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Little Falls Minnesota

Permit No. 9

March 2016July 2016

Minnesota Insurance1107 Hazeltine Blvd.,MD 16Chaska MN 55318Return Service Requested

Minnesota Insurance

Annual Numbers Issue

Minnesota Insurance1107 Hazeltine Blvd.,MD 16Chaska MN 55318Return Service Requested

PresortedStandardU.S. Postage PaidLittle FallsPermit No. 9

Auto: #1: State FarmHome Owners #1: State Farm

Workers’ Comp #1: SFMLiability #1: National Union Fire

•State’s Work Comp CombinedPremium Now Exceeds $1 Billion

•HO Total Premium DoublesTo $2 Billion in a Decade

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

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40570 Burns Middle Name Ad - Minnesota Ins MN1 APPROVED.indd 1 5/3/16 6:27 PM

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Minnesota Insurance Page 4

Minnesota Insurance Magazine

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Minnesota Insurance is published monthly at 1107 Hazeltine Blvd., MD 16, Chaska MN

55318. Phone number 763-208-2924. Subscriptions are $24 a year. For advertising or

editorial information contact Jack Meusey, publisher. Assistant publisher: Jim Meusey.

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www. meuseypublishing.com

July 2016 Vol. 34 Issue 7

Meusey Column Page 6Enforcement Actions Page 10Premium Rankings Page 12Whispers & Shouts Page 18In Memorian Page 22

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July 2016 Vol. 34 Issue 7

Minnesota Insurance Page 6

Fit to PrintBy Jack Meusey, Publisher

Minnesota Insurance Magazine

Insurance Offices Are Great Places to Work

A Look at thePremium Numbers From the Non-Top

25 Companies

Ed Deutschlander Tim Bohannon Joe Spillman

Continued on Page 8

Minnesota Insurance Page 13

agreed to changes in reserving principles that the industry says if not done, will put Minnesota-based life insurers at a significant competitive disadvantage when selling term life.

The day began with a speech from House Speaker Kurt Daudt. Minnesota Wild CFO Jeff Pellgrom’s provided a break from legis-lative talk at a luncheon. Then it was off to the Capitol complex where industry members followed a complex schedule, designed to ensure that they met with lawmakers from the districts in which they voted.

A number of lawmakers such as State Sen. Karin Housely, Stillwa-ter; Sen. Eric Pratt, Prior Lake; and Rep. Joe McDonald, Delano, came to special sessions arranged by insurance lobbyists. Pratt’s wife Tina is a personal lines underwriter at Western National. Mc-Donald’s father K. J. was an insurance agent. His brother is with Allianz.

While the load of insurance professional stepping off the buses was dramatic, in a way it was just keeping up. A House of Rep-resentative legislative worker asked her impression of the stream remarked: “Oh, is that who is here today?” On the same day the insurance community came, so did the proponents for Alzheim-ers Disease research funds; a group opposing the stocking of state lakes with muskies; and a sports recreation group among others.

Cover Story

Karin Housley Eric Pratt Joe McDonald

cState Farm and

Allianz each sent more than two dozen

employees to participate in

strategy sessionsand direct

conversations with legislators.

One of the best-kept secrets in the working world is that insurance companies are among the best places to work. Outsiders some times view the business as boring, but insiders know otherwise. That is why insurance-related companies were among the most common in the Star-Tribune’s 2016 Best Places to Work list. The list, which is foremost a promotional effort for the newspaper, is not scientific. Rather an independent company specializing in worker retention surveyed about 75,000 employees at 1,500 com-panies. The rankings were composite scores based on those re-sponses. Insurance entities, especially life insurance, were well represented among the 260 companies on the list, which was di-vided into large, medium and small groups.

In the large category, Allianz Life in Golden Valley with 1,804 employees and Securian in St. Paul with 2,527, were on the big company list of best places to work. Northwestern Mutual offices in the Minneapolis area and the Bohannon Northwestern Mutual offices made the medium and small lists respectively. Tim Bo-hannon, general manager of the group headquartered in Mendota Heights, said one reason for inclusion on the list was a common culture. He estimated that 60 percent of the financial advisors in his office, including himself, started out in a college internship

program. ECA Marketing, an independent marketing organization with 53 employees in Eden Prairie headed by Joe Spillman, ranked 60th in the small division. The Minneapolis Financial Group, a successor to the Mass Mutual General Agency, and the North Star Resource Group, Minneapolis, made the list for the first time. “Be-ing recognized as a Top Workplace in Minnesota is a compilation and credit in doing many little things right,” said North Star CEO Ed Deutschlander. Other insurance-connected places on the list were American Income Life, 2021 Hennepin Ave. E., Minneapo-lis; UCare and Delta Dental. From the property-casualty side were

Ed Deutschlander Tim Bohannon Joe Spillman

30 Years Ago: Tort reform is one of the major issues facing the Minnesota Legislature. Reform proponents liken conditions for this issue to those about workers’ compensa-tion in the early 1970s when the DFL took control of the legislature and passed many tax and workers’ compensation laws that had drastic impact on businesses. The public began paying attention to the impact of those laws when businesses began leaving the state because of them. By 1983 even a DFL govenor was in favor of tax cuts and other reforms. Tort reform proponents are hoping for a replay.

20 Years Ago: Private investigator Fred Rgnonti turned over audio tapes of possible wrongdoing involving one of his employees and a state official. The move evolved into a tangled case that saw his business devastated, caused legislative audit of a state of-fice funded by insurance companies; helped raise conflict of interest charges within the Carlson administration and resurrected an unsolved murder case.

Northern States Insurance Agency, Edina, is in the process of purchasing independent agencies in Minnesota and surrounding as a way to compete with national brokers and regional agencies. “We want the owner to stay on with us as a producer after the sale,” said NSIA President Brad Hepp.

10 Years Ago: Dan Riley, Executive Vice President of the Big I, advises agents to be careful as the market changes. He noted that during the recent hard market agents became accustomed to higher premiums and rising commissions. “But now, as prices in some lines soften, it is crucial that agents and brokers continue to seek out the best pricing structure for their clients. Ruiley said in some states there is talk of passing laws that would force agents to present to clients every quote they have solicited on the account..

.

1986

1996

2006

1986: Erickson & Larson moves into a modern new building at 7100 North-land Circle in Brooklyn Park, just down the street from its previous location. The new location doubles the old space.

1996:Erickson Larsen Inc. forms ELCO Managers, which provides exclusive standard lines commercial property and casualty underwriting services for Northland Insurance, the A+ rated carri-er in Mendota Heights. Lance Erickson said the focus for the Northland busi-ness is on small to medium-sized risks and monoline or package p/c accounts. E&L’s relationship with Northland started in 1980. It was named the com-pany’s Agent of the Year in 1995 be-cause of superior production, low loss ratios, efficient processing and overall service.

2006: After more than two decades at the same location in Brooklyn Park, the staff is preparing for a move that will take place some time in 2007. E&L has purchased its own building near I-494 and Bass Lake Rd. in Maple Grove.

Minnesota Insurance Page 8

c

1986

Western National, Marsh McLennan, and Profinium, Inc., which has full-service insurance agencies in its numerous banks.

-0-The Minnesota Insurance Magazine annually lists detailed pre-mium information on the top 25 carriers in a number of lines that can cover more than 70 percent of the market. There is also a number of other carriers, however, with lesser amounts that are still significant. The following are some selected P/C companies’ 2015 annual premium (life, annuities and health will be reported in several months):

PERSONAL AUTO: Encompass $22 million; Allied, $21.8 mil-lion; West Bend $21.7 million; Meridian Security, $21.5 million; Amco, $21 million; Met Casualty $19.5 million; Grinnell Select, $18.8 million; Cincinnati $18.5 million; Auto Club $18 million; USAA $18 million; Sentinel, $17.2 million; Allstate P&C $16.3 million; Progressive Northern $15. 3 million; American National $14. 5 million; IDS P&C $14.4 million; Trumbull Insurance $13.9 million; Met P&C $12.1 million; Integrity $12 million; Acuity $11.8 million; Secura Supreme $11.6 million; Geico Ind $10.9 million; Selective $10.6 million; Govt. Employees $10.3 million; Amica $9.1 million; Country Mutual $9 million; Horace Mann P&C $8.5 million; National Farmers $8.2 million; Progressive Specialty $8.2 million; Chubb Ind Ins $7.7 million; Foremost $7.7 million; Wilson Mutual $7.2 million; Grinnell Mutual Re $6.6 mil-lion; Westfield $6.6 million; Austin Mutual $6.6 million; Unitrin $6.6 million; Ram $6.1 million; Acceptance $5.1 million; Milbank $4.1 million; Midwest Family $3.1 million.

