the ct independent agent - may edition

The Connecticut Independent Agent

May 2011


This Issuersquos Features

The E amp O Corner - Use of the New Certificate of Insurance in Connecticut And CID Bulletin S-14 Dated November 9 2010 03

Spencer Houldin Elected to IIABA Executive Committee 05

IIAC Officers and Executive Committee Meet with the Connecticut Congressional Delegation 05

Personal Guarantees and Business Loans A Primer for Agents to Better Advise Their Clients 06

1099 Repeal Bill Signed Into Law 07

IIABA Virtual University Provides Consumer Articles 08

RLI Makes Access Easier 09

Agency Owners Have You Analyzed Your Cash Lately 09

Annual Membership Meeting and Installation of Officers 10

Spring Conference 12

In Every Issue

May and June Continuing Education Courses 13

Events 15

Big ldquoIrdquo Advantage Programs 16

2010 - 2011 Officers 18

Committees 18

About Us 19

Associate Member Index

Associate Members - Insurance Brokers amp Services 20

Associate Members - Insurance Companies 22

ldquoThe Connecticut Independent Agent

is the official publication of the Independent Insurance Agents of Connecticut

30 Jordan Lane Wethersfield CT 06109 Phone (860) 563-1950 Fax (860) 257-9981

wwwiiactorg

Warren C Ruppar President

Tracy Hearn Office Manager Event Planner

Ed Meaney CPCU Education Director

Laura Szatkowski EampO Program Administrator

Rosemary Mullaly

Lawyersrsquo Liability Program RLI

This publication is intended to provide accurate and authoritative information on the subject matter covered It is dis-tributed with the understanding that nei-ther IIAC nor any contributing author publisher or contributor is rendering le-gal accounting or any other professional service and assume no liability whatso-ever in connection with its use Further the electronic links to our associate mem-bership found in this publication are pro-vided as a courtesy to our readers and do not necessarily indicate an endorsement by IIAC News items will be accepted printed at the discretion of the IIAC No paid advertisements are accepted in this publication Please contact Warren Ruppar for further information

IIAC Staff

Independent Agents Services Staff

Independent Insurance Agents of Connecticut - wwwiiactorg - May 2011 Page 3

In the last year there have been significant changes made by ACORD to the Certificate of Liability Insurance In addi-tion the Connecticut Insurance Department (ldquoCIDrdquo) issued CID Bulletin S-14 on November 9 2010 which covers the CIDrsquos position on the use of Certificates of Insurance While these issues will be addressed in depth at the upcoming EampO Loss Control Techniques Seminar on May 5 2011 and the Spring Conference on May 12 2011 we believe that there are some important issues which should be ad-dressed in advance of the upcoming seminar and confer-ence Every agency or brokerage should confirm that they are using the most current ACORD form which is ACORD 25 (201005) When reviewing this form you will note that ACORD has taken it from two pages to one page while still maintaining the needed disclaimers The new form has also added language as to how additional insureds can be added to the policy along with how subrogation waivers should be included ACORD also has added certification language to the new form and put a place holder in for the ldquoCERTIFICATE NUMBERrdquo and ldquoREVISION NUMBERrdquo They moved the Additional Insured column in the ldquoCOVERAGErdquo section from the left side of the lsquoTYPE OF INSURANCErdquo to the right side and added a column on the right side to indi-cate which policies provide subrogation waiver The last major change made was to the ldquoCANCELLATIONrdquo section where they removed the ldquoendeavor languagerdquo and added that ldquoCANCELLATION WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONSrdquo All these changes will have an impact on how your agency will handle Certificates of Insurance going forward In addition to the major changes in the Certificate of Insur-ance form itself the Connecticut Insurance Department issued CID Bulletin S-14 on November 9 2010 This Bulletin was issued with the assistance of the Independent Insur-

ance Agents of Connecticut and outlined ldquothe proper use of Certificates of Insurancerdquo First the Bulletin confirms that a certificate only provides a ldquosnapshot of the insuredrsquos coverage as of the day of issuerdquo There are many who receive the certificates that attempt to claim that it not only provides a snapshot of coverage on the day issued but also provides a summary of insurance that will be in place until the expiration of the coverage identified and summarized on the certificate As we are well-aware coverages summarized on a certificate can change immediately after the certificate is issued for rea-sons such as the policyholders fails to pay the premium or the insurer sends a cancellation notice because of a change in exposure or even the insured decides to decrease his or her coverage With this pronouncement from the CID agents stand in a better position to respond to claims that a certificate misrepresented the coverage when the coverage actually changed after the certificate was issued Bulletin S-14 also confirmed the disclaimer language of the certificate stating that the certificate ldquoconfers no rights or benefits upon a third party certificate holder to the under-lying insurance stated in the certificaterdquo This provision while helpful can be a double edge sword for the insurance agent or or broker issuing the certificate Obviously if eve-rything is stated correctly on the certificate the certificate holder cannot claim greater coverage than that which is in the insurance policy However an issue could arise if the coverage was misstated While it would not change the coverage in the policy the insured may attempt to bring a claim against the insurance agent on a theory that the agent misrepresented the coverage Thus when complet-ing certificates of insurance your agency must ensure that the information provided accurately summarizes the cover-ages

