INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA

August 2013

The Magic Starts with Trusted Choice

83rd Annual Convention and Trade Show

October 6-8, 2013Best Western Ramkota

Sioux Falls,SD

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You’re an independent agent.

Don’t forget your helmet.

Protect.Our superior coverage and expert claims teams are in your corner in the event of a claim.

Prevent.Our risk management resources keep your agency from making common preventable mistakes.

Prosper.When you know you have the best E&O protection, you can focus on growing your most important asset–your business.

www.independentagent.com/EO

The Big “I” Professional Liability Program

The Big “I” and Swiss Re are jointly committed to providing IIABA members with leading edge agency E&O products and services. The IIABA and its federation of 51 state associations endorse Swiss Re’s comprehensive professional liability program.

Insurance products underwritten by Westport Insurance Corporation, Overland Park, Kansas.Westport is a member of the Swiss Re group of companies and is licensed in all 50 states and the District of Columbia. ©2008 Swiss Re

2013 OFFICERSPRESIDENT

Kathy JohnsonFirst Western Insurance

Rapid City SD

PRESIDENT-ELECTGerrit Juffer

Juffer Inc.Wagner SD

VICE PRESIDENTSteve Walker

First Madison InsuranceMadison SD

SECRETARY-TREASURERAnnette Conway

Western Dakota InsurorsRapid City, SD

PAST PRESIDENTDale Heesch

Dakota Ins AgencyBaltic SD

IIABA STATE NAT’L DIRECTORGary Joyce

Howalt-McDowell Ins. Inc.Sioux Falls SD

2013 DIRECTORSDISTRICT # 1

Jesse KonoldKey Insurance Inc.

Mobridge, SD

DISTRICT # 5Janet Noteboom

The Insurance CenterWinner, SD

DISTRICT # 2Mindy Huntington

Fischer Rounds & Assoc.Watertown SD

DISTRICT # 6Pat Tollefson

Insurance PlusAberdeen SD

DISTRICT # 3Steve Walker

First Madison InsuranceMadison SD

DISTRICT # 7Annette Conway

Western Dakota InsurorsSturgis, SD

DISTRICT # 4Chad Dubisar

Boen & AssociatesSioux Falls SD

DISTRICT # 8Dan Maguire

Black Hills Agency IncRapid City SD

EXECUTIVE VICE PRESIDENTJerry Diamond

IIASDPierre SD

INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA

AT UNITED FIRE GROUP . . .

Independent agents are the backbone of our insurance business. So, when you talk, we listen. Your requests have prompted us to provide real-time technologies for your convenience. We know you have better things to do with your time than perform tedious data entry. That’s why we’re using the latest technology to provide you with real-time access to your customers’ account information on ufgAgent.com.

Transformation Station and Transact Now™ make real-time inquiry available for:

• Policy • Billing • Claims • Loss runs

Renewals, endorsements, new business, cancellations, reinstate ments—automatically downloaded into your agency management system with updates downloaded nightly. Contact our United Fire marketing team at 800-828-2705 to learn more about these real-time technologies. Go ahead . . .we’re listening!

United Fire GroupCedar Rapids, Iowa www.ufgAgent.comFollow us on Facebook!

®

UNITED FIRE AGENT RON HAMMERBERG

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The Executive Corner Jerry Diamond, Exec VP

IIASD Make-A-Wish Connection

Talk about a Win-Win-Win event. Gary Joyce, Gerrit Juffer, Steve Walker and I golfed in the Make-A-Wish fundraiser held at the Minnehaha Country Club in Sioux Falls in July. This is one of Make-A-Wish’s biggest fundraisers in South Dakota. Our National Association (IIABA) contributed $10,000 to this Make-A-Wish event on behalf of the IndependentInsurance Agents of South Dakota.

In return, Make-A-Wish gave IIASD radio time, signage, and let our foursome take part in the tournament. So, let’s sum this up, we received free money to get free signage to play in a great benefit golf tournament.

Is that a Win-Win-Win or what????

Make-A-Wish went above and beyond to show the contributors how much they appreciated not only the contribution, but also the suggestions and input we had. They even had lunch served on the course.This organization gave over 75 wishes to children and their families in SD just last year alone and will probably grant at least that many this year. We are proud to contribute to this great organization. After meeting and seeing film clips of past recipients of these grants, it was difficult to imagine what some of these young children go through every day to deal with their medical conditions. In spite of their adversity, they all seemed to be very upbeat about life and the future.

If any agents would like to be in this annual tournament next year, please send me an email or call me and we will try to arrange it.

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E&O EDGE – Carolyn Hofer, E&O AdministratorIIASD Annual Convention –

Sioux Falls Ramkota – Oct. 6 – 8th

****The Value in Participating**** Convention time is rolling around again and many of you have already registered…..Be sure to get your name in the Early Bird Drawing (deadline is September 17th) for great prizes and maybe even CASH!!! Jerry, Kayla and I have been scheming and plotting to come up with a new Sunday evening surprise that will compete with last year’s!!!!!

Why Attend Convention??? Where’s the Value??? Ever heard the phrase – “Success is all about who you know”? Key relationships are more and more important to professional success….and IIASD’s Annual Convention is all about networking with Company Partners, industry professionals and fellow agents. Where can you possibly find more contacts and resources available and waiting for you in one place? The SUNDAY TRADE SHOW will host 45 Exhibitors who are affiliated in some way with our industry. They are looking for new opportunities and if you are looking for markets – this may be where you find the carrier or broker to fill that niche. Our Company Partners understand the value of relationships and their generous contributions allow us to offer quality education, resources and entertainment. As Association members and agents for these partners, we owe it to these sponsors to participate and do our part to make the convention a success.

Education – What’s Scheduled??? We have educational opportunities for every type of insurance agent – all the way from Crop InsuranceAgents to Life and Health – and everything in between. Our Association Membership is becoming more diversified and we fully understand the importance of crop agents and life & health agents in addition to the property/casualty producers in the insurance industry in our state.

We kick off MONDAY MORNING with 3 choices:1.Crop Agents – we are presenting a Crop Agent’s E&O Loss Control Seminar – complete with a panel of Crop carrier Reps, RMA Rep and an E&O Carrier Claims Rep. (6 hrs. Gen CE)2.Personal Lines Agents - Personal Auto/Umbrella Liability (4 hrs CE)3.All Agents – Marketing – Valuable tools and training to increase sales

MONDAY AFTERNOON:All Agents: Ethics – 2 hrs Gen CE – A review of an agent’s moral obligation and principles of conduct.

TUESDAY MORNING:1.Commercial Lines Agents: Business OwnersPolicy changes – 4 hrs. P/C CE2.Healthcare Agents: - 4 hrs Life & Health CEThe changing role of healthcare agents.

