November 2016 | Published Monthly

Trump & P&C Insurance & ObamaCare » 7

Vertafore’s Independent InsuranceAgent Survey » 11

Business Cards in the 21st Century » 14

Fascinating & Sometimes FunStats on the American Driver » 18

INSIDE

Cover Image: Rich Herrmann - Contrasts of Autumnwww.richherrmann.com

PIA NE IA and The National Alliance held Iowa’s

Conferment Ceremonies | 20

Insuring the Midlands Since 1891

Andy Kraus, CPCUVice President of Agencies

800-742-7433akraus@fmne.com

National Association of Professional Insurance Agents400 N. Washington St., Alexandria, VA 22314-2353www.pianet.com | membership@pianet.org | (703) 836-9340

Did you know that PIA’s company council, The PIA Partnership, has conducted nationwide research about the insurance buying preferences of small business owners?

The research is encouraging because it found that small business owners strongly prefer independent insurance agents as they make choices in today’s online world.

However, the results also serve as a wake-up call that agents must take steps to continue to demonstrate their value and also be more engaged online.

PIA and the companies belonging to The PIA Partnership have created a public website that helps agents understand PIA’s findings.

PIA members also have access to a private website containing a series of strategies and tools to help them stay ahead of online competition in commercial lines.

To access the newest PIA Partnership project, Small Business Insurance & The Internet — The Voice of the Commercial Lines Customer, visit us at www.pianet.com/voiceoftheclcustomer.

If you are not a PIA member and want to access all of the tools available through this program, contact us for a membership application or visit us online at www.pianet.com/joinpia.

November 2016 | Main Street Industry News | www.pianeia.com | 4

Special Report: What’s Next for ObamaCare | 16The first two weeks of the Affordable Care Act’s annual sign-up has been remarkable. In spite of the uncertainty of a Donald Trump election and his and Republican vows to repeal it and start over, people are signing up in droves.

Fascinating & Sometimes Fun Stats on the American Driver | 18We love our cars. And we do so in spite of the fact that large cities are pushing people to take mass transportation, ride bicycles or walk to get places like work.

Trump & P&C Insurance & ObamaCare | 7Donald Trump — against all predictions — is president-elect of the United States and will be our 45th president.

Insurance Pricing 2017: Willis Towers Watson | 9It’s a soft market and when it comes to purchasing commercial insurance the buyer has all the advantages.

Greenberg Appeals AIG Bailout Ruling | 10Maurice “Hank” Greenberg is spending a lot of time in court these days. In New York’s Supreme Court he’s currently he’s defending himself against book cooking accusations filed 11 years ago by then New York Attorney General Eliot Spitzer.

Vertafore’s IndependentInsurance Agent Survey | 11Vertafore’s third annual independent insurance agent report results have been released.

Cyber Attack Successes & A Scary Prediction | 13Forrester Research just released a frightening prediction for 2017. It says the next president will face what it calls a major cybercrisis and says companies will continue to battle escalating and dynamic security and privacy risks.

Business Cards in the 21st Century | 14These days change is happening so rapidly that most of us can barely keep up. Every day we hear of a new application to put in our mobile devices to make our lives easier.

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piA Ne iA eveNTS

Professional Insurance Agents NE IA and The National Alliance held Iowa’s 38th Annual CIC, 26th CISR, 1st CISR Elite and 9th CRM Conferment Ceremony | 20

Upcoming Events Calendar 2016 | 26

AdverTiSemeNTS

Contact us to place an ad.Cathy Klasi, Executive Director(402) 392-1611

9-A-1837 Ed. 10-15

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The PIA NE IA, Main Street Industry News reserves the right to edit your comments to fit space available. We respectfully ask that you keep the comments to 200-300 words.

PIA Association for Nebraska and Iowa is committed to focusing its resources in ways that cast the most favorable light on its constituents. We are dedicated to providing the type of programs, the level of advocacy, and the dissemination of information that best supports the perpetuation and prosperity of our members. We pledge to always conduct ourselves in a manner that enhances the public image of PIA and adds real value to our members.

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November 2016 | Main Street Industry News |www.pianeia.com| 7

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Donald Trump — against all predictions — is president-elect of the United States and will be our 45th president. In January a Trump administration will hit the deck running with 100 day promises and challenges.

Our concern is insurance and other than promises to repeal the Affordable Care Act, how will a Donald Trump presidency impact insurance?

PIA National issued a statement on the Trump victory and said it’s time to focus on the interests of the entire country. “While both political parties campaigned on differing roles of the private market and regulation, the National Association of Professional Insurance Agents will continue its efforts to promote the valued role of the professional independent insurance agent by seeking business-friendly policies that will encourage a strong market,” the statement said.

And PIA National’s statement also came with a plea to the president-elect and to the upcoming Congress. “In addition to capturing the White House, Republicans will continue to control both houses of

Congress. Keeping in mind that neither party holds a 60-vote ‘super-majority’ PIA encourages the next Congress to avert stalemates by finding bipartisan solutions to strengthen our economy.”

Leigh Ann Pusey is the president and CEO of the American Insurance Association (AIA). Her group hopes the log jam will be broken since the Republicans now control Congress and the presidency. The AIA wants long-term reauthorization of the National Flood Insurance Program (NFIP). Tax reform is also on the AIA agenda and more attention paid to how different insurers are from banks and other financial services.

