bend.

Our business insurance program covers liabilities and expenses specifically designed for small business operations.

• Great pricing and exceptional coverage

• Experienced claim representatives

• Convenient options for reporting losses – available 24/7

Learn more about the variety of business line coverages available through West Bend by visiting thesilverlining.com.

The worst brings out our best.®

THE CRUCIAL ROLE OF BRANDING FOR INDEPENDENT INSURANCE AGENCIES

In the highly competitive landscape of insurance, independent agencies face the challenge of standing out in the sea of options available to consumers. An effective brand strategy is the key to not only establishing a unique identity, but also building trust and attracting the right clientele. Here are the vital elements of branding for independent insurance agents:

1. Logo Design:

Your logo is the visual face of your agency, making it an important part of your branding efforts. A well-designed logo communicates professionalism, reliability and establishes memorable visual identity. Agencies should aim for a logo that reflects the values of their agency and resonates with their target audience.

Simplicity is key when it comes to your agency logo; a clutter-free and easily recognizable logo can leave a lasting impression. Ensure that the logo is versatile enough to be used across different platforms, from business cards to agency-branded shirts and everything in between.

2. Brand Messaging:

Effective brand messaging goes beyond a catchy slogan; it communicates the essence of your agency and the value you provide to clients. Clearly define your unique selling propositions and craft messaging that sets your agency apart from the competition. Are you known for your friendly service or specialized coverage? Make sure to highlight these things in your brand messaging.

Consistency is crucial in brand messaging.

Ensure that your core messages are echoed in all of your marketing materials, including website content, social media posts and promotional materials. A cohesive message reinforces your brand identity and helps clients understand what sets your agency apart.

3. Consistency Across Marketing Channels:

Consistency is the glue that holds your branding together. It's essential to present a unified front across all marketing channels to avoid confusion and reinforce your brand identity. From your website and social media profiles to printed materials, maintain consistency in logo usage, color schemes and messaging.

Consistent branding builds trust and credibility. When clients encounter your agency's marketing across various platforms and consistently experience the same visual and messaging elements, it reinforces your professionalism and reliability. This consistency also helps in creating a memorable brand that clients can easily recall when in need of your services!

Don't underestimate the impact of branding on your agency's success. A well-crafted logo, compelling brand messaging and consistency across marketing channels collectively contribute to a strong and memorable brand identity. Investing time and effort into these branding elements will pay off in the long run by attracting the right candidates, fostering trust and ultimately positioning your agency for long-term success in a competitive market.

EVERS SIGNS NEW STATE LEGISLATIVE MAPS WITH REPUBLICAN SUPPORT

Wisconsin Democratic Governor Tony Evers secured a major political victory with his recent signing into law of new legislative district maps after the state’s Supreme Court ruled in December last year that the Legislature’s maps were unconstitutional. Republicans, who currently hold large majorities in both houses of the Legislature and have so for some time (Senate 22 GOP to 10 DEM; Assembly 64 GOP to 35 DEM), reluctantly approved the new maps that were proposed by Governor Evers. They made no amendments or changes in order to avoid the high probability of a liberal controlled 4-3 Supreme Court imposing much more unfavorable maps on Republicans. Senate and Assembly Republicans had previously sent the Governor a version of his maps proposal with some modifications, only to have Evers veto the plan because they weren’t identical to his plan.

Democrats, many of whom voted against the Governor’s maps, ironically praised the signing of the new district maps as a significant political victory. The Legislature has been firmly under Republican control for more than a decade, even as Democrats have successfully won 14 of the past 17 statewide elections at the ballot. The new legislative districts mark a milestone in over 50 years that redistricting has passed the Legislature and was enacted by a governor rather than through the courts. Facing a mid-March deadline from the state elections commission for new maps to be in place, Republicans were left with no options and made the strategic decision to support the Governor’s maps and compete to maintain their majorities this fall on the campaign trail.

Under the new maps which will be in effect for the 2024 elections, Republicans maintaining majorities in the State Assembly and State Senate is no longer a guarantee, but they still hold slight advantages going into the election, primarily because they have more incumbents. But the effect of the new maps are certain to make more legislative seats more competitive than they are today. Democrats are almost certain to gain seats in both houses as a result, but it remains an uphill battle for Democrats to flip one or both houses in 2024. Some of this will depend on candidate recruitment, quality and how much of an impact Biden and Trump will have if they win their respective party nominations. Also under the new maps, there are 15 incumbents in the Assembly who will be forced to run against another incumbent and 6 such pairings in the Senate.