Kick Back and Enjoy the Entertainment!!!“Reza the Illusionist” will keep you on the edge of your seat as he creates illusions of the seemingly impossible!! He will be performing at the MondayEvening Banquet – you won’t be disappointed.

Participation allows you to be a part of what is happening in the insurance industry.

Register Online at www.iiasd.org

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CMS Agent Training Now Available

Division of InsuranceNews and Views

/ / / /

Progressive Casualty Ins. Co. and its affiliates, Mayfield Village, OH. Auto insurance prices and products are different when purchased directly from Progressive or through independent agents/brokers. Not available in all states. Market positions from Highline Data’s 2007 written premium data, NAIC 2008 market share data, and 2008 Millward Brown & Harris Interactive survey data. 10A00065.A11 (08/10)

Whether your customers drive it, ride it, or boat it. We can insure it.HELPING YOUR CUSTOMERS FIND THE RIGHT POLICY HAS NEVER BEEN EASIER. Partner with a leader. It’s no secret why drivers use independent agents. You offer quality service, and a convenience second to none. But Progressive can help too. Because Progressive is not only a leader in auto insurance, but also truck, boat, motorcycle and RV. Plus, drivers who switch to Progressive save an average of $550 on their auto insurance. So no matter what you’re helping your customers insure, together — we can help them insure it for less.

Division of InsuranceContact Information:

Merle Scheiber, DirectorSouth Dakota Division

of Insurance445 East Capitol Avenue

Pierre, SD 57501Phone: 605.773.3563

Fax: 605.773.5369

CMS Agent/Broker federal training for the Federally-Facilitated Marketplace (FFM) is now available. South Dakota licensed Agents and Brokers wanting to sell in the Federally Facilitated Exchange (Marketplace) are required to complete the federal online training offered through the Center for Medicare and Medicaid Services (CMS). All training and registration will occur online.

The federal government has indicated there will be two parts to the training. The first part will be the online training portion. Training materials are meant to cover a range of information to prepare agents for assisting consumers, including their obligation to safeguard personal information and act in the best interest of consumers, and the penalties that could be incurred if inappropriate activities are conducted. The second part of the Agent/Broker FFM training will be the registration process, which will be available later in August. At that time, Agents/Brokers will be able to obtain an active FFM User ID by completing a federal identity verification process online (required in order to get commissions via Marketplace enrollment).

To take the training now, please visit http://Market-place.MedicareLearningNetworkLMS.com

Don’t Forget to Register for the upcoming Convention

Online at www.iiasd.org

We have set up a room block at the Best Western Ramkota in Sioux Falls, SD

Mention the IIASD Convention and get a room rate of $89.99 make a room reservation now by calling (605) 336-0650. We only have the block of rooms available until September 6th. So make you room

reservation today !!

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Kayla’s Technology Advice

IS TECHNOLOGY DESTROYINGMORE JOBS THAN IT IS CREATING?

By: Kayla LongbrakeAdministrative Coordinator

GreatAmerican Crop.com

Other insurance companies can’t touch our iPAD app!

Our Crop agents can write, sign and submit coverage from the field. Can you?

Great American Insurance Group is an equal opportunity provider. 301 E. Fourth Street, Cincinnati, OH 45202

We now have technological innovations that have gone as far as creating robots you can interact with and give orders to. If I am not wrong, you can now even get yourself a robot girlfriend if you have failed to find your perfect woman. Do you remember the cartoon show ‘The Jetsons’? Well, then you must certainly remember the flying cars and Rosie, the robot, from this futuristic animated kids’ show! That’s the world of future that Hanna-Barbera wittingly portrayed in ‘The Jetsons’. Everything is automated. Sounds so exciting but is technology becoming your new rival to score a job? Well, it could be. Machines may be very well replacing humans and creating a wider gap between the number of job positions available and the number of applicable candidates for it. Humans created machines and now machines are threatening their jobs. They were supposed to make life easier for you. But, apparently they are making life for your employers so easy that they don’t need much human resources now. Is Technology Ruining Employment Opportunities?The world is quickly industrializing and globalizing. All countries have been influenced by the new technology available at hand. And every single day, we are only trying to outdo ourselves by creating the kind of technology you would have never imagined 10 years ago. The accelerating technology in our new automated world is quickly becoming the number one reason of the rising rate of unemployment around the world. Or maybe it already is. Take this real life scenario for instance:In the 1950s, automobile industry was a flourishing industry in city X and provided employment to most of the residents including African-Americans. The jobs in this industry were respectable, paid well and even provided perks. However, all of this changed after the development of new technology that led to the automation of assembly line. This resulted in the displacementof many workers in the industry and this phenomenon spread like wildfire among all other cities, home to automobile factories, around the country. This is a story of a city that was once ranked amongst the top five largest cities of its country and housed more than 2 million people. This is the story of the “Motor City”, Detroit.Outsourcing to technology reduces the scope for human error to almost zero. Add to that, the advantage that machines don’t complain of fatigue and take leaves. It’s efficient and reduces training costs, employee retention costs and increases the pace of work multifariously. All profit-aiming companies have already began their love affair with technology. Industries predicted to follow this trend are agriculture, food processing, education, oil-refining and public sector holdings.

Has Technology Increased Employment?The counteracting point of view is that advancement in technology has helped increase the level of output, requiring more labor to produce goods and service at such high levels. This has significantly improved levels of employment. This theory dismisses any authentic correlation between technology and unemployment. According to the supporters of this theory, technology may cause a structural change in the composition of employment, however it does not cause any negative effects and leads to absorption of workers in other industries. Citing a proof to it, is the example of the telecommunications industry. It consists of cell phone manufacturing, network services and the Internet. The telecommunications industry provided 1 million jobs to skilled, semi-skilled and unskilled American labor in 2008, even in the face of the then ongoing situation of recession.Structural ChangePost Industrial Revolution, the Luddite movement began as a mass protest against the automation of the textiles industry. Skilled artisans and weavers were replaced with machines to produce textiles, that were operated with unskilled labor. Although, the technological advancement with mechanization of work did lead to employment opportunities, it simultaneously took away the means of livelihood of several people employed in the art of textile making. If these people were to take up these jobs as machine loom operators, it created significant reduction in their income with less pay. Such a phenomenon of shift in employment, despite possessing specialized knowledge or skills, is often seen in many industries and is called structural unemployment.Technology and UnemploymentLet me make this even simpler for you to think over. Did you pay attention to the background story of the movie/novel "Up in the Air"? George Clooney is a corporate down-sizer whose job is to fire people. Ironically, he loses his job after he is replaced by video-conferencing for the same! Umm... yah, the company discovered that they don't have to pay for his traveling and hotel stay expenses, plus they will save up on his salary and cut down costs too if they start firing people over video-conferencing. It's not just you on your treadmill, companies have tightened up their belts and are losing the flab too, the smart way.. err.. by firing people. Continued on Page 7

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Omaha Branch: 800.338.9735 | Home Office: Des Moines, IA www.emcins.com

© Copyright Employers Mutual Casualty Company 2013. All rights reserved.

