The Connecticut Independent Agent

The Connecticut Independent Agent

March 2011

New Look

Same Values


This Issuersquos Features A New Look Same Values Association Adopts New Logo 03

10 Things You Should Know About Personal Guarantees Asterisk Financial 05

Spring Conference Program 07

IIAC Monthly Bulletin Review An Interview with CT Attorney George Jepsen 08

IIAC Testimony Review 10

Speaker of the House John Boehner to Address The Big ldquoIrdquo 14

Errors amp Omission Loss Control Techniques 15

In Every Issue March and April Continuing Education Courses 16

Events 18

Big ldquoIrdquo Advantage Programs 19

2010 - 2011 Officers 21

Committees 21

About Us 22

Associate Member Index

Associate Members - Insurance Brokers amp Services 23

Associate Members - Insurance Companies 25

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 - February 2011 Page 3

A New Look Same Values Association Adopts New Logo

The Independent Insurance Agents amp Brokers of America Board of Directors recently voted overwhelmingly to update the Big ldquoIrdquo logo The current Big ldquoIrdquo logo will be replaced with the new logo which is a dynamic swoosh depicting an eagle in motion as it swoops around and over the words ldquoIndependent Insurance Agentrdquo with the tagline ldquoThe Trusted Choiceregrdquo underneath the swoosh The new logo is the ninth since the association began in 1896 as the National Association of Local Fire Insurance Agents The first logo was created soon after the association was formed and consisted of a circle with the letters ldquoNALFIArdquo in the middle In 1903 the first eagle with wings spread appeared as our logo and it has been there ever since As the association has evolved into the National Association of Insurance Agents and later into the Independent Insurance Agents of America and finally into the Independent Insurance Agents amp Brokers of America our logo evolved as well In 1956 the first Big ldquoIrdquo logo was created with an eagle perched atop a Big ldquoIrdquo with the words ldquoYour Independent Insurance Agentrdquo and the tagline ldquoServes You Firstrdquo surrounding the eagle atop the Big ldquoIrdquo Interestingly that logo was used for only one year however the eagle has remained over the Big ldquoIrdquo in every logo revision since that time

Why is there a new logo A new logo which replaces the previous redblack oval IIA logo has been developed to allow the association to brand more closely with the current Trusted Choicereg logo The original Trusted Choicereg logo was also enhanced with a tagline under-neath that reads ldquoIndependent Insurance Agentrdquo The Big ldquoIrdquo logo is designed to represent the association as an entity and the Trusted Choicereg logo is designed to brand independent insurance agents to consumers

When does the logo change take effect The logo changes are effective immediately IIAC and IIABA will begin to use the new logo in our materials and marketing ef-forts However member agencies do have time to make the transition to the new logo As you run out of business cards office stationery brochures etc you are asked to replace those with the new logo Office signage and websites will also need to be updated with the new logo as well Please note that on September 1 2011 all IIAC member agencies will become Trusted Choicereg agencies If you are currently a Trusted Choicereg member you may continue to use the Trusted Choicereg logos If you have not previ-ously joined Trusted Choicereg you may start to use the Trusted Choicereg logo on September 1 2011 There will not be an addi-tional fee for this all inclusive membership as there has been in the past and we encourage you to learn more about Trusted Choicereg by going to wwwtrustedchoicecom


Where do I get copies of the new logos Member agencies can download the new logos in a variety of file formats and colors (two-color one-color black-white etc) Please click on the link below to find the logos as well as guidelines for the proper ways to use the logo within your agency It is very important that you carefully read and adhere to these logo usage rules as they are necessary to ensure consistency in branding and trademark protection of the logos The rules will guide you through the requirements to assure consistent and permissible use of the Big ldquoIrdquo and Trusted Choicereg logos for the best branding value and use in a manner to enable the Big ldquoIrdquo to be able to appropriately protect the logos trademarks such as from misuse infringement and dilution There are visual examples to demonstrate how the logos can be used as well

Download New IIA and Trusted Choicereg Logos Here You will need your IIABA ID and Password to log in to this member-only page If you do not know your login please email logoniiabanet or contact Tracy Hearn at thearniiacorg or 860-563-1950 Readers of the online magazine can download the logos by going to wwwiiabanet ndash hover your cursor over ldquoMember Re-sourcesrdquo and click on ldquologordquo in the sub-menu