“We also anticipate a more balanced approach to regulations that will allow the industry to grow and develop new markets that respond to technological advances, such as telematics, big data and autonomous vehicles. Additionally, we congratulate Sen. Mike Crapo (R-Idaho) on his reelection to the Senate, and incoming chairmanship of the Senate Banking Committee. It is our hope that new members of Congress and the Trump administration will work to find common ground in the 115th Congress on these important issues,” she said.

Brady Kelley is the executive director of NAPSLO (National Association of Professional Surplus Lines Offices). He notes his group will continue to educate Congress on important insurance issues. “Our other priorities in D.C.:

Trump, P&C Insurance & ObamaCare

November 2016 | Main Street Industry News | www.pianeia.com | 8

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one, preserving the uniformity and efficiency provided by the NRRA (National Risk Retention Association); two, private-market solutions and consumer choices for complex flood risks; and three, promoting national uniformity in producer licensing. All represent issues that have already received strong bi-partisan support,” Kelley said.

Jimi Grande is the senior vice president of federal and political affairs for the National Association of Mutual Insurance Companies (NAMIC). He thinks the industry will work very well with a Trump administration.

“It’s obviously early, but President-elect Trump made reducing federal burdens on businesses and industries across the economy a staple of his campaign. NAMIC will work with lawmakers and those expected to be part of the new administration to find additional areas where we can work to promote a strong, competitive marketplace to the benefit of insurers and their policyholders and bring common sense to federal policies on disaster mitigation and international trade,” Grande said.

Property Casualty Insurers Association of America (PCI) spokesman Nat Wienecke agrees. “We expect the new administration to review regulatory issues affecting the industry and that the net outcome will be positive for private competitive markets,” he said.

He then added his organization hopes the Trump administration will do away with regulations that are harmful to business and specifically “the Department of Labor’s overtime rule and Department of Housing and Urban Development’s encroachment on state insurance regulation with its Disparate Impact Rule.”

After his meetings with House Speaker Paul Ryan and Senate Majority Leader Mitch McConnell Trump held a news conference and again emphasized his promise to repeal and replace the Affordable Care Act.

Tom Miller of the American Enterprise Institute — like most of us — wonder whose going to take the lead in a Trump administration to get the ball rolling. “I wouldn’t be surprised if Mike Pence got this in his lap. He knows the issues and has a feel for them. This could well be tossed over to the VP and his staff underneath that,” Miller said.

Others say Dr. Ben Carson — the former Trump nomination rival — will play a big part in the dismantling and replacement process. And Carson — who expects to be included in the administration and the ACA repeal — said the administration needs to be careful about how it goes about things. “I think the replacement obviously must come first and it must be something that is very appealing and easy to understand. And then, only then, would you dismantle what’s in place.”

California Insurance Commissioner Dave Jones is urging the president-elect and the Republican controlled Congress to think this through a bit more before putting together a repeal.

“Repeal of the Affordable Care Act would result in the denial of health insurance for people with pre-existing health conditions. Americans with employer-based and individual market coverage would lose access to preventative health care without cost sharing, which has helped so many people stay healthy. Access to preventative care would be undermined by the imposition of significant deductibles and other out-of-pocket costs,” Jones said.

And he points out that insurers will increase profits and reduce the amount of medical care given to those with coverage.

Sources: PropertyCasualty360.com, Carrier Management, Insurance Journal, Employee Benefit Advisor

November 2016 | Main Street Industry News |www.pianeia.com| 9

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It’s a soft market and when it comes to purchasing commercial insurance the buyer has all the advantages. That’s the conclusion of the Willis Towers Watson 2017 Marketplace Realities report.

Capacity is the main reason for the market’s condition. The report predicts a downward slide for prices or flat conditions at best for most property and general liability risks. Not all is bad, the predictions — says Willis Towers Watson spokesman Matt Keeping — show lines like cyber, auto liability and health insurance will see rate increases.

“The mix of increases and decreases, while subject to some change line by line, overall remains steady. The marketplace continues to offer opportunities for buyers, but as always, strategic planning yields the best results. The key point for buyers is to understand the nuances of the market so they can optimize their risk management programs,” Keeping said.

Rate Changes by LineProperty

Non-CAT Risks — down 7.5% to 10%• CAT-exposed Risks — down 10% to 12.5%• 

Casualty General Liability — down 5% to flat to • 

+5% to +10% for risks with losses

Insurance Pricing 2017Willis Towers Watson

Umbrella / Excess — down 10% to flat• Workers’ Compensation — down 2.5% to • 

+2.5%Auto — Up 3% to 10%• 

Executive RisksD&O — down 7.5% to flat• E&O with good loss experience — • 

flat to +5%E&O with bad loss experience — • 

Up 15% to 20%EPLI — flat to +3%• Fiduciary — down 5% to up 5%• 

CyberRenewals O/T POS Retail, HC — • 

Up 5% to 10%Renewals for POS Retail, HC — • 

+15% to +20% for POS retailers and large health care

First-time Buyers — Competitive• 

November 2016 | Main Street Industry News | www.pianeia.com | 10

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Decreases Expectedfor 10 Lines

Property• Aviation• Directors & Officers• Energy• Fidelity• Health care professional• International• Marine• Political Risks • Terrorism• 

Increases Expectedfor 6 Lines

Auto• Cyber• Employee benefits• Employment practices liability• Errors & Omissions• Trade credit• 

A Mix of Small Increasesand Decreases Expected

Casualty• Workers’ compensation• Construction• Environmental• Fiduciary• Kidnap & ransom• Surety• 

Source link: Carrier Management

Maurice “Hank” Greenberg is spending a lot of time in court these days. In New York’s Supreme Court he’s currently he’s defending himself against book cooking accusations filed 11 years ago by then New York Attorney General Eliot Spitzer. On another legal front, Greenberg is appealing a court decision that says he and other AIG investors are not entitled to financial competition for the U.S. government’s $85 billion bailout and takeover of AIG in 2008.