Provide more than protection to your clients. Provide the added value of EMC’s no-fee loss control services, which could help reduce the cost of their insurance. It’s just one of the many reasons policyholders Count on EMC®.

Cross-Sell Strategy #9KEY-PERSON INSURANCE

Go beyond property/casualty coverages and protect your clients’ families and employees, too. EMC National Life can help you add key-person insurance to cover one of the biggest risks independent business owners may face. It’s just one of the many reasons policyholders Count on EMC®.

Nancy Tunender, EMC National LifeSenior Life Underwriter

“ Key-person insurance is the key to better protection for clients.”

Continued from Page 6

Frankenstein was a warning to all mankind about the impending consequences of technology. Constant evolution in the world of technology is quickly ending the game for most people with manual labor jobs or average jobs that have no significant contribution to the development and financial progress of companies. Even non-corporate jobs are under fire. Word of advice, better buckle up now and become an important part of your company that it cannot do without before it disposes you more unexpectedly than the next price hike. You may soon not see any cashiers in supermarkets and waiters or waitresses in restaurants with the advent of new technological innovations, for billing and placing orders respectively, that will replace the need for employment of human resources at these places.

It seems that perhaps we are now in an era when technology is destroying more jobs than it is creating. The world has made a swift transition from being labor intensive to capital-intensive in the last fifty years. With this information, there definitely seems to be a close relationship between technology and unemployment. Technology is destroying more jobs than it is creating and this is evident in the economic situation of jobless recovery prevailing in the U.S. even two years post-recession.

Article By: Urvashi Pokharna

www.rascompanies.com 800.732.1486

n Stay at WORK/RetuRn tO WORK PROGRaM DeVeLOPMent

n LOSS PReVentiOn anD tRaininGn COSt COntainMent PROGRaMSn MyRaSSM OnLine eMPLOyeR ReSOuRCe ManaGeRn LOCaL CLaiMS ManaGeMent anD CaSe ManaGeMent

We partner with our agents to help employers control the risingcosts of managing a workforce while protecting profitability. Wehave a proven history of solid performance throughout SouthDakota and continually develop new ways to overcome the difficult issues inherent to workers’ compensation. We have ateam approach to deliver exceptional service.

1NO.

WORK COMPWriter in SD

Nationwide Strength. Midwest Values.

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EXCITING NEWS FROM SELECTIVE FLOOD

Selective Flood who handles the Big “I” Flood Program has been working diligently to make sure that it is offering the easiest and most effective way to quote flood insurance. It has made several changes to its quoting system, and will release it in conjunction with an updated flood website.

Selective is excited to announce the new look and feel to its website and quoting system to help you write more flood insurance. Selective’s operation will continue to service you and your clients from policy inception to claims handling. You will continue to work with your dedicated underwriting teams and the Selective staff.

If you have any questions regarding the new system, please refer them to your flood insurance resource, Big “I” Flood. To get started, visit the Big “I” Flood program website: http://www.independentagent.com/Products/Insurance/Flood/Pages/Home.aspx and click on the Register button. Contact Big “I” Flood: BigIFlood@iiaba.net with questions.

Insuring the Midlands Since 1891

Les Hileman, CPCU, AICVice President of Agencies

800-742-7433lhileman@fmne.com

PROVIDING INSURANCE FOR 97 YEARS:

Personal & Commercial Automobile

Farmowners/Ranchowners

Umbrella Liability

Homeowners & Mobilehome

Fire & Allied

Lines

Personal & General Liability

Contact Mel Juran 605-775-2636

Agent & Customer Service

Oriented

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CALENDAR OF EVENTS FOR 2013

October 6th-8thBoard Meeting & Annual Convention

Sioux Falls, SD

November 13th-14thBoard Retreat

facebook.com/acuitywowFor All That Matters

See what they’re saying at: www.acuity.com

Have u heard the latest about ACUITY?

YES! Every1 is talking about them : )

FALL CROP UPDATE

SCHEDULE CHANGEAug 22nd Crop Update Cancelled

Fall Crop update information will be included with the Crop Agent’s E&O Loss Control Seminar at

Convention on October 7th – Best Western Ramkota, Sioux Falls, SD.

Doug Hagel from RMA will be in attendance at the Convention and the Loss Control seminar to provide us with information on any changes that

are coming.

This will be a great opportunity for crop agents to earn the 10% Loss Control credit on their E&O,

learn specific crop insurance processes and procedures to prevent errors and hear from

company claims reps.

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facebook.com/acuitywowFor All That Matters

See what they’re saying at: www.acuity.com

Have u heard the latest about ACUITY?

YES! Every1 is talking about them : )

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Northern States Agency, a Managing General Agency & Wholesale Broker for over 55 years, providing a wide range of commercial insurance:

General Liability Property Garage Commercial Auto Excess Auto Workers Compensation

Our underwriters average over 10 years experience with NSASame day or next day response on submissionsGreat Service, Great Products, Great People

2145 Ford Parkway, Suite 202 St. Paul, MN 55116

P: 800-328-0828 • F: 651-646-1971 www.nsa-mga.com

We are known for transportation, BUT… Did you know we have a FULL HOUSE?

Inland Marine & Cargo Umbrella & Excess Professional Liability Miscellaneous E & O Directors & Officers

Your TOTAL Solutions Provider

TRUSTED CHOICE® RAISES MONEY FOR MAKE-A-WISH® WITH SOCIAL MEDIA CAMPAIGNEach “share” from the Trusted Choice® Facebook page during August will send $10 to

Make-A-Wish to help grant more life-changing wishes. ALEXANDRIA, Va., Aug. 1, 2013 – Trusted Choice®, the consumer branding program for independent insurance agents and brokers, is proud to announce the third annual summer social media campaign to raise money for Make-A-Wish®. For every “share” from the Trusted Choice® Facebook page (www.facebook.com/TrustedChoice) during the month of August, Trusted Choice® will donate $10 to Make-A-Wish.