10 Things You Should Know About Personal Guarantees

In todayrsquos tight credit markets more and more banks require personal guaran-tees from applicants for business loans These personal guarantees are just like they sound ndash they are a personal promise to pay the business loan This promise allows the bank to pursue the guarantorrsquos personal assets as an alternative source of repayment for the business loan At stake are all the assets a business owner has worked hard for years to accumulate including their house savings ac-counts second home boat cars etc ndash basically everything they own There are a lot of misconceptions about personal guarantees Here are 10 key points to help your client understand what a personal guarantee is and how it works

1 What is a guarantor

A guarantor is anyone who signs a personal guarantee pledging personally to repay someone elsersquos obligation This pledge can be secured or unsecured

2 When does a personal guarantee go into effect

A guarantee is in effect once a guarantor signs the agreement with the lender and remains in effect until the loan is repaid or the lender releases the guarantee

3 Who is required to sign a personal guarantee

Typically a guarantor is an individual or entity with a relationship to the business borrowing money This can include but is not limited to the owners of the business or real estate their spouses and other family members as well as re-lated corporate entities

4 What does ldquojoint and several liabilityrdquo mean

This clause found in many personal guarantee agreements means a lender can pursue any one of the guarantors for the entire amount of the obligation In other words each guarantor is at risk for the full amount of the loan If a lender seeks repayment from only one guarantor that person then would have to pursue repayment from the other partners

5 What if a business is incorporated Doesnrsquot that protect the business owner guarantor from a bankrsquos abil-ity to pursue personal assets

No If a business owner signed a personal guarantee then the bank can absolutely pursue personal assets in order to repay the loan

6 Does filing for business bankruptcy prevent a lender from pursuing personal assets

No The lender may still be able to seek personal assets subject to a bankruptcy filing

7 What about spouses How are they impacted

If the guarantor is married their spouse also may have signed a personal guarantee In that case should the business fail jointly owned possessions are on the line for the debt as well as the spousersquos assets and income If the spouse did not sign a personal guarantee their individually owned assets are not impacted however any jointly owned assets may be subject to legal actions taken by the bank


8 What are the options for limiting risk concerning a personal guarantee

A guarantor can (1) decide not to take out the loan and remove any risk regarding a personal guarantee (2) find a credit worthy individual acceptable to the lender to also guarantee the loan (there is usually a fee for this and doesnrsquot remove the guarantor from the obligation) (3) put some type of limit on the guarantee (eg place a cap on the guaran-tee that is less than the loan amount) or (4) sign the guarantee and then purchase Personal Guarantee Insurance

9 Are business owners concerned about the potential impact when a personal guarantee is called

Yes According to independent research commissioned by Asterisk Financial Group 75 of business owners with per-sonal guarantees have calculated the personal financial cost if it was called by their lender This means that most busi-ness owners have tried to determine what the impact on their lifestyle would be in this worst-case scenario To help guarantors calculate the value of their business assets Asterisk designed the Asset Liquidation Calculator Business owners and guarantors simply input readily available data and view a range of discounted values for ordinary and forced liquidation scenarios To view this calculator visit us at wwwpersonalguaranteecom

10 What if the guarantor has exited the business Are they still liable for the personal guarantee

Yes The guarantee agreement remains enforceable until the obligation has been fully repaid or the bank releases a guarantor Typically the bank only releases a guarantor when the loan is paid off even if theyrsquove moved on

Personal Guarantee Insurancetrade - A new option for IIAC members and their clients

To give guarantors some well-earned peace of mind Asterisk and AmTrust Financial Group created Personal Guarantee In-surance The insurance will cover up to 70 of all guarantorsrsquo net liability to a lender if the underlying business should be unable to repay its bank loan subject to the specific terms and conditions of the policy IIAC and Asterisk Financial Inc 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 can help your commercial clients reduce their risk of losing personal assets due to a personal guarantee With the introduction of Personal Guarantee Insurance your clients can preserve their assets and continue to pursue success

WEBINAR AVAILABLE

To learn more join us for our new training webinar ldquoPersonal Guarantees and Personal Guarantee Insurancerdquo on March 8th 2011 ndash 10AM EST This webinar is free for all IIAC members register today

During this one-hour live webinar you will get to speak with representatives from Asterisk Financial and learn

The ins and outs of personal guarantees and Personal Guarantee Insurance How Personal Guarantee Insurance Works Who is best suited for Personal Guarantee Insurance The process by which you can sell PGI to your qualified clients through IIAC and An Asterisk sponsored incentive program featuring gift cards and iPads