HOMEOWNERS: Milbank $17.4 million; American Startegic $16.2 million; Allstate $16.2 million; Farm Bureau $16 million; Chubb Ind $15 million. 8 million; Economy $14. 4 million; IDS P&C $13.7 million; Selective $12 million; Horace Mann P&C $11.7 million; Ram $11.3 million; Secura $11.3 million; Acuity $10.6 million; American National $10.3 million; Foremost $10. 1 million; USAA $9.8 million; Austin $9 million; P&C of Hartford $8.6 million; Great Northern $8.1 million; Amica $8 million; Wil-son Mutual $6.3 million; Westfield $5.8 million; Harleysville $4.6 million; Midwest Family $4.5 million.

WORKERS COMP: Technology Insurance $9.9 million; Pio-neer Specialty $9.8 million; Travelers P&C $9.7 million; Ram $9.7 million; Travelers Ind $9.5 million; Liberty Insurance $9.1 million; LM Insurance $9.1 million; Accident Fund Gen Insurance $8.7 million; Accident Fund of America $8.4 million; Midwest Family $8.3 million; Standard Fire $8.1 million; Westfield $8 mil-lion; SFM Select $7.8 million; Travelers Cas & Surety $7.8 mil-lion; State Farm Fire & Casualty $7.8 million; Travelers Casualty of America $7.5 million; First Dakota $7.4 million; Ace America $7.2 million; American Family $6.8 million; Amerisure $6 mil-lion; Cincinnati $5.8 million.

LIABILITY: Hanover $8.3 million; Employers Mutual $7.4 mil-lion; Berkshire Hathaway $7.2 million; Arch $6. 8 million; Great American $6.8 million; Greenwich $6.7 million; Westchester $6.4 million; Securian Casualty $6.3 million; Navigators $6.1 million; Scottsdale Ind $5.8 million; United F&C $5.7 million; Great West $5.4 million; Riverport $4 million; Secura $3.7 million. n

totallyA R E YO UWORRY FREE?

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

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c

Unless otherwise indicated, the following enforcement actions by the Minnesota Commerce Department are consent orders, which means that the companies or agents mentioned agree to abide by the department’s decision, but do not necessarily acknowledge any wrongdoing.

Carmen Garcia, St. Paul, June 27 paid a $500 penalty for alleg-edly issuing a workers’ compensation policy certificate on behalf of the MN Workers’ Compensation Assigned Risk Plan without authorization.

Counsel Wealth Management, Arden Hills, paid a $10,000 penal-ty June 16. It allegedly used a misleading ad to seniors; provided at least 183 rebates to Minnesota consumers; failed to identify itself as an insurance agency in ads; and misled seniors as to the real purpose of complimentary dinner workshops.

Patrick Steven Niska, Cokato, June 8 paid a $1,500 penalty. He allegedly sent a letter to selected insureds that caused them to believe erroneously he was acting on behalf of the insurance com-pany in the handling of their auto glass claim.

Jason John Fleming, Otsego, May 27, paid a $500 penalty. He allegedly issued a workers’ compensation policy certificate on behalf of the MN Workers’ Compensation Assigned Risk Plan without authorization.

Elizabeth Marie Larson, Pequot Lakes, paid a penalty May 26. She allegedly failed to obtain signatures on an insurance application and an electronic funds transfer authorization.

Bradley Hengel, Minneapolis, license was revoked and he paid a $3,500 penalty May. 24. He allegedly submitted applications to an insurance company without the consent of individuals in order to obtain commissions; he also used personal information about Min-nesota residents without their permission.

Jeffrey P. Hoff, Sauk Rapids, May 20 paid a $2,500 penalty. He allegedly failed to remit on time insurance premium to an insurer in one instance.

Ryan Lundervold, Woodbury, May 13 paid a $7,500 penalty. He allegedly used misleading advertising materials in Minnesota that gave the impression his solicitation was connected or approved by a federal government agency. He also allegedly failed to identify the insurance coverage offered.

Gradient Advisors, Arden Hills, May 13 paid a $7,500 penalty. The firm allegedly used misleading advertising materials in Min-nesota that give the impression a solicitation was connected to or approved by a federal government agency and failed to identify the insurance coverage offered. n

Bad Ads and Complimentary Dinners Get Regulators’ Attention

Minnesota Insurance Page 9

Find out more at www.naifa-mn.org or call us at (651)366-6091!

The National Association of Insurance and Financial Advisers of Minnesota is the only organization serving and representing insurance and financial advisors regardless of the products they sell or the focus of their practice. NAI-

FA-MN is your professional association, and its focus is to protect your business, help you grow your business and promote ethical business conduct. NAIFA-MN has a network of local groups from across the state; meet-ings are held throughout the year. For more information on the local associations and upcoming meetings, please contact one of our local Presidents directly.

Central Robert Stoltman, LUTCFStoltman Insurance(320) 393-4141St. Cloud, MN

Fairmont AreaKim GarbersFairmont National Agency(507) 238-4746Fairmont, MN

Glacial RidgeBrian Fleming, CFP, CLUFocus Financial(320) 762-7744Alexandria, MN

HeadwatersTimothy Lucas, ChFC, LUTCFInsure Forward(218) 751-2330Bemidji, MN

Lake SuperiorJeffrey Hakala, FICThrivent Financial(218) 625-4000Duluth, MN

Little CrowHarry FenstraFenstra Insurance(320) 235-6466Willmar, MN

MinneapolisTyler Hirth

(952) 843-4944Minneapolis, MN

North MetroLindy VenustusBusiness & Estate Advisers, Inc(952) 475-8926Coon Rapids, MN

RochesterShawn CapelleShawn Capelle Agency, Inc.(507) 285-9927Rochester, MN

SouthernJudy Ringler Mountain, LUTCF, CLTCNew York Life Insurance Co(507) 387-4262Mankato, MN

St. PaulDrew DeWittHallett Financial(952) 449-9269St. Paul, MN

WinonaTerry SonnenfeldSonnenfeld Financial(507) 454-7650Winona, MN

Running Wealth Management Group

Minnesota Insurance Page 10

n

Smile: $100 Million Smiles

Atlas Brokers Celebrate $100 Million Premium

With friendly underwriters who listen, and a full complement of products

to serve your small-to-mid-size commercial insurance needs (including

enhanced BOP, surety, and packaged coverages), Western National is your

one-stop shop for getting business done. The proof is in the partnership.

We can help with both.

.Atlas

Brokers Network

celebrated achieving

$100 million in premiums

at Canter-bury Park

in Shakopee July 14.

Jacob Simons and Kaci Graves of the Atlasoffice in Rochester.

Employees of Haggerty Insurance, Hastings, from left: Julie Haggerty; Julie Black; Tobi Burr; Jamie Niebur; and Sarah Faris of West Bend.

Dan Riley, Big I; Rich Goodin; April Goodin, Big I; Frank Whitcomb, Big I. (Rich is April’s husband.)

Laura Abraham, Liberty Mutual; Vance Prigge, Atlas; Sara Dougherty, Western National.

Kyle Garman, Minneapolis office;

wife Charlotte.

Nate Hintze, Minnetonka office;

wife Rene.

Minnesota Insurance Page 11

Atlas Brokers Celebrate $100 Million Premium

With friendly underwriters who listen, and a full complement of products

to serve your small-to-mid-size commercial insurance needs (including

enhanced BOP, surety, and packaged coverages), Western National is your

one-stop shop for getting business done. The proof is in the partnership.

We can help with both.

.Dan Riley, Big I; Rich Goodin; April Goodin, Big I; Frank Whitcomb, Big I. (Rich is April’s husband.)

Minnesota Insurance Page 12

Abundant opportunities in LTCI, but you may have to change your messaging!

Cover Story

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Minnesota’s workers compensation market has now moved over the $1 billion mark in annual premium while homeowners’ pre-mium continue to zoom upward. But auto and liability premiums remain relatively low compared to benchmark years of 10 and 15 years ago. The numbers are based on statistics compiled by the Minnesota Commerce Department for the Minnesota Insurance Magazines.

In 2015, the 343 companies selling work comp coverage in Minne-sota reported $998.8 million in combined premium, which—based on past annual increases—means the figure is now over $1 billion. Fifteen years ago the amount was $566 million, which increased to $875 million 10 years ago.

But those rises are small when compared to homeowners’ premi-ums. In 2015, 161 reporting HO companies generated just over $2 billion in total premium in 2015. This compares to $1.1 billion in 2005 and a comparatively paltry $606 million in 2000.

While those lines are steadily moving up, personal auto remains comparatively stable. Total combined premium of 232 carriers in the field was $3.2 billion in 2015, compared to just over $3 billion in 2014 and $2.8 billion a decade earlier.

Combined liability premiums have been up and down. This year 442 companies generated $848 million in liability premium com-

pared to just over $1 billion a decade earlier.

