GreatChicago Fire

6 SUMMER RISKS

12 TIPS VOICES

09-11

T o m o r r o w ’ sI n s u r a n c e

P r o f e s s i o n a l s

ISSUE 4 | May 2013

A MADISON COLLEGE PROGRAM PUBLICATION

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Joshua Kosnick CLU®, ChFC®Managing Directorjoshua-kosnick.com

As a Northwestern Mutual Financial Representative, you’ll go as far as your potential can take you. And you’ll have the backing of a leading financial organization that truly values the entrepreneurial spirit, one that’s earned the top ranking in its industry in Selling Power magazine, to help you do it.

Imagine a career where the only thing holding you back is untapped potential.

05-2823 © 2012 Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities) and its subsidiaries. Northwestern Mutual Investment Services, LLC (NMIS) (securities), a subsidiary of NM, broker-dealer, registered investment adviser, and member of FINRA and SIPC. Joshua Steven Kosnick, District Agent(s) of NM. Managing Directors are not in legal partnership with each other, NM or its affiliates. Joshua Steven Kosnick, Registered Representative(s) and Investment Advisor Representative(s) of NMIS. “50 Best Companies to Sell For” November 2011.

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I was privileged to accompany a class to a Risk Management Society (RIMS) meeting in Wauwatosa. I made three observations about the trip:

•Trips like this give depth to the discus-sions that occur during class. During the presentation, instructor Martha Lester-Mittenzwei asked students about the concepts being discussed. On the trip home, these discussions continued, and students made real-life connections to the cases presented. We even tackled Obamacare and drunk-driving laws!

•Students practiced soft skills necessary for success in any professional situation. Some were initially hesitant to partici-pate in the “meet and greet” portion of the meeting, but Martha made a point to introduce students to people from a variety of fields.

•The students from Madison College were the only students present. Excellent and passionate instructors like Martha combined with an institution committed to experiences beyond the classroom help provide our students with an unparalleled educational experience.

Thanks to all those who help our students have these experiences, whether through direct donations to the Insurance and Risk Management pro-gram, advertising in editions of TIPS, or participating in other ways through the program. Your efforts help Madison College stay true to its vision, “transform-ing lives, one at a time.”

—Kathy SorensenAssociAte DeAn

Business AnD ApplieD Arts

T o m o r r o w ’ s I n s u r a n c e P r o f e s s i o n a l s

Dr. Bettsey Barhorst PresidentTerry Webb Vice President, Learner SuccessTurina Bakken Associate Vice President, Learner SuccessBryan Woodhouse Dean, School of Business & Applied ArtsDenise Reimer Associate Dean, School of Business & Applied ArtsKathy Sorenson Associate Dean, School of Business & Applied ArtsRobert Dinndorf Executive Director, FoundationMartha Lester-Mittenzwei MBA, AAI, AIC, CIC, Insurance & Risk Management Program Director

TIPs is issued 2xs annually, April and October. All profits are returned to the Insurance & Risk Management Scholarship and Professional Development Fund for students.To support and encourage the students through advertising, contact Martha Lester-Mittenzwei, Insurance & Risk Management Program Director, mlester-mittenz@madisoncollege.edu or 608-243-5417 for information and rates.Volume 004 Copyright 2013http://madisoncollege.edu/program-info/insurance-certificateFollow the students on Facebook: Insurance & Risk Management Program, Madison CollegeCover Image: Chicago in Flames: Scene at Randolph Street Bridge, by Currier and Ives, 1871 (from Library of Congress).Magazine template design by Ethan FramePage layout and production by Ingrid Slamer, Graphic Design Program, Madison CollegeAdditional Images: Creative Commons and Dreamstime.comDisclaimer: The information provided in the articles is based on students’ learning and inter-pretation and does not constitute legal advice. Readers are advised to conduct their own due diligence on information prior to implementation or reliance upon any material provided.

INSURANCE and RISK

GREAT CHICAGO FIRE

STUDENT VOICES

STUDENT SUCCESS

FALL SCHEDULE

06–0709–11

12–14

2015–17

04–05FOCUS ON THE FUTURE

Staying true to our vision!

F O C U S O N T H E F U T U R E

Education at Madison College is more than a text book. This college is focused on bringing

the real world into the classroom and taking the student out into the industry they hope to be a part of. As you will see from the students’ writings, we were able to attend quite a few insurance and risk management programs this semester. The gra-ciousness of our industry in particular has offered students experiences that they cannot receive in the classroom. I have to admit, I truly enjoy seeing our luncheons, conferences, and offices from their perspective and I’m sincerely appreciative that the insurance and risk management industries are so welcoming of the students.

EDUCATION —MORE THAN A TEXTBOOKMartha Lester-MittenzweiinsurAnce AnD risk MAnAgeMent progrAM Director

Martha Lester-Mittenzwei is the Insurance & Risk Management Program Director. An alumnus of Madison College, Martha returns with over 30 years of industry experience and a Masters of Business Administration, with a double emphasis in Insur-ance & Risk Management and Human Resources, from Concordia University. She has earned her Associates in Claims, Accred-ited Advisor in Insurance, and Certified Insurance Counselor Designations. Martha can be reached at 608-243-5417 or email mlester-mittenz@madisoncollege.edu.

Above: Jason Gates from Risk Insurance Management Society WI Chapter presenting a $2,000.00 scholarship to the College.

The outreach to offer these bright, ambitious, knowledgeable students internships is also amaz-ing. As I write this, several insurance students are waiting for call backs on second interviews and internship offers.

With each course, we look at a piece of insur-ance history. This semester, students in Intro to Loss Investigations were introduced to The Great Chicago Fire of 1871. Not only was it a disastrous event but that devastation changed our industry in a very positive way. The students (and our industry) learned a lot about geographical diversification of risks, loss ratios, rating factors, and the importance of financial stability through this tragedy. Insurance was no longer about who could sell the most poli-cies by offering the lowest rates but more about how to establish reasonable premiums so there would be money to pay potential losses. Coopera-tive price setting by local boards allowed for more adequate, stable rates to be set. By pooling the knowledge of local agents with subjective data, more realistic insurance premiums could be set; the role of today’s actuary.

Building construction also changed for the better. Fire resistant materials created safer environ-ments for businesses and homes. This not only led to longevity of real property and the creation of multi-stories but to lower premiums. This saved lives.