The EampO Corner The EampO Corner is authored by James C Keidel Esq Christopher B Weldon Esq Lori A Eaton Esq and Darren Renner Esq of Keidel Weldon amp Cunningham LLP

USE OF THE NEW CERTIFICATE OF INSURANCE IN CONNECTICUT

AND CID BULLETIN S-14 DATED NOVEMBER 9 2010


Over the years we have heard complaints from insurance agents and brokers that if they do not state on the certifi-cate that which the customer requests be included even if the information they want included is inaccurate their cus-tomers will simply find an agent or broker who will be will-ing to possibly misstate the actual coverages in their poli-cies While such practice has always been improper the CID now has come out in Bulletin S-14 and commented on this exact issue Specifically the CID states

It has come to the attention of the Department that some public or commercial organizations may be requesting that contractors andor insurance producers issue certificates of insurance that evi-dence terms or conditions of coverage that may be inconsistent with the underlying insurance policy or contract The Department wishes to inform in-surance producers and all other individuals that certificates of insurance cannot be used to amend expand or alter the terms of the underlying insur-ance policy

In addition to this admonishment the CID advises that an attempt to amend modify or misrepresent coverage in a certificate of insurance is a violation of the Connecticut Un-fair Trade Practices Act Conn Gen Stat sectsect 38a-815 and 38a-816(1)(a) ldquowhich provide that it is an unfair insurance practice to make issue or circulate a statement that lsquom+isrepresents the benefits advantages conditions or terms of any insurance policyrsquordquo A violation of this these sections could lead to punitive damages being assessed against you andor your agencybrokerage The CID further advised producers that providing ldquoa certificate of insurance that misrepresents the policy terms and conditions would vio-late Connecticut Law and subject the insurance producer to penalties that may include suspension or revocation of the producer licenserdquo An insurance producer should use this Bulletin to its advan-tage in those circumstances where an insured or a certifi-cate holder demands language be placed in the certificate of insurance which is inconsistent with the policy itself For example for years insureds and certificate holders have been demanding that they are given between 10 and 30 daysrsquo notice on any cancellation To date there have been very few policies which would provide this condition and thus stating that such notice will be provided when the policy states otherwise could be considered a misrepresen-tation

While this is a broad overview of CID Bulletin S-14 and the changes in the certificate of insurance form we look for-ward to engaging in a dialogue with you at the upcoming seminars and discussing more in-depth the significance changes on the new ACORD Certificate of Liability Insurance and the implications of CID Bulletin S-14 Click here to read a copy of the State of Connecticut Insur-ance Department Bulletin S-14


On Friday April 15 2011 at the IIABA Board of Direc-tors meeting held in Washington DC IIAC State Direc-tor Spencer Houldin was elected to the IIABA Execu-tive Committee Spencer will begin his term for this new position on September 1 2011 Currently Spencer serves as Chairman of the IIABA Government Affairs Committee He has testified nu-merous times in Washington DC and has been the IIABA Trusted Choice spokesperson on several net-work news programs Most recently Spencer ap-peared on ldquoThe Willis Reportrdquo with Gerri Willis on The Fox Business News personal finance program Spencer explained how to do an annual review of your home-ownersrsquo policy and why itrsquos important in light of all the extreme weather and disasters that we have ex-perienced across the country recently Fox Business last week - httpwwwyoutubecomwatchv=XRUqRBO6k-0

On April 13 ndash 15 2011 your IIAC Officers and Executive Committee attended the 35th annual IIABA Legislative Conference in Washington DC Representing IIAC were Chairman Tom Wilson Chairman-Elect Mike Gergler CIC Treasurer Jim Suzio CIC Secretary Kim McGillicuddy CPCU State Director Spencer Houldin Past-Chairman Craig Dawley Executive Committee member Jay Byrnes CIC and President Warren Rup-par Meetings were held with members of congress and their staff on Thursday April 14 2011 Key issues that were discussed included the future role of agents in the sale of health and the need to exclude agent com-pensation from the medical loss ratio formulas Other issues that were discussed included Flood Insurance Extension and Reform Insurance Regulatory Reform and Agent License Reform (NARABII) For more information on the IIABA Where We Stand position papers click here

IIAC Officers and Executive Committee Meet with the

Connecticut Congressional Delegation

Spencer Houldin Elected to IIABA Executive Committee


May 1 2011 By Jim Coughlin Every day many small and midsized business owners find themselves in need of new funding for all kinds of good rea-sons working capital business expansion hiring and new or upgraded facilities to name a few For those without deep pockets investors or ready cash from operations this means seeking a loan But in todayrsquos tight credit market banks have become much more stringent in their business lending require-ments even for established businesses with good credit This means lenders are much more likely to ask loan appli-cants to sign a personal guarantee as a condition of ap-proval A personal guarantee or PG requires guarantors to use personal assets (such as homes investments savings ac-counts etc) to repay a loan if their business is unable While the terms may vary many personal guarantees allow the lender to go after these personal assets directly in the event of a loan default mdash even before the business assets have been liquidated Some owners may think their business structure mdash Limited Liability Corporation Subchapter S Corporation etc mdash acts as a ldquoshieldrdquo protecting their personal property by separat-ing it from their business assets However the PG is de-signed expressly to allow the lender to access personal as-sets to satisfy the debt obligations To help Connecticut agents to more effectively serve their commercial clients the Independent Insurance Agents of Connecticut (IIAC) and Asterisk Financial Inc the creator of Personal Guarantee Insurance trade (PGI) have formed a unique business partnership IIACrsquos member agents will be able to offer the PGI product to their customers as a new IIAC member benefit This new and innovative product will help IIAC member agentsrsquo commercial clients reduce their risk of losing personal assets should they default on their business loans The Personal Guarantee as Prenuptial Agreement A PG acts much like a prenuptial agreement Just as no one likes to think about divorce before they marry a guarantor signing a PG often doesnrsquot fully consider the prospect of