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


George Jepsen of Ridgefield was sworn in as Connecticut Attorney General on January 5 2011 On Janu-ary 26 IIAC President Warren Ruppar visited the Attorney General at his state office on Elm Street and sat down for the following questions and answers 1 Connecticut obviously has a rich history with the insurance industry Do you see this continuing or

are those days behind us AG The best days are ahead The insurance industry has been a vital part of Connecticutrsquos past and will

continue to be a solid base on which the state builds its economy The industry is a large and impor-tant employer for Connecticut residents and it provides essential services that benefit individuals and businesses worldwide

2 What are your thoughts on the state of Connecticutrsquos insurance industry AG The difficult economic times of the last two years have affected every industry because the opportunity for business

growth has been diminished When times are tough people look for ways to cut spending and insurance premiums may be one area where they try to economize Unfortunately it may be a costly decision if health or property emergencies arise People buying less insurance hurt small businesses such as independent insurance agents and the insurers themselves Companies have had to make strategic business decisions such as closing facilities reassigning workers and in some cases laying off workers Some of the largest insurance companies in the world are headquartered here and they are in a position to grow as the national economy improves

3 As Attorney General what do you see as your role as it pertains to business AG The Office of Attorney General has many responsibilities and duties to protect the

people of Connecticut and the broader public interest of the state We act as counsel to state agencies that license regulate and oversee many different businesses and business practices from small non-profits to large publicly traded utility and insur-ance companies My job is to make sure that businesses operating in Connecticut play by the rules and that the rules are fair ndash both to businesses and consumers I see the role of Attorney General as patrolling the boundaries of business activity to make sure that business stays on the right side of the law The Attorney General is also an advocate before the General Assembly for changes that need to be made in state law For example I will be asking the General Assembly for enabling legislation that would author-ize the Attorney General to enforce the consumer protection measures in financial services that were passed by Con-gress in the Dodd-Franks bill last year

4 Letrsquos talk about your new job for a moment ndash what are your priorities as Connecticutrsquos newest Attorney General

for the next four years AG Creating jobs getting people back to work and putting Connecticutrsquos economy back on track are the biggest challenges

facing the state and they are my first priority as Attorney General To create more jobs Connecticut needs to create a

IIAC MONTHLY BULLETIN REVIEW

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

LEGISLATIVE UPDATE - ISSUED FEBRUARY 8 2011

IIAC President Interviews Attorney General George Jepsen

I see the role of Attorney

General as patrolling the

boundaries of business ac-

tivity to make sure that busi-

ness stays on the right side

of the law


more jobs Connecticut needs to create a more competitive business environment As Attorney General I am advocat-ing for more consistent application of our laws and regulations As elected officials we need to send out a clear mes-sage that business is welcome here and that Connecticut will work to keep business and jobs in the state Third we need to improve access to credit for small business I have asked congressional leaders to give small businesses the engine of our Connecticut economy the same protection against abusive credit card practices now available to con-sumers Fourth we need to deal with high energy costs which are driving businesses out of state The Attorney Gen-eral has a direct role in encouraging energy conservation I support a state energy policy that increases investment in conservation and efficiency improvements Reducing demand can push down electricity prices and help make our air cleaner It would also allow us to keep more energy dollars here in Connecticut where they will help drive the statersquos economy spur business and create jobs Finally we need to protect consumers and our natural and historic heritage which are vital to our quality of life

5 How would you describe the current Connecticut business climate AG I think Governor Malloy is going to be changing some things that will improve our business climate immeasurably He

will be looking to create a healthy and fair regulatory environment including some of the elements I discussed above It is going to be clear if it isnrsquot already that Connecticut is open for business

6 Most of our members are part of the small business community ndash they either own small businesses or work for them

What are your thoughts on the current state of Connecticutrsquos small business community Do you see yourself as hav-ing a role in enhancing it

AG Small businesses are the drivers of the economy They are innovative they create jobs and bring new products and

services to market where we all benefit Small business owners have the energy and ingenuity but sometimes they need more practical help I want to make sure they have access to capital and credit and bring clarity to the rules of the game