Only one of the Assembly pairings would pit one Democrat incumbent against another one. In the Senate, the only Democrat pairing includes an incumbent who has already decided not to run this fall.

Here is the Assembly Old Map v. New Map pathway to the majority for both parties:

Here is the Senate Old Map v. New Map pathway to the majority for both parties:

Aside from the state legislative maps, the Wisconsin Supreme Court also has been asked by Democrats to take up a challenge to the state's congressional district lines which the Legislature did not take action on. The lawsuit argues the court's decision to order new state legislative maps now opens the door to challenging the congressional map. Republicans currently hold six of eight congressional seats and it remains to be seen whether or not the court will order new maps.

A detailed overview of the newly enacted maps and current congressional maps are available to view at the links below:

Wisconsin Assembly - bit.ly/3wAg2JZ

Wisconsin State Senate - bit.ly/3IfIcwp

Wisconsin Congressional Map - bit.ly/42UGt9b

JOIN THE IIAW’S EMERGING LEADERS

Who We Are

The IIAW Emerging Leaders is a statewide network of insurance professionals striving for professional growth through education, leadership development, legislative involvement and insurance career perpetuation. The group hosts a variety of in-person and virtual events throughout the year to allow members to learn, network and grow professionally.

The IIAW Emerging Leaders is committed to offering best-in-class professional development and networking opportunities for insurance professionals across the state.

Who Should Join

Young insurance professionals who are looking to enhance their career and build relationships within the industry.

What We Do

We create experiences to help members build their careers and integrate best practices.

We develop meaningful relationships between agents, carrier representatives and association members.

We provide unique professional development opportunities (industry simulations, personal development, speakers, webinars, etc.).

We engage future industry decision-makers in events and volunteer roles.

IIAW MEMBER BENEFIT REMINDER: LEGAL SERVICES HOTLINE

My colleagues and I have operated the IIAW Legal Services Hotline since 2011 and it has been a great way for member agents and agencies to get quick answers to relatively basic legal questions (or sometimes find out their questions are not all that basic!) and has helped our firm and the IIAW keep an eye on issues that are important to the industry and the Association. IIAW staff and leadership frequently are asked questions that could easily and more efficiently be addressed to the Hotline, so we thought this would be a good time to devote a column to reminding members that the Hotline is available, and what it can (and cannot) do.

What is the IIAW Legal Services Hotline?

The Association frequently receives member inquiries seeking advice that requires the assistance of legal counsel. In many instances, the questions can be quickly answered by experienced legal counsel. IIAW believes that extending Hotline Legal Services—through the Association’s regular law firm—on a limited basis and at no cost to member agencies is a valuable component of its extensive member benefits offerings. Hotline Legal Services are available to all current member agencies at no charge, subject to certain guidelines.

First, member agencies are entitled to one inquiry with a 15-minute consultation per calendar quarter per agency. We are generally able to inform members at the outset if their question can be properly addressed by the Hotline and within these basic time limits.

Next, the Hotline is restricted to insurance or agency operations questions; it is not in place to answer personal legal questions. Some of the topics members for which make use of the Hotline include:

• Insurance Law and Regulations

• Employment Practices

• Benefits Issues

• Errors & Omissions

• Taxation

• Real Estate

• Business Corporate Law and Succession Planning

Finally, please understand that the attorneys providing the services are counsel to the IIAW and are providing Hotline Legal Services on behalf of the Association. No attorney/client relationship will exist between the caller and the attorney and, thus, we do not offer reviews of particular legal documents or advice that requires clearing formal conflict of interest checks. Advice and information provided (and information received from the member) will be general in nature, both to manage the ethical aspects of the service and because it is not possible to analyze all facts of a problem in just 15 minutes.

How Do You Access the Hotline?

There are two ways to access Hotline Legal Services—Telephone and E-mail. Whichever method you choose, you should receive a response within one business day.

• E-Mail: IIAWHotline@gklaw.com

• Toll-Free Telephone: 877-236-1669

Whether you contact the Hotline by email or telephone, you will need to: (1) identify yourself as an IIAW member seeking Hotline Services; (2) provide the name of your agency so that eligibility can be verified; and (3) give the general nature of your question, so that an appropriate attorney can consult with you. If the attorney who will be counseling the member is unavailable when the call is received, the call will be returned to the agency as soon as possible.