Of course, we also learned from the persever-ance of the people who inhabited that great city at the time. To lose everything, start over, and build Chicago back was incredible. In the media of the 1800’s, how did they get the world to help them?

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Martin Luther King Jr. once said, “We must accept finite disappointment, but never lose infinite hope.” That message echoes in what is Chicago today.

As we finish up another school year, and approach summer break, we have also been dis-cussing the risks that increase during those warm months; host liquor liability for graduation parties and gatherings, watercraft exposures, recreational vehicle usage, weather damage to homes, and so on. This presents a great opportunity for students to apply risk management strategies to every-day life. In addition, the importance of reading and understanding one’s insurance policies is rec-ognized. Suddenly, there is a realization that the exposure exists, the negative impact it can have, and how these studies apply to us all.

It is difficult to get non-insurance students to think about insurance and risk management as

careers but once they take a class, they consis-tently comment “I get this”, “This makes complete sense”, “I didn’t know THIS is what insurance is”, and they want to learn more. My students started a Risk & Insurance Club this semester to offer other students an opportunity to gain exposure to these great industries.

As those of us in the “baby-boomer genera-tion” watch our friends and co-workers retire, we realize the need to pass the challenges and excite-ment of this industry on to the next generation and to find those willing to accept the challenge. Thank you for your gifts of scholarship money, your extension of offers to bring the students to your conferences, lunches, programs, and offices, and for helping me to show this next generation of learners the fabulous potential that awaits them in insurance and risk management careers.

g r e e t i n g s f r o M p r e s i D e n t B A r h o r s t

Bettsey L. Barhorst, PhDpresiDent, MADison college

T he theme of this edition of tips is risk taking. sometimes, risk taking has everything to do with courage and bold vision. here’s an example: this year, Madison college is opening four new

buildings at our truax campus. those are in addition to the extensive renovations at each of our regional campuses in fort Atkinson, portage, reedsburg and Watertown. they’re all part of the col-lege’s $133.7 million “smart future” building plan approved by the voters of our district in 2010.

As we open our new facilities, i’m reminded that “risk” was an important factor that weighed heav-ily into the college’s decision to proceed with the referendum in the first place. We considered the risk of asking voters—in the midst of the greatest economic downturn since the great Depression—to support the construction of state-of-the-art facilities in which our students would receive the training and edu-cation that employers are seeking. But when weighing risks, one must also consider potential benefits.

fortunately, taxpayers chose to accept that risk, because students at Madison college will con-tinue to be equipped with the advanced technology, tools and instruction they need to be successful in the workplace. it’s a risk that will pay dividends for the students we serve, the employers who hire them and the communities they’ll call “home.” thank you for your continued friendship and support of Madison college.

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Reduce your chances of a loss

by taking the following steps:

1. Before the family, friends and kids come, make sure the

swing set is level and the limbs and structure of the tree house

are safe.

2. The swimming pool should be covered if not being used and

the ladder removed to prevent an injury. There should always

be adult supervision when the kids are in the pool. Keep the

fence and stairs locked when the pool is not in use. Whether

the pool is an in-ground, attached or above-ground pool

impacts how it is covered by the insurance policy.

3. Older decks should be checked for loose posts, nails or

screws coming out, steps, railings and loose boards. Taking

these precautions could prevent slipping or falling. Decks

also increase the value of a home. If you are building a deck,

contact your agent to be sure you have adequate coverage for

improvements.

4. A security system can save money with the insurance com-

pany. They see this as a proactive step to keep your property

safe. Burglaries happen more in the summer when homeown-

ers are on vacation.

5. If you’re taking the boat to the lake, or the ATV along, it’s

important to check the trailer. Also check the bearings and

axle and don’t overload the trailer. Flat tires are the cause of

44% of breakdowns.

6. Motorcycles, motor homes, boats, and off-road vehicles

are not covered under your regular car insurance. Separate

policies will have to be purchased. Be sure to check with your

agent before putting these to use this summer.

I N S U R a N C E

After a long, cold winter, it’s time to think about summer; vacations, kids out of school, back yard cook outs, graduation parties, family reunions and more. You want be sure you’re ready and covered with the appropriate insurance to avoid any type of loss that could occur.

under a standard homeowner’s insurance policy, items such as gas grills, swimming pools, swing sets, tree houses, trampolines, outdoor furniture, bicycles, camping equipment and cameras are covered. it is still very important to keep your insurance company and agent updated as to new, larger purchases so you have adequate coverage in the event of a loss.

LuAnn Kranz is enrolled in the Insurance & Risk Management Certificate Program. She had previous industry experience before switching careers and is back taking classes to brush up on her knowledge and get back into insurance. Derek Schwenn is a Finance Major, graduating in May 2013, with an Insurance & Risk Management Emphasis. He plans on returning in Fall 2013 to com-plete the Insurance & Risk Management Certificate.

what about fido?All of my life i have considered myself somewhat of an animal lover. i feel strongly that animals, particular-ly our “pets”, deserve our care and our responsibility once they become in our possession. i’ve been in a situation in which i’ve seen the struggle in being able to pay the pet’s medical bill versus the costs of having an animal euthanized. Are we, as humans, extending the quality of life these animals have or are we just prolonging their death and keeping them in pain due to our own selfish desires? Would pet insurance help? is it worth it?

Many American pet owners today consider their pets to be part of the family; another child even. if that statement is true then why, according to the Ameri-can Animal hospital Association, do only 3% of cur-rent pet owners hold some sort of medical insurance policy on their beloved animals? consumer reports, in August 2011, reported on the cost versus the pay-out of pet medical insurance. in the majority of cases, they determined, the pet owner would have paid more for the insurance than the policy would have paid out over the lifetime of the pet. it wasn’t until potentially serious illnesses were factored in that some of the policies would have been a benefit to the pet owner.

this research shows that even if you are incred-ibly wealthy, taking out an insurance policy on your pet is just a roll of the dice. however, isn’t it the piece of mind that we are looking for? if you love fido as your own child what is the difference between little Billy falling out of backyard tree fort and old Yeller eating the remote and requiring stomach surgery? if your pet is over the age of ten and has serious medi-cal bills adding up to thousands of dollars and it only costs five-hundred dollars to put him down, how quick are we to fork over the thousands?

in my opinion it’s like all other things, a mat-ter of choice. Judging by the facts and figures most people are not losing sleep at night over the fact that their pet is not insured. it seems as though if your pockets are deep enough to be able to afford a policy on your pet, then it shouldn’t be a problem to pay the veterinarian on the rare circumstance that some-thing major happens with fido.

summer safety

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The RIMS Association held a luncheon at Mag-gianos in Wauwatosa Wisconsin, the purpose of which was to review the Wisconsin Insurance Cov-erage Law by presenting and explaining outcomes of several unique cases seen in the court system during 2012. Jeffery Davis, Natalie Maciolek, and Patrick Nolas presented three categories: claims-handling practices, advertising/personal injury coverage, and construction defect coverage, cov-ering the broad spectrum of changes in Insurance Risk Management and the law over the past year.

