insurance insider - Independent Insurance Agents of Dallas

Dallas
INSURANCE INSIDER
All Industry Day
Special 10 Page Edition
Past Presidents Luncheon
Page 7
Volunteer of the Year
Page 17
Underwriters of the Year
Page 21
WINTER 2013
OFFICIAL PUBLICATION OF THE INDEPENDENT INSURANCE AGENTS OF DALLAS
Great American Insurance
Claims Group
ECA Division
Restaurants
Retail Business
Hospitality
Hotels
Motels
The Road to a
Better Alternative
PEI Protection for Texas
employers who choose to be
non-subscribers to Workers’ Comp
Health Care
Home Health
Nursing
Learn More: 972-931-2026 14350 Proton Road Dallas, TX 75244
Transportation
Manufacturing
txnonsubscriberpolicy@gaic.com
Celebrating 130 Years
DALLAS
INSURANCE INSIDER
1883
EST.
contents
Independent Insurance Agents
of Dallas
ARTICLES
Where We Began12
130 years of IIAD
DII Honors John Taylor 13
of Roy L. Taylor & Sons Carrier Spotlight
14
America First Insurance
Employers - WC Fraud
19
YOUNG AGENTS - SERVICE PROJECT
SEE PAGE 23-24
FEATURES
IIAD Legacies
5
2013 New Members
6
All Industry Day
31 - 41
InVEST
46 Published by
Independent Insurance Agents of Dallas
12001N. Central Expressway, STE. 100
Dallas, TX 75243
www.iiadallas.org
Linda Farris - Editing & Design
5
7
9
11
In Every Issue
Index of Advertisers
Executive Summary
Presidential Address
Young Agents Corner
WINTER 2013 ISSUE 3
IIAD Executive Staff
Tammy Land
Executive Director
TLand@iiadallas.org
Linda Farris
Communications &
Marketing Director
Linda@iiadallas.org
Angie Miller
IIAD Staffing Services,
Division Director
Angie@iiadallas.org
Schedule of Advertisers
Noemi Obenhaus
Administrative Assistant
Noemi@iiadallas.org
Independent Insurance Agents of Dallas
12001 North Central Expwy | Dallas, TX 75243
(p) 214-217-2900 (f) 214-360-9989
www.iiadallas.org
Page
2
10
12
15
16
18
19
20
21
23
25
27
28
29
30
42
44
45
48
Advertiser
Great American Insurance Agency
Texas Mutual Insurance Company
Philadelphia Insurance
IIAD Staffing Services
Western Security Surplus
AmWINS Brokerage of Texas
U.S. Risk Underwriters
Towerstone
The Republic Group
Midlands Management of Texas
Blackmon Mooring
Burns & Wilcox
CRC/Crump Insurance Services
WebCE
Hull & Company
Swett & Crawford
The Insurance Record
Tejas American General Agency
Myron Steves
IIAD
LEGACIES
RAGLAND
BOWLES
ELLIS
SLEEPER
MEDLIN
Don Medlin
1995
Rod Medlin
2013
WINTER 2013 ISSUE 5
W
e
l
c
o
m
e
N
e
w
M
e
m
b
e
r
s
6 DALLAS INSURANCE INSIDER
Bunker Hill Underwriters
800 Gessner Suite 600
Houston, TX 77024
Mooring Recovery Services
2110 113th Street
Grand Prairie, TX 75050
Premium Funding Associates, Inc.
5512 W Plano Pkwy Ste 100
Plano, TX 75093
Box Insurance Agency
1200 S Main Street Suite 1600
Grapevine, TX 76051
American Technologies
1366 W. North Carrier Pkwy
Grand Prairie, TX 75050
S.H. Smith & Company
20 Church Street Suite 1500
Hartford, CT 06103
Long Insurance Agency
400 Chisholm Place Suite 107
Plano, TX 75075
B. Crawford Insurance Services
16660 N. Dallas Parkway #1000
Dallas, TX 75248
PentaRisk Associates
12770 Coit Rd., Suite 750
Dallas, TX 75251
Texas Independent Insurance
1420 W. Exchange Pkway #130
Allen, TX 75013
PayChoice
1155 E. Kas Drive, Suite 150
Richardson, TX 75081
B. Crawford Insurance
Staying
Power
by Tammy Land
IIAD Executive Director
W
e enter the New Year with a feeling of expectancy, renewal and excitement for what a new
beginning can hold for us. We set goals and resolutions and promise ourselves that we will keep
them…at least for a few weeks. What keeps us on track, so we can achieve long-term success? How
do we persevere when temptations and other influences would attempt to derail us?
You’ve heard the saying that we need to think of it as a marathon, not a sprint. Fall off the horse and
get back on. Our industry is full of stories of folks that have made insurance their life’s work, and
passed that torch on to their children and grandchildren. We have second and third generations in
our own membership: Frederiksen, Patterson and Spurgin to name a few.
In acknowledgement to our history, we spent time with our resident historians; Don Houseman, John
Taylor and Stan Bullock. See their stories on page 13.
Our membership can boast of its many carriers with staying power, too. One such company, Liberty
Mutual, started as a Workers Compensation carrier in 1912. DII interviewed Rich Meuret regarding
the changes in store for America First as it transitions to the Liberty Mutual brand. Their story is w
featured on page 15.
Even the association itself can brag about its longevity. Did you know that IIAD was founded in 1883?
Two of our presidents followed in the footsteps of their fathers who also served as IIAD presidents:
Bill Sleeper & Dwight Sleeper, Don Bowles Jr. & Don Bowles Sr. And our current president, Rod
Medlin, is now the second Medlin to provide leadership, as did his brother, Don.
We also want to recognize two special families that provided three generations each of leadership:
The Ellis family and the Ragland family. From the Ellis family, we were served by Tom P. Ellis, Porter
Ellis and Tom P Ellis III. From the Ragland family, we were served by Alfonso Ragland, Cruger Ragland
& Scott Ragland. Thank you to these families for your dedication to this association.