“Trusted Choice® is excited and proud to once again use social media in such a positive way to raise money and awareness for Make-A-Wish,” says Dave Evans, Trusted Choice® executive director. “We are pleased to have sponsored wishes for more than 21 children with life-threatening medical conditions since our first social media campaign in 2011. In addition, Trusted Choice® will have sponsored 70 grants through a $525,000 local sponsorship initiative before year’s end. Independent insurance agents and brokers have a strong track record of active participation and charitable giving in their communities and this annual project is an important opportunity for all of us to join forces for a very worthy, national campaign.”

Trusted Choice® is committed to donating a minimum of $100,000 and a maximum of $150,000 with this campaign. This is the third year Trusted Choice® has held a social media campaign to benefit Make-A-Wish. The social media campaigns have raised more than $320,000 and the grant activity an additional $525,000. Collectively, Trusted Choice® has raised more than $845,000 for Make-A-Wish since 2011.

“We are pleased to continue our partnership with our adopted charitable organization, Make-A-Wish,” says Robert Rusbuldt, Trusted Choice® president and Big “I” president & CEO. “Independent agents are there to instill confidence and hope in their clients and customers, and that’s what Make-A-Wish does. Make-A-Wish is there for wish kids and their families in their greatest time of need, just like Trusted Choice® independent insurance agents.”

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www.iiaba.net/Flood

Just a guppy

when it comes to selling flood?

Don’t be shy - Big “I” Flood is here to help.There’s a lot to understand when it comes to flood insurance. We admit it! From changing flood zones to determining the best level of protection for our client, there is a lot to navigate. So even though you’re a big fish when it comes to selling other coverages, flood can make you feel like a guppy! But don’t let this prevent you from offering flood coverage to your clients. We’re here to help you understand and sell flood.

Big “I” Flood provides:ACCESS - In, Above & Outside of the NFIP!EDUCATION - Classroom CE or the new Flood Learning Center on VUADVOCACY - Representation on Capitol Hill & NFIP advisory committees

Learn more at www.iiaba.net/Flood, or contact Big “I” Flood Program Manager Linda Mackey at linda.mackey@iiaba.net or (800) 221-7917. Let us explain how we operate in, above, and outside the NFIP!

Just For Fun:

The 50-50-90 rule:Anytime you have a 50-50

chance of getting something right, there’s a 90% probability you’ll get

it wrong.

Rain and Hail has the best people, providing the best service, supported by the best technology.

Rain and HailAgricultural Insurance

The ACE Group of Companieswww.RainHail.com

This institution is an equal opportunity provider and employer.

To learn more, visit www.RainHail.com or call 1-800-776-4045.

Commercial | Personal | Professional | Brokerage | Binding | Risk Management Services

Minneapolis, Minnesota | 612.564.1880 | toll free 800.328.1693fax 612.564.1881 | minneapolis.burnsandwilcox.com

Our expertise is the key to gaining access to exclusive markets.

HEALTHCARE PROFESSIONALS AND ORGANIZATIONS

Enter exclusive markets for healthcare entities through our relationships with over 50 carriers. Whatever the diagnosis, our expertise delivers the fastest quotes. Take advantage of our experience to cover everything from medical malpractice to general liability without any gaps. Why let anything stand between you and the coverages your clients need? At Burns & Wilcox, we make the hard-to-place easy.

32799_BW_Healthcare_MN1.indd 1 5/6/13 3:11 PM

Rain and Hail has the best people, providing the best service, supported by the best technology.

Rain and HailAgricultural Insurance

The ACE Group of Companieswww.RainHail.com

This institution is an equal opportunity provider and employer.

To learn more, visit www.RainHail.com or call 1-800-776-4045.

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“Insuring Homes, Farms, Businesses and Autos”

“A Personable Company Keeping You on Course’’

www.nstarco.com1-800-622-5230

Box 48 Cottonwood, Minnesota 56229

Rated “A+ Superior”

Offered Exclusively Through Independent Agents

totallyA R E YO UWORRY FREE?

West Des Moines, ioWA • 800.274.3531 • WWW.iMtins.coM

WWW.IMTINS.COM

IIASD HASN’T MOVED

WE ARE JUST CHANGING

OUR MAIL DELIVERY TO:

305 Island Drive

Fort Pierre, SD 57532

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Scobie Group 1501 42nd St, Suite 100

West Des Moines, IA 1-800-475-1000 www.fwins.com

Scobie Group 14748 West Center Rd, Suite 202

Omaha, NE 1-800-825-4855 www.fwins.com

Sentry Knows TruckingSentry understands trucking is your number one priority. That’s why we constantly review and enhance our coverages to provide you with the insurance protection you need.

Some of the important coverages we offer include:

• Unlimited towing coverage

• Pollution liability

• Unladen liability

• Enhanced deductible options

• Non-trucking liability

• Blanket additional insured endorsement

• Cargo pollution cleanup

• Accident travel coverage

• Workers’ compensation coverage

Learn more about the products and services Sentry provides. Call today.

Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com. Policies, coverages, benefits and discounts are not available in all states. See policy for complete coverage details.

688225 05/26/11

Ringwalt & Liesche

Tired of waiting for the market to change?

Send your submissions to: RL@nationalindemnity.comP: 800-708-7448 • F: 402-916-3333 • www.Ringwalt.com

At Ringwalt & Liesche, we’re not waiting around. We’re proud to be an agency that can offer stability regardless of market conditions. Check out our website at Ringwalt.com to learn more, or just give us a call - we’d love to hear from you! • Commercial Auto

• Garage Liability

• General Liability

• Commercial Property

• Workers’ Comp

• Motor Truck Cargo

• Prize Indemnification

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IIASD is looking for nominations for the following awards to be presented at the 2013 State Convention. Please take a few minutes today and email us with the name of a person or persons you feel deserves one of the following awards. Include with your nomination a brief narrative on why this person would be a good candidate for the award.

Recipients will be chosen by IIASD Executive Board and honored at the Convention Awards Luncheon at the Ramkota in Sioux Falls on October 7th. This is your opportunity to show your appreciation for someone who has made a difference in your agency or your insurance career.

Customer Service Representative of the Year Adjustor of the YearAgent of the YearCompany Person of the YearCrop Agent of the Year

Nomination form can be found online at www.iiasd.org

Please send all emails to kathy.johnson@firstwesterninsurance.com

IIASD Service AwardsYour Nomination Counts

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Not sure where to turn for Commercial Auto insurance?

Let the insurance experts at E&L show you the way.

www.ericksonlarseninc.com

Maple Grove, MN 800-442-3168

Fargo, ND 800-284-0965

Madison, WI 888-249-6050

www.nwgf.com INSURANCE FOR: Homeowners Farmowners Modular Homeowners Personal Auto Farm Property Dwelling Property Mobile Homes Excess Liability Farm and Personal Liability Classic Vehicle Semi-Truck

Announcement of Elections

Elections to the IIASD Board of Directors will be held at the State Convention during the annual business meeting on Monday October 7, 2013. The meeting will be at the Ramkota Hotel located at 3200 West Maple in Sioux Falls, S.D.