business failure when launching or growing the business However the reality is that both divorce and default are fairly common occurrences and this risk needs to be taken into consideration upfront Since many business owners obtain a loan sign a commer-cial lease or enter into supply agreements it is useful for agents to advise their commercial clients early on about the implications of signing a PG Otherwise many business owners could end up signing a PG without realizing the ramifications Insuring a Personal Guarantee If a PG cannot be avoided agents can help their clients ma-terially reduce their risk through insurance that protects against personal asset loss Personal guarantee insurance can cover a substantial por-tion of the net liability of the PG mdash that is what is owed on the note after the business assets have been liquidated Thus business owners and other loan guarantors can have 100 percent of a venturersquos upside potential while transfer-ring a substantial portion of the downside risk The insur-ance can also alleviate a great deal of the anxiety a client faces when hard-won assets like homes and investment accounts are exposed and retirement is at risk with a PG In todayrsquos credit market chances are that business owners will come face-to-face with a PG if they seek a new loan or an extension on an existing borrowing relationship There-fore agents should continue to be proactive in educating their clients about the implications of a PG and the avail-able options Bringing PGs into the conversation with com-mercial clients early on can help them avoid major head-aches and devastating losses down the road Who Needs Personal Guarantee Insurance While the coverage helps protect anyone with a commer-cial loan and a personal guarantee Personal Guarantee In-surance can be quite useful for managing risk for

Established business owners with a limited time to re-build and looking to protect their net worth and retire-ment

Multiple partners guaranteeing a single bank loan where different risk tolerances and personal financial situations can create significant challenges

Personal Guarantees and Business Loans A Primer for Agents to Better Advise Their Clients


Commercial real estate buyers including both owner-occupied buildings where business challenges can cre-ate issues with the real estate loan as well and inves-tors where the loan and guarantee risk frequently out-strip personal capacity to satisfy the obligation and

Businesses with non-owner guarantors such as multi-generational family businesses where the policy can be used to fully protect those no longer involved day to day

More Information Additional information on Personal Guarantee Insurance and the program with the IIAC is available on the PGI prod-uct page of the IIAC website Complete collateral and other sales materials including email campaigns are available to help agents introduce Personal Guarantee Insurance to their clients through the producer section of Asteriskrsquos website or by calling the IIAC Program Manager Angelo Tebano at (860) 704-4728 James Coughlin is Chief Underwriting Officer for Asterisk Financial Inc which provides insurance that protects against personal asset loss when a personal guarantee is called by a lender He can be reached at jamescoughlinasteriskfinancialcom


The Independent Insurance Agents amp Brokers of America praised President Barack Obama for signing HR 4 the ldquoComprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011rdquo into law

ldquoThe Big lsquoIrsquo is grateful to President Obama for signing this important bill into lawrdquo says Robert Rusbuldt Big ldquoIrdquo presi-dent and CEO ldquoIn a strong show of bipartisan cooperation the president and Congress have done the right thing by standing up for small businesses and repealing the 1099 reporting mandate Our thousands of small business mem-bers and their clients will breathe easier knowing this ill-advised provision will not take effectrdquo

The 1099 reporting mandate was originally passed last year as part of the Patient Protection and Affordable Care Act as a way to partially offset its cost It was intended to increase tax compliance by requiring businesses to file a 1099 for all business-to-business transactions for goods or services to-taling over $600 cumulatively over the tax year Repeal of this mandate enjoyed widespread bipartisan support in both legislative bodies but struggled with how to offset the lost revenue HR 4 passed the Senate April 5 2011 in an 87-12 vote and the House on March 3 2011 in a 314-112 vote ldquoWithout President Obamarsquos signature this burdensome mandate would have created a mountain of paperwork for small businesses and diverted precious resources away from business expansion and job growthrdquo says Charles Symington Big lsquoIrsquo senior vice president of government af-fairs ldquoSince the health care law was signed into law the Big lsquoIrsquo has made 1099 repeal a top legislative priority and was pleased to see these efforts and those of thousands of small business people come to fruitionrdquo

1099 REPEAL BILL SIGNED INTO LAW Big ldquoIrdquo applauds repeal of onerous

reporting requirement


Did you know that the Big ldquoIrdquo Virtual University is a great resource for consumer articles to send to your customers Members of IIAC can log into the Virtual University and access articles on numerous topics What a great way to keep in touch with your customers Below is an example of articles that are available