The perennial leaders in those four lines remained so. State Farm headed the list for both personal auto and homeowners as it has since the magazine started reporting the numbers nearly 20 years ago. The carrier reported $539 million in homeowners’ premium for 2015, resulting in a slightly increased market share over the previous year of about four tenths of a percent to 26.8 percent. Fifteen years ago State Farm’s market share was 21.76 percent.

The insurer also ranked as the top personal auto insurer. Its $754 million in premium was up from $712 million. Its 23 percent mar-ket share remained unchanged. American Family remained in sec-ond place with $328 million, a $14 million rise over the previous year. But Progressive’s Preferred and Direct carriers when com-bined had $447 million.

SFM Mutual stayed atop workers’s comp with $102 million for a 10.2 percent market share. A decade ago it also led the line with a similar $100 million. Zurich American moved past Western Na-tional into second by posting $34.5 million premium during 2015, a jump of $15 million over the previous year. Western National went to $30.4 million from $30.1 million. National Union Fire, an AIG company, was again the top liability writer with $69.3 million in annual premium. The line’s combined pure direct loss ratio in 2015 was 53 percent—up from 40.4 percent the previous year.

Work Comp Market Hits $1 Billion in State; Homeowners $2 Billion

c

Minnesota Insurance Page 13

Cover Story

WoRKeRs’ Compensation Domicile Direct market Direct Direct pure premiums share premiums Losses Direct

Company name Written earned incurred Loss Ratio

sfM Mut ins co Mn 102,092,642 10.22% 107,349,816 91,520,846 85.25%Zurich aMer ins co nY 34,543,050 3.46% 30,189,241 16,332,551 54.10%western natL Mut ins co Mn 30,462,643 3.05% 29,077,666 15,263,636 52.49%owners ins co oh 26,007,585 2.60% 25,755,983 17,025,866 66.10%acuitY a Mut ins co wi 23,437,880 2.35% 23,274,493 12,975,688 55.75%traveLers ind co of aMer ct 23,421,823 2.35% 22,826,608 9,992,959 43.78%federated Mut ins co Mn 23,390,041 2.34% 22,846,741 11,028,670 48.27%secura ins a Mut co wi 19,929,583 2.00% 18,983,383 8,213,144 43.26%new haMPshire ins co iL 19,090,708 1.91% 20,934,529 10,438,789 49.86%west bend Mut ins co wi 18,818,259 1.88% 18,827,499 8,997,029 47.79%GrinneLL Mut reins co ia 17,347,751 1.74% 16,880,884 10,355,367 61.34%aMerican interstate ins co ne 15,339,108 1.54% 15,254,225 6,090,327 39.93%aMerican Zurich ins co iL 14,351,672 1.44% 14,305,262 7,853,063 54.90%dakota truck underwriters sd 14,124,553 1.41% 13,952,514 6,327,285 45.35%MiLwaukee cas ins co wi 13,516,809 1.35% 13,286,272 5,532,630 41.64%auto owners ins co Mi 12,468,335 1.25% 12,875,382 9,408,415 73.07%aMerican coMPensation ins co Mn 11,519,796 1.15% 12,439,415 7,500,043 60.29%PhoeniX ins co ct 11,406,898 1.14% 10,483,220 8,122,369 77.48%eMPLoYers Preferred ins co fL 11,233,463 1.12% 11,059,904 5,581,582 50.47%hartford accident & ind co ct 10,841,230 1.09% 9,550,469 9,301,571 97.39%LibertY Mut fire ins co wi 10,573,589 1.06% 10,520,399 8,763,151 83.30%eMPLoYers Mut cas co ia 10,396,796 1.04% 10,419,290 4,186,308 40.18%wesco ins co de 10,383,812 1.04% 10,051,460 4,607,065 45.83%Great west cas co ne 10,375,042 1.04% 10,537,906 3,845,587 36.49%federaL ins co in 10,204,189 1.02% 10,697,967 5,804,766 54.26%technoLoGY ins co inc nh 9,934,764 0.99% 9,932,019 6,020,616 60.62%Pioneer sPeciaLtY ins co Mn 9,883,387 0.99% 9,678,612 3,451,241 35.66%traveLers ProP cas co of aMerica ct 9,771,214 0.98% 10,153,324 5,830,128 57.42%raM Mut ins co Mn 9,734,143 0.97% 9,763,783 4,003,768 41.01%traveLers ind co ct 9,575,878 0.96% 9,487,010 6,556,083 69.11%LibertY ins corP iL 9,171,926 0.92% 12,951,131 7,770,587 60.00%LM ins corP iL 9,130,812 0.91% 9,984,988 7,936,659 79.49%accident fund Gen ins co Mi 8,718,964 0.87% 8,754,433 3,441,562 39.31%accident fund ins co of aMerica Mi 8,480,887 0.85% 7,416,343 2,454,734 33.10%Midwest faMiLY Mut ins co ia 8,352,324 0.84% 8,438,371 4,819,729 57.12%standard fire ins co ct 8,127,758 0.81% 8,269,843 7,424,786 89.78%westfieLd ins co oh 8,065,985 0.81% 8,088,878 3,358,939 41.53%sfM seLect ins co Mn 7,891,768 0.79% 6,278,183 502,043 8.00%traveLers cas & suretY co ct 7,811,769 0.78% 7,916,154 6,052,643 76.46%state farM fire & cas co iL 7,688,056 0.77% 7,863,473 5,092,539 64.76%traveLers cas ins co of aMerica ct 7,577,757 0.76% 8,075,164 6,126,596 75.87%heaLth care ins reciP Mn 7,567,066 0.76% 7,343,386 3,901,767 53.13%first dakota ind co sd 7,468,847 0.75% 7,072,893 4,592,397 64.93%ace aMer ins co Pa 7,206,343 0.72% 7,034,594 23,177 0.33%united wi ins co wi 7,026,014 0.70% 6,297,707 2,245,182 35.65%indeMnitY ins co of north aMerica Pa 6,876,123 0.69% 6,671,881 2,198,502 32.95%aMerican faMiLY Mut ins co wi 6,863,183 0.69% 6,617,726 7,004,533 105.85%twin citY fire ins co co in 6,591,782 0.66% 6,710,380 3,681,236 54.86%united fire & cas co ia 6,579,743 0.66% 5,779,167 1,777,052 30.75%charter oak fire ins co ct 6,203,087 0.62% 6,173,752 2,495,592 40.42%sentineL ins co Ltd ct 6,078,768 0.61% 6,364,703 2,898,042 45.53%aMerisure Mut ins co Mi 6,023,347 0.60% 5,913,551 2,369,221 40.06%cincinnati cas co oh 5,863,218 0.59% 5,418,320 2,867,073 52.91%traveLers ind co of ct ct 5,850,052 0.59% 5,348,815 3,510,920 65.64% 343 Companies in RepoRt 998,809,057 100.00% 987,288,583 575,613,174 58.30%

•• Work CompWorkers CompensationWork Comp Market Hits $1 Billion in State; Homeowners $2 Billion

c

Minnesota Insurance Page 14

Cover Story

Personal AutopeRsonaL aUto Domicile Direct market Direct Direct pure premiums share premiums Losses DirectCompany name Written earned incurred Loss Ratio