The court said the government acted improperly but didn’t think Greenberg and the others are entitled to financial damages since AIG’s stock was worth almost nothing at the time.

Greenberg and his attorneys have filed an appeal in the U.S. Court Appeals and want the non-financial judgement reversed. His attorney David Boies said the government was out to punish AIG and treated stockholders unfairly. Government attorney Mark Stern said, “If the government had wanted to punish AIG all it needed to do was nothing. That would have been it,” for the company.”

Sources: Insurance Journal, Carrier Management

Greenberg Appeals AIG Bailout Ruling

November 2016 | Main Street Industry News |www.pianeia.com| 11

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Vertafore’s third annual independent insurance agent report results have been released. It’s titled How Independent P&C Insurance Agencies Thrive in 2016’s Competitive Marketplace and it looks at the perceptions of agency owners and producers on investments, threats and opportunities.

The survey says close to 49% of those polled think the future of their agency is positive. In 2015 the figure was 29%. The 2015 drop was — by the way — significant from over 50% to the 29% figure.

Bruce Winterburn — Vertafore’s VP of industry relations — said lots happened in 2015 to drive that number down. “For instance, Google announced entry into the auto insurance rating market, VC (venture capital) funding in the insurtech startups more than tripled, and carriers were, and still are, getting more sophisticated in their use of predictive analytics,” he said.

These things were all set up to diminish the value of the independent insurance agent. Things — he said — have changed. “Fast-forward to today, Google is no longer dabbling in insurance and agents have doubled down on their use of technology in day-to-day operations to help them compete with new insurtech market entrants,” he said.

Vertafore’s Independent Insurance Agent Survey

Most agencies — 84% — are planning moderate to significant growth in the next four or five years. And 36% think they’ll see aggressive growth.

“Our year-over-year survey analysis shows agents have remained bullish on mobile and CRM investments, which have helped attract and better service new and existing customers. The industry activity coupled with revenue increases across both P/C lines have contributed to this renewed sense of optimism,” Winterburn said.

In the area of technology51% have increased their technology • 

budget in the last 12 months63% are going to hike it up even more next • 

year

November 2016 | Main Street Industry News | www.pianeia.com | 12

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Half of the budgets are going for needed •  maintenance and updating and upgrading

31% are investing in new technology to •  help grow their book of business

35% are investing in mobile smart devices• 74% say they rely on smartphones for • 

work40% say they conduct business outside of • 

the office at least once a week66% think mobile friendly website • 

investment is important, too

Other improvements and investments planned

Customer service & investing in portals — •  65%

9A2112 5-11 E&O Cybersurance PC.indd 1 5/24/11 3:38 PM

Customer relationship management •  technologies — 61%

Marketing analytics — 58%• 

As for income and the bottom-line

Most say they had revenue growth in •  commercial and personal lines

That said, venture capital start-ups are a concern:

54% in 2015 worried about them and that •  jumped to 76% in 2016

Source: Insurance Journal

November 2016 | Main Street Industry News |www.pianeia.com| 13

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SucceSSeS & a Scary PredictionForrester Research just released a frightening prediction for 2017. It says the next president will face what it calls a major cybercrisis and says companies will continue to battle escalating and dynamic security and privacy risks.

In other words, we’re going to see targeted espionage, ransomeware, denial of service, Privacy breaches on a broader scale than we’ve seen in the past. And with that Forrester made five — very disturbing — predictions:

A Fortune 500 firm will collapse because of •  a cyber attack and breach

Healthcare breaches will be as common as •  those happening to retail companies

More than 500,000 Internet-of-things •  devices will be compromised by hackers

Within 100 days of the new administration •  the president will face a major cybercrisis

The last is equally interesting. National security risks will cause government agencies to

expand surveillance technology and that will set up a new legal and ethical conflict between government and the people.

Some of these are already close to true. The Identity Theft Resource Center (ITRC) says more than 14 million ID thefts have happened in 293 health insurance sector data breaches. That’s more than the 2.5 million from the 354 data breaches in the business sector.

What’s most disconcerting about the predictions is experts agreeing that the scenarios outlined are not just possible, but likely within the next year.

The study is fascinating. If you want to see the entire release, click here to go to Forrester’s paper.

Another study — one done by Accenture — is just as disturbing. It said 33% of all attempts to breach a corporations cyber defenses succeed. Ironically, the CEOs and executives of the nation’s corporations believe their security strategies are good enough.

November 2016 | Main Street Industry News | www.pianeia.com | 14

The 2,000 security officers surveyed in those companies aren’t so sure.

The report is titled Building Confidence: Facing the Cybersecurity Conundrum. And it says the high failure rate is mostly from the sheer volume of attacks. “On average, an organization will face more than a hundred focused and targeted breach attempts every year, and respondents say one in three of these will result in a successful security breach. That’s two to three effective attacks per month,” the study authors wrote.

The report also notes businesses are spending about $84 billion a year to defend the data thefts that end up costing them about $2 trillion. And the report says that figure is going to skyrocket to $90 billion by 2030 if the current trend continues.

Accenture Security North America’s managing director Kevin Richards said, “Cyberattacks are a constant operational reality across every industry today and our survey reveals that catching criminal behavior requires more than the best practices and perspectives of the past. There needs to be a fundamentally different approach to security protection starting with

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identifying and prioritizing key company assets across the entire value chain.”