Consumer Article

ldquoDownloading lsquoFreersquo Music Can Be Expensiverdquo

The chances are good that someone in your household is downloading music or other types of files from iTunes or other online services It is also possible that someone is using a file sharing program to download files illegally Are the increasing numbers of lawsuits against consumers cov-ered by a homeowners policy Remember the days of curling up to the radio on a Saturday night torturing yourself through commercials and lame tunes just to be able to crank it when Mr DJ played your favorite song No longer does one require the patience to spend an entire evening anticipating the next round of ldquoLove Me Tenderrdquo or the BOCrsquos ldquoGodzillardquo File-sharing programs make an in-stant world fastermdashobtaining music and video clips with a click Popular versions like iTunes legitimize the process through pages of service agreements and per-transfer fees but every program is not so ldquoofficialrdquo Unauthorized file sharing is easy cheap (meaning free) and illegal Consider the case of BMG Music et al v Cecilia Gon-zalez In this case a federal court ruled that the illegal downloading of songs by a consumer (as in the individual doing the downloading not the entity responsible for the file-sharing platform) constituted copyright infringement The damages awarded against her totaled $22500mdashfor downloading 30 songs at $750 penalty per song Seem steep It could have been much worse The defen-dant had actually downloaded 1370 songs Federal law

permits an assessment of $30000 per song Had they cho-sen the full course of action damages against Gonzalez in this case would have resulted in over $41 million This case is proof that the federal government intends to secure the integrity of copyrights even if it means render-ing judgment against individual consumers The bad news for these consumers is that such a judgment will not be covered by homeownerrsquos insurance Personal liability afforded under a typical homeowners in-surance policy does not cover liability claims that do not involve bodily injury or property damage arising out of an ldquooccurrencerdquo Since ldquooccurrencerdquo constitutes an accident or exposure to harmful conditions it is not likely the insur-ance company will look any further to find a reason to pro-vide you with coverage (downloading that latest Spring-steen track for free was no accident) Even if you did jump that hurdle yoursquore still fighting an up-hill battle Property damage constitutes physical injury to tangible property ripping off mp3 files hardly fits the bill Even homeowners with personal injury liability (which ex-tends liability insurance to pay claims such as libel slander and violation of privacy rights) are exposed This insurance says nothing of covering claims of copyright violation nor will it cover criminal acts This information should serve as a somber reminder that households downloading illegal files are in danger of incur-ring a large out-of-pocket expense that no personal insur-ance intends to pay Parents should be especially careful in many households it is not mom or dad downloading the copyrighted music A look at the music library on many children and teenagerrsquos computers could shock you mdash they could have hundreds or thousands of songs If your chil-dren are file-sharers check their preferred sources for le-gitimacy and remind them why this is important When it comes to downloading music ldquofreerdquo can come with a big price Enjoy the tunes but proceed with caution If you have any questions about this article please call our office

wwwiiabanetvu


These days saving time is like saving money We are all trying to do more work in less time RLI un-derstands this and has made it possible for all sub-agents to directly log into RLIrsquos database RLI sub-agents can now quote policies check pay-ments view policy status and print forms Completed applications can be emailed directly to your clients for signatures and electronic payment Taking advantage of this time saving tool is as easy as 1 2 3 1 Contact Rose Mullaly at (860) 563-6510 or rmullalyiiacorg 2 Have a password assigned and receive short in-

structions on first time log-in 3 Access the RLI system Set yourself up to save some time today

One More Reason to Place You Customers Per-sonal Umbrella Policy With RLI Excess UMUIM Availability Excess UMUIM became available in Connecticut as of February 1 2011

Protection for your clients from Uninsured and Un-der Insured Motorists

$1 Million limit

New and Renewal Business Available on RLI Stand Alone Personal Umbrella amp PUP Special

Mary Grazen InsurBancrsquos Chief Operations Officer recently authored an article titled ldquoAgency Owners Have You Analyzed Your Cash Latelyrdquo The article released by National Underwriter focuses on the importance of an agency evaluating and man-aging their cash for the best return on their money Please click here to read the article To speak with Mary Grazen or one of InsurBancrsquos cash management specialists please contact InsurBanc at (866) 467-2262

Agency Owners Have You Analyzed Your Cash Lately

RLI Makes Your Access Easier

Independent Insurance Agents of Connecticut - wwwiiactorg - May 2011 0

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

113th Annual Membership Meeting and

Installation of Officers

Thursday June 16 2011 ndash 530 PM at

Saint Clements Castle 1931 Portland-Cobalt Rd

Portland Connecticut

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

Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________

Amount Enclosed ________________

Please Indicate Meal Choice

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

______ Pan Seared Salmon with a Basil Beurre Blanc

______ Tournedos of Beef with Port Wine Demi Glaze

Reservations must be received by June 2 2011

Make checks payable to and mail to IIAC

30 Jordan Lane Wethersfield CT 06109


COMPANY SPONSORSHIP FORM ANNUAL MEETING

June 16 2011 Saint Clements Castle Portland CT

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

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

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

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

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

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

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





SHOULD YOU NEED ANY ASSISTANCE PLEASE CONTACT

Tracy Hearn at 860-563-1950 or thearniiacorg

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

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


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

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

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

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

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

AGENCY ______________________________________________ POSITION IN AGENCY ____________________________

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

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

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

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

SPRING CONFERENCE Sponsored by the IIAC Young Agents Committee

4 CE Credits (LRE) Course 105096

Thursday May 12 2011 100 pm - 440 pm

Registration begins at 1230 pm

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

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

A COMPLETE ANNUAL CALENDAR CAN BE OBTAINED ON THE ldquoEDUCATIONrdquo PAGE OF OUR WEBSITE

CONNECTICUT CONTINUING EDUCATION REQUIREMENTS

All resident agents are subject to continuing education for every line of authority