Jeffery gave an overview of key coverage deci-sions that had taken place in 2012. He explained how communication between insurers and policy holders is becoming even more critical in the insur-ance world as different means of technology make it easier to communicate with each other, but not necessarily in an efficient manner. The insurance companies do themselves a favor by acknowledg-ing the policy holder’s needs and by defending the insured when there are coverage disputes. Insur-ance companies have made significant changes based on new laws concerning the areas of envi-ronmental, construction and advertising issues based on the outcomes of cases, however there were no significant changes in the area of claims.

The first big change came in the category of how an insurance company handles reserving its rights when investigating a claim. Maxwell v. Hartford Union High School District is an example of an insurance company whom defended the insured; Hartford Union High School District, and later denied coverage. The decision was upheld and Maxwell was legally able to deny coverage after defending the insured, although a reservation of rights letter was not issued. This is significant because insurance companies are not stuck cov-ering claims not covered under an insured’s policy.

The second big change was in environmental claims. In the case Miller v. Safeco Insurance Co. of America, the insurance claim ended up being settled in favor of Miller. The insured purchased a home and on the same day they purchased a homeowners policy. The policy was not deliv-ered to the insured for another two months. Five days after purchasing the home the insured dis-covered water infiltration. Their claim was denied based on alleged pre-existing conditions and exclusions. The courts ruled in the favor of Miller because the insurer cannot deny coverage based on undisclosed exclusions. Since the insured had not received the policy at the time, they didn’t have a copy of the exclusions.

The next change was in the area of adver-tising. Sawyer v. West Bend Mutual Insurance Co was a case about junk faxes being sent as a means of advertising. It was claimed that the policy covered junk faxes because they violate a person’s right to privacy. Wisconsin courts agreed with this action and stated that junk faxes violated a person’s right of seclusion. However, the Seven Circuit Court ruled and reversed the findings.

There were numerous other cases not men-tioned here covered by the speakers at the RIMS luncheon, which explained different issues that needed to be solved. However insurance is an ever changing market and the courts will continue to be involved to protect both the insurers and the insured.

Lance Gruenke has a Bachelor’s Degree from the University of Wisconsin-Oshkosh with a Double Major in Economics and History. Lance is enrolled in the Insurance & Risk Manage-ment Certificate, through which he has obtained a position as an Underwriting Technician IV at NSI – A Division of West Bend Mutual Insurance Company in Middleton. Lance is also the President of the Madison College Risk & Insurance Club.

RIMS reviews INSURANCE LAW

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WHAT IS YOUR

FINANCIAL

IQ?

Article prepared by Northwestern Mutual with the coop-eration of Joshua Kosnick. Joshua Kosnick is a Managing Director with Northwestern Mutual the marketing name for The Northwestern Mutual Life Insurance Company (NM), Mil-waukee, Wisconsin, and its subsidiaries. Joshua Kosnick is an agent of NM based in Middleton, WI. To contact Joshua Kos-nick, please call (608) 836-3080, e-mail at joshua.kosnick@nmfn.com or visit nmfn.com/kosnickgroup. This information is not intended as legal or tax advice.

These results were gathered as part of a research study, sponsored by Northwestern Mutual, to help gauge the American public’s overall financial knowledge – as measured by a financial IQ index – and its understanding of insurance products.

For me, the results were a powerful reminder of the reason I make it a point to help clients fully understand their personal finances, so they can make the informed choices that are right for them.

The survey found that some basic finan-cial concepts are well-understood, including the best way to minimize losses in investments (88% answered correctly), asset allocation (79%), and dollar-cost averaging (57%). Likely because of their self-explanatory names, high numbers of Americans also recognize what disability income insurance and long-term care insurance are designed to do.

More often than not, however, Americans fail to understand many key financial concepts – like the average inflation rate over the past decade (known by about one in three), or the product that has traditionally mitigated inflation risk the best (less than one-third answered correctly). The lack of financial knowledge appears to be particularly acute when it comes to permanent life insurance, as only a small percentage of Americans seem to know even the basics of this type of risk protection.

Knowledge is power, though – and Americans recognize it. Nearly eight out of ten consumers feel the need to learn as much as possible about their personal financial situation. I’ve certainly seen this to be true in my practice.

Imagine you’re on a TV quiz show. The host turns to you and offers a list of topics, one of which is Your Personal Finances. Based on your knowledge, is this a category you would choose?

If you answered no, you’re not alone. Four out of five Americans admit they know more about a variety oftopics than their own finances. That’s about the same share that would choose to answer questions about subjects far less personal, such as current events, entertainment, or science and technology.

As for where they find that information and whom they trust, I was glad to learn that, when asked to rate the reliability of several sources of financial information, Americans rated financial advisors as the most reliable source.

Are you curious what your financial IQ might be? Find out by completing the survey at http://financialmattersquiz.com/.

About the researchOn behalf of Northwestern Mutual, independent research firm Mathew Greenwald & Associates, Inc. conducted an online survey of 1,664 Americans ages 25 to 65, between June 1 and June 8, 2010. Study participants were members of Synovate’s leading Global Opinion Panel. Survey data were weighted by gender, age, education, and household income to reflect the makeup of the U.S. population ages 25 to 65. Population statistics were based on data from the 2008 Current Population Survey.

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1871

In 1871 Chicago was primed and ready for a fire the size that was never seen before. The city was growing at a rate faster than ever before and few safety measures were used in the construction of new roads, building and bridges. Combined with the large amounts of combustible materials, dry and hot weather created a powder keg ready to explode at any moment. The factors that played into the fire were significant and nothing could have pre-vented the fire from occurring on that fateful day in 1871.