Worse, it sometimes takes victim firms months to detect successful breaches and 17% are discovered a year or later from the actual event.

“To survive in this contradictory and increasingly risky landscape, organizations need to reboot their approaches to cybersecurity. Ultimately, many remain unsure of their ability to manage the internal threats with the greatest cybersecurity impact even as they continue to prioritize external initiatives that produce the lowest return on investment,” the report’s authors conclude.

And they end they conclude there is just too much emphasis these days on compliance and not enough emphasis on solving the problem. “Just as adhering to generally accepted accounting principles does not ensure protection against financial fraud, cybersecurity compliance alone will not protect a company from successful incursions,” they wrote.

Sources: PropertyCasualty360.com, 24/7 Wall St.

Business Cards in the 21st CenturyThese days change is happening so rapidly that most of us can barely keep up. Every day we hear of a new application to put in our mobile devices to make our lives easier. And as the days move on, an equal number of applications

November 2016 | Main Street Industry News |www.pianeia.com| 15

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or business practices that were once essential disappear. One of those is the business card.

Old-fashioned as they are, business consultant Michael Goldberg remains a proponent of using them. Our mobile devices can often function as connection devices but Goldberg says a business card with all of your contact information is still a better way to go when networking or developing new business.

And in an article on PropertyCasualty360.com Goldberg listed 10 reasons to keep using them. “Our phones, watches, sunglasses, socks and pens are all capable of helping us exchange contact information at the speed of Snapchat. I get it!,” he wrote.

And he added, “When it comes to networking, if you don’t have a good enough connection with those you meet, you’ll never get into their phones in the first place. Moreso if you’re a financial advisor or any sales producer that comes on too strong.”

Goldberg’s 10 ReasonsIt tells people your name and the name of 1. your business.

It provides all of your contact information 2. (including cell phone and social media tags).

It lets people know what you do and, in 3. some cases, for whom.

It helps brand you and may give others an 4. idea about your style and personality.

It can tell others that you’re resourceful, 5. creative and professional.

It can be memorable given the color, size, 6. card stock, graphics and overall look.

It presents a consistent message to those 7. that have it, whether they got it from you or not.

It works as soon as you hand it to someone 8. (provided it’s for the right reasons at the right time).

It’s very portable as you can keep a stack 9. in your pocket, purse, gym bag, wallet or wherever.

It’s the most cost effective promotional 10. device you can own.

Goldberg’s advice:“The reality is your business card may be the best way to help you make that connection through your follow-up call, email or text to take that next step. It’s in the cards! And that may never change.”

Source: PropertyCasualty360.com

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The first two weeks of the Affordable Care Act’s annual sign-up has been remarkable. In spite of the uncertainty of a Donald Trump election and his and Republican vows to repeal it and start over, people are signing up in droves.

The U.S. Centers for Medicare and Medicaid Services (CMS) said to date 246,400 new sign-ups have been recorded and we’ve seen 761,899 renewals of existing coverage. That’s 53,000 more plans than we saw a year ago during the same time period.

And again, this in spite of uncertainty in the future of the Affordable Care Act.

President-elect Donald Trump is all over the place as to what he wants to do. Last week he told the Wall Street Journal, “Either Obamacare will be amended, or repealed and replaced.”

Earlier he gave CBS’ 60 Minutes a bit more. “We’re going to do it simultaneously. It’ll be just fine. That’s what I do. I do a good job. You know, I mean, I know how to do this stuff. We’re going to repeal it and replace it. And we’re not going to have, like, a two-day period and we’re not going to have a two-year period where there’s nothing. It will be repealed and replaced. I mean, you’ll know. And it’ll be great health care for much less money,” he said.

What Trump hasn’t given is details on what he sees as a new excellent program. All he’s said is he’s keeping two key elements of ObamaCare:

Young people can stay on their parents • plans until age 26

Pre-existing conditions will stay covered• 

Special Report:What’s Next for ObamaCare

Other than that, Trump uses a bunch of adjectives to describe ObamaCare:

A horror• A catastrophe• A big-fat, horrible lie• 

Republicans in both the House and the Senate — including the party’s leaders — have issued similar descriptions.

All this talk about repeal has insurers nervous. Most are locked into 2017 but with a repeal or more repeal talk, look for more insurers to drop out. And that means — says Larry Levitt of the Kaiser Family Foundation — about 10 million people using the ObamaCare plans will not have coverage.

“If they [insurers] know the law is ending sometime soon, I don’t know that they’re going to be so excited about sticking around,” he said.

A report from the liberal group, the Center for American Progress (CAP) worries about any type of transition between ObamaCare and what Trump and the Republicans have in mind. “Even with a delayed effective date, the reconciliation bill approach would cause massive disruption and chaos in the individual market for health insurance. The complete unraveling of the market would occur by the end of 2017,” the report said.

In Washington State, Insurance Commissioner Mike Kreidler is already preparing for the worst. He belongs to CAP and said he’s talking with insurance companies in his state and with Governor Jay Inslee about how to proceed.

November 2016 | Main Street Industry News |www.pianeia.com| 17

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The worry? A big gap in healthcare coverage for those now using the ObamaCare plans on the exchanges.

“We really desperately need to have a replacement plan. That’s the really critical part of this. Otherwise, they’re talking about repealing in a vacuum. I think that is a guaranteed recipe for absolute uncertainty going forward,” Kreidler said.