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

Individual transcript information can be obtained by accessing wwwsirconcom Once on the website select ldquoFor Individual Agentsrdquo from the ldquoProducts and Servicesrdquo menu Under ldquoQuick Start for Agentsrdquo (at the top of the page) select ldquoLook Up Education Courses Creditsrdquo This will bring you to an ldquoInquiriesrdquo page Select ldquoContinuing Education Transcript Inquiryrdquo Select ldquoConnecticutrdquo from the drop-down menu Enter your license number and last name and click ldquosubmitrdquo You will now be able to view and print your transcript Please note that transcripts are only accessible using producer license numbers Social Security numbers are no longer usable

Flood Insurance Course Requirement

Sun Mon Tue Wed Thu Fri Sat

1 2 3 4 5

EampO Loss Control Techniques 830 - 430

Wethersfield CC

6 7

8 9 10 11 ACSR 12

Gov Disability amp Long Term Care

830 - 430 Wethersfield

12 Young

Agents Spring Conference 100 - 440

Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws

Regulations amp Ethics


27 28

29 30 31




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


Flood Insurance Course Requirement Newly licensed agents are required to complete a flood program course during their first compliance period


1

Ethics in Insurance

830 - 1110 Norwalk

2

Disability Insurance


3 4

5 6 7 ACSR 3

PL Related Coverages 830 - 430

Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC

Pre-Licensing 830 - 430

Wethersfield

21 22 ACSR 11

Health Insurance 830 - 430

Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B

Insurance Production 830 - 430

Wethersfield

29 30


2011 IIAC EVENTS

Spring Conference Sponsored by the IIAC Young Agents Committee

May 12 2011 Saybrook Point Inn Old Saybrook CT

Annual Dinner Meeting and Installation of Officers

June 16 2011 St Clementrsquos Castle Portland CT

22nd Annual Golf Tournament

Sponsored by the IIAC Young Agents Committee August 4 2011

Blackledge Golf Course Hebron CT

Mid-Year Convention November 10 2011

Aqua Turf Club Plantsville CT

Additional information and registration forms for the above events can be obtained by clicking on the event name above going to the ldquoEventsrdquo page of our website or by contacting Tracy Hearn at 860-563-1950 or emailing to thearniiacorg


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

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

Big ldquoIrdquo Flood Big ldquoIrdquo Advantage operates as a managing general agency and agents participate as sub-producers for the Big ldquoIrdquo Flood Pro-gram Selective Insurance Company is our provider for this NFIP Write-Your-Own program and they make writing flood insur-ance easy and profitable leaving the method of quoting up to the agent wwwindependentagentcomflood

Big ldquoIrdquo RetirementBenefits Having trouble deciding which retirement plan is right for you or your agency Big I Retirement Services is here to help you choose which plan best meets your circumstances They offer quality investments state of the art administration and the support of your association as an advocate for your agency Look to us also for Group Long Term Disability Group Short Term Disability and Group Term Life Insurance wwwindependentagentcomretirement

RLI RLIs Personal Umbrella Policy stands atop your clientrsquos existing homeowner and auto insurance to provide an extra layer of personal liability protection With RLIs PUP program auto or home coverage can be maintained with any insurance company provided the mandatory minimum underlying coverage limits are met RLIrsquos Home Business policy responds to the needs of over 100 eligible business classes on an ISO BOP form Premiums starting at $150 competitive commissions easy under-writing and a self-rating application should makes this product an easy sell wwwiiactorg - Member Resources page or call Rose Mullaly at 860-563-6510

Business Resources Enjoy group discounts for a variety of services to assist in managing your agency Caliper (employee testing) DHL (express delivery) Mines Press (printing) Big ldquoIrdquo Store (logowear) Hertz (car rental) Artizan Internet Services (Service 911 CSR 24) wwwindependentagentcom

OF ALL YOUR MEMBERSHIP HAS TO OFFER

ARE YOU TAKING

ADVANTAGE

Big ldquoIrdquo Advantage Programs


InsurBanc InsurBanc is an independent community bank founded by agents exclusively for agents You can rely on InsurBanc for custom products designed to underwrite your success like acquisition and perpetuation financing and cash management services perfectly suited to the way you do business wwwinsurbanccom

Virtual University wwwindependentagentcomvu

Research Library For those who seek a smarter way to research the VU provides access to hundreds of insurance business and technology articles written by volunteer faculty and other contributors Technical insurance articles and white papers on issues affecting todayrsquos marketplace often include links to full sample ISO forms Resources in the VU are limitless

Ask an Expert Service Sometimes you need answers to questions that cant be found in the research library To help with these just in time is-sues we have assembled a faculty of leading experts from around the country Big I Members can submit questions to our Ask an Expert service and a response is usually sent within 3-5 business days but often sooner