state farM Mut auto ins co iL 754,842,613 23.28% 745,723,386 457,035,272 61.29%aMerican faMiLY Mut ins co wi 328,426,470 10.13% 323,498,150 177,700,103 54.93%ProGressive Preferred ins co oh 247,334,142 7.63% 241,654,413 142,096,075 58.80%ProGressive direct ins co oh 199,068,957 6.14% 193,025,781 114,227,654 59.18%iLLinois farMers ins co iL 195,880,054 6.04% 196,082,027 96,420,063 49.17%aLLstate ind co iL 119,423,162 3.68% 116,931,285 73,931,538 63.23%owners ins co oh 79,511,732 2.45% 79,204,541 46,901,066 59.22%Geico Gen ins co Md 53,418,417 1.65% 52,299,162 37,575,363 71.85%state farM fire & cas co iL 52,154,099 1.61% 50,748,654 35,948,838 70.84%MeMberseLect ins co Mi 47,395,786 1.46% 46,752,400 31,322,073 67.00%safeco ins co of in in 46,717,823 1.44% 46,354,670 24,725,111 53.34%north star Mut ins co Mn 45,775,216 1.41% 45,675,540 26,017,660 56.96%western natL Mut ins co Mn 45,355,669 1.40% 44,944,769 26,913,847 59.88%standard fire ins co ct 44,217,993 1.36% 33,962,176 23,879,602 70.31%LM Gen ins co iL 39,454,652 1.22% 34,621,174 24,071,796 69.53%usaa cas ins co tX 32,491,172 1.00% 32,056,702 23,210,804 72.41%nationwide aGribusiness ins co ia 31,891,089 0.98% 33,478,346 22,111,424 66.05%united serv autoMobiLe assn tX 31,593,672 0.97% 31,328,072 22,401,793 71.51%farM bureau ProP & cas ins co ia 30,653,461 0.95% 29,707,220 15,252,589 51.34%aMerican standard ins co of wi wi 29,770,498 0.92% 29,878,560 15,969,665 53.45%traveLers hoMe & Marine ins co ct 25,991,919 0.80% 28,573,605 13,831,821 48.41%esurance ProP & cas ins co wi 23,254,904 0.72% 22,913,590 15,726,515 68.63%countrY Pref ins co iL 23,050,688 0.71% 22,446,321 13,140,817 58.54%Geico cas co Md 22,596,805 0.70% 21,790,519 14,691,081 67.42%LibertY Mut fire ins co wi 22,452,774 0.69% 25,300,018 11,727,904 46.36%encoMPass ind co iL 22,011,032 0.68% 22,106,743 12,850,101 58.13%aLLied ProP & cas ins co ia 21,811,165 0.67% 20,733,216 12,889,265 62.17%west bend Mut ins co wi 21,798,024 0.67% 20,665,066 12,286,918 59.46%Meridian securitY ins co in 21,524,525 0.66% 20,981,241 12,808,804 61.05%aMco ins co ia 21,055,268 0.65% 13,948,178 12,985,832 93.10%MetroPoLitan cas ins co ri 19,598,857 0.60% 20,222,281 9,923,538 49.07%GrinneLL seLect ins co ia 18,825,001 0.58% 18,050,014 10,844,194 60.08%cincinnati ins co oh 18,559,928 0.57% 17,996,634 10,105,252 56.15%auto cLub ins assoc Mi 18,107,592 0.56% 19,002,717 8,015,362 42.18%usaa Gen ind co tX 18,036,924 0.56% 17,225,427 13,528,718 78.54%sentineL ins co Ltd ct 17,289,978 0.53% 16,775,975 11,565,165 68.94%aLLstate ProP & cas ins co iL 16,341,822 0.50% 16,481,954 8,462,651 51.34%ProGressive northern ins co wi 15,389,898 0.47% 15,847,805 8,222,072 51.88%aMerican natL ProP & cas co Mo 14,513,620 0.45% 13,802,533 8,670,190 62.82%ids ProP cas ins co wi 14,487,024 0.45% 14,801,952 9,817,782 66.33%aLLstate ins co iL 13,963,235 0.43% 14,350,833 4,612,128 32.14%truMbuLL ins co ct 13,935,195 0.43% 15,270,237 13,070,905 85.60%MetroPoLitan ProP & cas ins co ri 12,107,833 0.37% 12,693,652 5,609,027 44.19%inteGritY ProP & cas ins co wi 12,084,239 0.37% 12,298,616 7,152,711 58.16%acuitY a Mut ins co wi 11,838,669 0.37% 10,713,433 5,025,917 46.91%secura suPreMe ins co wi 11,605,146 0.36% 11,433,763 7,496,723 65.57%Geico ind co Md 10,952,244 0.34% 11,546,974 6,509,389 56.37%seLective ins co of sc in 10,688,622 0.33% 11,012,491 7,009,694 63.65%GovernMent eMPLoYees ins co Md 10,349,227 0.32% 10,217,252 6,621,874 64.81%Garrison ProP & cas ins co tX 10,346,711 0.32% 9,959,457 7,552,675 75.83%nationwide ins co of aMer wi 10,110,591 0.31% 9,930,432 9,303,064 93.68%teachers ins co iL 9,578,070 0.30% 8,966,723 6,375,968 71.11%21st centurY centenniaL ins co Pa 9,352,107 0.29% 10,561,626 7,632,797 72.27% 232 Companies in RepoRt 3,241,921,714 100.00% 3,192,565,321 1,900,053,334 59.51%

•• Auto•

Minnesota Insurance Page 15

Cover Story

Personal Auto Home OwnersHomeoWneRs Domicile Direct market Direct Direct pure premiums share premiums Losses DirectCompany name Written earned incurred Loss Ratio

state farM fire & cas co iL 539,756,468 26.82% 526,268,193 239,533,306 45.52%aMerican faMiLY Mut ins co wi 253,044,803 12.57% 246,382,388 121,977,357 49.51%fire ins eXch ca 108,541,767 5.39% 104,831,060 47,153,226 44.98%owners ins co oh 82,156,207 4.08% 82,507,290 35,526,625 43.06%traveLers hoMe & Marine ins co ct 52,250,566 2.60% 47,657,972 16,851,289 35.36%auto cLub ins assoc Mi 47,762,587 2.37% 46,622,777 17,838,006 38.26%farMers ins eXch ca 45,364,601 2.25% 46,419,563 15,085,853 32.50%north star Mut ins co Mn 42,502,367 2.11% 41,930,708 13,329,382 31.79%safeco ins co of iL iL 42,078,430 2.09% 42,623,504 27,266,593 63.97%aLLstate ProP & cas ins co iL 40,452,041 2.01% 40,885,046 24,563,918 60.08%dePositors ins co ia 35,754,057 1.78% 32,740,212 19,524,972 59.64%western natL Mut ins co Mn 34,562,506 1.72% 34,105,834 13,384,130 39.24%LibertY ins corP iL 32,928,740 1.64% 30,567,469 17,065,749 55.83%countrY Mut ins co iL 28,172,791 1.40% 27,898,089 14,617,891 52.40%united serv autoMobiLe assn tX 27,969,201 1.39% 27,649,545 12,953,675 46.85%usaa cas ins co tX 24,971,292 1.24% 24,430,964 11,266,315 46.11%MetroPoLitan ProP & cas ins co ri 22,874,313 1.14% 23,881,939 8,041,143 33.67%aLLstate ind co iL 22,736,248 1.13% 23,835,577 12,820,827 53.79%hoMesite ins co of the Midwest nd 20,767,961 1.03% 19,850,328 6,217,505 31.32%encoMPass ind co iL 20,556,778 1.02% 21,379,278 15,628,470 73.10%auto owners ins co Mi 19,954,061 0.99% 20,060,672 8,503,831 42.39%west bend Mut ins co wi 19,951,464 0.99% 18,532,017 10,320,708 55.69%cincinnati ins co oh 19,387,084 0.96% 18,522,059 12,282,684 66.31%LibertY Mut fire ins co wi 18,096,728 0.90% 19,552,643 7,054,953 36.08%MiLbank ins co ia 17,455,326 0.87% 17,391,268 7,003,661 40.27%aMerican strateGic ins corP fL 16,226,610 0.81% 13,090,469 11,064,552 84.52%aLLstate ins co iL 16,203,886 0.81% 16,837,025 8,281,926 49.19%farM bureau ProP & cas ins co ia 16,000,340 0.80% 15,484,010 5,292,632 34.18%chubb ind ins co nY 15,833,836 0.79% 15,205,004 12,471,850 82.02%econoMY PreMier assur co iL 14,434,393 0.72% 15,074,983 7,385,241 48.99%ids ProP cas ins co wi 13,769,662 0.68% 14,013,045 12,160,955 86.78%seLective ins co of sc in 12,075,263 0.60% 12,149,715 10,669,553 87.82%horace Mann ProP & cas ins co iL 11,771,487 0.58% 11,266,741 6,154,030 54.62%raM Mut ins co Mn 11,328,958 0.56% 11,082,130 2,208,040 19.92%secura suPreMe ins co wi 11,317,982 0.56% 11,064,254 5,736,254 51.84%acuitY a Mut ins co wi 10,657,508 0.53% 9,553,065 4,469,530 46.79%aMerican natL ProP & cas co Mo 10,357,516 0.51% 9,734,152 5,491,906 56.42%foreMost ins co Grand raPids Mi Mi 10,158,910 0.50% 9,953,496 3,676,896 36.94%usaa Gen ind co tX 9,814,904 0.49% 8,854,841 5,736,313 64.78%austin Mut ins co Mn 9,024,551 0.45% 9,332,117 2,419,007 25.92%ProPertY & cas ins co of hartford in 8,628,888 0.43% 9,120,967 5,402,502 59.23%Great northern ins co in 8,180,698 0.41% 7,967,946 9,610,247 120.61%aMica Mut ins co ri 8,061,075 0.40% 7,859,537 3,656,282 46.52%aLLstate vehicLe & ProP ins co iL 7,720,754 0.38% 2,749,364 657,515 23.92%aMco ins co ia 6,885,007 0.34% 7,258,415 3,891,197 53.61%bankers standard ins co Pa 6,514,983 0.32% 6,005,364 4,232,354 70.48%wiLson Mut ins co wi 6,344,720 0.32% 6,580,048 3,978,980 60.47%iLLinois farMers ins co iL 6,325,285 0.31% 6,609,216 1,861,315 28.16%inteGritY ProP & cas ins co wi 6,162,839 0.31% 6,228,854 5,370,310 86.22%westfieLd natL ins co oh 5,860,709 0.29% 5,740,089 1,792,006 31.22%traveLers coMMerciaL ins co ct 5,081,602 0.25% 4,877,376 1,134,671 23.26%unitrin auto & hoMe ins co nY 4,881,026 0.24% 5,199,442 3,333,926 64.12%nationwide ins co of aMer wi 4,740,766 0.24% 4,393,967 3,635,079 82.73%truMbuLL ins co ct 4,624,178 0.23% 4,307,037 2,945,226 68.38% 161 Companies in RepoRt 2,012,503,749 100.00% 1,966,662,728 945,681,879 48.09%