The way the buildings were constructed played a duel role. It helped save people’s lives while allowing the spread of the fire from building to building to be faster than people could run. Chicago was built as a grid city. Each block consisted of a standard measurement from one corner to the next and in straight lines leading out to the edges of the city. This method of building provided people with an easy and accessible way to exit the city once the fire had started. However, the materials that the buildings and roads were made out of led to the destruction of the city. All the buildings were built out of wood frames, and few had fire resistant walls or roofs. Chicago travel ways consisted of over fifty-five miles of wood planked roads and wooden bridges which spanned the river. Roofs were constructed out of a com-bination of tar and pine chips which was easily ignitable. The flames were easily caught by the breeze carrying the fire from one building to the next. The buildings and everything in them were highly flammable, making it difficult to stop the spread of a fire once it started.

The weather contributed to the city being a tinder box ready to explode. In 1871 Chica-go had received only about five inches of rain between July and September. This amount of rain is about half of the average precipitation this region receives on a seasonal basis. The city became exceptionally dry putting their buildings, made out of the flammable materials, in great danger. It was only a matter of time before Chicago had a large fire, like New York and Philadelphia before it.

Once the fire had started it spread quickly from building to building. Within the first twenty minutes the fire engulfed two square blocks. The conditions were right for the fire to spread quickly and destroy everything in its path. The dry wood and combustible materials in the homes provided the fuel for the fire and a north easterly wind provided easy move-ment for the fire. Combining the factors of a large city built with wood, the weather being hot and dry for an extended period of time, and a people that relied on open flames for daily needs it was only a matter of time before a massive fire would engulf the city.

Lance Gruenke has a Bachelor’s Degree from the University of Wisconsin-Oshkosh with a Double Major in Economics and History. Lance is enrolled in the Insurance & Risk Management Certificate, through which he has obtained a position as an Underwriting Technician IV at NSI – A Division of West Bend Mutual Insurance Company in Middleton. Lance is also the President of the Madison College Risk & Insurance Club.

(Top) Chicago in ruins after the The Great Chicago Fire of 1871.

(Below) Devastation on the corner of Dearborn and Monroe Streets

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THE CAUSE of the fire has centered on the idea of an oil lantern tipping over inside of a barn while a cow was being milked. This seems very unlikely and almost unfeasible. The time of day was not typical of cow milking because it is normally done in the morning. Another factor in the spread of the fire was the incorrect routing of an emergency call placed near the suspected origin. It is unfortunate that at this time the fast-est growing city in the world was being pushed to its limits in terms of govern-ment employees who were available to service the communities that surround-ed the main downtown of the city. —Adrian Holtzman

IN CHICAGO IN 1833, a company called Washington Volunteers was used to protect properties from fires. The first year fire ordinances were passed, the Fire Warden was responsible for mak-ing monthly inspection of all stovepipes. They had to be guarded by tin or iron six inches from the wood. If they didn’t pass the inspection, property owners would be fined $5.

When there was a fire, the warden could call on citizens to help put out the fire. In 1835, The Fire-Bucket Ordi-nance had required that every occupant and store owner have a certified leather water fire-bucket with the owners ini-tials painted on it. This bucket had to be hung within easy reach for anyone to get to. —Casey Ellarson

BY 1871 Chicago’s Fire Department was considered one of the most mod-ern. They had seventeen steam driven fire engines, four hook and ladder wag-ons and twenty-three horse carts. Fire alarm boxes were throughout the city. A watchman was posted on top of the court house to look for fires and ring the bell when he saw one.

That October Chicago had four fires on the first, five fires on the second and six fires on the third. On the sev-enth, a fire burned out of control until it consumed four blocks of the city.

The fire that destroyed the city started on October 8th at 137 Dek-oven St.; Patrick O’Leary’s barn. The fire spread from the West to the South and then to the North side. Fire fighters’ efforts were hampered by the fleeing population and looting. Once the water tower pumping station burned, they were out of water.

The fire destroyed eighteen thou-sand buildings and seventy roads. It left a hundred thousand homeless and more than two hundred million dollars in damages. —Ed Moe

HOT AIR ROSE from the flames and mixed with cool air above it, creating conversion whirls (also called fire devils). The conversion would pick up a burning piece of wood and send it flying. New fires started where the flaming objects landed.—Serge Bamana

ABOUT TWO HUNDRED FIRE insurance companies did business in Chicago at the time of the fire. Sadly, the fire left sixty eight of the insurance com-panies bankrupt. The fire exposed the inadequacy of insurance rates forcing new regulations, and a new way to set rates. The fire also exposed a desperate need to use new and improved fire retar-dant construction material.—Mike Swenson

ONCE THE FIRE had died out Chi-cago began rebuilding immediately. Some folks even say that bricks were still smoking from the fire and were being used to build new structures. Committees were being formed before the fire had even completely died out. A year later over fifty million dollars of new buildings had already been erected. Between 1872 and 1879 over ten thou-sand construction permits had been issued. Chicago had really used this fire to become an economic hub once again for the Northwest.

In 1874 another fire destroyed a dozen blocks and caused a scare for insurance executives. Ultimately this led to pressure from insurers to be more stringent on regulations, and more thor-ough with safety inspections. Improve-ments in fireproofing systems were an important prerequisite for the age of the skyscraper. Without these regulations who knows how Chicago would have ultimately recovered from these disas-trous events.—Joshua Banks

Great ChicaGo Fire

1871

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BY THE LATE 1800’S Chicago was one of the most fireproof cities in the United States. The use of steel instead of iron came into the focus of engineers which in turn allowed buildings to be taller and stronger. Steel was used in the construction of the Home Insurance Building, which is considered as the “world’s first skyscraper”.—Derek Schwenn

ON OCTOBER 8, 1871, there were actually two major fires; Chicago, and the forests and small town of Peshtigo in northern Wisconsin.

There were several similarities to the “Fire Storms”, as they were later called. There had been several small fires that had broken out leading up to the major fires on October 8th. In Peshtigo, lumbermen would burn the leaves and branches of the trees that had been cut and used the fire to keep warm at night. The fires would be left to burn after the men had left for another site to cut. In Chicago, the fires were small enough to be contained by the fire departments.

Another similarity was the build-ing materials used at that time. Wood was used for everything; homes, streets and sidewalks. In Peshtigo, the wood cut from the forest was readily available for building houses, barns and busi-nesses. Both Chicago and Peshtigo were built along rivers. The fires were so strong that both jumped the banks of the rivers and kept on going. Buckets,

hand pumped hoses, and a few steam powered pumpers were used to stop the Chicago fire. Being a small town, Peshtigo did not have the fire protection that they did in Chicago.