7 Connecticutrsquos economy obviously is in a difficult time right now What do you think is the best way to re-start Con-

necticutrsquos economy and get things turned around AG The best way to re-start Connecticutrsquos economy is to move through the whole foreclosure mess Homeowners and

lenders need resolution and the ability to move forward From a larger development standpoint we need to look at where Connecticut has a competitive advantage and build on our strengths We also need to continue investing in our infrastructure That will help the many construction businesses put people back to work and better position the state to take advantage of economic growth

8 IIAC has more than 400 members and associates representing over 3500 employees Is there anything you would

like to say to them about the job that they do AG I would like to thank them for the job they do providing an important essential service to families and businesses You

play an important part in making sure products are on the market that people need and at a price they can afford To-gether we can help move Connecticut forward Please contact me with any ideas you have on how to make insurance more accessible and affordable and how we can streamline our process to make it more efficient and easier for small business I look forward to working with you

IIAC thanks the Attorney General for this opportunity to discuss these issues


On February 1 2011 in a public hearing Warren C Ruppar President of IIAC testified in opposition of Raised Bill 6238 in front of the Insurance and Real Estate Committee The following is an excerpt from that testimony Replacement cost coverage and actual cash value coverage are two industry standards for establishing the proper amount of insurance coverage that an insured decides to purchase The insured working with their agent selects the coverage and agrees to the type of coverage and values used for insurance This allows the insured to manage their insurance purchase so that they will insure the amount of risk they desire at a price that is affordable to that individual In addition using replace-ment cost and actual cash value in its current form allows for flexibility of coverage and choices for the consumer The current usage of replacement cost and actual cash value is a proven method throughout the industry and no changes are necessary for Connecticut consumers We urge the committee to oppose Raised Bill 6238

On February 1 2011 in a public hearing Warren C Ruppar President of IIAC testified in opposition of Raised Bill 6237 in front of the Insurance and Real Estate Committee The following is an excerpt from that testimony The purchase of insurance for a condominium association is a complicated process Current statute requires 1) property insurance with specific deductibles 2) flood insurance if applicable 3) commercial general liability insurance 4) fidelity insur-ance 5) coverage for improvements and betterments and 6) preparation of schedules of insurance to assist the unit owners in coordinating their insurance coverage The choice of an agent by the association board is based on that agentsrsquo qualifications experience and access to insurance markets Broker of record letters are used by the agent and customer to allow the agent to obtain quotes from insurance companies and secure that market for the customer The agent receives competitive quotes for the customer and explains any coverage differences between each company Raised Bill 6237 requires a condominium association board to receive quotes from two different agencies This requirement will not improve any part of the process of procuring insurance It will in fact complicate the process because all of the work involved by the board to procure a quote will be duplicated for that board In addition the right to choose an insurance agent and the choice of how many quotes they would like to receive should be left with the association board A requirement by the state to receive quotes from two different insurance agencies is not only unnecessary but will also complicate the in-surance purchase We urge the committee to oppose Raised Bill 6237

IIAC TESTIMONY REVIEW

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

IN OPPOSITION TO RAISED BILL 6238 - AN ACT CONCERNING REPLACEMENT COST COVERAGE UNDER HOMEONWERS INSURANCE AND COMMERCIAL RISK POLICIES

IN OPPOSITION OF RAISED BILL 6237 - AN ACT CONCERNING INSURANCE REQUIRED UNDER THE COMMON INTEREST OWNERSHIP ACT


On February 24 2011 in a public hearing Warren C Ruppar President of IIAC testified in opposition of House Bill 6365 in front of the Insurance and Real Estate Committee The following is an excerpt from that testimony Section 1 of this proposal sets a requirement that a municipality shall receive competitive bids on insurance prior to renewal While we agree that municipalities should practice due diligence for all purchases particularly in todayrsquos difficult economic times an annual requirement by the state that municipalities shall receive bids prior to renewal could create difficulties for the municipality As an example the municipality may be negotiating a claim or large loss and to request a bid at that point would not be cost effective for the competing entity The cost to the insurer to develop a bid for a municipality is also high and an annual requirement could negatively impact the marketplace and an insurerrsquos willingness to issue a quote The insur-ance marketplace for municipalities is limited and a state requirement for companies to offer a bid on business that they knowingly will not get could restrict the marketplace even more Section 2 of House Bill 6365 requires a separate line item in any insurance policy rate quote to show a producerrsquos commis-sion Connecticut Statute 38a-707b clearly addresses the issue of disclosure Insurance producers are required to ldquofully dis-close in writing the amount of any fees or compensation such insurance producer receives from the insurerrdquo It is unclear as to what the purpose of section 2 is in the proposed bill The ldquofull disclosurerdquo requirement in the current statute clearly meets a standard that gives the required and requested information on fees or compensation to the municipality or local or regional board of education We urge the committee to oppose House Bill 6365 as the requirements may create an unintended consequence for the mu-nicipality and because the current statute addresses the issue of full disclosure