•• Home

Minnesota Insurance Page 16

Cover Story

c

LiabilityLiaBiLitY Domicile Direct market Direct Direct pure premiums share premiums Losses DirectCompany name Written earned incurred Loss Ratio

nationaL union fire ins co of Pitts Pa 63,946,067 7.53% 64,650,021 69,256,445 107.13%federaL ins co in 50,850,304 5.99% 49,576,423 13,627,772 27.49%Zurich aMer ins co nY 32,476,205 3.83% 31,566,301 14,682,136 46.51%state farM fire & cas co iL 29,318,564 3.45% 28,608,142 16,812,886 58.77%continentaL cas co iL 28,135,701 3.32% 27,375,026 17,019,978 62.17%west bend Mut ins co wi 24,714,937 2.91% 24,851,021 5,089,253 20.48%traveLers ProP cas co of aMer ct 22,447,105 2.65% 21,365,623 9,473,514 44.34%aMerican faMiLY Mut ins co wi 18,544,989 2.19% 18,420,234 4,924,985 26.74%traveLers cas & suretY co of aMer ct 17,948,076 2.11% 18,154,571 11,074,848 61.00%cincinnati ins co oh 17,497,842 2.06% 17,348,769 5,440,121 31.36%ace aMer ins co Pa 16,674,227 1.96% 16,928,520 17,841,529 105.39%western natL Mut ins co Mn 16,575,796 1.95% 16,407,659 1,660,874 10.12%north star Mut ins co Mn 16,274,334 1.92% 16,102,309 2,925,953 18.17%ace ProP & cas ins co Pa 12,545,966 1.48% 12,936,313 10,358,661 80.07%Minnesota LawYers Mut ins co Mn 11,426,146 1.35% 11,043,756 3,572,557 32.35%federated Mut ins co Mn 10,110,191 1.19% 9,841,068 3,758,187 38.19%GrinneLL Mut reins co ia 9,703,362 1.14% 9,579,052 4,035,356 42.13%auto owners ins co Mi 9,628,350 1.13% 9,766,487 2,591,251 26.53%owners ins co oh 9,460,510 1.11% 9,271,633 1,477,288 15.93%XL sPeciaLtY ins co de 9,224,893 1.09% 9,050,525 23,642,959 261.23%acuitY a Mut ins co wi 9,088,956 1.07% 8,938,592 2,361,262 26.42%starr ind & Liab co tX 8,876,945 1.05% 8,739,496 933,500 10.68%PhiLadeLPhia ind ins co Pa 8,616,521 1.02% 8,274,069 2,893,953 34.98%caterPiLLar ins co Mo 8,480,111 1.00% 7,687,944 5,780,594 75.19%aXis ins co iL 8,331,824 0.98% 8,469,881 584,883 6.91%hanover ins co nh 8,318,623 0.98% 7,935,146 774,157 9.76%eMPLoYers Mut cas co ia 7,743,238 0.91% 7,335,380 703,384 9.59%berkshire hathawaY sPeciaLtY ins co ne 7,263,518 0.86% 1,283,824 782,186 60.93%arch ins co Mo 6,893,427 0.81% 6,503,469 1,669,097 25.66%Great aMer ins co oh 6,808,581 0.80% 6,928,906 445,575 6.43%Greenwich ins co de 6,790,302 0.80% 6,041,412 1,959,974 32.44%westchester fire ins co Pa 6,433,267 0.76% 5,974,321 1,204,244 20.16%securian cas co Mn 6,371,632 0.75% 6,046,416 2,254,324 37.28%us sPeciaLtY ins co tX 6,303,816 0.74% 5,872,611 37,737,428 642.60%naviGators ins co nY 6,115,749 0.72% 6,297,726 829,926 13.18%farMers ins eXch ca 5,868,018 0.69% 5,636,947 3,587,622 63.64%scottsdaLe ind co oh 5,804,125 0.68% 5,934,692 439,078 7.40%united fire & cas co ia 5,789,023 0.68% 5,628,401 1,389,110 24.68%traveLers ind co ct 5,641,332 0.66% 5,190,028 1,137,420 21.92%Great west cas co ne 5,440,505 0.64% 5,133,042 4,651,332 90.62%aLLied worLd natL assur co nh 5,252,311 0.62% 5,979,010 100,602 1.68%LibertY ins corP iL 5,222,901 0.62% 4,819,801 (759,266) -15.75%endurance risk soLutions assur co de 5,195,828 0.61% 4,893,540 1,231,281 25.16%twin citY fire ins co co in 5,020,595 0.59% 4,766,747 3,042,618 63.83%berkLeY ins co de 4,806,679 0.57% 4,174,330 1,558,122 37.33%rsui ind co nh 4,750,898 0.56% 5,624,535 21,892,189 389.23%united states Liab ins co Pa 4,696,042 0.55% 4,461,585 577,599 12.95%cuMis ins societY inc ia 4,308,532 0.51% 4,047,846 1,887,828 46.64%XL ins aMer inc de 4,202,838 0.50% 4,173,973 (1,328,940) -31.84%riverPort ins co ia 4,075,481 0.48% 4,154,110 1,267,369 30.51%westPort ins corP Mo 3,803,464 0.45% 3,078,889 6,356,025 206.44%secura ins a Mut co wi 3,740,864 0.44% 3,493,855 596,141 17.06%aMerican Guar & Liab ins nY 3,706,341 0.44% 3,849,945 19,786,318 513.94%LibertY Mut fire ins co wi 3,679,428 0.43% 3,973,287 1,537,867 38.71% 442 Companies in RepoRt 848,668,654 100.00% 832,487,668 441,250,044 53.00%

•• Liability

Workers’ Comp for Working People

We are Workers’ Comp. AMERISAFE provides Workers’ Comp Insurance focused on small to mid-sized employers in hazardous industries. Specialized underwriting knowledge of hazardous industries, extensive field services in workplace safety and claims management, and financial soundness is demonstrated by our A. M. Best & Company rating of “A” (Excellent). AMERISAFE is the right choice for your Workers’ Comp Insurance needs.

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Liability

Minnesota Insurance Page 18

Whispers & Shouts

Hazeltinad.qxp:Hazeltin Ad 2/10/10 9:24 AM Page 1

• Contract Bonds • License & Permit • Probate & Civil Court • Fidelity/ERISA • Hard to Place/Poor Credit

Please contact Nick Newton at:

nick@newtonbonding.com Phone: 651-342-1480 Fax: 651-342-1763 5620 Memorial Ave N, Suite E, Stillwater MN 55082

There is trouble in Greenwood, a township between Cook and Tower in northeastern Minnesota. At least that is what the Min-nesota Association of Townships Insurance Trust (MATIT) thinks.The Timberjay newspaper in Tower reported that MATIT general counsel Eric Hedtke told the township board July 12 that for the first time his organization is considering dropping a township. Hedtke cited 16 errors and omissions claims against Greenwood in the past decade. “This is far more than any other township,” he said, noting the most recent three to four claims seemed to stem directly from internal fighting within the township. According to a report by the Timberjay’s Jodi Summit, Hedtke said MATIT’s investigator has identified a number of potential lawsuits the town-ship may face. Hedtke said that while the board has other insur-ance options, it is likely it would pay much higher premiums. “What I am telling you,” Hedtke warned, “is that you are on thin ice. I would encourage you to see what is at stake,” according to the report.

Alycia Riedl is the new Region 4 Vice President for the National Association of Health Underwriters. A former MAHU president, Riedl is vice president of human capital and benefits consultant at Willis Towers Watson in St. Louis Park.

For the second consecutive year, The Minnesota Association of Health Underwriters has received the Legislative Excellence Award from the national chapter. The association also received its second consecutive Gold Certification that reflects a large number of successful chapter activities.