There had been a severe drought that year making everything vulnerable to fire. Extremely high winds played a major role in the devastation and loss for both. The strong fires produced their own extreme winds making them uncontrollable.

Although Chicago was considered the worst of both fires, Peshtigo had the biggest loss. More than 2,400 square miles had burned in Peshtigo and an area of 4 miles by 1 mile had burned in Chicago. 1,800 people were killed in Peshtigo which was five times more than the 300 deaths in Chicago.—LuAnn Kranz

Artefacts from the Chicago Museum of History— (above) a fire alarm box from 1871, and (left) a map indicat-ing the extent of the fire in Chicago (blackened area)

(top) Chicago after the Chicago Fire, 1871, attributed to George N. Barnard (1819 - 1902, American photographer)

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Chicago trip inspires and educAtes!I would like to say that I have never been in a

college class that took a field trip before, but the trip we went on in the Intro to Loss Investi-gations class this spring was awesome! I really liked that our entire class attended, that we were introduced at the National Association of Mutual

Insurance Companies conference, and we made time to go learn about the history of the Chicago Fire.I was lucky to be in a class with wonderful people who were genuinely interested in insurance and

risk management. The interesting dynamic that is created through the Tele-Presence room is unique and it makes it feel like you are part of some kind of TV show when you are in class. One of the main reasons everyone attended a four hour class starting at 8:30 am on a Friday was our instructor Martha. Martha has one of the best personalities I have ever encountered and everyone appreciates her help.

When we arrived at the conference, Martha made sure that we were announced to the entire room as the group of students from Madison College. This kind of introduction lets you know what kind of person Martha is and how much she cares about her students. The entire room of successful insurance industry professionals turned and greeted us, it was very powerful and we learned a lot about working in the insurance industry.

After the insurance seminar, we headed over to the Chicago History Museum and our guide explained the truth behind a topic we had been investigating all semester: The Chicago Fire. We were able to learn important details that really helped our class understand the importance of this event to the future of the insurance industry. We learned about critical issues that arose due to the nature of the loss and how that changed the city of Chicago which was the fastest growing city in the world at the time.

This was the BEST college field trip I have ever been on!

Adrian Holtzman is taking courses at Madison College with the intent on transferring to the University of Wisconsin Madison. He is also the Vice President of the Madison College Risk & Insurance Management Club, Vice President of Student Senate and was recently elected as the State Ambassador for the Wisconsin Technical College System. Having a construction background, Adrian took Intro to Loss Investigations and is working in an internship in claims at QBE.

T I p S V O I C E S

During our trip to Chicago we attended the NAMIC conference and were entertained by

Mike Smith from Accuweather and The Weather Channel. Ben Newman of the Ben Newman Com-panies followed. Both gentlemen were excellent speakers. Mike touched on storms and how they affect insurance companies and underwriters. Ben was a motivational speaker and spoke to us regarding being the best we can be.

Ben Newman talked about something that real-ly got me thinking, he said “If you write a goal down, you’re more likely to achieve it.” He then told us

about the study of a high school graduating class that participated in the study. Three percent of the graduates wrote down their goals all achieved them, while the other ninety-seven percent who didn’t write them down, didn’t meet their goals.

Joshua Banks is a student in the Criminal Justice Program with an anticipated graduation date of Fall 2014. Josh has 2 years of auto claims experience and took Intro to Loss Inves-tigations to gain more knowledge. His long term career goal is to work in a Special Investigations Unit for an insurance company. Josh just started an internship at QBE.

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On March 1, it was 5:50 that cold morning when we left the Truax campus parking lot

by the baseball field to go to Chicago. We were a group of 8 students with our instructor, Martha, who was driving a 12 passenger van heading to the NAMIC Conference and Chicago History Museum. We were talking about all kinds of topics (insurance, risk and sometimes nothing related to class) while our driver was getting through the traffic jams.

After many traffic delays, we finally reached our destination, the Renaissance Chicago Hotel, where the NAMIC (National Association of Mutual Insurance Companies) conference was being held. We were a few minutes late, but just in time to hear the first keynote speaker of the day. Meteorologist Mike Smith, author of “Warnings- the True Story of How Science Tamed the Weather” and Chief Innovation Executive of Accuweather Enterprise Solutions, talked about Weather Trends. Mike addressed the question regarding some record-breaking weather events and insured losses that resulted from them. As an expert, he shared his opinion on how these conditions should continue or possibly even get worse. Most importantly, he shared how the insurance industry faces these disasters and how they adjust and prepare for them in the future.

The second and last keynote speaker, Ben Newman, Author and Business Coach/President of the Ben Newman Companies talked about Leadership through Legacy. This is a simple con-cept centered on mapping your own personal suc-cess journey and using your experiences to cre-ate something lasting that others benefit from. He developed this process called the Prizefighter day to give individuals the opportunity to make every single day a triumph. It is a very simple process; choose three things to accomplish today: a per-sonal activity, a business-related activity and one that is about helping someone else. Creating your legacy will help you reach your own goals and empower others as well.

After the conference, we went to the Chicago History Museum. Learning about the history of Chicago in the 1870s and specifically about The Great Chicago Fire was one of the main focuses of our trip. It was an educational and enjoyable experience.

Serge Bamana is a Finance Major who graduates in May 2013 with an Insurance & Risk Management Concentration.

NAMIC CONFERENCEAnd CHICAGO HISTORY

Josh Banks, Ed Moe, Derek Schwenn,and Serge Bamana listen intently to a presentation at the NAMIC Conference in Chicago.

Casey Ellarson, Adrian Holtzman (L) and Derek Schween (R) listen to our personal guide, as she explains the speed of the fire, at the Chicago History Museum.

13

T I P S V O I C E S

rolling with rims

Now, how many of you have attended an off-campus school function where you had the opportunity to ride in a limousine to the event, and while you were there, had one of the best meals you have ever had? If that was not impressive in and of itself, how many of you had the added bonus of listening to dis-tinguished speakers presenting, and sharing with you, their priceless knowledge that will undoubtedly enhance your career, and make you a more educated valuable employee? This is exactly what happened to me while I was enrolled in Madison College’s Introduc-tion to Loss Investigations; a course in the Insurance & Risk Management Program.