Our history is rich. Yes there have been trials, but the association is as strong now as it ever was. The
recent IIAD All Industry Day at Cowboys Stadium on October 30th was hugely successful. It achieved
a record-breaking attendance and profitability! Enjoy the pictures throughout this edition of DII.
Thanks again to our sponsors and exhibitors for making it possible. A complete list can be found on
page 31 -33.
We have much to be excited about in 2013, and should pause to ponder on what the next 130 years
will hold. Happy 130th Birthday, IIAD!!
Don Houseman
Frank Swingle, Stan Bullock, Jim Millerman
Don Medlin
•IIAD 2013
•PAST PRESIDENTS'
•LUNCHEON
Robert Ferguson, Pat Bonds
Back row left to right – Robert Ferguson, Pat Bonds, Frank Swingle, Stan Bullock, Jim
Millerman, Karen Farris, Gaylon Brown , Don Medlin & Chris Hughes, Front row, seated left to
right – John Taylor, Don Houseman, Karen Bitzer, Pat Arthur, Bill Sleeper
InVested
by Rod Medlin
2012-2013 IIAD President
T
he Election came and went. The sun came up. The Mayan
Apocalypse not so much. The Fiscal Cliff, we stepped
over it. Seems like everything we see and hear and fear is
all hat and no cattle. The Lord smiles on Texas. Things are
tough in business in Texas, but not as tough as in other states. Unemployment is high in Texas, but not as high as in other
states. We are the only state in the Union that was formerly a
separate country. We only have a Legislature in session every
other year thereby reducing the adverse potential of politicians
by one half compared to the other 49 States. These words still ring true 176 years after they were
presented. “Texas has yet to learn submission to any oppression, come from what source it may.” Sam Houston. As a seventh generation Texan I am proud to have a small part in guiding our Association into its 130th
Year of Success. We are the land of entrepreneurial business. Texas business has a habit of being a
little more fleet afoot in reacting to perceived threats. In planning ahead. In taking care of our own. In
preparing for a rainy day and in taking advantage of opportunities. These basics have been true for the
past 130 years and will remain so for the next 130 years yet to come. Toward that end IIAD is proud to announce that we will be launching Project InVest. We are starting
it this month with students and faculty at Woodrow Wilson High School (which, by the way, is the only
school in the nation with two Heisman Trophy winners: Davey O’Brien & Tim Brown.) Project InVest
will lend the Association considerable inertia and support in educating a new generation of Texans to
staff and grow our Independent Agency Brand and Industry. InVest has been in operation since 1970,
but this new initiative, ramrodded by Ben Patterson, will breathe new life and momentum into the
educational efforts to prepare high school students for entry level positions in our industry.
We will need help in the classroom, help with summer internships and help with financial support for
scholarships. This is a great, proactive way to perpetuate our industry for the benefit of both personal
and commercial insurance consumers in the Metroplex and throughout Texas. If you, your agency
or your company can contribute volunteers for specialized training modules to be presented in
class or hands on technical practical application
workshops your input is vital and requested.
2012 - 2013 Board of Directors
It is also absolutely appropriate that we
should want to push Invest into other
schools…High Schools and Community
Colleges. If there is anyone who has
connections to help us grow InVest, we
want to hear from you. Please contact the
IIAD office to get involved in this important
initiative. With a little concentrated effort we
can make Project InVest a success for us all
and make Invest succeed in Texas for Texans.
• Rod
WINTER 2013 ISSUE 9
“Stability is a reflection on the agent.
Texas Mutual is consistent in all
aspects of its business.”
like consistency in the marketplace. That’s why it’s important to work with
“Customers
a company that has a track record of reliable service. Texas Mutual has created a very
© 2013 Texas Mutual Insurance Company
stable market and is consistently responsive in every aspect of workers’ comp — and now that
they have an ‘A’ rating from A.M. Best, we have further proof of their strength and stability.”
Patrick Watkins, CIC, CRM
President, Watkins Insurance Group
To learn more about workers’ comp insurance from
Texas Mutual Insurance Company, call (800) 859-5995 or visit www.texasmutual.com.
Texas Mutual Insurance Company is rated ‘A’ by A.M. Best Company.
10 DALLAS INSURANCE INSIDER
John Wesley once said:
“Catch on fire with enthusiasm, and people
will come for miles to watch you burn.”
B
efore I began my career in insurance, I spent a few
years on staff with a local nonprofit mentoring youth
in Dallas. For two years I spent most of my time around
junior high and high school kids. I coached soccer, track,
spoke at schools and walked the lunchrooms and hallways trying to build trust and respect. I wanted to connect with the kids on their level. I wanted to get inside their world and understand their
hearts. I wanted to show them, through my actions, that the only difference between me and them
was simply a few extra years of life.
A
fter a year of hanging out with kids nonstop, I started to remember what it was like to be in
high school again. I remembered the feeling of Friday night lights with the band playing in the
background, the feeling of getting behind the wheel of my Jeep for the first time, the roar of the
crowd when I would score, the emotions that came with victory and loss, and of course the feeling
of my parents’ wrath after missing curfew. I started to feel “young” again, and the kids started to
see me as one of them. That’s when my impact on their lives started to become real.
A
s I look back and reflect on that time in my life, I recognize that those kids also spoke into my
life without even knowing it. They helped me remember what it was like to be ambitious, full of
passion, energy and creativity. They helped me revisit those moments in my life where my dreams
didn’t sound crazy – where the sky was the limit and the possibilities were endless.
Y
oung producers have the ability to create a similar effect on their organizations. They can come
into an office and breathe new life into older producers, reminding them of what it was like
when they first started. Young producers are full of passion, enthusiasm, and creative ideas, and
most importantly, they play pure offense.
T
he lesson I learned during those first few years out of college serves as a reminder to me to
always surround myself with people who guard their hearts and minds against complacency.
Unfortunately those kinds of people are rare, especially in our industry.