Trump has his ideas of what to do and so do different Republicans. Hardcore conservatives like Sen. Ted Cruz, Utah’s Sen. Mike Lee and Senate Majority Leader Mitch McConnell want to repeal the Affordable Care Act completely.

More moderate Republicans like West Virginia’s Sen. Shelley Moore Capito and Mississippi’s Sen. Roger Wicker worry about those getting insurance now suddenly being without. “We’ll see if we can reach some sort of consensus with our Democrat friends on how to make this repeal and replace. Clearly we don’t want to do any harm to people who are in the system now. We want to be mindful of that,” Wicker said.

These are some ideas that have been pushed around for the last few years by Republicans:

The modification of laws to allow •  health insurance to be sold across state lines.

Allow individuals to deduct any •  health care premium payments from their taxes.

Make health savings accounts •  (HSA) tax free and let people pass those dollars onto heirs without fear of the “death penalty.”

Require health insurers and •  providers like doctors

and hospitals to be more transparent about pricing.

Give Medicaid block grants to the states to •  let them help insure the uninsured.

Free markets for drug providers to offer •  safe and reliable and cheaper products.

There are also those in the Republican Party who want to repeal ObamaCare over a two-year time period. And again, that — and this can’t be emphasized enough — and other Republican ideas have insurers nervous.

Sources: The Hill, Insurance Journal, Employee Benefit Advisor

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We love our cars. And we do so in spite of the fact that large cities are pushing people to take mass transportation, ride bicycles or walk to get places like work.

Fascinating & Sometimes FunStats on the American Driver

November 2016 | Main Street Industry News |www.pianeia.com| 19

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The AAA Foundation for Traffic Safety says the push is in vain. Statistics it pulled up from the annual AAA American Driving Survey shows 92.6% of all American households own a motor vehicle.

Most use them.

Jurek Grabowski is AAA’s research director and he said we drove 2.45 trillion miles in 2015. That’s a 2.4% jump over 2014’s results. “The amount of time the average driver spends behind the wheel each year is equivalent to seven 40-hour weeks at the office, It’s clear that traveling by car remains a central part of American’s lives.”

The AAA survey asked 5,774 drivers to provide information on their daily driving. The results are fascinating. Here are the results:

Each driver drove an average of 10,900 1. miles in 2015 and spent more than 290 hours in a vehicle.

Of those 18 and over, 87.5% said they 2. drove somewhere in the past year.

Men drove 2,314 more miles than women 3. and men spent 18% more time in vehicles than women.

Just over 86% of all U.S. households have 4. at least one vehicle per driver in the home and 28% said they have more than one vehicle per person in the home.

Seniors over the age of 75 drive fewer miles 5. than teens. For teens the mileage is 5,840 and it is 7,551 for seniors. Drivers age 30 to 49 drive 13,506 miles per year and that’s the most among the age groups.

Drivers in rural areas drive more miles 6. — 13,029 — than those living in cities — 10,591.

Those in the Midwest and South drive 7. 13,029 per year compared to those in the Northeast at 9,328 miles a year.

50% of the miles driven are in cars, 20% in 8. SUVs, 17% in pickups and 7.9% in vans.

66% of the total trips and 62% of the total 9. miles are driven with only the driver in the vehicle. Women are 24% more likely to have a passenger.

We tend to drive more during the fall — 31.5 10. miles per day — and fewer miles in the winter at 26.2 miles per day.

Fewer of us drive on weekends than 11. weekdays. Those that did drive on weekends drove more miles than drivers who drive weekdays.

Those 18 and above that are married are 12. more likely to drive than people who haven’t married or who are widowed.

The average number of drivers per 13. household is 1.8 and the average number of vehicles per household is 2.1.

On any given day the average number of 14. trips per driver is 2.1 with an average of 29.8 miles driven. Average time per the 2.1 trips is 48.4 miles.

The number of people eligible to drive 15. jumped 1% from 2014 to 2015. The 1% is 3.3 million people.

Source: PropertyCasualty360.com

November 2016 | Main Street Industry News | www.pianeia.com | 20

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Professional Insurance Agents NE IA and The National Alliance held Iowa’s 38th Annual CIC, 26th CISR, 1st CISR Elite and 9th CRM Conferment Ceremony

38th Annual IowaCIC Conferment CeremonyMs. Melissa S. Allen, CIC, CPCUGuideOne InsuranceWest Des Moines, IA

Ms. Andrea Marie Amick, CICNationwide Insurance Des Moines, IA

Ms. Cherise Jo Bates, CIC, CISRWestfield Insurance Company West Des Moines, IA

Ms. Amy K. Berry, CICEMC Insurance Companies Des Moines, IA

Mr. Eric John Biase, CICFortress Wealth ManagementUrbandale, IA

Ms. Leesa M. Budde, CICAssociated Insurance Counselors, Inc.Preston, IA

Mr. Tyson D. Burkamper, CICLee Agency, Inc.Muscatine, IA

Ms. Julie A. Cihla, CIC, AU, SMUnited Fire Group Cedar Rapids, IA

Ms. Connie Conine, CIC, CPCUUnited Fire & Casualty Cedar Rapids, IA

Ms. LeAnn Doughty, CICGateway Insurance Services Iowa Falls, IA

Ms. Amy S. Eckert, CIC, CPCU, AINS, AISNationwideDes Moines, IA

Mr. Grant Fiihr, CIC, CPCU GuideOne Insurance West Des Moines, IA

Ms. Katie D. Gerdis, CIC Nationwide Insurance Des Moines, IA

Ms. Holly Ann Goldsmith, CIC, CISR Reynolds & Reynolds Inc.Des Moines, IA

Ms. Megan M. Gotto, CICCottingham and Butler Dubuque, IA

Mr. Jason G. Grams, CICNationwideClive, IA

Ms. Dana D. Hasselbrink, CIC, AUGrinnell Mutual Grinnell, IA

November 2016 | Main Street Industry News |www.pianeia.com| 21

Ms. Kristine Hodges, CIC, CPCU, CLCS Nationwide Insurance Des Moines, IA

Ms. Elisabeth M. Jackson, CIC, CISR, AINS Arthur J. Gallagher West Des Moines, IA