On February 24 2011 in a public hearing Warren C Ruppar President of IIAC testified regarding Raised Bill 975 and House Bill 6363 in front of the Insurance and Real Estate Committee The following is an excerpt from that testimony While the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act was largely a response to a financial crisis of recent years and focused primarily on the banking and securities sectors several of the Actrsquos provisions addressed the insurance industry Perhaps most notably the Act included a series of reform provisions that will have significant and hopefully beneficial effects in the non-admitted insurance marketplace These provisions were under consideration by Con-gress for several years and apply both to surplus lines transactions and to those where coverage is procured directly by an insured from a non-admitted insurer These reforms necessitate statutory and regulatory revisions in Connecticut and many other states and IIAC looks forward to working with the General Assembly and the Insurance Department on the implemen-tation of the required changes

IN OPPOSITION OF HOUSE BILL 6365 - AN ACT CONCERNING INSURANCE FOR MUNICIPALITIES

REGARDING RAISED BILL 975 - AN ACT AUTHORIZING THE INSURANCE COMMISSIONER TO ENTER INTO THE NON-ADMITTED INSURANCE MULTI-STATE AGREEMENT

AND HOUSE BILL 6363 - AN ACT ADOPTING THE NATIONAL CONVERENCE OF INSURANCE LEGISLATORSrsquo SURPLUS LINES INSURANCE MULTI-STATE COMPLIANCE COMPACT


The most notable surplus line provisions of the Dodd-Frank Act and our initial comments on these items are described below Exclusive Home State Regulation The Dodd-Frank Act attempts to eliminate unnecessary duplication and redundancy for multi-state non-admitted insurance transactions by embracing a single state regulatory approach This approach establishes the principle of home state regula-tory deference and requires other jurisdictions to respect the requirements and conclusions of the insuredrsquos home state Sec-tion 522 achieves this result by mandating that ldquothe placement of non-admitted insurance shall be subject to the statutory and regulatory requirements solely of the insuredrsquos home staterdquo and that ldquono state other than an insuredrsquos home state may require a surplus lines broker to be licensed to sell solicit or negotiate non-admitted insurance with respect to such insuredrdquo The Act includes a clear preemption provision as well Specifically Section 522(c) provides in most instances that ldquoany law regulation provision or other action of any state that applies or purports to apply to non-admitted insurance sold to solic-ited by or negotiated with an insured whose home state is another state shall be preempted with respect to such applica-tionrdquo Preemption does not apply however to state restrictions on the placement of workersrsquo compensation insurance with non-admitted insurers In order to come into compliance with these new federal standards IIAC urges the legislature to make revisions in a manner that ensures that our surplus lines requirements only apply to transactions in which Connecticut is the insuredrsquos home state Diligent Search Requirements Section 525 of the Dodd-Frank Act provides that surplus lines brokers will no longer be required to satisfy state diligent search requirements for transactions involving an ldquoexempt commercial purchaserrdquo if (1) the broker discloses to the buyer that the desired insurance coverage ldquomay or may not be available from the admitted market that may provide greater protection with more regulatory oversightrdquo and (2) the purchaser subsequently requests in writing that the broker access the non-admitted market The Act limits the application of this reform to transactions involving an ldquoexempt commercial purchaserrdquo a term defined in detail in Section 527(5) In order to qualify as an ldquoexempt commercial purchaserrdquo an individual or entity must (1) employ or retain a ldquoqualified risk managerrdquo to negotiate insurance coverage (2) have had aggregate nationwide commercial property and casualty insurance premiums in excess of $100000 over the preceding twelve months and (3) satisfy one of the follow-ing five criteria (which where appropriate will be adjusted for inflation every five years)

Possess a net worth over $20 million Generate annual revenues over $50 million Employ over 500 full-time employees or be an affiliate of a group employing over 1000 employees If a nonprofit organization or public entity have a budget of over $30 million or If a municipality have a population of over 50000 people

IIAC urges the legislature to make revisions to address these new federal requirements and to include the necessary defini-tions among these revisions