F
ew things concern me more than when I look around a room full of seasoned insurance professionals who are just going through the motions. They aren’t
growing in their knowledge or exercising their creative minds
because the passion they once had for the game is gone. They are
tired, beat down by the nature of the business, and it’s just not fun
anymore. They are playing defense.
A
ll of this is to say that young producers have an opportunity to
impact their organizations in ways that go far beyond the revenue size of their personal books of business. They remind everyone around them of what it was like to have passion and enthusiasm, creating a ripple effect of increased productivity throughout
an entire office. And it’s a beautiful thing to watch.
Adam Sammons
Young Agents Chairman 2012-2013
Where we began
A++ (Superior) on our 50th Year!
Thank You.
Thank you to our producers and employees for helping
Philadelphia Insurance Companies earn an “A++” rating
from the A.M. Best Company. Only about 3% of all U.S.
insurance companies, have this rating. PHLY’s commitment
to underwriting discipline and our partnership with the Tokio
Marine Group, one of the strongest and most reputable global
insurance groups, allows us to celebrate this achievement
during our 50th anniversary.
Thank you to more than 13,000 agents and brokers who work
with PHLY to insure responsible and profitable risks. Your
partnership allows us to be there for our customers when they
need us the most.
All of the 1,548 PHLY employees and everyone who’s worked
at PHLY over the last four decades deserve a special thank
you and congratulations. Your commitment and service is
an invaluable part of our success and I’m proud to share this
accomplishment with you.
James J. Maguire, Jr.
Chairman & CEO, Philadelphia Insurance Companies
T
he insurance agent rode slowly across the Texas plains. His horse
kicked up whirls of dust that parched his throat. His prospect would
show him the cotton gin, barn, or farmhouse to be insured.
w
This was the insurance business in 1883 in a small town called
Dallas, population 4,000. Richard Coke was governor and General
Ulysses S. Grant was in the White House. The town and the insurance
agent faced many obstacles in order to realize their potential.
T
he first challenge of the insurance agent was establishing rates. Six
independent agents came together to form the Dallas Board of
Underwriters and published the first rate book for the city of Dallas.
W
ith the agents paying dues of one dollar each, they formed the
foundation of what would become know as the Independent
Insurance Agents of Dallas.
I
n 1930 the organization adopted the name, “The Dallas Association of
Insurance Agents”. At the request of the City Manager, a committee
of agents made a survey of the city’s insurance program. From that
request, the Insurance Placement Board was created. This board
oversaw all of the city’s insurance coverages, as well as being responsible
for underwriting. The commissionable funds generated were used to
run the association. At year end, each member would then receive an
equal share of the commission balance, if any. It produced revenues for
the association until 1982 when it was ordered to be disbanded. Being
forced to look at other ways to generate revenue, Insurance Employment
Services began and the dues schedule was increased.
D
uring the years since the first insurance agency was established,
Dallas has become an important center of insurance management
in the Southwest. Today, IIAD is committed to continuing education for
our members, establishing a large network of peers and maintaining a
voice in Congress.
T
800.873.4552 | PHLY.com
he IIA of Dallas has greatly expanded since its humble beginnings.
Our association has grown to over 225 members. In addition to
our agent members we are fortunate to have associate members that
support the Independent Agency Channel in the Dallas area. Included
are insurance companies, managing general agencies, claims repair and
restoration, publishing, employment, financing, computer services and
consulting, attorneys, auto body repair shops and risk management
consulting.
T
hese valuable members support IIAD by their participation as well
as their financial assistance. They serve as committee members and
chairs lending valuable expertise to the endeavors of the association.
A
s the IIAD moves through the 21st century, we are committed to
keeping the members connected and informed with the development
of a cutting edge website. Our IES Division continues to be a great
member benefit.
Philadelphia Insurance Companies is the marketing name for the insurance company
subsidiaries of the Philadelphia Consolidated Holding Corp., a Member of the Tokio
Marine Group. | © 2012 Philadelphia Insurance Companies, All Rights Reserved.
I
IAD will also increase visibility of the independent agent and continue
to support the citizens of Dallas through programs like InVEST, that
was recently launched at Woodrow Wilson High School in east Dallas.
T
he longevity and stability of the IIAD is enticing to potential
members who soon learn why the association has withstood more
than a century.
12 DALLAS INSURANCE INSIDER
IIAD Legendary Notables
DII Honors
John Taylor
Don Houseman & Linda Farris
D
Stan Bullock and John Taylor
D
II recently visited with three of our
Legendary Past Presidents, Don
Houseman, Stan Bullock and John
Taylor at the Past Presidents’ Luncheon
in January. Mr. Houseman’s term was
1955-56. He was the earliest past
president in attendance. Mr. Bullock’s
term was 1986-87 and he actually
served as IIAD Executive Intern in 1999.
II honors Mr. John G. Taylor
of
Roy L. Taylor & Sons as the
longest producing agent still working
in the business. Mr. Taylor’s IIAD
presidential term was 1978-79. He is
a wealth of historical information to
the association. Forever smiling and
jovial, he tells us of his graduation
in 1948, serving our country in the
armed forces then coming home to
work in his father’s business. For over
89 years Roy L. Taylor & Sons remains
in its original location in downtown
Dallas at Main & Akard. Thank you
Mr. Taylor for being a great example
of the Independent Insurance Agent
and keeping the flame burning for the
independent agency channel.
America First Insurance Brand to Migrate to
Liberty Mutual Insurance
DI sat down with Rich Meuret, recently named President of the carrier’s
Southwest region. “Liberty Mutual Insurance is a growing, evolving organization,”
said Meuret, as he described the transition that is taking place at the carrier.
“America First had a strong brand regionally, but the Liberty Mutual brand
resonates more strongly with our independent agents.” The transition from
America First branding to Liberty Mutual will occur over the course of 2013.
Why the change? Meuret stated that first and foremost, the change was
driven by an open dialogue with their agency force. The realignment brings all
commercial lines operations under the Liberty Mutual Insurance brand and provides
agents and brokers serving all-sized mwarkets with a single point of access to a
wider-array of products and services.