The function that we were attending was a Risk & Insurance Management Society (RIMS), event that was held at Maggianos in Wauwatosa Wisconsin. RIMS was gracious enough to offer this wonderful and amazing opportunity to our class. When we arrived at Maggiano’s, we were greeted by several well-respected individuals from the insurance

in the insurance world, there is never a dull day?

community. These professionals made us feel instantly welcomed by telling us inspiring stories, and giving us words of encourage-ment. We then sat down to indulge in what I can honestly say was one of the best meals I have ever had. While we ate, we were edu-cated with a wonderful presentation entitled “Wisconsin Insurance Coverage Law,” by Jeffrey Davis, Natalie Maciolek, and Pat-rick Nolan—all of who represent Quarles & Brady, LLP.

The presentation of new laws that will affect how insurance is handled in Wisconsin was attention-grabbing to say the least. The speakers covered interesting cases that have gone before the Wisconsin courts and dis-cussed how the laws impacted the decisions as well as how the cases affected the laws.

When most people think of insurance, they think of car accidents, health problems, and so on. However, since I have embarked on my mission to become part of the insur-ance community, I have heard time and time again that, in the insurance world, there is never a dull day. After enrolling in Madison College, and attending this RIMS gathering, I am very happy that I have found myself part of such a dynamic industry. Thus far, I have found that insurance is an exciting, ever-changing industry, and I feel fortunate to be part of this dynamic field.

How many of you have attended an off-campus school function, or a field trip, relating to coursework?

Mike Swenson holds an Associate’s Degree from Madison College in the Automotive Technician Program and a Bachelor’s Degree in Criminal Justice from Concordia University. He took Intro to Loss Investigations this semester with a career goal of working in insurance claims.

14

êT h o m a s Pe k o l | I am a United States Navy Veteran.

I started my journey at the Dane County Veterans office. I was informed of

a pilot program being introduced in the insurance industry and was asked

if I would like to attend. I accepted the offer and met with many insurance

professionals after the presentation at Madison College. I decided to give it

a go and met with the Veterans Service Officer at Madison College. I used

my Wisconsin GI Bill and enrolled in Agency Management Tools, Detecting

Employee Fraud, Insurance Pre-Licensing Health, Life, Property, Casualty,

Managing Business Risks, and finally Technology Uses in Insurance.

The instructors were great as they all had previous business experi-

ence in the field they were teaching and gave many real-life scenarios

and situations that made the subject matter interesting and very informa-

tive. Based on the completion of my pre-licensing education I took and

passed the state exams and I am currently licensed in all four major lines

of insurance. The Office of Commissioner of Insurance was great and gave

encouragement and support to me so I could succeed. The knowledge and

state licenses I have earned have given me a doorway into a bright future

and I would like to thank everyone involved in supporting our Veterans.

V e t e r a n sr a p i d

d e p l o y m e n tp r o g r a m

M i c h e l l e S e y m o u r | has recently completed the Insurance

& Risk Management Certificate and holds a degree in Graphic Design from

Madison Area Technical College. Michelle also has a degree in Cosmetol-

ogy from the Scientific Cosmetology College. She is hoping to combine her

years of experience in business with her education in Insurance & Risk Man-

agement to obtain an entry level position at an insurance company. Michelle

had this to say about the Insurance & Risk Management Program “I found

the program to be very knowledgeable, and I learned a lot about the industry.

The instructors were very helpful and willing to share their knowledge, and

experiences. I plan on making my mark in the insurance industry for many

years to come.”

15

S i m r e t A b r a h a | I have been enrolled in Insurance and Risk Management program at Madison Area Technical College. My experience has been great. The knowledge gained has helped me enhance my career in insurance claims. It also helped me connect with other insurance professional in Madison. The entire program has been very helpful and applicable to my daily tasks at work. Most insurance companies offer a tuition reimburse-ment program for their employees. I do encourage every insurance professional to take advantage of this great program to enhance their insurance career. I like the fact that this program has courses that are offered in evenings which provides much needed flexibility for students who are busy during daytime.

Lance Gruenke | The Insurance & Risk Man-agement Program has been an immense help to me. The courses introduced me to the insurance world by making me familiar with the terms that are used every day in the industry, it then continued this education by

giving me the opportunity to attend conferences given by the Risk and Insurance Management Society, (RIMS) the National Association of Mutual Insurance Companies, (NAMIC), and the Public Risk and Insurance Management Association (PRIMA). These experiences gave me the opportunity to net-work with and learn from many individuals already within the field. Through the Insurance & Risk Management program, I was connected to a job opportunity at NSI; a division of West Bend Mutual Insurance.

At the beginning of my enrollment, my understanding of the insurance industry was minimal at best. The first course that I attended was, Introduction to Loss Investigation. The

class introduced me to the claims process and how complex it actually is. The course began to increase my knowledge and was instrumental in my becoming familiar and comfortable with the language used within the insurance industry. When I interviewed for the position of Underwriting Technician IV, with NSI, the classes I took allowed me to integrate my understand-ing of the insurance industry with my personal experience to obtain the position. The curriculum at Madison College gave me an insight into the world that I would be entering.

After obtaining the job at NSI, the courses for the Insur-ance Certificate at Madison College have still been extremely beneficial. The programs are taught with the intention of the student taking the Insurance Certification Examinations. This ensures that the classes we are required to take are beneficial and relevant within insurance industry today. I am now in pur-suit of my Associates in Risk Management Certification, and once achieved I will continue to pursue a Chartered Property Casualty Underwriter designation. As the opportunities at NSI keep allowing me to expand and grow, I will complement my working knowledge of the insurance industry by continuing my education at Madison College in the Insurance & Risk Management Program.

• Dairyland Chapter CPCU• M3• Public Risk & Insurance Management Association, Wisconsin Chapter (PRIMA)• Risk & Insurance Management Society, Wisconsin Chapter (RIMS)

ê thAnk You for

Your finAnciAl support!

2012–2013Industry Partners

ê

16

A m e r y M i t t e n z w e i |

When I began taking class-es at Madison College, I never thought I would end up in insurance. I have been around insurance my entire life, but I never thought that I would be pursuing a career in the insurance world. In my first year at Madison Col-

lege, I found out about a great opportunity at CUNA Mutual Group. They were seeking a student in the business program to join their Claims Professional Team in the Life & Disability Claims Department as an Intern. I applied for the position and, a couple of interviews later, was very pleased to join the team. As an intern in the claims professional role, I am responsible for contacting customers, credit unions, and physicians, in order to obtain the information necessary to properly adjudicate a claim.