For purposes of the non-admitted insurance reforms Section 527(6) defines ldquohome staterdquo as ldquothe state in which an insured maintains its principal place of business or in the case of an individual the individualrsquos principal residencerdquo In cases where 100 percent of the insured risk is located elsewhere the definition provides that the home state shall be deemed to be the ju-risdiction to which the greatest percentage of taxable premium for the insurance contract is allocated

Section 527(13) provides a lengthy definition of ldquoqualified risk managerrdquo


Eligibility Requirements for Non-admitted Insurers The Actrsquos reliance on single state regulation is likely to simplify multi-state non-admitted transactions but it goes a step fur-ther in the area of insurer eligibility requirements and ensures that these requirements will be increasingly consistent across the country Section 524(a) standardizes the eligibility requirements for non-admitted insurers domiciled in the United States and prohibits states from imposing eligibility criteria that do not conform with the NAICrsquos Non-admitted Insurance Model Act and Section 524(b) prohibits a state from restricting the placement of business with an alien non-admitted insurer that is listed on the NAICrsquos Quarterly Listing of Alien Insurers Again IIAC urges the legislature to make the necessary revisions in this area as well Surplus Lines Premium Taxes The collection and distribution of premium taxes in non-admitted insurance transactions has long been a complex and chal-lenging task and inconsistent state laws force surplus lines brokers today into the often impossible position of trying to deter-mine exactly how to allocate the taxes Section 521 addresses this problem by again embracing single state regulation and permitting only the home state of the insured to require the payment of premium taxes in connection with a surplus lines transaction or direct non-admitted placement The new statute leaves no ambiguity about the intended goal and provides that ldquono state other than the home state of an insured may require any premium tax payment for non-admitted insurancerdquo While the federal statute allows an insuredrsquos home state to require the submission of annual tax allocation reports that detail the portion of non-admitted policy premium attributable to properties risks or exposures located in each state the challeng-ing task of determining how premium tax payments are to be divided among jurisdictions is left to the states The Act does include a statement indicating Congressrsquos desire for all states to adopt a uniform set of standards that would ultimately cre-ate a nationwide system for the reporting payment collection and allocation of premium taxes for non-admitted insurance The new law further encourages the creation of such a system by authorizing the states to create an interstate compact or to establish other procedures for allocating the taxes paid to an insuredrsquos home state There are competing views about how best to address these tax collection allocation and distribution issues IIAC sees merit in the comprehensive compact proposal ndash the Surplus Lines Insurance Multi-State Compliance Compact or SLIMPACT ndash that has been strongly endorsed by the National Conference of State Legislatures the National Conference of Insurance Legisla-tors and the Council of State Governments and is in Raised Bill 6363 The SLIMPACT proposal (which could be adopted in conjunction with the non-tax items outlined above) only becomes effective if ten states or jurisdictions representing over 40 percent of the national surplus lines premium volume enact the necessary legislation and we believe this is a concept worthy of review We are aware that the National Association of Insurance Commissioners hopes to develop an alternative clearing-house mechanism which is in Raised Bill 975 to address these issues and is encouraging states to provide broad authority for state regulators to participate in any such structure but the precise nature and scope of that proposal still remain unclear and initial indications suggest that the system may be more onerous for the industry than if the states did not act at all We urge the committee to continue to review these proposals and meet the goals of the federal legislation by embracing a single state regulation approach


SPEAKER OF THE HOUSE JOHN BOEHNER TO ADDRESS THE BIG ldquoIrdquo Ohio Republican to deliver remarks at annual Legislative Conference Breakfast