“The ability to provide everything from a main street business owner policy to
complex products where a policyholder can share in risk or be rewarded for better
performance enables us to better service our agents and policyholders,” added
Meuret.
The carrier will have a more centralized
function of several departments, including
actuarial and finance. They are also investing
in local underwriting and field resources. The
ultimate goal is to provide a clear value
proposition for their agents, marked by superior
relationships, broad products and ease of doing
business that includes a local presence and local
decision making.
What will be new? The realignment allows
for optimization of technology, and the ability
to leverage the scale of the fourth largest
commercial lines insurer. It also allows for
new product development and innovation. The
company launched a new underwriting platform
Built for the Industry, by the Industry
is committed to the
success of your business by finding the right
employee for you. We go the extra mile to
screen, interview and place full-time or temporary
candidates. Our heart goes into recruiting for you!
IIAD Staffing Services
1883
EST.
Independent Insurance Agents
of Dallas
A Member Benefit of the Independent Insurance Agents of Dallas
Angela Miller
Division Director
214-360-0794
angie@iiadallas.org
www.iiadallas.org
in 2012 called eCLIQ™, which is their underwriting platform for small and medium
commercial business. It allows for policy quoting, rating and issuance. This will
be expanded to all middle market business going forward. Additionally, they
are expanding their underwriting appetite, adopting a new claims system and
introducing a new Mutual Partners program to recognize their top performing
agencies.
Also, look for a more comprehensive strategy as it pertains to commercial lines
marketing.
Meuret spoke frankly about the carrier’s relationship with the independent agency
channel, “We invested in independent agents with the formation of Agency
Markets 15 years ago, as well as more recently divesting our direct sales force
in our middle market commercial business.” The carrier is looking to enhance its
franchise value and considers Texas a very important part of its strategy.
The short-term focus for Meuret and his team is to: 1) Grow profitably,
2) Enhance agency relationships, 3) Execute the realignment seamlessly,
and 4) Focus on putting the right people in the right positions.
WINTER 2013 ISSUE 15
Volunteer of the Year
In Action---
16 DALLAS INSURANCE INSIDER
of
Volunteer of the Year
Lori Snelson
T
his year, there was no question as to whom we would be nominating for this award. Lori Snelson was involved in so many aspects of the association that
we probably should have put her on the payroll! Here is a list of some of the things she did for
us this year:
L
ori was an active member on every single one of our committees, with the exception of
the Young Agent Committee, Not only did she volunteer to be on those committees, she
actually showed up to most of the meetings and took an active role in contributing to the
committees.
L
ori perpetuated the membership of IIAD. Every chance she had, she sold the benefits of
being a member of IIAD, encouraging participation in and sponsorship of our events.
We actually wished we could clone her!! The best source of business, as all of you know, is
referral business, and we received numerous sponsorships and new members as a result of
her referrals.
L
ori drove in a $5000 annual sponsorship from her organization. We had been told by
her predecessor that their corporate office was restricting their dollars for 2012-2013, and
would not be doing an annual IIAD sponsorship this year. However, our “Special Volunteer
of the Year” wouldn’t take “no” for an answer. She worked diligently to sell the corporate
office on why they needed to renew their sponsorship of IIAD and got the job done.
F
inally, every day that Lori comes into the IIAD office she puts a smile on the faces of
those around her. Her fellow committee members, the IIAD staff and board have all
been on the receiving end of her kindness. She is a joy to work with. We greatly appreciate what Lori brings to the table in her hard work, diligence and cheerful disposition.
Lori’s middle name is “Help You”.
W
hen you see Lori Snelson congratulate her on being this year’s IIAD Volunteer of the
Year!! Thank you, Lori, for all you do.
WheN IT comeS To Tough INSurANce rISkS,
you Need A TeAm ThAT cAN do All The heAvy lIfTINg.
When you work with AmWINS Brokerage of Texas,
you’re working with the largest full-service wholesale
broker in Texas and the largest property and casualty
wholesaler in the country.
We provide our clients with the resources of a global
organization and the customer service of a small niche
firm – a combination that enables us to not only find the
most competitive market for your challenging accounts,
but to service it locally and effectively.
And with the AmWINS team working hard for you behind
the scenes, your clients will think you’re simply brilliant.
ProducTS
Property | Casualty | Financial Services
Worker Injury | Marine/Energy | MGA Facilities
vAlue Added ServIceS
Market Research | Dependable Service
New Programs | Claims Department | Legal Team
5910 N. Central Expressway, Suite 500
Dallas, TX 75206 | 214.528.3999 | 800.528.5544
amwins.com
18 DALLAS INSURANCE INSIDER
Farewell to One of Our Own
GASTON JOSEPH “JOE”
WOOD
of Dallas, TX
passed away peacefully
in his sleep at home on
January 21, 2013.
Born on December 18,
1938 in Jacksonville, TX.
He was the son of the
1938-2013
late Col. Gaston Milling
Wood (U.S. Army ret.) and
Alice Bryson Wood. He is survived by his wife of
51 years, Judy; son, Ben Wood and daughter Lyle
(Lewis McLeroy); 3 grandsons, Dalton, Bryson and
Walker McLeroy. He is also survived by numerous
extended family and friends.
He spent his early years in Athens, TX and moved
to Dallas, TX at the age of 12. Joe graduated from
Adamson High School in 1956 where he played
baseball. He was a member of the 1956 State
Championship Varsity team. He was a lifetime
member of the Episcopal Church and, as a young
boy served as an acolyte at Christ Episcopal Church
in Oak Cliff. He attended Texas A&M University
where he also played baseball. He graduated
from The University of North Texas in 1960 with a
degree in Marketing. While at North Texas, he was
a member of Theta Chi Fraternity in which he was
named Best Pledge and was a founding member of
The Savage Club.
Joe was involved in the Boy Scouts of America for
many years. He started as a Cub Scout and then
joined Boy Scout Troop 128. He was awarded the
Wynne Award as Outstanding Scout in 1953 and
also achieved the rank of Eagle Scout in the same
year. As an adult, he was Scoutmaster for Troop 577
and Assistant Scoutmaster for both Troop 897 and
456. He also was Chairman of the National Eagle
Scout Association during the 1980’s. His scouting
experience also extended to the International level.