Two women, who have become hometown insurance agents, were featured in the Albert Lea Tribune. Lyssa Warmka has opened a

There’s Trouble in Greenwood and That May Mean No Insurance

The Marshik Agency in Little Falls is observing its 50th year. The multi-line agency will celebrate with a week of prize draw-ings and giveaways capped by a picnic-style lunch on Aug. 11. Richard Marshik started the agency in 1966. Craig Pearson joined him in 1980 and later purchased the agency. Rosi Przy-billa, who joined the agency in 1983, subsequently purchased it from Pearson in 2013. The current agency staff has more than 40 years of cumulative service. They are in the front row: Denise Czech and Mary Brutger. Back: Nancy King, Przybilla and Ashley Russell.

• Agents Give Views on Blue Cross MNsure Exit.

• Adjuster Seeks Willmar City Council Seat.

• Alycia Riedl New Region 4 NAHU VP.

• Ex-Allianz CEO Bhojwani’s New Job at CNO.

• Gebhard Promoted at SFM Mutual.

• Western National, North Star Honored.

Minnesota Insurance Page 19

Whispers & Shouts

www.piamn.com | 866-694-7070

INFORMWE KEEP YOU INFORMEDOur weekly Agent Focus newsletter gives you quick access to the news that’s important to your agency. Our web site provides links to educational opportunities, agency solutions including Errors & Omissions and much more.

Connect with PIA! Connect with PIA!

There’s Trouble in Greenwood and That May Mean No Insurance

Farmers Insurance Group office in Wells. When she and her husband returned to her hometown she was not sure what she want-ed to do until she received a call from long-time Farmers agent Karen Brandenberg, who was retiring. Although Warmka had eight years of sales experience with Nor-dstrom’s, she had none in insurance. Bran-denberg told Warmka that were three other agents who wanted to take over the agency, but that she wanted someone from Wells that her clients knew. According to the Tribune’s report, Brandenberg had known Warmka since she was born. After accept-ing the offer, Warmka completed a week training session with Farmers in California, then earned her insurance license and went through more training with Farmers before shadowing Brandenberg on the job. Warm-ka now manages approximately 750 Farm-ers Insurance auto, home and life insurance policies, while Brandenburg works from home on Blue Cross-Blue Shield policies, health supplements and other coverages. Warmka says she will eventually buy these accounts from Brandenburg, but is focus-ing on her current client list first.

Donna Yokiel, an agent at the Wells Insurance Agency since 2001, handles a wide scope of insurance. Her clients need cov-erages for crop, health, auto, home, com-mercial, health and farm—both large and small. Her busiest months are from Oc-tober to January as she helps clients find health insurance. “My favorite part of the business is that I am able to offer such a wide variety of services,” Yokiel told the newspaper.

The departure of Blue Cross from the state’s individual health market will hit the Mankato area harder than most, agent Mary McClure told the Mankato Free Press June 24, because the exit leaves the area with Medica as its only option. “That’s generally not good for the consumer,” Mc-Clure told the paper, because each insurer contracts with a provider network of phy-

sicians, hospitals and other providers. She further explained that customers who are not attracted to Medica face the option of going outside the network, which means they will pay more. “You better make sure you’re always in network, because if you’re out of network, it could absolutely bankrupt you,” McClure was quoted as saying. She cited the example of psychia-trists at the Mankato Clinic who are “out of network” for Medica customers. More-over, she told reporter Dan Linehan, the lack of competition would enable a single carrier to raise prices. McClure added that Medicare patients are not affected by Blue Cross’s departure nor are those who get coverage through an employer. Aaron Hatanpa, a State Farm agent in Mankato, said there is a possibility that another car-rier could jump into the individual market in the Mankato area next year, but that is highly unlikely. Given the losses carriers have seen in the individual market, Hat-anpa told Linehan that he did not envision any rushing into the marketplace.

Fernando Alvarado, a 23-year field claims representative with Auto Owners in Willmar, is seeking a city council seat in that city’s general election in November. A Navy veteran, Alvarado also served on the city’s planning commission.

Andy Gebhard has been promoted to vice president, communications at SFM in Bloomington. Gebhard, who joined the

company in 2007, was previously director of communications.

Gary Bhojwani, the former CEO of Alli-anz Life in Golden Valley, has been hired as the president of Carmel Indiana-based CNO Financial. He was president and CEO of Minneapolis-based Allianz Life Insur-ance Co. of North America from 2007 to 2012.

City attorney Andy Borland told the Nash-wauk city council that in order to have in-surance through the League of Minnesota Cities it needs to annually appoint an insur-ance agent in addition to renewing with a carrier. Nashwauk is near Hibbing.

North Star Mutual and Western Nation-al have been named to Ward’s 50 Bench-mark Group of top-performing property/casualty companies for 2016. It was the 12th straight year for North Star and 11th time in the past 12 years for Western Na-tional. The designation is based on achiev-ing outstanding financial results in safety, consistency, and performance over the pre-vious five years. n

Correction: A photo in the June issue incorrectly identified Cindy Jordan’s employer. She is with Risk Placement Services.

Donna Yokiel Mary McClure Fernando Alvarado Gary Bhojwani Andy Gebhard Alycia Riedl Lyssa Warmka Aaron Hatanpa

Minnesota Insurance Page 20

STEP INSIDE NORTH STAR RESOURCE GROUPNorth Star provides customized solutions to assist individuals, professionals, physicians and business owners in reaching their financial goals. North Star’s strength is generated from the long-term commitment to its clients, fellow advisors, team members, the industry and its communities. Our experienced professionals offer access to a broad range of wealth management services, as well as diverse financial expertise and responsive service.

AWARDS AND RECOGNITIONSTop Workplaces 2016 by Star Tribune by Minnesota Business Magazine’s Community Impact Awards

Best in Class: Mid-size Company by Minnesota Business Magazine’s Community Impact Awards2 by Minnesota Business Magazine

Finalist for the Invest in Others Corporate Philanthropy Award by Invest in Others/InvestmentNews

100 Best Companies to Work For 2015 by Minnesota Business Magazine

Recipient (2015) and Finalist (2014) of the Minnesota Business Ethics Award1 by the Better Business Bureau of Minnesota & North Dakota

Top 5,000 Fastest Growing Private Companies in the Nation (2014 & 2015) by INC 5000

North Star Resource Group is Interested in Acquiring a Property and Casualty FirmNorth Star has made the strategic decision to expand into providing Property and Casualty product solutions. We currently serve over 120,000 financial services clients and produce recurring financial plans for 1200 households. Many of these clients have not had their Property and casualty coverage’s reviewed for many years. As investment and insurance professionals, we want to assure that all of our clients have the appropriate coverage’s to protect their property and liability exposures in a cost effective manner.

QUICK FACTS*44 Registered Offices

Represented in 23 States150+ Financial Advisors

160+ Team Members2015 Total Revenue: 55.8 million

* as of April 2016

Changing Lives, Forever®Origins tracing back to 1908

Our ValuesResponsibility • Faith • Integrity

Gratitude • Growth • Service

We are interested in identifying Property and Casualty firms

who are looking for a business continuation or succession

planning solution.

If your firm, or if you know of a firm, who is interested in a

conversation with North Star please contact Gary Schwartz:

Gary@northstarfinancial.com Direct: 612.617.6029

Minnesota Insurance Page 21

North Star Professional Center - 2701 University Ave SE, Minneapolis, MN 55414 - Main: 612.617.6000 - Fax: 612.617.6001

North Star Consultants, Inc. • Insurance Products and Services | CRI Securities, LLC • Securities and Investments | Securian Financial Services, Inc. • Variable Products and SecuritiesNorth Star Resource Group offers securities and investment advisory services through CRI Securities, LLC and Securian Financial Services, Inc. Members FINRA/SIPC. CRI Securities, LLC is affiliated with Securian Financial Services, Inc. and North Star Resource Group. North Star Resource Group is not affiliated with Securian Financial Services, Inc. North Star Resource Group is independently owned and operated.

1 Awards are based primarily on criteria relative to leadership, achievement, recruiting, management practices, community service, team unity and education. Sales are not a consideration. There is no fee associated with this award. Companies must be in good standing with the Better Business Bureau for consideration. Working with this advisor or firm is not a guarantee of future financial results. Investors should conduct their own evaluation.

2 GAMA International is a membership organization for which individuals must submit applications and payment. The organization is geared toward those in a recruiting, training, or supervision role in the financial services industry. Awards are based primarily on -commissions, premiums, or fees generated from investment and insurance products and other criteria relative to leadership, achievement, and recruiting selected by the applicant. Individuals must be current with membership dues and submit an application fee for consideration. Working with this individual is not a guarantee of future financial results. Investors should conduct their own evaluation.

1537604 | DOFU 07-2016 www.northstarfinancial.com

CHARITYNorth Star gives 10% of profits annually to their Scott Richards North Star Charitable Foundation and since 2004, has contributed over $3.2 million total.