The Independent Insurance Agents amp Brokers of America (the Big ldquoIrdquo) has announced that Rep John Boehner (R-Ohio) Speaker of the House of Representatives will address the associationrsquos membership on Thursday April 14 Speaker Boehner will be a key note speaker at the legislative conference breakfast which occurs just prior to the associationrsquos annual Big ldquoIrdquo Day on Capitol Hill Every year more than a thousand agents and brokers visit Capitol Hill offices to lobby mem-bers of the House Senate and their staffs on issues that directly impact independent agents and consumers ldquoThe Big lsquoIrsquo is honored that during such a pivotal year Speaker of the House John Boehner (R-Ohio) will be kicking off our an-nual agent pilgrimage to Capitol Hillrdquo says Robert A Rusbuldt Big ldquoIrdquo president and CEO ldquoWersquore looking forward to hearing his insights on the implementation of the new health care law tax and spending issues financial services regulation and other important topics facing our members their businesses and the American economyrdquo In November 2010 Boehner was elected to represent the eighth congressional district of Ohio for an 11th term After more than two decades on Capitol Hill he was formally elected as the 53rd Speaker of the House on Jan 5 2011 In his congres-sional career Speaker Boehner has served in many prestigious posts including House Republican Conference Chairman Chair-man of the House Education and Workforce Committee and House Republican Leader In the last Congress as the Minority Leader he was a leading opponent of the Patient Protection and Affordable Care Act (PPACA) Although the bill was ulti-mately signed into law had it not been for his efforts the final language would have been even more destructive to small business Prior to serving in public office Speaker Boehner ran a small business in the plastics and packaging industry Speaker Boehner also received the Big Irsquos Legislator of the Year Award in 1998 ldquoSpeaker Boehner has been a longtime friend of our small business owners in his home state of Ohio and as a former small business person himself can provide an important perspective our members will appreciaterdquo says Charles E Symington Jr Big ldquoIrdquo senior vice president for government affairs The Speakerrsquos focused commitment to removing government barriers in order to create more jobs and economic growth go hand-in-hand with many of the Big lsquoIrsquosrsquo goalsrdquo The Big ldquoIrdquo National Legislative Conference is the insurance industryrsquos best-attended most effective legislative meeting This yearrsquos event will take place April 13-15 at the Grand Hyatt Washington Hotel in Washington DC The legislative conference is an opportunity for Big ldquoIrdquo agents and brokers to discuss important issues with their congressional representatives Top issues this year include health care reform extension of the National Flood Insurance Program (NFIP) insurance regulatory reform agent licensing reform the Federal Crop Insurance Program (FCIP) and other challenges and opportunities facing the independent agency system Other highlights of the Big ldquoIrdquo Legislative Conference amp Convention will include in-depth issues briefing sessions appearances by numerous high-profile speakers discussing important insurance and national issues confronting lawmakers as well as agents and brokers a CEO panel comprised of top carrier presidents amp CEOs and hundreds of meetings on Capitol Hill be-tween Big ldquoIrdquo agents and brokers and their elected representatives in the Congress For registration and hotel information go to wwwindependentagentcom and select the ldquoEvents and Conferencesrdquo link Journalists interested in attending please contact Margarita Tapia director of public affairs at margaritatapiaiiabanet or(800) 221-7917 or for media registration


10 Westport IIAC EampO Premium Credit

This program qualifies agencies that purchase their E amp O insurance through IIAC from Westport Insurance Company for a 10 credit on their total annual premium if the following personnel attend

Agency Staff size of 1 Active Agency Principal Owner Partner or Officer

Agency Staff size of 2 to 7 2 Attendees Required 1 Active Agency Principal Owner Partner or Officer 1 Producer or CSR

Agency Staff size of 8 to 20 4 Attendees Required 1 Active Agency Principal Owner Partner or Officer 1 Active Agency Principal Owner Partner Officer Operations Manager or Producer 2 Producers or CSRs


Agency Staff size of 51 or more 10 Attendees Required 1 Active Agency Principal Owner Partner or Officer 2 Active Agency Principals Owners Partners Officers Operations Managers or Producers 7 Producers or CSRs

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

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

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

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


AGENCY ADDRESS ______________________________________________________________________________________ (include street city state amp zip)

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


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

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

Instructors Chris Weldon Esq amp Jim Keidel Esq

Earn 8 CE Credits (6 PampC amp 2 LRE)

Highly qualified and knowledgeable instructors for each course

A new approach to E amp O Loss Control Prevention

Designed to emphasize the positive aspects of adopting a Best Practices approach to agency management

Practical real-world solutions that can be implemented in any agency

The focus of this seminar is on results with extensive use of the following

- Case Study Method - Tools (Forms checklist amp sample letters) - Technology and Automation - Current Issues - Risk Management Approach