Joe loved participating in other activities (Indian
Guides, Indian Princesses and sports teams)
involving his children and many of their friends.
Some of his greatest joys in life came from sharing
with both family and friends his love of hunting and
other outdoor activities.
cont. on page 29
U.S. Risk Underwriters
ACCESS THE EXPERTS
We Like Hairy Risks!
More classes available
on a brokerage basis
For more information please call:
Dallas 800.232.5830
www.usrisk.com
WINTER 2013 ISSUE 19
Contact us for a fast, competitive quote!
Towerstone, Inc. is a dynamic wholesale insurance
broker and Managing General Agency providing
diverse market access and industry expertise to
insurance agents and brokers representing a wide
variety of industries.
We are employee-owned; which means you can
rest assured that we have a stake in your success.
Our professionals enjoy long-standing
relationships with numerous brokerage markets,
allowing us to best meet your needs, with
nationwide service. Let us help you find effective
solutions for your risk management needs.
Towerstone provides:
• Expertise in energy and construction
• Custom designed insurance programs
• Industry-specific risk management
• In-house binding authorities
• Hands-on approach to claims settlement
A proud member of:
• Association of Energy Service Companies
(AESC)
• Independent Insurance Agents of Texas (IIAT)
• National Association of Professional Surplus
Lines Offices, Ltd. (NAPSLO)
• Texas Surplus Lines Assn., Inc. (TSLA)
• American Association of Managing General
Agents (AAMGA)
Dallas
Centura Tower
14185 Dallas Parkway, Suite 1000
Dallas, TX 75254
972.725.2100
San Antonio
One Village Park
14607 San Pedro, Suite 290
San Antonio, Tx. 78232
210.587.1380
www.towerstonecorp.com
info@towerstonecorp.com
20 DALLAS
INSURANCE
INSIDER
CA: dba Towerstone
Insurance Services (Lic#0F60676)
IIAD UNDERWRITERS
of the
YEAR - 2013
These candidates were picked for their
commitment to continuing education, support of
industry and charitable causes to benefit the larger
community, leadership skills, drive for excellence
and superior development of professional agency/
company relationships.
Benefits
Specialist
Real Deal
GINA ESCOBAR
employed by:
This was the first year we recognized a Benefits
Specialist in our effort to truly be an “All Industry
Day” event. Gina was described as “willing to help
with enrollment spreadsheets, paperwork and
meetings, going above and beyond the call of duty
to make sure that our clients are satisfied. Her
extraordinary service allows agents to provide
a higher level of service to their customers. She
answers the phone and offers a turnaround time
that is untouchable. Congratulations to the
inaugural winner, Gina Escobar of Benefit Mall.
Property & Casualty Underwriter
SHAWN WARD
Not
ln Texas, there's only one real choice.
Other companies might claim to be the
regional company of choice in Texas,
but there’s only one authentic choice...
The Republic Group.
We’re the local folks.
employed by:
Shawn is sited as “having the flexibility and
freedom to underwrite with a sense of ownership
in the book of business they are building with
an agency.” He goes out of his way to deepen
relationships with producers and account managers.
Shawn answers the phone, and does not hide behind
voicemail. Working so hard, he doesn’t have time to
work on his golf game, which reportedly is horrible!
www.RepublicGroup.com
5525 LBJ Freeway
Dallas, Texas 75240-6241
800 344 2275
The companies of The Republic Group are: Republic Underwriters lnsurance Company, Southern
lnsurance Company, Republic Fire and Casualty lnsurance Company, Republic-Vanguard
lnsurance Company, Southern Vanguard lnsurance Company, Southern Underwriters lnsurance
Company, Southern County Mutual lnsurance Company, Republic Lloyds.
2013
Your Property & Casualty Insurance Source
Coverages available through A.M. Best “A” Rated Carriers
• Contractors General Liability
• Data Breach
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For additional information, please contact:
Phone: 800.800.4007
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midlandsmgt.com
22 DALLAS INSURANCE INSIDER
#
F
or 2012 and 2013, the Young Agents of Dallas
have decided to take on a service project that
is closely related to our industry. We depend
on first responders to preserve life and property
when the unexpected happens as well as before.
In the process of doing this, they minimize losses
for insurance carriers and agents. Unfortunately,
manpower and monetary resources are spread thin
and have to be prioritized.
A of Dallas are helping by partnering with the
Dallas Fire Department in the Adopt A Station
Program (http://dallasfirerescue.com/adopt/adopt.
htm). Adopt-A-Station is a program designed to
assist the City in its efforts to maintain, refurbish,
and renovate fire stations. Citizens and businesses
are encouraged to involve themselves within the
community and contribute time, funds, goods or
services to benefit our firefighters and paramedics.
A Dallas selected fire station 14 as their Adopt
A Station. Station 14 is located in Oak Cliff on
the corner of Polk and 12th Street in Dallas, TX. It
is led by Chief Louie Bright III. The station was built
in 1966, and houses 3 shifts of 8 men and women
for each shift. Some of the immediate needs for
the fire house were individual seating, linens, ceiling
tiles, and landscape. For 2012, the YA decided to
tackle seating by purchasing two leather recliners.
The firefighters were able to discard a well used
Y
14
sofa and replace it with the YA gift. They stated
that chairs can be wiped down after use and is
more appropriate to relax in and get ready for the
next call.
he donations from IIAD members at the YA
October Social and the Punt Challenge at All
Industry Day made the purchase of these recliners
possible. The YA delivered the recliners and had a
pizza party for the members of Station 14 on Dec
15th with a suprise visit from Santa. Needless to
say the Firehouse was elated and started to use
the chairs immediately.
here is still much work to do and YA will
continue to support Station 14. Together with
your attendance and support at all YA events we
will be able to complete our goals.