The following Districts will be voting on Board Members:

District 2 – Beadle, Brookings, Clark, Codington, Deuel, Hamlin, Kingsbury. This is a two- year term. Mindy Huntington current Director will be running again.

District 3 - Clay, Lake, Lincoln, McCook, Miner, Minnehaha, Moody, Turner, Union, Yankton. This will be for a one- year term as Steve Walker is moving up to the Executive Committee.

District 4 - Sioux Falls. This is a two- year term. Chad Dubisar will not be running.

District 5 - Aurora, Bon Homme, Brule, Buffalo, Charles Mix, Davison, Gregory, Hanson, Hutchinson, Jerauld, Lyman, Sanborn, Tripp. This is a two- year term. Janet Noteboom is current Director who will be running again.

District 7 – Bennett, Butte, Custer, Fall River, Haakon, Harding, Jackson, Jones, Lawrence, Meade, Mellette, Pennington, Perkins, Shannon, Todd, Ziebach. This is a two- year term. Annette Conway is the current director and will be running again.

The position of STATE NATIONAL DIRECTOR is up for a three-year term. Gary Joyce will not be running again. The State National Director will be elected by the membership at Convention.

If you have any questions or are interested in running for a director’s position please contact Jerry or Carolyn at the IIASD office. Serving on the Board is an investment in the future of our industry. Step forward and have a voice.

Fireman’s Fund ProGard Insurance Agents and Brokers Errors and Omissions policy has a state-of-the-art softened hammer clause.

If you refuse to settle your claim, you will only bear 20% of the amount and claim expenses of what the claim could have been settled for.

Most competitors require you to pay 100% of the amount and claims expenses if you refuse to settle the claim.

Contact Carolyn Hofer, E&O Administratorat 605-224-6234 or chofer@iiasd.org today to learn more about this and other features of Fireman’s Fund ProGard.

What’s your policy’s

hammer clause?

IIASD ConventionHealthy Heart Campaign

Heart Screening Saves Lives –Heart disease continues to be the #1 cause of death in Americans, even though it is 80% preventable. Now you can stay a few steps ahead with advanced heart screening technology and techniques that can help you protect against and prevent heart disease. The heart screen is just one of many ways you can live better and age smarter.

We are pleased to announce that Sanford Health will have their heart screening equipment at

our IIASD Convention on Sunday, Oct 6th and Monday, Oct. 7th.

Heart Screening test includes: •CTCalciumScore •EKG •Cholesterol(non-fasting) •Bloodpressure •BodyMassIndex •FraminghamScore

CT Calcium Score –Analyzes the amount of plaque on the coronary arteries. The higher the score on your calcium testing, the more plaque you have in the arteries of your heart. This increases your chance of having a heart attack.

EKG –Records electrical impulses as they travel through the heart. Patterns in heartbeats and rhythms may show various heart conditions. Cholesterol (non-fasting) –Measures total cholesterol, HDL and TC/HDLratio. Abnormal results increase the risk of heart disease and stroke.

Blood Pressure –Measures the pressure of the blood against the walls of the arteries. Elevated blood pressure increases the risk of heart disease and stroke.

Continued on Page 25

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P&C NET INCOME, UNDERWRITING RESULTS CONTINUE TO RISE IN 2013; ACCORDING TO A.M. BEST

Continued rate increases and lower losses led the property and casualty carriers to its second consecutive first-quarter underwriting profit in 2013, according to an A.M. Best report. The first quarter of 2013 underwriting results show an improvement over the same period from 2012, with the industry’s combined ratio dropping to 94.7 from 97.4 and underwriting income growing to $4.6 billion compared to $1.5 billion.

The carriers net income climbed to $22 billion in the first quarter compared to $14.2 billion in 2012’s first quarter. Gains were seen in both personal and commercial lines, in part due to lower catastrophe losses Best indicated. Catastrophes accounted for 2.0 points of the combined ratio in 2013’s first quarter compared to 3.2 points in 2012. A.M. Best says several commercial lines showed strong increases in direct premiums written (DPW), notably workers’ compensation (11.1 percent), general and products liability (8.3 percent), commercial multi-peril (7.8 percent) and commercial auto liability (7.6 percent). The Best report indicates that among the major lines of insurance, only two – medical professional liability and accident and health – showed declines in DPW for Q1 2013.

Pre-Licensing Class Announcement

IIASD and A.D. Banker of the Dakotas Have Partnered

We are excited to announce that IIASD and A.D. Banker of the Dakota have partnered to provide insurance and securi-ties licensing preparation classes and materials at a 15% IIASD Member Discount. A.D. Banker offers Exam Prep classes each month in Sioux Falls and quarterly classes in Rapid City.

Class schedules are listed at: www.adbanker.com/dakotas

Self-study and online study options for Exam Prep are also available. Materials and classroom instruction have been very successful with an average of 95% of students taking their license exam passing on the first try!Sandy Kost is the Owner/Managing Director of A.D. Bank-ers of the Dakotas and has worked in the insurance and financial services industry since 1988. She has worked with insurance agents, investment reps, agencies and banks in SD, ND, NE, IA, MN and WI. She has provided training on various products and topics.To register for a class or to order materials, go to:www.adbanker.com/dakotasCall: 605-271-4440 or 877-317-3087. Be sure to use the IIASD Promo/Discount Code to receive your 15% Member Discount. Promo Code: 1594626

PO Box 89846 Sioux Falls, SD 57109-9846

P. 605.361.5705 or 866.440.1840E. beth.dobbs@insurancealt.com

WHOLESALE ACCESS toFirst Dakota Indemnity and Dakota Truck Underwriters,known as the Dakota Group. The DakotaGroup is the largest writers of workers’compenation business in South Dakotaand a leading writer in the Midwest.

Contractors

Healthcare

Hospitality

Manufacturing

Retail

providing workers’ compensation solutions

IIASD 2011 in color FINAL_Layout 1 10/27/2011 3:22 PM Page 1

21

Austin Mutual Insurance Company’s rich tradition and strong South Dakota presence set us apart from other property/casualty carriers.

As the newest affiliate of super regional The Main Street America Group, our two companies are committed to providing you with commercial and personal lines, as well as fidelity and surety bond, products that are competitive in the marketplace.