Ms. Krista D. Johnson, CICGuide One Insurance Des Moines, IA

Mr. Phillip J. Johnson, CIC, AFIS GNB Insurance Agency Grundy Center, IA

Mr. Thomas James Kellenberger, CICUnited Insurance Counselors, Inc.Bettendorf, IA

Ms. Lea M. Kieffer, CIC Cottingham & Butler Dubuque, IA

Ms. Kimberly Nicole Lauer, CIC, AU, AINS, AFIS, AIS Farm Bureau Financial Services West Des Moines, IA

Ms. Jasmine Leonard, CIC, CISR Holmes Muiphy West Des Moines, IA

Mr. Chase M. Medinger, CIC Cottingham & Butler Dubuque, IA

Mr. Larry J. Moser, CIC Arthur J. Gallagher Sioux City, IA

Mr. Nicholas Ryan Naber, CIC, CLCS Nationwide Insurance Des Moines, IA

Mr. Scott A. Naset, CIC, AU, AFISNationwide Agribusiness Des Moines, IA

Mr. Scott A. Nelson, CICNelson Brothers Agency, Inc. Bettendorf. IA

Mr. Michael Miller Payne, CICFirst Express Insurance Sidney, IA

Ms. Kathleen J. Ramirez, CICKnapp Tedesco Insurance Agency Ames, IA

Mr. Travis J. Rausch, MBA, CICNationwide Mutual Insurance Co. Des Moines, IA

Ms. Michelle Lynn Roth, CICStiefel Insurance Victor, IA

Mr. Marty Schaefer, CICCentral States Agency, LLC Buffalo Center, IA

Mr. Brent A. Schnetter, CICIowa Bankers Insurance Johnston, IA

Ms. Natalie Rose Schroeder, CICCottingham & Butler Dubuque, IA

Mr. Jeremy M. Staun, CIC, AICNationwide Insurance Des Moines, IA

Ms. Rebecca Lynn Steinfeldt, CICAllied Insurance Des Moines, IA

Ms. Dora B. Stevens, CICNCMICWest Des Moines, IA

Mr. Oscar Tyler, CIC, AICIowa Bankers Johnston, IA

Top STorieS

November 2016 | Main Street Industry News | www.pianeia.com | 22

Top STorieS

Ms. Suzanne M. Van Camp, CIC, CPCU, AIC, AIS The IMT Group Bettendorf, IA

Ms. Sheila Y. Vander Schel, CIC, CLCS Marsh, Inc.Urbandale, IAMs. Jamie Vize, CICNationwideDes Moines, IA

Ms. Shannon Leigh Walsh, CIC, ARMHomes Murphy & Associates West Des Moines, IA

Mr. Raymond £. Yori II, CICFanners Mutual Hail Insurance of Iowa West Des Moines, IA

National CIC StatisticsTotal Participants: 67,447Total Designated: 30,310

Iowa CIC StatisticsTotal Participants: 1,466Total Designated: 656CICs Conferred Today: 46

26th Annual IowaCISR Conferment CeremonyMs. Brianne Elisabeth Baldree, CISRHolmes Murphy West Des Moines, LA

Ms. Nicole C. Bliss, CISRTrueNorth Companies Cedar Rapids, IA

Ms. Jill L. Boisjolie, CISRPharmacist Mutual Insurance CompanyAlgona, IA

Ms. Linda Marie Borens, CISRTrueNorth Companies Cedar Rapids, IA

Ms. Kathleen A. Brewer, CISRHolmes Murphy & AssociatesCedar Rapids, IA

Ms. Lacy Marie Carolan, CISRRochford Insurance Agency New Hampton, IA

Ms. Denise Jane Doerhoff, CISRLSB Financial Ankeny, IA

Ms. Lesley Jane Dolan, CISRNCMIC Clive, IA

Ms. Krystal Kay Graham, CISR Holmes Murphy & Associates West Des Moines, IA

Ms. Jennifer A. Grainger, CISR, AIS, APIPharmacists Mutual Insurance Company Algona, IA

Ms. Rachael M. Ibeling Dreyer, CISR EliteTrueNorth Companies Cedar Rapids, IA

Ms. April L. Johnson, CISRSouthern & Iowa Insurance Services, Inc.West Point, IA

Mrs. Deborah J. Kling, CISR TrueNorth Companies Cedar Rapids, IA

Ms. Sara L. Koines, CISRHolmes Murphy & Associates West Des Moines, IA

November 2016 | Main Street Industry News |www.pianeia.com| 23

Top STorieS

Ms. Cheryl A. Love, CISR Holmes Murphy West Des Moines, IA

Mr. Casey J. Luensmann, CISRPDCM Insurance Waterloo, IA

Ms. Katie Jolyn Melvin, CISRPMC Advantage Insurance Services, Inc. Algona, IA

Mrs. Molly Pickett, CISRFoster Insurance Services Webster City, IA

Ms. Andrea K. Pollock, CISR, CPIA, AINS Lamair Mulock Condon West Des Moines, IA

Mr. Lynn Edward Reitzler, CISRHolmes Murphy & Associates West Des Moines, IA

Ms. Stacey P. Rensberger, CISR Molyneaux Insurance, Inc. Davenport, IA

Ms. Rachel R. Rozell, CISRLMC Insurance & Risk ManagementWest Des Moines, IA

Mrs. Kaitlin R. Schepers, CISRNelson Brothers Agency Bettendorf, IA

Ms. Kelly M. Schneider, CISR, AINS Pharmacists Mutual Insurance Company Algona, IA