The foundation focuses on six causes:• Alzheimer’s Disease• Ataxia• Bikes for Kids• Breast Cancer• Cystic Fibrosis• Myelofibrosis

INTERNATIONALLY RECOGNIZEDNorth Star is notably involved in numerous industry organizations, including but not limited to MDRT, NAIFA and GAMA International. North Star is proud to have two past presidents of GAMA—CEO Ed Deutschlander and Executive Chairman and Founder Phil Richards—as well as a future 2018 President, Senior Vice President Mark Bonnett. The impact of North

Star’s advisors and leadership has not been limited to the United States. Phil Richards co-founded GAMA Thailand in 2004, which North Star retains a close relationship with. In past years, North Star leadership has presented to groups in Thailand, the Philippines, Singapore, Greece and more on various topics. Furthermore, North Star has hosted groups from both Thailand and Greece at our headquarters in Minneapolis.

North Star is one of the largest privately heldindependent financial advising firm in the industry

(according to GAMA International 2014 rankings)

Minnesota Insurance Page 22

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• State-of-the-equipment;• Certifi ed technicians

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• Free loaners.• More half century at the same location.

Minnesota Insurance Page 22

Your Long-Term-Care Insurance ResourceWe have been providing group and long-term care insurance to Minnesota agents since 1984. We are a leader in marketing LTCI to more than 180 banks. Working with banks’ valued customers means that we must provide

Contact: Jerry Dock, wildcard@GreenhavenMarketing.com 763-421-1193 1-800-227-4936www. GreenhavenMarketing.com 2621 Fairoak Ave., P.O. Box 98, Anoka MN

We also provide Life Insurance, Group and Individual Medical Insurance, Final Expense Policies, Medicare

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the absolute highest service as well as the best products. We will do the same for your clients.

Richard (Curly) Johnson, 85, died June 26. He was a long-time Prudential agent in Rochester, who retired in 1996.

Robert E. Martin, who worked 35 years for Federated Insurance, died June 29 in the Owatonna Hospital at age 86.

Millie Haataja, who was a secretary for Woodland Mutual Insurance Company in

Carlton, died June 23 at 86.

Dave Troldahl,78, Gaylord, died May 27. He handled insurance and other duties for the Citizens State Bank of Gaylord for 37 years.

John Hannay, 56, Sleepy Eye died May 15. Hannay was a graduate The Carlson Scool of Management at the University of Min-nesota and worked for his father’s insur-

Robert Martin Richard Johnson

Dave Troldahl Millie Haataja

ance agency in Brooklyn Center. He then started an agency in Columbia Heights, that he sold to his partner. Hannay then moved to Sleepy Eye where he worked in auto sales and also at the Community Insurance Agency. n

John Hannay

UNITEDHEALTH’S EARNINGSJUMP 11 PERCENT IN QUARTER

UnitedHealth’s second-quarter earn-ings jumped 11 percent to top analyst expectations even though the nation’s largest health insurer took another hit from coverage it sells largely on the Affordable Care Act’s public insurance exchanges.

The Minnetonka company said that losses from its ACA-compliant indi-vidual business came in $200 million above projections.

That contributed to a drop in operating earnings in its largest business segment, UnitedHealthcare, which sells individu-al and employer-sponsored benefits.

UnitedHealth had said earlier this year that it was planning drastic cutbacks in its participation in the ACA’s exchanges in 2017. The insurer sold coverage on ACA exchanges in 34 states this year but only plans so far to offer it in three next year: Nevada, Virginia and New York.

In addition, its new Harken Health sub-sidiary will sell coverage on exchanges in Chicago, Atlanta and South Florida.

Robert Martin Richard Johnson

John Hannay

A NAME COMMITTED TO MINNESOTA

At Risk Placement Services (RPS), we value the relationships we have fostered with Inde-

pendent Agents in the North Star State. Understanding the intimate needs of your company

and your customers is our priority. In addition, we are committed to provide you access

to the top markets and producers in the industry while offering customized solutions

designed, negotiated, and tailored to each unique risk.

To learn more contact Kathy Gallagher-Burton952.646.6769 or email at Kathy_Gallagher-Burton@RPSins.com.

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Minnesota Insurance Page 24

THIS JUST IN

Former Burnsville insurance agent Paul Kottke has been sentenced to 45 days of home monitoring and three years of probation as well as being required to repay $22,000 after pleading guilty to felony theft by swindle in a Dakota County Court. In exchange for a guilty plea, the county agreed to drop insurance fraud charges against him. Kottke admitted in court that he never invested any of the $11,000 Agnes Kahler of Prior Lake had given to him since 1995, said Kahler’s daughter Julie Speiker, owner of the Lakeville Bowl, according to a news report. Speiker and her siblings had been suspicious of Kottke and had urged Kahler to invest her mon-ey elsewhere years ago, but Kottke repeatedly told her he could provide a better rate of return. Financial statements provided to Kahler showing a steady increase in her investments were fakes, printed at the agent’s home-based business. When Kahler became ill, the siblings repeatedly tried to withdraw the funds for their mother’s nursing home care, but Kottke invented reasons for de-lays and at one point promised the check was in the mail. It never came. Kottke moved to Nebraska and medical assistance paid Kahler’s nursing home expenses until she died in 2013, Speiker said, according to a report in the Apple Valley Sun

-0-American Modern Insurance Group has been penalized $1 million by the Minnesota Department of Commerce and ordered to refund money to about 7,000 Minnesota policyholders who were over-charged for so-called force-placed insurance, which lenders make homeowners buy when their HO policies lapse. Sometimes, a lapse or cancellation may be the result of financial hardship on the part of the homeowner. But in some instances, insurance may be force-placed in error or due to a dispute about required coverage. Force-placed policies are often significantly more expensive than voluntary homeowners insurance while providing less coverage, Commerce pointed out. For example, it typically does not cover the homeowner’s personal property or third-party liability. The depart-ment’s investigation found that American Modern charged exces-sive rates in a non-competitive market for force-placed insurance and submitted inaccurate information in support of its rates. Under the settlement, Minnesota homeowners who were overcharged or improperly charged for force-placed insurance policies can submit a refund claim. A notice with claim form will be mailed later this year to Minnesotans affected during the 2008-2016 period.

-0-The City of Owatonna and its insurer, the League of Minnesota Cities Insurance Trust, have paid $50,000 to settle an excessive force, illegal arrest and racial profiling federal lawsuit that had initially sought $500,000. The case involved the 2014 arrest of Frank Tubbs, 38, by police who were responding to a report of a woman needing help at an apartment building. According to a news report, the police encountered a woman who had a restrain-ing order against Tubbs as she was leaving the building. An officer contacted a judge for a search warrant. With it, police entered the building. Tubbs resisted and was tasered. A judge subsequently ruled that the officers had misled the judge in requesting the search warrant because the woman’s no-contact order was outdated and the woman had left the building. The lawsuit was filed in Novem-

Agent Sentenced For Swindle; Company Fined $1 Million

ber. Tubbs attorney, John Hamer of Faribault, told the Owatonna newspaper that the police department engaged in harassment, ar-rests and charges against Tubbs, who has been acquitted in three separate trials since 2013. In January, Tubbs was arrested for trying to illegally obtain a gun. Tubbs was convicted in that case and is to be sentenced in October. Steele County Attorney Dan McIntosh denied that his office had been selectively prosecuting Tubbs, a newspaper reported. Jason Hively with they Iverson Re-uvers Condon firm in Bloomington represented the city.

-0-The City of Waseca expects to receive an additional $500,000 in insurance payments to restore its historic Tink Larson base-ball park severely damaged by fire April 6. The city initially got $300,000 but the discovery of a property valuation error pushed the total to $800,000. Arson is the suspected cause. The police department says it has received about 20 tips in the case.

-0-SFM Mutual Insurance Co., has acquired Barrier Free Access, a Byron, Minnesota-based provider of safe-patient-handling products, design consultation and training to medical facili-ties throughout the Upper Midwest. Barrier Free Access started in 1991 as a division of a construction company specializing in home remodeling to allow individuals with disabilities to stay in their homes. The company phased out of construction and be-came a distributor for a wide variety of products designed for acute, post-acute and residential health care facilities.