The Right Mix

Need More information? Call (800) 328-4628 or Visit www.msagroup.com

www.msagroup.com

22

STeAdY ANd True

No company understands the insurance needs of

truckers more than Truckers Insurance Associates

— created by truckers for truckers. And for 60 years,

Truckers Insurance has remained solely focused on

transportation industry insurance. So whether your

clients include a single owner-operator or a full-fledged

fleet, Truckers Insurance will deliver the right coverage at

the right price. Even more, as trucking specialists, we’re

ready to respond rapidly when needs arise. That’s service

you can count on. That’s putting know-how to work.

That’s Truckers Insurance. Call your Truckers Insurance

account manager at 800.652.9515 for a quote today. WE DELIVER MORE

www.truckers-insurance.com 800.652.9515

driven

We commit ourselves to providing you with the highest quality claims and case management services available in our industry. We appreciate your continued support and look forward to serving your needs. Please visit our website for a directory of our staff, services, and coverage area.

Jeff Jares, AIC AIM President

Adjusters – Sioux Falls

Nancy Almendinger SCLA SDWCS Jennifer Andrisen Selzler, Mgr. SCLA AIC CSRP SDWCS

Tim Wieker SCLA AIC HCRI-R, C Christopher W. Madsen J.D. General Counsel

Bill Blackman AIC Lynn Bren SCLA AIC Ron Burmood MBA AIC Kay Greve AIC, INS Dave Johnston SCLA Jerry Matthiesen AIC Dave Sendelbach CPCU AIC Chad Moore Wendi Peterson AIC Amy Kvernmo Kimberly Rausch SDWCS

Adjusters – Rapid City John Keffeler, AIC Bruce Eleeson

Case Managers Donna Passick RN CCM Kelly Rud RN BA LNCC Deb Whipple RN BA CCM Lori Schaefbauer RN BSN CCM

23

FRAUD CONVICTIONS The feds are blocking new home-health providers and ambulance services from taking on Medicare work in three fraud hotspots of the Chicago, Dallas, and Miami areas. This is the first time CMS is using its moratorium authority allowed under health reform. The moratoriums will last six months and were imposed because of the high risk of fraud in those locales. Those areas have logged an unusually high number of providers compared to beneficiaries; rapid increase in Medicare enrollments apps; and extremely high billings. Crooks often migrate to “softer” locales when the feds step up the heat, so CMS will monitor billings in broad geographical areas.

Someone is selling bogus auto coverage in the Omaha, Nebraska area. The apparent scandal was uncovered when police stopped a woman parked in a handicap parking spot. The officer ran her insurance card and found out her supposed Progressive policy was invalid. She said she bought it through a purported Progressive agent, but alarm bells did not go off when he charged her a total of $100. Entrepreneurs are selling false insurance documents to willing drivers who do not want to pay for real coverage, local police say. Innocent drivers also are getting caught up in the scams.

A body shop owner stole insurance money intended for customers, Rhode Island’s AG announced Tuesday. Dino Coccia owns Americar Sales and Collision Center in Pawtucket. He promised to act as a go-between with customers and their auto insurers. Coccia stole their insurance payouts and spent the money on himself. He also sold and rented out vehicles customers had sent in for repairs, bilking 70 clients. He was handed three years of home confinement and must repay $210,000.

A drunken boating outing turned into a sobering 13-year jail term for Joseph Holyfield. The Sacramento-area man drank about 18 beers while boating with his family on a lake, drove his family home afterward, then sped away in his wife’s BMW to meet a drug dealer. Holyfield blew through a red light at 65 mph and crashed into a Kia occupied by afamily of three. The Kia spun in circles and hit a Volvo. The family and Volvo driver all were hurt. Holyfield left the BMW and ran to his nearby tattoo shop, having an employee drive him home. Holyfield then called his insurer Anchor General to say someone stole the car and to make a claim. The California insurance department and Anchor General investigated. Holyfield bolted to the island of St. Maarten after being arrested. Tired of his boozy and druggy behavior there, the St. Maarten police put him on a plane to Puerto Rico, where the FBI arrested Holyfield. His conviction was a second strike, with a previous conviction for attempted robbery. The irate court landed hard on Holyfield, handing him 13 years and eight months in federal prison.

Yury Khandrius used a corrupt doctor’s name to fuel a $77-million Medicare theft plot. Khandrius set up a Brooklyn clinic, pretending he was Dr. Gustave Drivas, a no-show who lent Khandrius his identifiers and prescription pads to bill Medicare for phantom or useless procedures. Khandrius also bribed corrupt Medicare beneficiaries to hand over their identifiers. Patients were given bottles of tap water disguised as allergy meds. At least one child’s name was used to bill Medicare, and Khandrius started forging treatment records once Medicare started nosing around. The feds planted a camera in a clinic room where ring members paid cash kickbacks to the Medicare patients. The room was marked “PRIVATE” and featured a Soviet-era poster of a woman with a finger to her lips and the words “Don't Gossip” in Russian. Khandrius received eight years in federal prison Tuesday.

Why American West Insurance?• Local company with over 60

years agriculture insurance

experience

• Quality products

• Competitive pricing

• Expert claims and

underwriting services

Be Protected. Be Sure®.

yourawi.comTo learn more about AWI contact Bruce Meyer at bmeyer@yourawi.com or call 605-929-2782.

Agribusiness • Farm & Ranch • Farm & Ranch Auto • Personal Auto Excess Liability • Watercraft • Crop-Hail • Multi-Peril

24

Big “I” members whose agency E&O

insurance is written by Swiss Re through

the Big “I” Professional Liability Program

have access to an exclusive risk

management web site.

Log on today to fish for E&O claims

frequency data, real-life case studies and

analysis, sample client letters, sample

agency procedures, agency E&O self

assessments, podcasts on important

E&O topics, and much more.

DON’T GET BITTENBY AN E&O CLAIM YOU COULD HAVE AVOIDED.

Failing to procure coverage requested by the client

Not adequately identifying client exposures

Failing to provide timely notice of a claim to the carrier

Misrepresenting or not explaining policy provisions

Providing inaccurate information to carriers

Failing to properly add additional insureds or loss payees

DON’T BE ON THE HOOK FOR:

www.independentagent.com/EOHappens

Big “I” Risk Management Website

INSURANCE DIVISION OPERATIONS OFFICER PIERRE, SD

BankWest, Inc. a successful and growing financial institution, is looking for a talented individual to join us as an Insurance Division Operations Officer. This position manages in-house information and computer applications in the Insurance division, evaluating and assessing current processes and workflows to ensure systems are fully utilized and producing accurate and reliable information. The position manages and trains staff responsible for daily operations; establishes standard operating procedures; controls expenses while meeting both internal and external quality and service standards, and ensures operational efficiency.

Applicants must be able to work independently, manage multiple projects simultaneously, and have strong communication and interpersonal skills. Bachelor degree in Business Administration or Business Technology along with insurance and operations experience is preferred; or the equivalent combination of experience and education.