Ms. Susanne L. Scieszinski, CISRTrueNorth Companies Cedar Rapids, IA

Ms. Heather J. Selby, CISR TrueNorth Companies Cedar Rapids, IA

Mr. Eric M. Stafford, CISRTrueNorth CompaniesCedar Rapids, IA

Ms. Kristin Mary Tolle, CISRCattail, Inc. dba Lee AgencyMuscatine, IA

Ms. Kari Van Es, CISR Prins Insurance, Inc. Sanborn, IA

Mr. Colin M. Vogt, CISRLMC Insurance & Risk Management West Des Moines, IA

Ms. Dana L. Wagner, CISRTrue North Companies Cedar Rapids, IA

Ms. Elizabeth Ann Wagner, CISRHolmes Murphy and Associates West Des Moines, IA

Ms. Kate Elizabeth Weyhrich, CISR Nationwide Insurance Des Moines, IA

Ms. Stephanie Young, CISRCSB Insurance Group Johnston, IA

National CISR StatisticsTotal Participants: 70,300Total Designated: 27,551

Iowa CISR StatisticsTotal Participants: 952Total Designated: 437CISRs Conferred Today: 34

November 2016 | Main Street Industry News | www.pianeia.com | 24

piA NewS

1st Annual Iowa CISR Elite Conferment CeremonyMs. Danielle Marie Fett, CISR Elite, AINS, CPhTPMC Advantage Insurance Services, Inc.Algona, IA

Ms. Bridget Ann Galligan, CISR ElitePMC Advantage Services, Inc.Algona, IA

Ms. Rachael M. Ibeling Dreyer, CISR EliteTrueNorth CompaniesCedar Rapids, IA

Ms. Diane K. Smith, CISR Elite, AINS, AIS, APIPMC Advantage Insurance Services, Inc.Algona, IA

Ms. Marion L. Wilkins, CISR Elite Arthur J. GallagherDavenport, IA

National CISR Elite StatisticsTotal Participants: 3,525 Total Designated: 466

Iowa CISR Elite StatisticsTotal Participants: 35Total Designated: 5CISR Elites Conferred Today: 5

9th Annual Iowa CRM Conferment CeremonyMr. Joel E. Akers, CRM, LUTCF Lamair Mulock Condon Insurance West Des Moines, IA

Mr. Thomas F. Connor, CIC, CRM, CPCU, ARM, CSP, AAI EMC Insurance Companies Des Moines, IA

Ms. Amee Freudhof, CIC, CRM, CISR Kent CorpMuscatine, IA

Mr. Ian Robert Happ, CIC, CRM, CPCU, AAI, AUKent Corp Muscatine, IA

Ms. Jacqueline K. Peters, CIC, CRM, CISR, CPSR, AFSB TrueNorth Companies, LLC Cedar Rapids, IA

Ms. Sarah M. Riniker, CIC, CRM, AAI Cottingham & Butler Dubuque, IA

National CRM StatisticsTotal Participants: 21,341Total Designated: 2,968

Iowa CRM StatisticsTotal Participants: 446Total Designated: 85CRMs Conferred Today: 6

November 2016 | Main Street Industry News |www.pianeia.com| 25

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Upcoming Events Calendar 2016

piA Ne iA eveNTS

Date Class/Webinar Where WhenNovember 2, 2016 Ethics: Taking it to the Streets NE/IA Webinar:

1:00PM - 4:00PM

November 3, 2016 **NEW** And the CHAOS Continues NE/IA Webinar:12:00PM - 3:00PM

November 4, 2016 **NEW** Man Vs. Machine NE/IA Webinar:8:00AM - 11:00AM

November 8, 2016 **NEW** Executive & Management Liability NE/IA Webinar:12:00PM - 3:00PM

November 10, 2016 Social Networking: OMG or E&O? (NE) NE Webinar:12:00PM - 3:00PM

November 10, 2016 CISR: Personal Lines Miscellaneous Cedar Rapids Kirkwood CE Center

November 10, 2016 Social Networking: OMG or E&O? Iowa Webinar:12:00PM - 3:00PM

November 15, 2016 What We Learned: Claim and Coverage Issues from Catastrophes NE/IA Webinar:

12:00PM - 3:00PM

November 15, 2016 CISR: Dynamics of Service Des Moines Hilton Garden Inn Des Moines/Urbandale

November 16 - 18, 2016 CIC: Commercial Property Institute West Des Moines Holiday Inn Hotel & Suites

November 16, 2016 **NEW** Managing E&O in a 24/7 World NE/IA Webinar:12:00PM - 3:00PM

November 17, 2016 Personal Lines Complications: Because Simple is just too darn Easy NE/IA Webinar:

1:00PM - 4:00PM

December 1, 2016 **NEW** Regarding Ethics (NE) NE/IA Webinar:1:00PM - 4:00PM

December 6, 2016 **NEW** Top 12 Coverage Countdown NE/IA Webinar:12:00PM - 3:00PM

