Dec 12
The Value of InsurPac

​It is crunch time for YOUR political action committee – InsurPac!  With a newly divided Congress, a new Chairwoman of our primary committee for independent agents & brokers, dozens of new members of Congress that need education on independent agents, an important legislative agenda for independent agents, and more, it is imperative that every single Big I member contribute to your PAC.  ​

Check out this new video on InsurPac.  Please distribute it as you talk to your agency employees and colleagues about the need to support their PAC.  ​​


Online contributions can be made at or we can take checks payable to “InsurPac" – personal, LLC or partnership checks are accepted.

December 31 is the deadline for reporting purposes!  We need a robust InsurPac to ensure YOUR voice is heard, and understood, on Capitol Hill! 

Dec 12
Make-A-Wish at the IIAC Mid-Year Convention

​We were so happy to meet the wish kid we sponsored through Make-A-Wish at the IIAC Mid-Year Convention! She traveled to a safari and was able to see animals in their natural habitats. We are proud to partner with Make-A-Wish to help make children's wishes come true!​​




Dec 10

​If you have not yet registered for the new RLI portal please email and request a re-generated invite.  Once received an email will be sent from  Please follow the instructions in this email. The invitation is time sensitive and will expire if not used within 30 days. Upon registering, you will be able to log in at Please replace any old bookmarks or favorites with the new portal.​

All sub-agents will need a username and password for the RLI site to check policy status, quote and print any forms you may need. Quoting outside the RLI program is no longer possible.  RLI has made many improvements to their program but being able to sign into the program is a must to take advantage of these improvements. 

Please forward this post to anyone in your office who will need to quote RLI or who processes policies

Please contact me directly if you run into any issues.

Rose Mullaly | CT RLI Program Manager

Phone: 860-563-6510 | Fax: 860-257-9981

Dec 10
Upcoming CE Classes

Property & Casualty Pre-Licensing – Class Start Dates: January 8, 2019 – Wethersfield;

Instructor – Barbara Spear, CIC

This course is taught by a highly qualified and professional instructor. Program combines the FREEDOM OF HOMESTUDY with reinforcement of EIGHT DAYS of classroom instruction. Course will cover the following topics while preparing students for the state's examination: Basics (including insurance terms), Introduction to Property (Dwelling, Property Forms, Floaters, Homeowners), Automobile, Workers Compensation, Crime and Bonds, Commercial Insurance (Comprehensive General Liability, Commercial Property Policy, Business Auto, Garage Liability), Law and Ethics. Fee includes (provided all requirements are fulfilled): All study materials and quizzes, Certificate of completion required by the Connection Insurance Department and Pre-Registration for License Exam.

IIAC will allow students to retake pre-licensing courses free of charge for up to one-year from date of completion. If course manual changes during this time, student will be responsible for cost of an updated manual.

Class Fee: $600 Members / Associate Members $925 Non-Members  


AAI 81-A – Principles of Insurance – January 24, 2019 - Wethersfield

Instructor – Barbara Spear, CIC

Course is one of nine segments required for the AAI designation. Program is recommended for all insurance production Personnel in any distribution system. It is particularly recommended for those individuals who deal directly with the insurance buying public. Program is designed to acquaint the producer, account executive or customer service representatives with the major coverage's, which generate 90% of most agency's premium volume. Recommended also for those who supervise producer or field representatives and for non-production employees who wish to begin careers in production or who have direct contact with clients. This program is for the advanced P&C individual and entails a commitment with substantial homework that will prepare the candidate for the National Exam. AAI 81-A Principles of Insurance will provide an overview of the insurance business including principles, nature and organization as well as legal issues, risk management and insurance sales and account development.

Class Fee: $175 Members / Associate Members $215 Non-Members


ACSR #1 – Homeowners Insurance – January 31, 2019 – Wethersfield

Instructor – Barbara Spear, CIC

Increase value to your agency with a strong understanding of the property and liability coverages that properly protect your customers.

Topics that will be covered are Homeowners Policy Components and Property Coverages; Additional Coverages, Perils, Exclusions, and Conditions; Liability Coverages and Conditions; and Endorsements. Course is one of five modules required to obtain the Personal Lines ACSR designation.

An exam will be administered at the end of the class to those students working toward their ACSR designation.

Class Fee: $85 Members / Associate Members $105 Non-Members 

To sign up, please visit our education page​.

Dec 10
Travelers Establishes Program to Help Customers Address Crumbling Foundations in Connecticut

HARTFORD, Conn., Dec. 6, 2018 – The Travelers Companies, Inc. (NYSE: TRV) today announced it has established the Travelers Benefit Program — a $5 million fund to assist customers in repairing homes with crumbling foundations in northeast Connecticut. The matter stems from concrete contaminated by the mineral pyrrhotite, which can cause foundations to deteriorate over time. 

To help homeowners with the repair costs associated with pyrrhotite-related damage, the state recently created the Connecticut Foundations Solutions Indemnity Company (CFSIC). As some repairs may cost more than the CFSIC will cover, Travelers created the fund to provide additional financial support for its customers.

“Since this problem emerged, we have been committed to finding a solution that will assist our customers dealing with this unfortunate and complex issue," said Michael Klein, Executive Vice President and President of Personal Insurance at Travelers. “We appreciate the support from Governor Malloy and Attorney General Jepsen, and we collectively believe this fund will provide a significant measure of relief to affected homeowners."

Beginning Feb. 15, 2019, eligible Travelers customers whose repair costs exceed the benefit provided by the CFSIC will be able to enroll in the Travelers Benefit Program. The program will provide current customers up to $25,000 and former customers up to $10,000, subject to program terms.

