1

Pres ident ’s Message

Special points of

interest:

New RMIC Phone

Extensions

New RMIC associates

Anniversaries.

RMIC Holiday hours

CSR’s & Technology

RMIC CL Success

In this issue:

President’s Message 1

Preparing for a

potential auto

accident

2

Before the kids head

to college

3

Relationships and

teamwork

Why Flood

Insurance?

Teen Drivers

4

9

10

ROCKFORD MUTUAL INSURANCE COMPANY

Putting Lives Back Together℠

September, 2012

www.rockfordmutual.com

THE COURIER

In July, my wife and I were in Europe with two other couples. We were taking the high speed train from Frankfort, Germany to Hannover. As we were arriving at the Hannover stop, one from our group told us and the other couple to exit the front door of the train car and he and his wife would exit the rear.

When the train came to a stop, we could see them exit, but our door did not open. The train only stays for a short time, and we could see the member that got off motion for us to go to the rear door to exit. He jumped on the train, leav-ing all their luggage (and his wife) outside the train, to help the four of us exit with our luggage.

To our horror, the doors closed and we began pulling away. Through the win-dow we could see Katie (and all their luggage) waving goodbye to us!

About four hours later, we arrived back at Hannover again and all worked out.

All the thought and planning that went into this trip, yet we couldn’t imagine this event!

This is much like our business. We plan and crunch numbers constantly, yet we are always subject to an event.

Earlier this summer, we received word from AM Best that our A- (excellent) sta-ble rating was reaffirmed. We are very proud of this rating and are thinking and planning on ways to further strengthen our rating.

In order to accomplish this, we must improve the quality of the business we write and grow our surplus. Many things have been put in place already includ-ing inspecting all new business and inspecting renewals as well as identifying classes of business to be re-underwritten.

During our planning process, we realize that we need to find ways to add more value for our agents. First we need to provide an across-the-board system that is user friendly for you. Therefore, we made the decision to explore and evalu-ate our entire IT platform. We have a team in place doing just that and we hope to have a recommendation by year end.

We have many plans in place to grow and strengthen Rockford Mutual Insurance Company, but our first priority has become to focus on being easier to do busi-ness with in all areas – claims, underwriting, quoting, billing and general admin-istration. We recognize this will take time, and we ask you for your patience dur-ing this process.

Sometimes, even with all the planning we do, the unexpected happens and this means that we have to always focus on getting better for you!

Joseph DeChatelets President/CEO Rockford Mutual Insurance Company

2

TIPS ON THINGS YOUR CUSTOMERS CAN DO NOW TO PREPARE

FOR A POTENTIAL AUTO ACCIDENT

Auto accidents or “crashes” as they are commonly called in our insurance industry today, can happen at any moment. The very act of driving, subjects you to risks.

According to the National Highway Traffic Safety Administra-tion, a traffic accident occurs at least every 12 minutes. This is a frightening statistic that unfortunately touches most of our lives at one point or another.

There are some things that can be done today to better pre-pare for a potential accident. Preparedness is one of the few risk mitigaters that a driver possesses.

First, adjust the seat, seatbelt, head rest and steering wheel to fit the body comfortably. The height of a driver’s position in the vehicle plays a role in how well they are able to oversee their environment and minimize blind spots.

Set the side and rear view mirrors to maximize how much of the area outside the drivers vehicle is in their line of sight. Make sure the rear view mirror is set for daylight or night time conditions as warranted. Cleaning mirror is an important safe-ty factor as is cleaning the vehicle windows for an unobstruct-ed view.

Have a first aid kit in in the car in the event of an emergency. This could help with cleaning or covering a cut sustained from an automobile accident. It can also help to assist others.

Place a copy of the vehicle registration, proof of insurance and a copy of a driver’s license in the glove box, as we all have, at one time or another, forgotten or lost our driver’s license.

Contact your insurance agent or company and ask for a few automobile accident report forms and be sure to keep a pen and pad of paper in the glove box.

Even with the cell phone technology and most phones having a built in camera, it is always good to keep a disposable cam-era and working battery in the automobile. Pictures are docu-mentation which can clarify truth of statements made in the investigation.

As we all know, winters can be brutally cold, a spare jacket and blanket in the car can save lives should your vehicle be-come stranded on the roadway.

Always have a water bottle filled in the vehicle. Our bodies need more water in times of stress. If you are traveling a long distance, having granola bars or other small food items in the trunk is a good idea.