Online Courses The VU offers a wide variety of online classes to enhance and expand insurance technical and business skills Many designa-tion programs are also available through the Virtual University

Best Practices The Best Practices program provides member agents with meaningful performance benchmarks and business strategies that can be adapted to improve the performance of your agency thus enhancing agency value

Trusted Choicereg

In a world full of millions of media messages each day differentiating the services of independent agents and brokers to con-sumers is critical Trusted Choicereg the national consumer branding program sponsored by the Big ldquoIrdquo uniting more than 10000 independent agency locations and 53 insurance companies Based on extensive consumer and industry research Trusted Choicereg highlights the value of the independent agent distribution channel choice customization and advocacy wwwtrustedchoicecom

Governmental Affairs The Big ldquoIrdquo is your advocate on the issues that matter to your success whether the issues occur in state legislatures Washing-ton DC your state insurance department the NAIC or the judicial system Through common-sense pragmatic legislative initiatives we seek to protect your business while keeping the consumer in mind


ARE YOU TAKING

ADVANTAGE



IIAC Committees The Independent Insurance Agents of Connecticut has several committees which are dedicated to furthering both the benefits of membership and the professionalism of individuals within the insurance industry Committee mem-bers are volunteers who are either an owner or an employee of a member agency IIAC is always looking for new individuals to serve on its committees If you are interested in becoming a committee member please complete the information below and return this form to IIAC 30 Jordan Lane Wethersfield CT 06109 or email to the committee staff liaison

Name ___________________________________________________________________________________

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

Indicate Committee ________________________________________________________________________

Education Committee ndash members help create IIAC programs and locate teachers and resources Staff Liaison Ed Meaney emeaneyiiacorg Executive Committee ndash members must be a principal in an IIAC member agency and are part of the governing body of the association Membership on the committee is limited and must be voted upon by the Board of Direc-tors Staff Liaison Warren C Ruppar wruppariiacorg Technical Committee ndash members analyze current industry topics and issues make recommendations on how to handle and funnel information to the Education Committee to create programs Staff Liaison Ed Meaney emeaneyiiacorg Young Agents Committee ndash members create networking programs to promote young professionals in the insur-ance industry Staff Liaison Tracy Hearn thearniiacorg

2010 - 2011 Officers

Chairman Tom Wilson

The Wilson Agency Shelton

Chairman-Elect Michael Gergler CIC

Wilcox amp Reynolds Storrs

Treasurer Jim Suzio CIC

Suzio Insurance Center Inc Meriden

Secretary Kim McGillicuddy CPCU

Pierson amp Smith Inc Norwalk

State Director Spencer Houldin

Ericson Insurance Services Washington Depot


WHO ARE THE INDEPENDENT INSURANCE AGENTS OF CONNECTICUT

The Independent Insurance Agents of Connecticut was founded in 1899 as the Connecticut Association of Local Fire Insurance Agents The organizationrsquos name was changed in 1913 to the Connecticut Association of Insur-ance Agents This name was considered more representative of the membership due to the expansion of the property-casualty business coverages and the increased presence of casualty and surety agents In 1975 the or-ganization became The Independent Insurance Agents of Connecticut to emphasize its members abilities to work with a variety of insurance companies and industry representatives The Independent Insurance Agents of Connecticut has always been in the lead on important issues for agents The list is long as IIAC has worked with regulators and the insurance industry on important issues such as agent licensing anti-rebate laws ownership of expirations banking and insurance and agent compensation to name a few Today IIAC offers a wide variety of products and services to its members The education calendar offers a full assortment of choices for licensing continuing education and advanced degree programs In addition IIAC of-fers several insurance programs for our members that can be purchased to protect their agency business and in-surance products that members can sell to their customers IIAC also offers technical and regulatory assistant to our members Technical advice is available at the staff level and through the Virtual University where you can ldquoAsk The Expertrdquo In addition IIAC meets regularly with the Insurance Commissioner and department staff to discuss current market conditions and consumers issues IIAC is a strong advocate for independent agents at our state capital and in Washington DC Whatever the issue may be IIAC is the voice for independent agents as we represent the interests of our membership Our national association IIABA is a predominant lobbying force in Washington and is constantly ranked among the top 10 of all the lobbying groups in the United States The Big ldquoIrdquo mission succinctly captures our purpose ldquoto provide independent agents with a sustainable competitive advantagerdquo To accomplish that IIAC is the unrelenting ad-vocate on the issues that shape the environment in which our membership conducts business IIAC is the voice in the halls of Congress the state capital and in boardrooms across the nation

INSURPAC

InsurPac is the Political Action Committee (PAC) of the Independent Insurance Agents amp Brokers of America (IIABA) It represents the unified political voice of IIABAs 23000 member agencies and 300000 agents and brokers nationwide It is the largest property-casualty insurance industry PAC in the country and is one of the primary reasons the Big I is rou-tinely rated among the most successful lobbying groups in Washington DC

Lobbying and a well-funded PAC go hand-in-hand says Charles Symington IIABAs Senior Vice President of Government Affairs InsurPacs voice resonates through the halls of Congress on behalf of the Big I Every elected official knows that a contribution from InsurPac is a contribution from 23000 small business owners