Successful applicant must pass pre-employment screening including credit history and criminal record check.

Salary DOQ; excellent benefits. Open until filled.

BankWest is recognized as a market leader in customer care, community re-investment, and depth of services. If you’re looking for a fulfilling career with a winning team, apply on-line at www.bankwest-sd.com, contact your SD DOL local office, or contact BankWest HR at 605-224-7391 (1-800-253-0362).

EO/AA EMPLOYER

United Fire Group

Ad Here:

Independent Insurance AgentPosition available in Miller, SD

Hand County Insurance Agency, an established and growinginsurance agency is searching for a sales focused individualwho is interested in becoming a full time Crop/Hail andProperty & Casualty Agent. Must be inspired to achieveexcellence in their daily sales activities, enjoy working in ateam atmosphere, possess organization and communicationskills, and have knowledge of agriculture. The ability to obtainthe appropriate licenses within 120 days from hire is required.Will train the right candidate. Salary DOQ. Benefit packageprovided. High school or secondary education degree required.

Please forward cover letter

and resume to: EOE.

Hand County InsuranceATTN President PO Box 317 Miller, SD 57362

Body Mass Index (BMI) – Compares a person’s height and weight to establish a healthy weight.Framingham Score –Estimates risk of developing heart disease within the next 10 years.

Heart Calcium Scoring –Heart calcium scoring uses a special X-ray called a computed tomography (CT) scan to find the buildup of calcium on the walls of the arteries within the heart. The coronary arteries supply blood to the heart. Normally the coronary arteries do not contain calcium. Calcium in the coronary arteries is a sign of coronary artery disease (CAD).

The major risk factors for CAD, other than age are: •Abnormallyhighcholesterollevels •Familyhistoryofheartdisease •Diabetes •HighBloodPressure •Cigarettesmoking •Beingoverweightorobese •BeingphysicallyinactiveThe heart screening is recommended once every 10 years.

Screen YOUR heart at IIASD Convention!

IIASD Fire DepartmentGrant Program

In our April Newsletter, we highlighted the 2013 Fire Department Grant Program which involved partnering with the State Fire Marshall’s Office to match their grants of $750 each to 13 Fire Departments across the state who hosted the Firefighter Essentials education program..Nine of these matching grants have been awarded and delivery is being handled by local agents. Recipients are:Belle Fouche FD; Rapid Valley FD; Spearfish FD; Miller FD; Worthing FD;Town & Country FD (Woonsocket); Parker FD; Faulkton FD; Lake Andes FD;Menno FD; Brookings FD; and MinnehahaCounty Fire Chief ’s Assn.

Photos can be found on Pages 30 & 31Funded by IIASD Agents’ E&O Program

OBITUARY

Daniel R. Devine

November 2, 1955 - June 18, 2013

JOIN US IN HONORING THE MEMORY

OF DANIEL R. DEVINE

Daniel R. Devine, age 57 of Yankton passed away Tuesday, June 18, 2013 at Avera McKennan Hospital, Sioux Falls, SD.

Daniel was born November 2, 1955 in Yankton, SD to James and Maxine (Sylliaasen) Devine. He grew up on the family farm north of Yankton and lived there until his death. He graduated from Yankton High School in 1974 and began a lifelong love of farming. On March 28, 1981, he married Jeanne Feilmeier. Together they raised their two sons Jesse and Travis.

He was a passionate fan of all of their activities, and he especially loved baseball. Dan began his insurance career in 1981 writing property/casualty insurance with his father, James Devine. Within a few years, the business became too large to work from home so hejoined Midwest Insurance Agency, a life and health agency. His wife, Jeanne, joined the agency and within a short time, they became sole owners of the business. In 1989, they purchased the Ken Schnider Agency and the following year, purchased the Mike Rossiter Agency. Theirson, Travis, is now a part of the agency operation. Dan was committed to all of his clients andhe particularly enjoyed working with farmers. The last few years, he mainly handled the crop insurance side of the agency.

He was a member of St. Agnes Sigel Catholic Church and Choir of Utica, Knights of Columbus, former board member of the Yankton Baseball Association, Mission Hill Cemetery, Yankton Chamber of Commerce, and South Central League Amateur Baseball. He especially enjoyed his grandchildren, newborn calves, and visiting with anyone and everyone. He had a special charm and wit around his family and close friends, especially Deb.

AFFORDABLE CARE ACT - FOR INSURANCE AGENTS, PROCRASTINATION IS NOT AN OPTION

“You cannot escape the responsibility of tomorrow by evading it today.” ― Abraham Lincoln

Perhaps you were not a fan of the Affordable Care Act and its passage. Maybe you hoped it would go away. Or, you were a fan but assumed someone else in your office would learn about the provisions of the Act, or that you would be able download easy “step by step” instructions on the Act. Well, that is not going to happen. Open enrollment under the Act is scheduled to begin October 2013. As the Act places new demands on insurance agents, you will need to make a conscious decision of whether or not you want to assume the risks of providing insurance services and products in the health care market. There are a lot of moving parts in the implementation of this legislation and becoming aware of the requirements and the risks involved is the first step in that decision making process. It is important that you start educating your agency staff today. For agencies with operations in multiple states, keep in mind that with federal and state based healthcare exchanges there may be different training requirements and other state specific guidelines.

Here is a small peek into some of the issues to consider:

Before 2014 (probably in late Summer or early Fall of 2013), agents who wish to sell coverage through Federal or State Health Exchanges will be required to register with the Exchanges, receive required training (around 5 hours for the Federal Exchanges) on Qualified Health Plan options and insurance affordability programs, comply with security and privacy guidelines, and enter into formal agreements with the Exchanges.

Agents will need to be familiar with the requirements and issues for both the individual and group market-places. However, employer groups with approximately 50 or more employees are likely to seek out insurance agents for advice and consultation on how to structure health care plans. Agents will need to be able to answer complex questions such as:

1.As an individual am I eligible for government subsidies based on my current income level? What if my income changes throughout the year?

2.If my company has 60 employees, could I just turn half of them into part-timers and get around the restrictions of having to offer healthcare coverage to all my employees?

3.As a seasonal employer with the numbers of employees shifting by quarter, how do I count my employees for the purposes of the Act?

4.Is there any benefit to considering stop-loss insurance? Can I as an employer accept the volatility?

5.What do I need to do to structure an insurance program that is affordable and provides the proper degree of services to my employees so that I am not assessed penalties under the Act or is it possible that cutting benefits and costs and taking a penalty still creates benefit for my company?