The degree that I am currently pursuing at Madison Col-lege is in Supervisory Management, but I have also been

taking classes in Insurance and Risk Management. The knowledge I have gained through both of these programs has greatly helped me throughout my internship at CUNA Mutual Group. My enrollment in these two programs, combined with my previous work experience, was instrumental in me being offered this opportunity. I have been able to use my prior cus-tomer service experience, along with what I have learned in my studies, to be able to create an enjoyable customer service experience for the customers, credit union employees, physi-cians, and co-workers that I work with on a daily basis. I have been an intern at CUNA Mutual Group for over a year now, and one of the concepts I have learned is; the difference between a satisfied and unsatisfied customer, is good customer ser-vice. As each day progresses, I learn more and more about the exciting opportunities that the insurance industry has to offer.

Amery Mittenzwei is anticipating graduating in December 2013 with an Associate’s Degree in Supervisory/Management and will continue to pursue the Insurance & Risk Management Certificate.

Graduates and Scholarships

ê

$300 AwardsSerge BamanaJoshua BanksKaren CrawfordKip FingerVanessa FulfordJessika GerrardLance GruenkeAdrian HoltzmanMary JensenAmandeep KaurLuAnn KranzSeth MeiseEd MoeMichelle SeymourMike SwensonRob Volkmar

M3 Scholarships of $500Lance GruenkeKip FingerMichelle Seymour

Public Risk & Insurance Management Scholarship of $500Joshua Banks

ê congrAtulAtions!

2012–2013 Scholarship Winners!

Insurance Program Certificate GradsSimret AbrahaProperty & Casualty TrackTom PekolRapid Hire CertificateMichelle SeymourRisk Management Track

Derek SchwennSerge BamanaFinance Degrees with Insurance & Risk Management Concentration

ê congrAtulAtions!

2012–2013Graduates

Insurance is a complicated product that provides coverage for our most prized possessions. We insure: where we live, the vehicle we drive, and those we love. We work to ensure care for our health. As the internet has evolved, the insurance companies have transitioned to allowing consumers to research and shop for insurance online. While consumers have the ability to com-ment and criticize their insurance rates and coverage almost instantaneously online, there still lies the complexity of details within the policy they purchase. This is where customer service becomes essential to the base of the business in order to retain and truly provide assistance.

Listen– As a professional we need to do more than just hear, we need to listen to what is important to our customers. Is it a home, car, family member, a business?

Breaking it down– We need to use plain English and share the ele-ments of the policy to ensure mutual understand-ing. We also need to help consumers understand what will and will not be covered in the event of a claim. We need to ask leading questions to help the consumer share what they know about their insurance in order to understand what we need to communicate.

Looking towards the future– We need to help the consumer under-stand what their choices for insurance

mean and help them to assess their needs now to adequately plan.

Feeling connected – Customers want access to their ac-counts when it is convenient to them, but

they still want to be appreciated for their business and to feel connected to a purpose. We need to help them realize their intangible product is truly a risk management tool to help them in the event of a major financial loss. Once we have communicated this, we need to stay in touch with them.

BETTER customer SERVICEh o W t o p r o V i D e

customer service is essential to the base of the business

18

Following Up– Usually with insurance there is process for the consumer at the time of purchase and at the time of a claim. This can be an aggra-vating process to the customer. Especially, when everything else is so instantaneous today due to tools like the internet. We need to assure them of the status of their policy and/or their claim. This provides the con-sumer not just with an update, but peace of mind their needs are being handled.

If we fail to listen, provide understanding, plan adequately, or follow up the customer is going to find a company that will do all of these things. We know many consum-ers shop by price, until they have a claim. If we can provide good customer service: from the time of application, to the regular bill payments, and in the event of a claim we will maintain and retain good customer relations.

Mary Reines, MBA is a part time instructor in the Insurance & Risk Management Program. With previous industry experience at American Fam-ily Insurance and the Office of the Commissioner of Insurance. Mary now works at the University of Wisconsin-Extension in the Office of the Provost.

maintain and retain good customer relations

We’re in Position t o f i l l y o U r s

staffing@TILinsurancestaffing.com(608) 695-3491

www.TILinsurancestaffing.com

Positioned to make the find that fits.Direct-hire

TODAY’S producer

h o W t o p r o V i D e

As someone who sold insurance in the 80’s and early 90’s, I can honestly say that selling insurance today is different. The 21st Century brought the “Do Not Call Registry”, more electronic communication than we ever imagined, and the soft market. However, those of us who have been in insurance for some time know the hard market is just around the corner.

Are plans effective and being implemented? Some commercial clients already have risk man-agement plans in place. An April 2012 article in the Insurance Journal indicated 57 percent of respon-dents to a survey stated they have ERM programs. This means that 43 percent likely do not. Of the 57 percent who do, are those plans effective and are they being implemented?

From a Personal Lines standpoint, we are approaching the summer months where many risks increaseRecreational vehicle exposures, rain, flooding, burglaries, and personal liability (especially with the kids home from school). This is a great time of year to provide your Personal Lines Clients with valuable risk management tips that can reduce their chances of having a loss.

Teach your clients to be Risk Managers.As insurance professionals, we have the knowledge to help our clients help themselves. Remember the Chinese Prov-erb; “Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime”?

The increase in weather related losses alone, and the decrease in the return on the insurer’s investment dollars, will result in higher premiums.Producers, who aren’t doing so

already, are going to have to create their Unique Selling Proposition (USP). They will have to differ-entiate themselves from other agents. Many have already earned a reputation as experts in a particu-lar target market. However, all agents will have to be seen as risk consultants; bringing solutions to their clients and not just the lowest quote.

Insureds want to under-stand what the coverage is, why they need it, how much they should carry, and how they can save money. Teaching policyholders how to manage their risks is a win/win/

win for the insured, the insurer, and the producer. Of course, it improves the loss ratio and lowers premiums but it also empowers the policyholder (individual and business) to take ownership for losses, take steps to reduce their exposures to loss, and put plans in place to mitigate losses that do occur. Show prospects and insureds how to save money and protect their assets.