InsurPac raises funds by asking for voluntary personal contributions from independent agents and brokers throughout the country By pooling money together InsurPac helps elect candidates and re-elect members of the US Congress who share IIABAs business philosophy

This concept of pooling personal contributions together for the greater good is essential to understanding the importance of PACs As an individual you can make the average contribution of $200 to a Congressman or you can invest that $200 in a PAC which in turn combines that with 9 other donors and gives the same Congressman $2000 At the end of the day PACs are able to speak with a collective voice that is much louder than that of an individual It is impossible to overvalue the power of a collective voice -- of a collective InsurPac speaking on behalf of the Independent Agency system


Absolute Logic 917-658-9008

wwwabsolutelogiccom

ACE Private Risk Services 860-828-7931

wwwaceprivateriskservicescom

Agility Recovery 704-341-8700

wwwagilityrecoverycom

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

Auto Glass of New England LLC 203-375-4700

wwwautoglassofnewenglandcom

Broadway Premium Financing 800-728-7255

wwwbroadwaypremiumcom

CATIC Exchange Solutions Inc 860-513-3131

wwwcaticexchangecom

Connecticut Interlocal Risk Management Agency 203-498-3000

wwwccm-ctorginsurance

Connecticut Underwriters Inc 860-347-9600

wwwctunderwriterscom

Crystal Restoration Services 203-853-4179

wwwcrystal1com

Paul Davis Restoration 860-539-0911

wwwpdrestorationcom

Demetriou General Agency Inc 212-897-6912

wwwdemetriougroupcom

Gill and Roeser Holdings Inc 212-972-3306

wwwgrholdingscom

Glass America 860-444-6344

wwwglassusacom

HSB Associates Inc 860-722-5539 wwwhsbcom

Insurance Agency Accounting amp Bookkeeping 860-614-7268

wwwbrendadicarlollccom

Insurance Engineering Solutions 860-429-5156

wwwinsuranceengineeringsolutionscom

InsurBanc 866-467-2262

wwwinsurbanccom

Iroquois of Connecticut Inc 860-621-8412

wwwiroquoisctcom

Kapura Cleaning amp Restoration 860-747-2100

wwwkapurarestorationcom

Joseph Krar amp Associates 860-628-3967

wwwjkrarcom

JP Maguire Assoc Inc 800-233-8220

wwwjpmaguirecom

Anthony Martini amp Company Inc 203-445-6640

wwwthatsmybrokercom

McGrath Insurance Group Inc 508-347-6850

wwwmcgrathinsurancecom

ASSOCIATE MEMBER - INSURANCE BROKERS AND SERVICES (Click on the Associate Members website for a direct link)

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits please visit the ldquoJoinrdquo page of our website or