YA
T
T
Y
WINTER 2013 ISSUE 23
24 DALLAS INSURANCE INSIDER
IIAD Past Presidents
Name
YrsServed
Company
R.W. Thompson
1930-1931
Kirkpatrick-Thompson
Tom Ellis
1931-1933
Ellis - Smith & Company
Ed Rose
Cruger S. Ragland
1972-1973
1973-1974
Rose & Rose
Ragland, Strother & Lafitte
Eric Gambrell
1933-1935
Seay & Hall Insurance
Joe B. Roberts
1974-1975
Wiley Roberts & Son
Arthur Simpson
1935-1936
Simpson & Cathey
Donald W. Greaves
1975-1976
Noel-Greaves Insurance
Richard McLarry
1936-1937
Richard H McLarry & Co.
Max D. Ligon
1976-1977
Ligon, Gump & Ligon
Paul Kirkpatrick
1937-1939
Kirkpatrick-Thompson
J Robert Carter, JR.
1977-1978
Chas. L Dexter & Co.
Fred Mallinson
1939-1940
Fred Mallinson & Company
John G. Taylor
1978-1979
Roy L. Taylor & Sons
Charles Tucker
1940-1941
I. Reinhardt & Son Agency
William L. Hill
1979-1980
Hayden R. Pittman Insurance
W.R. Moore
1941-1942
Munger & Moore Company
WR Bob Rucker
1980-1981
Rucker & Associates
Felix Harris
1942-1943
Felix Harris & Company
R.C. (Ted) Bibby
1981-1983
Bibby, Brilling & Assoicates
John Barr
1943-1944
John A. Barr & Company
William E. Strother
1983-1984
Ragland, Strother & Lafitte
Kenneth Mahoney
1944-1945
Maxon - Mahoney & Tucker
Hayden R. Pittman
1984-1985
Hayden R. Pittman Insurance
Alphonso Ragland, Jr.
1945-1946
Ragland Insurance Agency
Donald E. Bowles, Jr.
1985-1986
McQueary Henry Bowles Troy
George Cox
1946-1947
George Cox & Company
J. Stanley Bullock
1986-1987
Roach-Howard-Smith-Hunter
Hal Gulledge
1947-1948
Gulledge, Highfill & Terry
Jim Millerman
1987-1988
Tex-Cap Concord Insurance
Willard Crotty
1948-1949
Ellis Smith & Company
Tom P. Ellis III
1988-1989
McQueary Henry Bowles Troy
C.M. (Pat) Patrick
1949-1950
C.M. Patrick Agency
W. Scott Ragland
1990-1991
Ragland, Strother & Lafitte
Frank Holt
1950-1951
J. Frank Holt
Gary T. West
1991-1992
Texas BancPartners Insurance
Porter Ellis
1951-1952
Ellis - Smith & Company
Karen F. Farris
1992-1993
Roach, Howard, Smith & Barton
Arthur Barrett
1952-1953
Arthur E. W. Barrett
Gaylon Brown
1993-1994
Tex-Cap Concord Insurance
Carl Hunt
1953-1954
Carl H. Hunt
Steven W. Pond
1994-1995
USI Southwest
Charles Eversol
1954-1955
Chas. L Dexter & Co.
Don Medlin
1995-1996
Scarbrough, Medlin & Associates
Don M. Houseman
1955-1956
Cochran & Houseman
David Scott Miles
1996-1997
Tex-Cap Concord Insurance
Nicholas Williams
1956-1957
W. Nicholas, Williams & Co.
Perry Max
1997-1998
Perry Max Insurance Agency
William Carter, Jr.
1957-1958
Felix Harris & Company
Frank Swingle
1998-1999
Swingle, Collins & Associates
James Wallace
1958-1959
Jim Wallace Agency
Dennis Dowd
1999-2000
McQueary Henry Bowles Troy
Donald E. Bowles, Sr.
1959-1960
Shelton & Bowles
Charles Sammons
2000-2001
The Sammons Group, Inc.
Carie Welch
1960-1961
Wilson Welch & Company
Patrick J. Bonds
2001-2002
HRH - Dallas
George E. McCormick
1961-1962
George W. McCormick Ins.
Bill Sleeper
2002-2003
Sleeper Sewell Insurance
Frank Caldwell
1962-1963
Caldwell, Seay & Hall
John Webb
2003-2004
USI Southwest
Rex Harris
1963-1964
Felix Harris & Company
Tim Shackelford
2004-2005
Boyd, Shackelford & Barnett
Ben Spurgin
1964-1965
Ben Spurgin Ins. Agency
Karen Bitzer
2005-2006
Roach-Howard-Smith & Barton
Dwight Sleeper, Jr.
1965-1966
Sleeper, Stewart, Dean & Co.
Chris Hughes
2006-2007
Swingle Collins and Associates
George Wilhite
1966-1967
The Wilhite Agency
Pat Arthur
2007-2008
McQueary Henry Bowles Troy
David Noel
1967-1968
Noel, Greaves & Stothers
Darleen Madden
2008-2009
Glenn-Madden & Associates
Walter Hartley, Jr.
1968-1069
Hartley Insurance Agency
Bruce Klingman
2009-2010
Wood Wilson Company
William Weatherford
1969-1970
Weatherford-Smith-Thomas
John Marek
2010-2011
K&S Insurance Services
Kenneth Tapley
1970-1971
Murchison Tapley Ins.
Robert Ferguson
2011-2012
Family Financial Insurance Group
Frank Holt
1971-1972
J. Frank Holt
David
WINTER 2013 ISSUE 25
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26 DALLAS INSURANCE INSIDER
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save the date
May 13th
IIAd Golf
Tourney
Stonebriar
Frisco
Joe Wood Continued from page 19
Joe spent his career in the Insurance industry. His
career began at Liberty Mutual Insurance Company
in the Claims Department as a Multi-Line Supervisor.