Did you know according to cyberbullyingfacts.org, there has been a 16.7% increase in the U.S. of cyber bullying? According to SADD, more than 72 percent of students have consumed alcohol before they graduate high school and 56.2 percent of underage drinkers report they drank in a home other than theirs. 20

F A L L 2 0 1 3 S C H E D U L E

CourseS DETECTING EMPLOYEE FRAUD On-LInE 9/4-10/25/2013INTRO TO BUSINESS INSURANCE CONTRACTS TRUAX AnD WEST 10/24-12/19/2013 5-8 PM

“ Intro to Loss Investigations provides you with the opportunity to have fun in school, which seems unrealistic to many students.”

Keegan Petsel

R i s k M a n a g e m e n t a n d I n s u r a n c e

C u r r i c u l u m

Courses CreditsDETECTING EMPLOYEE FRAUD 3

INTRO TO BUSINESS INSURANCE CONTRACTS 3

INTRO TO LOSS INVESTIGATION 3

INTRO TO EMPLOYEE BENEFITS 1

INTERNSHIP 2

MANAGING BUSINESS RISKS 3

TOTAL CREDITS 15

D O N O R SthAnk You to our Donors Who support the insurAnce & risk MAnAgeMent progrAM

AAA WisconsinCelerity Staffing SolutionsCommunity Foundation of the Fox Valley RegionCUNA Mutual GroupDelta Dental of WisconsinEMC Insurance CompaniesFrankenmuth InsuranceGermantown Mutual Insurance CompanyLiberty Mutual GroupM3 InsuranceSteven MurphySwett & CrawfordUNUM GroupWest Bend Mutual Insurance CompanyWilson Mutual Insurance CompanyWisconsin Chapter Risk & Insurance Management Society, Inc.Wisconsin Physicians ServicesWisconsin Public Risk Management Insurance Association

I N S U R A N C E A D V I S O R Y C O M M I T T E EA speciAl thAnks to those Who DonAte their tiMe AnD WisDoM to MAke this progrAM possiBle:

Chair: Heidi Nienow Regional Sales Director, Independent Agents, AAA WisconsinSecretary: Diane WilkinsonVP Client Services, M3 Insurance Solutions for BusinessKay Abel Agency Owner and Alumni, Abel Insurance Associates, Ltd.Roger BakerLearning Consultant, CUNA Mutual Insurance CompanyDean Boes Executive Director, Wisconsin Municipal Mutual Insurance Co.Dorothy BuechnerContinued Learning Administrator, American Family Insurance CompanyDiane DillettAgency Owner, The Dillett CompanyDan Edge VP Medical Affairs, WPS Health InsuranceRyan Jones Staffing SpecialistJoshua Kosnick District Director, Northwestern Mutual Financial NetworkAshley Natysin Office of the Commissioner of InsuranceRoss Squires Commercial Agent, Hausmann-Johnson InsuranceAllan Wearing Sales & Marketing Director, Group Health Cooperative of South Central WisconsinScott Wilde Lead Talent Acquisition Analyst, QBE North America

¾ Advertise in TIPsAll profits are returned to the Insurance & Risk Management Students Scholarship & Professional Development Fund. Full Page Advertisers can also au-thor an article highlighting one of their employees, a claim, or a topic related to the current issue.Our Next Issue: October—Managing Winter Risks, Successful Selling, Target Marketing Regular content included in each edition:• Moments in insurance history • Graduate profiles• Student profiles for those seeking internshipsor part time work • What students are learning/industry activities on and off campus • Highlights of current industry professionals • non-sales articles by “Gold” advertisers¾ Advisory CommitteeVolunteer your time to help direct our program.¾ Annual Executive SymposiumAttend or be a panel member. This is our biggest fundraiser each spring. Top Industry Professionals discuss current insurance and risk management topics and all profits from the program are returned to the Insurance & Risk Management Student Scholarship & Professional Development Fund.¾ Employ our GraduatesContact Martha Lester-Mittenzwei with job opening details.¾ Financial GiftsProvide a tax deductible donation to our Foundation specifically for Insurance & Risk Management Scholarships & Professional Development. Madison College derives most of its funding from tax revenues and student fees. There are many needs that cannot be met from these sources, including student scholarships and op-portunities to attend industry events. You may give online at www.madisoncollege.org/giving-madison-college or mail your gift to the Madison College Foundation, 1701 Wright St., Madison, WI 53704. Please indicate that you wish your gift to go to the Insurance & Risk Management Program.¾ Guest SpeakingVisit our classes and share your story, knowledge, and experience.¾ Host a Dine & DiscoverVisit our campus, provide a lunch for a limited number of students, and tell them about your company, your career and the Insurance & Risk Management industry. ¾ InternshipsOffer our students part-time employment opportunities during the school year or full time during the summer to enhance their learning with a real taste of the industry.¾ Promote the Industry to High School Students ¾ Tours Invite our students to your business, or industry event, to learn more about your organization and the industry.

If you are interested in supporting our efforts to attract new talent to our industry, please contact Martha Lester-Mittenzwei, Insurance & Risk Management Program Director. Mlester-mittenz@madisoncollege.edu or 608-243-5417.

How Can You HELP ATTRACT NEW TALENT TO THE INDUSTRY?

22

YOUR AD HERE

support stuDents AnD ADVertise in the octoBer issue of TIPS

contAct MADison college,

insurAnce AnD risk MAnAgeMent progrAM

Insurance career opportunities available… join the AAA family!

AAA is well positioned in a rapidly changing economy to offer our members a diverse line of high quality products and services including travel, insurance and emergency road assistance. We are a growing organization and as such we are recruiting for the following opportunities:

Sales & Service Agent (P&C)Promote insurance products in a goal focused sales environment. The ideal candidate will be sales savvy and know that to build their book of business they will need to analyze sales to identify areas of opportunity and growth.

Life SpecialistPartner with our P&C Agents to sell life products. The ideal candidate should have experience in life insurance or financial product sales.

Sr Underwriter (P&C)Review insurance documents to ensure rating accuracy and responds to customer/agent inquiries regarding underwriting actions and guidelines. Recommends and initiates continuation, cancellation, non-renewal or rejection of applications or policies.

Are you are self-starter who SHINES whether working independently or doing what is needed to make the team successful? Then you have that special something we are looking for and we invite you to apply today to join the AAA family: applyonline@aaawisconsin.com

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