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


Maynard Insurance Group 203-318-0008

maynardinsgrpyahoocom

Mergers amp Acquisition Services 212-750-0630

wwwmerger-acquisitionnet

Oakbridge Insurance Services

860-906-0120 wwwoakbridgeinscom

Premium Assignment Corp 603-421-1953

wwwpremiumassignmentcom

JN Phillips Auto Glass 781-939-3400

www877autoglasscom

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

wwwpro-kleancom

PuroClean Mitigation Services 860-516-8083

httpms-ctpurocleancom

Renaissance Group Inc 860-307-2957

wwwrenaissanceinscom

Robert Hensley amp Associates 860-678-1090

wwwhensleyasociatescom

Servicemaster QRV Regional Group 203-386-1565

wwwservicemastergbcom

ServiceMaster by Wills 860-447-3265

wwwservicemasterbymasoncom

SERVPRO Cleaning and Restoration of New Haven Waterbury amp Naugatuck Valley

1-800-243-8812 wwwservproofnewhavencom

SERVPRO of Manchester-Bolton 860-649-0836

wwwservproofwesthartfordcom

Steamatic of CT 203-985-8000

wwwsteamaticctcom

Target Insurance Services 860-284-0088

wwwtarget-capitalcom

Thompson Agency Inc 860-693-4999

wwwthompsonagencynet

Travel Insured International Inc 860-528-7663

wwwtravelinsuredcom

United Cleaning amp Restoration LLC 800-835-0740

wwwunitedcrcom

XS Brokers Insurance Agency Inc 617-471-7171

wwwxsbrokerscom





Acadia Insurance Company 860-331-2391

wwwacadiainsurancecom

American Commerce Insurance Company A MAPFRE Company

800-922-8276 wwwacilinkcom

The Andover Companies 860-257-7286

wwwandovercocom

Chubb amp Son Insurance 203-782-4115

wwwchubbcom

C N A Insurance 860-513-6460

wwwcnacentralcom

Connecticut Fair Plan 860-528-9546

wwwctfairplancom

FirstComp 888-500-3344

wwwfirstcompcom

General Casualty Insurance 860-570-0802

wwwgeneralcasualtycom

Great NY Mutual Insurance Company 860-652-7090 wwwgnycom

Harleysville Worcester Insurance Company 800-225-7387

wwwharleysvillegroupcom

The Hartford 860-409-6150

wwwthehartfordcom

HCC Global Financial Products 860-674-1900

wwwhcc-globalcom

The Hingham Group 781-749-0841

wwwhinghammutualcom

Kemper A Unitrin Business 203-775-5846

wwwekempercom

MetLife Auto amp Home 860-668-2699

wwwmetlifecom

MiddleOak

860-638-5132 wwwmiddleoakcom

NLC Insurance Company 860-887-3553

wwwnlcinsurancecom

Ohio Mutual Insurance 419-563-0959

wwwomigcom

Peerless Insurance 860-571-2201

wwwpeerless-inscom

Pennsylvania Millers Ins Co 860-677-8488

wwwpennmillerscom

PMA Insurance 203-379-3825

wwwpmagroupcom

Progressive Insurance Company 800-274-4055

wwwprogressiveagentcom

Safeco Insurance 603-358-4156

wwwsafecocom

Seacoast Brokers LLC 843-341-1600

wwwseacoastbrokerscom

State Auto Insurance Companies 860-633-4678

wwwstateautocom

Utica National Insurance Group 800-695-1914

wwwuticanationalcom

ASSOCIATE MEMBER - INSURANCE COMPANIES (Click on the Associate Members website for a direct link)

For information on how to become an Associate Member of the Independent Insurance Agents of Connecticut and a complete list of benefits please visit the ldquoJoinrdquo page of our website or contact

Rose Mullaly at 860-563-1950 or email rmullalyiiacorg


This Issuersquos Features

The E amp O Corner - Use of the New Certificate of Insurance in Connecticut And CID Bulletin S-14 Dated November 9 2010 03

Spencer Houldin Elected to IIABA Executive Committee 05

IIAC Officers and Executive Committee Meet with the Connecticut Congressional Delegation 05

Personal Guarantees and Business Loans A Primer for Agents to Better Advise Their Clients 06

1099 Repeal Bill Signed Into Law 07

IIABA Virtual University Provides Consumer Articles 08

RLI Makes Access Easier 09

Agency Owners Have You Analyzed Your Cash Lately 09

Annual Membership Meeting and Installation of Officers 10

Spring Conference 12

In Every Issue

May and June Continuing Education Courses 13

Events 15

Big ldquoIrdquo Advantage Programs 16

2010 - 2011 Officers 18

Committees 18

About Us 19

Associate Member Index

Associate Members - Insurance Brokers amp Services 20

Associate Members - Insurance Companies 22

ldquoThe Connecticut Independent Agent

is the official publication of the Independent Insurance Agents of Connecticut

30 Jordan Lane Wethersfield CT 06109 Phone (860) 563-1950 Fax (860) 257-9981

wwwiiactorg

Warren C Ruppar President

Tracy Hearn Office Manager Event Planner

Ed Meaney CPCU Education Director

Laura Szatkowski EampO Program Administrator

Rosemary Mullaly

Lawyersrsquo Liability Program RLI

This publication is intended to provide accurate and authoritative information on the subject matter covered It is dis-tributed with the understanding that nei-ther IIAC nor any contributing author publisher or contributor is rendering le-gal accounting or any other professional service and assume no liability whatso-ever in connection with its use Further the electronic links to our associate mem-bership found in this publication are pro-vided as a courtesy to our readers and do not necessarily indicate an endorsement by IIAC News items will be accepted printed at the discretion of the IIAC No paid advertisements are accepted in this publication Please contact Warren Ruppar for further information

IIAC Staff

Independent Agents Services Staff




































Consumer Article




wwwiiabanetvu






$1 Million limit













Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________



















































1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11 ACSR 12



12 Young


Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31








1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC





Independent Insurance Agents of Connecticut - wwwiiactorg - May 2011 0


wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




Independent Insurance Agents of Connecticut - wwwiiactorg - May 2011



































Consumer Article




wwwiiabanetvu






$1 Million limit













Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________



















































1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11 ACSR 12



12 Young


Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31








1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom

































Consumer Article




wwwiiabanetvu






$1 Million limit













Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________



















































1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11 ACSR 12



12 Young


Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31








1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom









$1 Million limit













Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________



















































1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11 ACSR 12



12 Young


Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31








1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom












Name(s) _________________________________________________________________________________________________

Agency Company _______________________________________________________________________________________

Address _________________________________________________________________________________________________



















































1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11 ACSR 12



12 Young


Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31








1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom














































1 2 3 4 5


Wethersfield CC

6 7

8 9 10 11 ACSR 12



12 Young


Old Saybrook

13 AAI 83A

Agency Management


14

15 16 17 18 19 20 21

22 23 24 25 26 Laws



27 28

29 30 31








1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











1

Ethics in Insurance

830 - 1110 Norwalk

2



3 4

5 6 7 ACSR 3


Wethersfield

8 9 10 11

12 13 14 15 16 17 18

19 20 PampC


Wethersfield

21 22 ACSR 11


Wethersfield

23 24 PampC


Wethersfield

25

26 27 PampC


Wethersfield

28 AAI 83B


Wethersfield

29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom





2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom












ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom







INSURPAC







wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






wwwabsolutelogiccom











wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom




wwwgrholdingscom


wwwglassusacom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom
















www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom














www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom










wwwandovercocom


wwwchubbcom


wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom







wwwthehartfordcom


wwwhcc-globalcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom

MiddleOak



wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




the ct independent agent - may edition

Documents

connecticut independent

new certificate of insurance

iiac officers

current acord form

official publication

new form

cid bulletin s

neither iiac