He joined Pearlstone-Casey Agency, Inc., in January,
1970, where he was co-owner and Executive Vice
President. He later formed his own agency in April,
1981, which he ran as a Sole Proprietor until joining
with Lamar Wilson in 1982. Joe was President
and Treasurer of Wood-Wilson, Co., Inc. until his
retirement in July, 2009. During his career, he was a
board member of The Independent Insurance Agents
of Dallas and was a strong advocate for insurance
legislation in Texas.
Joe was a proud Texan and American. He was a
lifelong member of both the Sons of the American
Revolution and Sons of the Republic of Texas.
The family would like to thank the doctors and
nurses who cared for Joe, most especially, those
who provided care in the family home.
Memorials may be made to the American Cancer
Society, P.O. Box 22718, Oklahoma City, OK 731231718 or The Boys Scouts of America John D.
Murchison Scout Office, 8605 Harry Hines, Dallas,
TX 75235.
Memorial service was held on January 29th at 1:00pm
at the Episcopal Church of the Transfiguration, 14115
Hillcrest Road, Dallas, TX 75254.
Celebrating Over 50 Years
Get the comprehensive coverage and “A”
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Umbrella
• Inland Marine
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Liability
• Marine
• Property & Package
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• Transportation
Hull
& Company
www.hullandco-texas.com
Jack Huff, Vice President & Branch Manager
Dallas
Houston
(800) 765-HULL
(877) 256-HULL
Since 1962, Proud Members of IIA, PIA
AAMGA, NAPSLO, TSLA & IIAD
29 DALLAS INSURANCE INSIDER
o
p
S
ur
o
l
l
oa
T
l
a
V
,
s
r
o
s
n
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unt
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&A
•All Industry day committee
Alice Macik
Amanda Kennedy
Angela DeGroot
Angela Miller
Ben Patterson
Beth Fulton
Chris Hughes
Christi White
Cyndi Boehle
Erin Van Gieson
Lance Goff
Linda Farris
Lori Snelson
Mark Frederiksen
Nick MacDonald
Niclas Radberg
Rick Pooler
Rod Medlin
Stephen Pine
Tammy Land
Toni Campbell
Hall of Fame Sponsors
AmTrust North America
An AmTrust Financial Company
Pro Bowl
Legends of Honor
Thank you to our 2012-2013
Ring of honor
28 DALLAS INSURANE INSIDER
32 DALLAS INSURANCE INSIDER
Legends of Honor
All INdustry Day Sponsors
Ring of honor
Hull
& Company
Bag & Lanyard Sponsor
UNT Student Sponsor
WINTER 2013 ISSUE 33
34 DALLAS INSURANCE INSIDER
WINTER 2013 ISSUE 35
36 DALLAS INSURANCE INSIDER
MVP
Player
•Lance Goff
MVT
Team
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TEXAS RETAIL BROKERS:
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From big cities to small
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We have the reach and the resources you need to
make sure your clients are protected wherever
their businesses take them. With the combined
strength of Cooper Gay, our network of experts
includes more than 1400 professionals in 60
offices in North and South America, Europe and
Australasia. In fact, we’re
one of the world’s largest
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organizations, offering unbeatable market access.
We have the capabilities—and the creativity—to
design customized and comprehensive coverage
that you and your clients can count on. Our risk
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clients are fully protected
no matter what. And no
matter where. So whether
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around the corner or around the world, go with a
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Swett & Crawford of Texas, Inc.
14643 Dallas Parkway • Suite 400 • Dallas • TX 75254
214.747.1200
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38 DALLAS INSURANCE INSIDER
W
orkers’ compensation insurance premium fraud has long
been a serious problem in Texas and across the country.
When business policyholders falsify company data to reduce
their premium, it has negative financial and legal ramifications
for everyone, including independent agents. But equipped with
the right information, agents can play a key role in identifying
and preventing premium fraud.
C
ontinuously faced with financial pressures no matter what
the economic climate, some policyholders are unfortunately
tempted to manipulate data in order to lower their workers’
compensation insurance premiums. Not only is this fraud
illegal, it adversely affects producers and carriers’ bottom lines,
leads to higher costs for honest businesses and often places
additional legal burdens on agents.
A
gents are the key conduit between policyholders and
insurance carriers, providing a key service and expert
advice to policyholders with diverse needs. In order to protect
the interests of policyholders and their own businesses, agents
should constantly remain vigilant of the different types of
premium fraud, the warning signs and know what to do if they
suspect premium fraud.
T
here are three basic types of premium fraud: underreporting
payroll, misclassification of employees, and experience
modification evasion. Underreporting of payroll occurs when
a policyholder fails to accurately report their entire work
staff to the insurance company, often by paying employees
off the books or presenting employees as sub-contractors
or independent contractors versus actual employees of
the company. The second type is the misclassification of
employees. For example, when a high-risk employee, such
as a construction worker, is classified as a person with clerical
duties, this may result in a lower workers’ compensation
premium for a company. Finally, a third variety of premium
fraud is experience modification evasion, which occurs when a
company attempts to re-emerge as a new company on paper in
order to obtain a lower experience modification factor, but the
business is actually unchanged.
I
ndependent agents should be aware of several “red
flag” indicators they can use to identify potential workers’
compensation premium fraud. Following is a list of “red flag”
indicators predominately seen in premium fraud cases.
Experience shows that the occurrences of two or more of
these factors are typically present in cases that have been
prosecuted for premium fraud:
•
•
•
•
•
•
•
Business address is a mail drop or P.O. Box
Business is physically located in another area of the state
Prior carrier drops the business or business frequently changes
carriers
Excessive number of certificates of insurance issued on a small
policy
Unusual ratio of clerical to non-clerical staff for type of business
Business avoids audit or has never been audited
Reported injuries not consistent with purported job titles or duties
I
by Ranney Pageler
VP Fraud Investigations Department
n addition to remaining vigilant for the “red flag” indicators
commonly associated with incidents of premium fraud,
agents should remain diligent in maintaining detailed records
of all of their policyholder interactions, including all e-mail
correspondence. This will be very important in the event a
policyholder is ever suspected of premium fraud and will
protect the agent should a policyholder accuse the agent of
advising them to commit fraudulent acts, which is typical of
policyholders who are accused of committing fraud. Some
of the precautions agents should take include obtaining an
original signature on applications, identifying the policyholder or
person of contact with a driver’s license and determining who
the responsible parties are within the company and identifying
them. By keeping this information on file, agents will help
protect themselves against false accusations and will help
prosecutors in a criminal case, if necessary.