-0-Optum Palliative and Hospice Care, a division of UnitedHealth, has agreed to pay $18 million to resolve False Claims Act allega-tions that it took Medicare reimbursement for hospice care for patients who were not eligible for such care because they were not terminally ill. The settlement resolves a lawsuit brought by the government alleging that Optum knowingly submitted false claims to Medicare for hospice care from 2000 through 2013 for Medicare patients who were not eligible for the Medicare hos-pice benefit because medical records did not support that they were terminally ill. Optum, which does not operate in Minnesota, said it acted properly and did not engage in wrong doing. The government’s complaint alleged that Optum’s business practices were designed to maximize the number of patients for whom it could bill Medicare without regard to whether the patients were eligible for and needed hospice. These business practices alleg-edly included discouraging doctors from recommending that in-eligible patients be discharged from hospice and failing to ensure that nurses accurately and completely documented patients’ con-

• Owatonna Settles Police Abuse Lawsuit• Waseca Ball Park Gets Insurance Money• Optum Pays $18 Million to Settle Charge• Duluth Diocese Wants Insurers to Pay

Minnesota Insurance Page 25

Agent Sentenced For Swindle; Company Fined $1 Million ditions in the medical records. The allegations resolved by the settlement arose from whistle blower lawsuits initially filed by former employees of Optum under the qui tam provisions of the False Claims Act, which allow private parties to bring suit on behalf of the government and to share in any recovery. The Act allows the United States to intervene in the lawsuits, which it did in this case. The share to be awarded in this case has not yet been determined.

-0-A liberal group, the Consumer Federation of America, has re-leased a study saying that lower-income people—especially those in Minneapolis—pay more for basic auto insurance. The CFA says it is unfair for insurers to consider factors such as an appli-cant’s education, occupation, marital status and housing in decid-ing how much to charge for their insurance. The study claimed to have analyzed 280 insurance quotes for minimum liability cover-age in 15 cities and found that low-income drivers with perfect driving records were quoted premiums nearly 60 percent more than drivers with higher incomes, but who likely had better credit scores, another factor in determining rates.

-0-The Diocese of Duluth, which lost a $4.9 million child sexual abuse case in December and is facing Chapter 11 bankruptcy, has filed a federal lawsuit against five insurance companies, seeking to force their participation in settlement discussions. The insur-ers are Liberty Mutual Group, Catholic Mutual Relief Society of America, Fireman’s Fund Insurance Co., Church Mutual In-surance Co. and Continental Insurance Co. A spokesman for the diocese told the Duluth New Tribune that “the action was com-menced as a precautionary measure to ensure that all appropriate

parties would participate in the mediation process. The mediator now has authority to compel participation in the mediation process if necessary.” The diocese alleges that the insurers have not fully paid what the policies obligate them to pay for any judgments or settlement costs. Mike Finnegan, whose St. Paul law firm repre-sents most of the claimants, told the newspaper: “What this tells me is that the diocese has been putting its insurance companies on notice. There has been a push back by insurance companies to honor the insurance and honor the protection that the diocese has bought for years and years.”

-0-Matt Gray has been promoted to senior vice president, product Innovation in the marketing division at Allianz Life in Golden Val-ley. AA University of Minnesota Graduate, he began his career as an intern in Allianz’s actuarial division.

-0-The owner of an Alexandria restaurant that burned down three years ago was charged July 7 with insurance fraud, conspiring to commit arson and theft by swindle. A criminal complaint alleges that in 2013, David Galbraith, 26, the co-owner of Blue Smoke BBQ, paid Derrick Bradley, then-manager of the restaurant, to burn down the building so Galbraith could collect insurance pro-ceeds at a time when the business was failing. The complaint al-leges that as a result of the fire, Galbraith collected more than $266,000 in insurance proceeds. Douglas County Attorney Chad Larson said that Bradley voluntarily came forward with informa-tion and cooperated with the investigation. Without that operation, he said, the fire would have been considered accidental. For that reason, Bradley would not be charged, according to a Forum News Service report. n

Minnesota Insurance Page 19Minnesota Insurance Page 11

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it with a check to: Minnesota Insurance Maga-zine, 1107 Hazeltine, MD 16, Chaska MN 55318.Or, you may subscribe by calling 763-208-2924; Or, by visiting our website: meuseypublishing.com; or by email:info@meuseypublishing.com

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NAME__________________________

COMPANY______________________

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CITY, STATE_______________________

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tiful and not join the trend toward full-scale fi nancial planning. The Minnesota Associa-tion of Life Underwriters had 2,600 mem-bers about that time. The organization has since been renamed the Minnesota chapter of the National Association of Insurance and Financial Advisors with fewer members.

Fern Lighton, who owned the Brandt Agen-cy in Minneapolis, had a response that rings as true today as it did three decades ago . . . and perhaps as long as three centuries before that. “This is the most turbulent time I have seen in my four decades in the business,” she pronounced, adding that her colleagues generally suffered from eternal and unwar-ranted optimism. “If you see an agency for sale today,” she said, “it is probably because the owner and his customers are 105 years old, or it has a terrible loss ratio.”

Skepticism, as Traeger Sr. pointed out, is usually warranted when it comes to fore-

casts and projections. Change usually happens much more slowly than envisioned. For example, in 1991 300 agents and brokers gathered for a meeting sponsored by the Minne-sota Association of Health Underwriters to hear about a report prepared by the Minnesota Health Care Access Committee. The committee, appointed by then Gov. Rudy Perpich, was studying what to do about the seven percent of the state’s population without health insurance. Dale Rehkamp, a broker with the W. A. Lang Agency in Minneapolis, moni-tored the commission’s meetings for the association. He told the crowd he thought the Health Care Access Committee’s true preference—even though it said private insurance carriers and agents had a role—was for a government-run system similar to Canada’s. Insurance lobbyist Dom Sposeto correctly predicted that the $250 million price would discourage the legislature from adopting the committee’s recommendation any time soon.

Thirty years later the uninsured are still an issue. If, in another three decades or so—say 2048—the ACA does eventually result in the complete socialization of health care Traeger was warned about in 1948, it would be just a mere century later than his friends predicted.

THE Future:Continued from Page 15

■

Minnesota Insurance Page 26

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2016 – 2017

Property–Casualty Directory

+ Thousands of Names

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HORIZON AGENCY, INC. 6500 City West Parkway Ste 100 952-944-2929 FAX: 952-944-3091 email: info@horizonagency.com www.horizonagency.com

Owner: Daniel J. Scattarella, CPCU, President; James W. Hoeschler, JD, Executive Vice President; Lawrence l. Kitts, CLU, ChFC, ExecutiveVice President. Employees: 47 Key People: James Bina, CPCU,Executive vice president; Tim Cleary, vice president; Rob Kirschbaum,vice president; Jim Halek, VP; Jeff Hotvet, VP; Tim Scatarella,VP; Bill Homeyer, VP; Rob Martin, VP; Tom Stafford; Steve Haskins, VP; Scott Haskins, VP; Field Olson, VP; Dick Devine, VP; David Psyhos, VP; Tom Devine, VP; Corey Brown, VP; Tim Donovan, VP, ZachGilman, VP.

Companies: Cincinnati, Chubb, CNA, Guide One,Hartford, Hartford Steam Boiler, Secura, State Auto, SFM,Travelers, West Bend, Zurich, Indiana, Hanover, Auto Owners,Allied, QBE, Selective, EMC, Foremost, Progressive, Pure Insurance Co., MetLife, United Fire, Nationwide. Premium: $40-50 million;8% personal, 76% commercial, 16% life. Specialization: Ski-related risks, property management, auto dealers, manufacturing, contractors. Notes: David Agency merged with Horizon in 2015. Started by Dan Scattarella and Larry Kitts in 1974. Horizon Agency has over 2,500 commercial and individual accounts.

SAMPLE

LISTING

Minnesota Insurance Page 27

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__________ GCD__________ CD__________ AD__________ CW__________ AE__________ Traffic__________ Proof

Approvals:

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Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ) and Pruco Life Insurance Company of New Jersey (in NY and/or NJ). All are Prudential Financial companies located in Newark, NJ. Guarantees are based on the claims-paying ability of the issuing company.The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply. Obtaining benefits under the terms of the rider will reduce and may eliminate the death benefit.Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to the receipt of accelerated death benefits are complex and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). Clients should consult tax and legal advisors prior to initiating any claim.A licensed health care practitioner must certify that the insured is chronically or terminally ill to qualify for benefits. Chronic illness claims will require recertification by a licensed health care practitioner. Other terms and conditions may apply. This rider is not Long-Term Care (LTC) insurance and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic or terminal illness. The rider is a life insurance accelerated death benefit product, is generally not subject to health insurance requirements, and may not be available in all states.© 2015 Prudential Financial, Inc. and its related entities. FOR THE EDUCATION OF PRODUCERS/BROKERS ONLY. NOT FOR USE WITH THE PUBLIC. 0275755-00001-01

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EMC does more than handle claims, we score them. Information gathered from adjusters and customers provides us with metrics to continually enhance the quality and promptness of EMC’s claims handling. It’s just one of the many reasons policyholders Count on EMC ®.

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MINNEAPOLIS BRANCH OFFICEPhone: 800-362-4670 | Home Office: Des Moines, IA © Copyright Employers Mutual Casualty Company 2016. All rights reserved.

www.emcins.com

SCORING CLAIMSFOR BETTER SERVICE.

Minnesota_News_7.5x10_ScoringClaims_Britt.indd 1 5/10/2016 12:35:08 PM