“Travelers has taken the lead in helping its customers with the financial burden that comes with making the significant repairs associated with pyrrhotite-related damage," said Katharine Wade, Commissioner, Connecticut Department of Insurance. “We applaud Travelers for its efforts and appreciate the company's partnership in working to identify an outcome for Connecticut homeowners and developing a model for other insurance carriers to follow."

To learn more about the Travelers Benefit Program, its eligibility requirements and how to apply for assistance, please visit or contact Travelers at 1.800.527.2416.

About Travelers

The Travelers Companies, Inc. (NYSE: TRV) is a leading provider of property casualty insurance for auto, home and business. A component of the Dow Jones Industrial Average, Travelers has approximately 30,000 employees and generated revenues of approximately $29 billion in 2017. For more information, visit​

Dec 10
What’s in Your Annual Employee Engagement Plan?


January is an exciting time of “new" plans where we start off with a clean slate and an open vision of the year ahead. In the world of people management or talent development, it is the perfect time to re-evaluate and set your strategy for the year ahead. 

“The time to repair the roof is when the sun is shining."
[State of the Union Address January 11 1962]
― John F. Kennedy

In our leadership programs, we are often asked about the following four areas:  Culture, Remote and Flexible Working Arrangements, Training and Coaches and Mentors.  There are many more areas not included in this article such as compensation, incentives and performance reviews.  Let's start with these four:

1.       Culture:

  • Can you describe your company's culture to someone?
  • Does your website portray your company's brand?
  • Are employees proud to work at the company?
  • How many refer talent?
  • Have you checked GlassDoor lately?
  • When was your last employee survey?  Were you pleased with the ratings?
  • What did you implement in 2018?  Was it successful?
  • What changes would you like to make? 


2.       Remote and Flexible Working Arrangements:

  • Did you know that 3.9 million American workers now work-from-home at least one day a week?  How does your company line-up?
  • Did you know that flexible work arrangements have proven to increase employee satisfaction and retention?
  • Is there a way to offer employees an opportunity to work from home based on need or frequency? 
  • Do you have guidelines in place? 
  • What's your 2019 Flexible Work Arrangement Plan?


3.       Training – in-house/outside/employee driven

    • Do you have a training strategy?
    • Did you know that online training is the fastest growing learning solution offered to employees today?  It's affordable, flexible and requires no travel. 
    • How can you help your managers create performance growth plans incorporating learning and education solutions?


4.       Coaches and mentors

    • In a nationwide Deloitte survey of 1500 employees reported that the relationship between an employee and his direct supervisor is one of the top three drivers of employee engagement. Plus, 77% of companies that have a mentoring program indicate that it improved both employee retention and job performance.
    • What does your orientation/new hire program look like?  Do you have a mentoring program attached to it? 
    • What do you have in place to save/retain your top talent?
    • Have you trained your supervisors to coach? 

Someone once said – “just start somewhere."  Well, if you at least ask yourself the questions above about the four topics, perhaps there are one or two new initiatives you wish to map into your 2019 plan. 

Visit our Education tab for our latest training offerings!​

Dec 10
Call for Volunteers


Based on consistent input from proactive requests, and feedback from our October ACT Meeting, we will be starting an ACT 'API' Work Group. You've likely heard this acronym bandied about quite often recently – stands for "Application Programming Interface."

Since this is such a wide-ranging subject, we'll use the first couple web meetings to define the scope of APIs in our industry, what we want to achieve, how the industry could/should work together, REST vs SOAP, etc.

If you are interested in participating in this new API work group, simply click here to let me know and I'll add you to our roster. We'll also be looking for two co-chairs for the group. If you're passionate about this subject, just let me know. You don't have to be an expert – I'll admit I'm not.

One point of view: "Your job is either above the API, or below the API. The difference is: above the API you tell the software what to do, below the API the software tells you what to do."

Questions? There'll be a lot, but this promises to be great discussion. Thanks for considering adding your voice to the discussion!



Ron Berg
ACT Executive Director 

Dec 10
Panelists Debate the Pros and Cons of Industry M&A and Comparative Raters
The frenzied pace of merger and acquisition activity on both the carrier and agency sides and the pros, cons and unintended consequences of comparative rating systems were among the topics discussed during an executive panel at the midyear convention of the Independent Insurance Agents.

To read more:

Download the pdf of the full article 

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Nov 09
Commissioner: Workers Comp Insurance Rates Drop for Fifth Straight Year

October ​30, 2018​​ - Insurance Commissioner Katharine L. Wade announced today that the Insurance Department has approved decrease of nearly 17 percent decrease in rates for workers compensation insurance, marking the fifth consecutive year that rates have dropped.

“This steady drop – nearly 50 percent over the last five years – has helped business owners with one of their critical operating costs – workers compensation insurance,” Commissioner Wade said. “The rates reflect an ongoing decrease in the number of workplace injuries and claims filed. We are also seeing, on average, lower medical costs per claim.”

In 2017, the Department approved a 14 percent decrease in loss costs and assigned rate risk levels. The decrease was nearly 11 percent decrease in 2016; nearly 4 percent in 2015 and about 3 percent in 2014.

The Department approved the filing of National Council on Compensation Insurance (NCCI), which compiles data annually from the workers compensation market in Connecticut and countrywide in order to annually propose rate adjustments for the ensuing year. The NCCI filed in September for a 16.8 percent decrease in loss costs and a 19.8 percent decrease in assigned risk rate levels. The Department approved the rates on October 29 after conducting an actuarial review and 30-day public comment period.  

The new rates take effect January 1, 2019.

Nov 09
The 2018 IIAC Mid-Year Convention

Another Mid-Year Convention in the books! Thank you to everyone who attended this year's event to make it our best ever!


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