I
f agents ever suspect a policyholder is engaging in workers’
compensation premium fraud, they should articulate their
suspicion to the carrier’s special investigation or fraud
investigation unit. In certain cases, the agent may feel the
need to elevate the referral of suspected premium fraud
directly to the appropriate law enforcement agency. Eventually
if charges are filed against a policyholder, the evidence
agents possess will be important to the prosecution’s case.
Typically, when a prosecutor serves a subpoena or search
warrant for an agent’s records, the types of evidence most
often sought are applications, copies of checks used for
payments, correspondence (including e-mail) with the
accused policyholder and any documents signed by a person
responsible for the business.
I
ndependent agents realize additional value by partnering with
a carrier offering dedicated fraud investigation resources. By
working with a carrier offering proactive anti-fraud programs,
agents benefit from an additional level of protection for their
business and help keep premium costs down for their lawabiding policyholders. Certainly, agents serve as a critical
frontline defense against premium fraud and can play an
important role in preventing workers’ compensation premium
fraud by being aware of the different types of premium fraud,
the warning signs and reporting any suspicious activities to the
carrier for further investigation.
R
anney Pageler is Vice President of the Fraud Investigations
Department at EMPLOYERS®, America’s small business
insurance specialist®, which offers workers’ compensation
insurance and services through Employers Insurance
Company of Nevada, Employers Compensation Insurance
Company, Employers Preferred Insurance Company and
Employers Assurance Company. Insurance is not offered in all
jurisdictions. For more information, please contact Ranney at
rpageler@employers.com or visit www.employers.com.
WINTER 2013 ISSUE 43
R
U
O
Y
D
N
A
P
X
E
!
S
T
E
ARK
Md your mind)
(an
T I
with HE NSURANCE
RECORD!
Publicity — We
publish news about Texas Insurance. New hires,
promotions, awards, new products, retirements, legal victories (or defeats),
mergers, acquisitions, elections — tell us what’s happening at YOUR company
or association. Insurance news in Texas, it’s what we’re about.
“Casual Comments” — The popular column by Editor Emeritus
Glen E. Hargis draws frequent responses from readers. They may or may not
agree with his plainspoken remarks, but they enjoy reading them.
Subscribe — Keep up with our ever-changing industry. Knowledge is
power, and The Insurance Record delivers knowledge.
Digital Edition — Want your insurance news in record time? All subscribers to the print edition can
receive the digital edition, via email, every other Thursday, at no additional charge! We also offer a digitalonly subscription at a reduced rate.
Advertise — Run
your advertisement in The Insurance Record. Thousands of licensed insurance
professionals across Texas can see your marketing message as often as every two weeks. Save money by
introducing your business to agents before spending the big bucks to send a marketing rep across this huge
state. Unlike emails and faxes that aggravate recipients, your ad is read by subscribers who want to see more
ads, according to our Spring 2011 Reader Survey.
Texas’ oldest and most respected insurance news magazine, published in and for Texas insurance since 1934.
Visit our Web site at
www.InsRecord.com for more
information about advertising,
subscribing, or submitting news.
Act Now and
Read All About It!
Cedar Park, TX
www.taga1.com
WINTER
2013 ISSUE 41
888-999-8242
Launch
Our industry is headed toward a “Silver Tsunami”
where many will soon be retiring and we will be
left with no one to step in and fill the void. At
our January membership luncheon on 1/16,
we announced the start of a new IIAD InVest
initiative. Starting this semester, the students
in Woodrow Wilson High School’s Academy of
Finance will be taking a NAF(National Academy
of Finance) Insurance course, in conjunction with
InVest. This course introduces students to the
insurance industry and to the critical role it plays
in the financial services sector, and in society as
a whole. The course will be taught by several
teachers at Woodrow, with supplemented insight
from our members volunteers.
We will be going into the classroom to help
provide a realistic view of what insurance is and
how it works. The volunteers will have a chance
to tell their stories. They will have the ability
to change the lives of the students, a majority of
whom are living at or below the poverty level and
could be inspired to find themselves in a career
beyond their wildest dreams. We can build a
bridge to the community that promotes and
strengthens the independent insurance channel.
To help, see the sign-up sheet on page on
opposite page. Launching this program at
Woodrow Wilson High School is the first step
in finding and developing the youth that our
industry needs. Our hope is to start a committee
that will formulate a plan to take this into more
high schools and colleges (2-year or 4-year)
around the Metroplex. Please help us in this
endeavor. Contact the IIAD office for more
information.
46 DALLAS INSURANCE INSIDER
Pictured above-- InVest Graduate, Janie Ussery,
InVest Ambassador, Errica Rivera &
InVest Educator, Denise Tucker.
Where will the insurance
professionals of the future
come from? Without
promoting interest in
insurance as a career, our
profession is due to lose
40% of its workforce in
the next 5 -10 years. How
do we generate interest in
insurance? InVEST is one
way to do that.
See the Volunteer form to the right........
Go to www.IIADallas.org and download
this form today to show your support!!!
Fax or email to the IIAD office:
Fax- 214.360.9989
Email- info@IIADallas.org
I
nVEST develops a diverse pool of insurance professionals and informed
consumers by educating high school and community college students
on careers in insurance, financial services and risk management and
encouraging them to pursue careers in the industry.
• How does InVEST benefit the insurance industry?
• Trains work force and brings new talent for carriers, agents and brokers.
• Reaches a diverse group of employees, such as urban and minority students.
• Involves insurance professionals on a local level as classroom liaisons.
• Promotes positive public relations, positioning the industry as a respected liaison between the academic and business worlds.
• Produces knowledgeable insurance consumers.
WINTER 2013 ISSUE 47