Does your agency have a plan to meet the requirements for selling health coverage as required in the provisions of the Act? Are you able to answer the questions on individual and group plans presented above? If not, now is the time to fast-track your education on the Act and the role of agents? Your exposure to negligence claims will increase tremendously if you do not have the specialized knowledge and expertise required to assist your clients in becoming compliant with the health care regulations.

Procrastinate no more. The time to start learning is now. Listed below are resources to begin the process: General Information:

•Click here for the Center for Consumer Information and Insurance Oversight general website for up to date information/ guidance from the feds on health care reform and the exchanges.

•An article providing a high-level overview of the role of agents and brokers, including web-brokers and common questions raised by states and other stakeholders on the role of agents and brokers in all Marketplaces.

•PowerPoint slides from a CMS webinar providing insurance agents with program and operation guidance about the health insurance marketplace created by the Affordable Care Act.

Tax Considerations:•Click here for the IRS website addressing tax provisions related to the Affordable Care Act.

Putting off an easy thing makes it hard. Putting off a hard thing makes it impossible. ~George Claude Lorimer

FREE Continuing Education Seminar

YOU’RE INVITED

Locations: Sioux Falls: Cherapa Place 300 Cherapa Place 3rd Floor Sioux Falls, SD Deadwood: Deadwood Mountain Grand 1900 Deadwood Mountain Drive Deadwood, SD

M a r k y o u r c a le n d a r ! P la n t o a t t e n d !

Understanding How Regulatory Entities Impact Your Work Comp Clients

Time: 1:00p – 1:30p Registration

1:30p – 4:30p Seminar

4:30p Social

www.rascompanies.com Your No. 1 South Dakota Workers’ Compensation Provider, RAS.

for South Dakota Agents:

Open to: Agents, RAS Insureds, and WC Insurance Prospects

Questions? Email Beth Dobbs at beth.dobbs@rascompanies.com

Jan Feterl at jan.feterl@rascompanies.com Steve Lincoln at steve.lincoln@rascompanies.com

To Register Contact melinda.stien@rascompanies.com by August 19

Limited Seating Available

RSVP Early!

NCCI Facts and Information Roy Wood, NCCI

When OSHA Pays a Visit; the Inspection and the Regulations John Gold, RAS

3 Hours of CE Credits Pending

Sioux Falls, SD 09.11.13 Deadwood, SD 09.16.13

The National Council on Compensation Insurance and The Occupational Safety and Health Administration

Lake Andes Fire Department receiving their check from Jayme Bergin and Patti Ronfeldt who are agents at Randall Lake Insurance

Menno Fire Department receiving their check from Shelley Lehr who is an agent with Lehr Insurance.

IIASD Firefighter Essentials Grant Program

Miller Fire Department receving their check from Kristi Prince who is an agent with Hand County Insurance,Cheryl Fanning who is also and agent with Hand County

Insurance, Suzy Blaseg who is an agent with Coss Agency and Connie Zemlicka who is an agent with Quoin Insurance Agency, Inc.

Woonsocket Fire Department receiving their check from April Johnson who is an agent with First National Insurance and Jim Hegg who is an agent with Hegg Insurance

T

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Questions? Contact Independent Insurance Agents of South Dakota: visit www.iiasd.org; phone 605-224-6234; or Email klongbrake@iiasd.org

The Magic Starts with Trusted Choice Independent Insurance Agents of South Dakota

2013 CONVENTION & TRADE SHOW Best Western Ramkota Hotel

3200 W Maple St, Sioux Falls, SDOctober 6-7-8, 2013

EXHIBITOR REGISTRATION CLOSES ON SEPTEMBER 17th

Name _____________________________________________ Spouse ____________________________________ (Print as you wish it to appear on badge and roster) Will spouse attend spouses’ function? yes no Agency or Company Name __________________________________________________________________________ Address ___________________________________ City ________________________State _______Zip ________ Phone _________________________________ E-mail Address ____________________________________________

Check if you are: Agent Company Exhibitor

Payment must be sent with this form. (Checks payable to IIASD)

Payment: �Check Enclosed; or �VISA �MasterCard �American Express

Card No. ______________________________________________Card Verication No.______ Exp. Date _______

Billing Address ________________________________________________________________________________

Cardholder Name_____________________________ Signature __________________________________________

Independent Insurance Agents of South Dakota, 305 Island Drive Fort Pierre, SD 57532 Phone 605-224-6234; Fax 605-224-6235; or Email klongbrake@iiasd.org

Convention HotelBest Western Ramkota

3200 W Maple St, Sioux Falls, SD Phone: (605) 336-0650 (Tell them you are with the IIASD Convention.)

REFUND POLICY: Full refund allowed anytime prior to September 17, 2013. After September 17—no refunds allowed.

GOLF TOURNAMENT Prairie Green Golf Course

2604 W Russell St, Sioux Falls,SD Sunday, October 6th, 2013

Shotgun start 1:00 PM 18 Hole Tournament; $80 per entry

(Entry fee includes green fees, cart, and prizes)

Name 18 Hole Avg ___________________________________ ______

___________________________________ ______

___________________________________ ______

___________________________________ ______

REGISTRATION FEES

Registration fee entitles registrants access to all exhibits, seminars, social events, meals, scheduled entertainment,

hospitality suite, etc. See “Agenda” on reverse.

Member or Company ($135) _____

Spouse ($85) _____

Non-Member ($200) _____

Golf Tournament ($80) _____

*Early Bird Drawing will be for Members registered before September 17th.

TOTAL ENCLOSED _____

ALL Registrants must complete the individual event registration form- Page 2

POWER IN PARTNERS August 2013

DIAMONDProgressive Insurance Co.

Great Plains BrokerageGraber & Associates

PLATINUMFarmers Mutual of NebraskaRisk Administration Services

Great American Insurance CompanyNAU Country Insurance

GOLDAustin Mutual Insurance Compnay

Dakota Claims ServiceThe IMT Group

Le Mars Insurance CompanyNorth Star Mutual Insurance Company

Rain & Hail, LLCUnited Fire Group

SFM Mutual Insurance CompanyState Auto Insurance CompaniesCGB Diversified Services, Inc.

Columbia Insurance GroupAllied Insurance

Western National InsuranceContinental Western GroupLiberty Mutual Insurance

Avera Health Plans

SILVERAcuity

Doss & AssociatesFarmers Alliance MutualMidwest Family Mutual

SafeCoSwiss Re

Risk Placement Services

BRONZEAuto-Owners InsuranceBjornson/Sentinel E & L

Buckeye Insurance GroupCenter Mutual Insurance Co.

Insurance Alternatives, LLC Missouri Valley Mutual Insurance Co.

Northwest GF Mutual InsurancePatriot National Insurance Group

ReliaMax