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

SEMINAR BENEFITS

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 ACSR 5

830 - 430 Wethersfield

2 3 4 5

6 7 8 9 AAI 82C


10 Laws

Regulations amp Ethics


11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC

Pre-Licensing 830 - 430

Wethersfield

23 Business

Life amp Retire-ment Benefits


24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

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




1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


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

Immediate Past Chairman Kurt Battey

Scholes Agency Inc East Haddam


WHO ARE THE INDEPENDENT INSURANCE AGENTS OF CONNECTICUT

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

INSURPAC

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

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

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

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


ACE Private Risk Services 860-828-7931

wwwaceprivateriskservicescom

Agility Recovery 704-341-8700

wwwagilityrecoverycom

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

Auto Glass of New England LLC 203-375-4700

wwwautoglassofnewenglandcom

Broadway Premium Financing 800-728-7255

wwwbroadwaypremiumcom

CATIC Exchange Solutions Inc 860-513-3131

wwwcaticexchangecom

Connecticut Interlocal Risk Management Agency 203-498-3000

wwwccm-ctorginsurance

Connecticut Underwriters Inc 860-347-9600

wwwctunderwriterscom

Crystal Restoration Services 203-853-4179

wwwcrystal1com

Paul Davis Restoration 860-539-0911

wwwpdrestorationcom

Demetriou General Agency Inc 212-897-6912

wwwdemetriougroupcom

Gill and Roeser Holdings Inc 212-972-3306

Glass America 860-444-6344

wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom

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

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

Money Concepts Financial Planning Center 888-229-0316

wwwmoneyconceptscomtjones

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

Harleysville Worcester Insurance Company 800-225-7387

wwwharleysvillegroupcom

The Hartford 860-409-6150

wwwthehartfordcom

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 A New Look Same Values Association Adopts New Logo 03

10 Things You Should Know About Personal Guarantees Asterisk Financial 05

Spring Conference Program 07

IIAC Monthly Bulletin Review An Interview with CT Attorney George Jepsen 08

IIAC Testimony Review 10

Speaker of the House John Boehner to Address The Big ldquoIrdquo 14

Errors amp Omission Loss Control Techniques 15

In Every Issue March and April Continuing Education Courses 16

Events 18

Big ldquoIrdquo Advantage Programs 19

2010 - 2011 Officers 21

Committees 21

About Us 22

Associate Member Index

Associate Members - Insurance Brokers amp Services 23

Associate Members - Insurance Companies 25

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



































WEBINAR AVAILABLE









































of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






































WEBINAR AVAILABLE









































of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom

































WEBINAR AVAILABLE









































of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






























WEBINAR AVAILABLE









































of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom













WEBINAR AVAILABLE









































of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom









































of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom
























of the law



































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






































































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom























































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom
















































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom










































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom


































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom































SEMINAR BENEFITS








1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











1 ACSR 5


2 3 4 5

6 7 8 9 AAI 82C


10 Laws



11 12

13 14 15 16 ACSR 9


17 18 19

20 21 22 PampC


Wethersfield

23 Business



24 25 PampC


Wethersfield

26

27 28 29 PampC


Wethersfield

30 31








1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











1 2

3 4 5 6

AAI 81B 830 - 430

Wethersfield

7

LampH Pre-Licensing


8 9

10 11 12

ACSR 1 830 - 430

Wethersfield

13 14

LampH Pre-Licensing


15 16

17 18 19 20

AAI 82A 830 - 430

Wethersfield

21

LampH Pre-Licensing


22 23

24 25 26 27 28

LampH Pre-Licensing


29 30


2011 IIAC EVENTS



















ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


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
















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ARE YOU TAKING

ADVANTAGE









Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom











Trusted Choicereg




ARE YOU TAKING

ADVANTAGE




Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom






Name ___________________________________________________________________________________





Chairman Tom Wilson













INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom







INSURPAC
















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom















wwwcaticexchangecom






wwwcrystal1com


wwwpdrestorationcom





wwwglassusacom

HCC Global 860-674-1900

wwwhcc-globalcom







wwwinsurbanccom


wwwiroquoisctcom




wwwjkrarcom


wwwjpmaguirecom


wwwthatsmybrokercom













wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom












wwwoakbridgeinscom




www877autoglasscom


wwwpro-kleancom
















wwwsteamaticctcom






wwwtravelinsuredcom


wwwunitedcrcom


wwwxsbrokerscom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom














wwwcnacentralcom


wwwctfairplancom


wwwfirstcompcom






wwwthehartfordcom


wwwhinghammutualcom


wwwekempercom


wwwmetlifecom


wwwmiddleoakcom


wwwnlcinsurancecom


wwwomigcom


wwwpeerless-inscom


wwwpennmillerscom


wwwpmagroupcom




wwwsafecocom




wwwstateautocom


wwwuticanationalcom




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The Connecticut Independent Agent