We enjoy providing the Hotline and have found it to be a great way to connect with member agents and agencies over the years. Please keep it in mind when issues arise.

Members in the News

WEST BEND MUTUAL HOLDING COMPANY PLAN PASSES

West Bend, WI (1/23/24) - West Bend held a special Meeting of Members to consider a plan to convert to a mutual holding company. The plan passed on December 8, 2023, with over 90% of the votes cast in favor of conversion. Effective January 1, 2024, the company officially became West Bend Insurance Company and now operates as a stock insurance company under West Bend Mutual Holding Company. West Bend Mutual Holding Company is still owned and governed by its shareholders.

ACUITY CELEBRATES 22ND CONSECUTIVE A+ (SUPERIOR) AM BEST RATING

Sheboygan, WI (2/2/24) - Acuity announced that AM Best has affirmed the insurer’s Financial Strength Rating of A+ (Superior) with a Stable outlook, the 22nd consecutive year Acuity has earned an A+ Financial Strength Rating.

Acuity also has an A+ Financial Strength Rating from Standard & Poor's (S&P), offering independent agents and customers the financial security of two superior ratings and ranking Acuity in the top 19 carriers nationally based on financial strength ratings.

The affirmation of Acuity’s A+ Financial Strength Rating from AM Best follows a year in which Acuity achieved the strongest premium growth in its 98-year history, reached an all-time high in assets (GAAP), and grew policyholders’ surplus (GAAP) by over 12%.

In reaffirming Acuity’s A+ rating, AM Best noted the insurer’s strength across several areas of measurement:

• Balance Sheet – Strongest, emphasizing strongest level of risk-adjusted capitalization, strong liquidity, and cash flow.

• Operating Performance – Strong, highlighting strong,

profitable long-term operating results better than the peer composite, as well as strong investment income.

• Business Profile – Favorable, built upon well-diversified mix of business by line and geography, grounded in a focus on profitable growth.

• Enterprise Risk Management – Appropriate, driven by strong risk assessment culture and risk management controls, supported by a highly risk-aware and engaged management team.

Acuity Insurance, headquartered in Sheboygan, Wisconsin, insures nearly 150,000 businesses, including nearly 350,000 commercial vehicles, and more than 550,000 homes and private passenger autos across 31 states. Rated A+ by AM Best and S&P, Acuity employs more than 1,600 people.

GINA POPP ATTENDS APCIA EMERGING LEADERS CONFERENCE

Fond du Lac, WI (2/9/24) - Gina Popp of Society Insurance has been honored by the American Property Casualty Insurance Association (APCIA) as an emerging industry leader. Popp joined a select group of property and casualty insurance professionals at the 2024 Emerging Leaders Conference on February 4-6 in San Antonio, TX.

The conference, co-hosted by the Insurance Careers Movement (ICM) and AM Best during February Insurance Careers Month, provides insights on executive leadership, facilitates networking and promotes professional and personal development.

"It was an honor to be surrounded by such a talented group of insurance professionals," said Popp, who serves as Society’s director of information technology delivery. “This was a great opportunity to recognize the contributions these individuals are making not only at their companies and within the industry, but also in the communities they serve. The future of insurance and technology looks brighter than ever with so many thought leaders truly working to make a difference."

ABOUT SOCIETY INSURANCE:

Headquartered in Fond du Lac, Wis., Society Insurance has been a leading niche insurance carrier since 1915. Society focuses on the small details that make a big difference to its policyholders while offering top-notch insurance coverage, service and competitive pricing to businesses in Wisconsin, Illinois, Indiana, Iowa, Minnesota, Tennessee, Colorado, Georgia and Texas.

HARD COPY POOL APPLICATION ELIMINATION

The Wisconsin Compensation Rating Bureau (WCRB) has received approval for the elimination of hard copy applications to the Wisconsin Workers Compensation Insurance Pool (Pool). Effective July 1, 2024, hard copy applications will no longer be accepted.

Online Assigned Risk (OAR), the electronic Pool application, was developed in 2008. Starting July 1, 2024, this will be the only acceptable way to apply to the Pool.

Please see the WCRB website, www.wcrb.org, for more information regarding how to submit OAR applications to the Pool.

Should you have any questions regarding this change to the method by which Pool applications will be accepted, please call the Pool line at 262796-4592 or send an email to oar@wcrb.org.

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We’ve been successfully protecting small businesses since 1983.