December 7, 2016 **NEW** How to be the Agent Advocate at Claim Time NE/IA Webinar:

1:00PM - 4:00PM

December 8, 2016 Words Mean Things & Insurance is a Foreign Language NE/IA Webinar:

12:00PM - 3:00PM

December 12, 2016 Food Borne Illness & Insurance Coverage NE/IA Webinar:12:00PM - 3:00PM

December 13, 2016 Get in the Ring: A Look at Property Claims, Fights & Decisions NE/IA Webinar:

8:00AM - 11:00AM

November 2016 | Main Street Industry News |www.pianeia.com| 27

piA Ne iA eveNTS

December 20, 2016 **NEW** Leases & Contracts Vs. The Insurance Policy NE/IA Webinar:

8:00AM - 11:00AM

February 9, 2017 CISR: Personal Lines Miscellaneous Des Moines Hilton Garden Inn Des Moines/Urbandale

February 22-24, 2017 CIC: Agency Management Institute West Des Moines Holiday Inn Hotel & Suites

February 23, 2017 CISR: Commercial Casualty 1 Davenport Saint Ambrose University

March 9, 2017 CISR: Insuring Personal Residential Property Hiawatha Kirkwood Linn Regional Center

March 15-17, 2017 CIC: Commercial Property Institute Omaha Hilton Double Tree Omaha SouthWest

March 22, 2017 CISR: Elements of Risk Management Des Moines Hilton Garden Inn Des Moines/Urbandale

April 5, 2017 CISR: Insuring Personal Auto Exposures Davenport Saint Ambrose University

April 5-8, 2017 Federal Legislative Summit & Governance Meetings

Washington DC

Crystal City Marriott, Arlington, VA

April 12, 2017 CISR: Insuring Commercial Property Hiawatha Kirkwood Linn Regional Center

April 19, 2017 CISR: Commercial Casualty 2 Des Moines Hilton Garden Inn Des Moines/Urbandale

April 19-21, 2017 CIC: Commercial Property Institute Cedar Rapids Cedar Rapids Marriott

April 25-26, 2017 Ruble: Graduate Seminar Omaha Embassy Suites Omaha - La Vista

May 11, 2017 CISR: Insuring Personal Residential Property Des Moines Hilton Garden Inn Des Moines/Urbandale

May 17-19, 2017 CIC: Agency Management Institute Lincoln Marriott Courtyard/Haymarket

May 24, 2017 CISR: Personal Lines Miscellaneous Hiawatha Kirkwood Linn Regional Center

June 6-7, 2017 PIA Annual Convention Nebraska City, NE

Lied Lodge, Nebraska City

June 13, 2017 CISR: Insuring Commercial Property Davenport Saint Ambrose University

June 14-16, 2017 CIC: Commercial Multi Line Institute West Des Moines Holiday Inn Hotel & Suites

June 22, 2017 CISR: Commercial Casualty 1 Des Moines Hilton Garden Inn Des Moines/Urbandale

July 11, 2017 CISR: Commercial Casualty 1 Hiawatha Kirkwood Linn Regional Center

July 18, 2017 CISR: William T. Hold: Advanced Learning Seminar Des Moines Hilton Garden Inn Des Moines/Urbandale

July 19-21, 2017 CIC: Commercial Casualty Institute Omaha Hilton Double Tree Omaha SouthWest

November 2016 | Main Street Industry News | www.pianeia.com | 28

July 25-26, 2017 Ruble: Graduate Seminar West Des Moines Holiday Inn Hotel & Suites

August 8, 2017 CISR: Insuring Personal Auto Exposures Des Moines Hilton Garden Inn Des Moines/Urbandale

August 22, 2017 CISR: Insuring Personal Residential Property Davenport Saint Ambrose University

August 23-25, 2017 CIC: Personal Lines Institute Cedar Rapids Cedar Rapids Marriott

August 24, 2017 Greater Omaha Committee Scholarship Golf Outing Ashland Iron Horse Golf Club

September 13, 2017 CISR: Agency Operations Hiawatha Kirkwood Linn Regional Center

September 13-16, 2017 Fall Governance Meetings Minneapolis, MN

Marquette Hotel, Minneapolis, MN

September 19, 2017 CISR: Dynamics of Service Des Moines Hilton Garden Inn Des Moines/Urbandale

September 20-22, 2017 CIC: Commercial Multi Line Institute Lincoln Marriott Courtyard/Haymarket

October 11-13, 2017 CIC: Commercial Casualty Institute West Des Moines Holiday Inn Hotel & Suites

October 18, 2017 CISR: Agency Operations Des Moines Hilton Garden Inn Des Moines/Urbandale

October 26, 2017 CISR: Personal Lines Miscellaneous Davenport Saint Ambrose University

November 9, 2017 CISR: Commercial Casualty 2 Hiawatha Kirkwood Linn Regional Center

November 14, 2017 CISR: Insuring Commercial Property Des Moines Hilton Garden Inn Des Moines/Urbandale

November 15-17, 2017 CIC: Life & Health Institute Omaha Hilton Double Tree Omaha SouthWest

piA Ne iA eveNTS

Post a classified ad!Your ad will stand out! Main Street Industry News is issued electronically to over 8,000 Professional Insurance Agents throughout NE & IA, PIA state and national associations and other organizations that provide products or services to insurance agencies.

To advertise contact PIA of Nebraska and Iowa – Executive Director, Cathy Klasi at (402) 392-1611.

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