A warning triangle and flares should be kept in the vehicle trunk at all times for use should your vehicle become disabled. This, along with the use of hazard lights, will help to alert ap-proaching motorists.

Keep bungee cords or rope and a red flag in the car. If a crash occurs, and the car is drivable, it is your responsibility to “mitigate” the damages. This means securing any loose parts to prevent further damage and making other drivers aware of any protruding areas of damage.

Make sure all vehicle tires and all components are maintained. Breakdown prevention not only makes a car safer and less stressed, but can also save large sums of money.

Accidents happen infrequently, but when they do, being pre-pared will save a great deal of stress and aggravation.

These few tips can help drivers tremendously in the event of an unfortunate accident. We all do our best to avoid an acci-dent but being prepared if one does occur is the next best so-lution.

Ken Chase

Auto Claims Manager

Rockford Mutual Insurance Company

3

Review Insurance Coverage

Before Kids Head To College

When checking off items for college, the Missouri Department of Insurance wants to remind students and parents not to for-get insurance coverage.

"College students will be heading to school soon, some for the first time," said John M. Huff, director of the Missouri Depart-ment of Insurance. "That brings a lot of work and preparation, and we want to remind parents and students that insurance shouldn't get lost in the shuffle."

Huff says insurance needs and coverage may change when a student moves away to college. He offers these tips for fami-lies to make sure their students are properly covered when they're off at school:

Auto insurance: If your child is taking a car to college,

check with your insurance agent about your coverage. The price and coverage of your policy may change based on the city and state where your child will live. In addition, ask whether your insurance company offers a good-student discount for maintaining a certain grade-point av-erage.

Homeowners and renters insurance: Ask your agent if

your child's possessions will be covered under your home-owners policy. Some homeowners policies cover a stu-dent's possessions if they live in on-campus housing. If your student will be renting, consider purchasing renters insurance, which averages $8 to $21 per month, depend-ing on the amount of coverage. Some renters wrongly be-lieve their landlord's insurance will cover their possessions in case of fire, storm damage or theft. Most landlords' poli-cies only cover the building, not tenants' possessions. Renters insurance also covers tenants from liability for damage to the landlord's property, such as a kitchen fire.

Health insurance: Most young adults can stay on their

parents' health insurance up to age 26, regardless of mari-tal status, financial dependency, enrollment in school or residence. Students should take copies of their insurance cards and check their parents' health insurance plans to know which physicians and hospitals are in their network while away at school.

The department also encourages college students, as well as all consumers, to complete a home inventory, which is an itemized checklist of all possessions. A home inventory can make the process of filing a claim much more efficient in the event of fire, storm damage or theft.

An easy-to-use home inventory checklist is available for free at

the department's website, along with free smartphone apps for

iPhone and Android.

ROCKFORD INSURANCE

AGENCY, INC.

“SPORTMAN’S CLUBS &

HUNTING PRESERVES”

We can help you cover these risks;

-Hunting Clubs

-Clay Target Clubs

-Rod & Gun Clubs

-Fishing Clubs

-Sportsman’s Clubs

-Archery Ranges

-Hunting Preserves

(land owner renting land to others to hunt on)

We can provide General Liability, Inland Marine,

Property & Umbrella coverage.

Give us a call or email us for an application.

Susan Leoni sleoni@rockfordmutual.com

Nicole Hamilton nhamilton@rockfordmutual.com

4

AUTUMN IS TIME FOR FUN!

HAUNTED HOUSES

CORN MAZES

PUMPKIN PATCHES

HAYRIDES

HALLOWEEN PARTIES

FALL FESTIVALS

CRAFT SHOWS

We have “A” rated carriers with competi-tive premium and quick turn around time on quotes.

Email us for a short application.

Susan Leoni sleoni@rockfordmutual.com

Nicole Hamilton nhamilton@rockfordmutual.com

Or give us a call at 800-747-2957

Effective immediately, RMIC has new phone exten-

sions. Please listen carefully for the prompt when

calling our main number. For an updated list of ex-

tensions, please all ext. 3158 or e-mail your re-

quest to:

ddavis@rockfordmutual.com

Since the last Courier, we have rolled out commis-

sion download, Rapid Claim, and worked to im-

prove the Loss Reporting systems that we offer at

Rockford Mutual. We know the importance of get-

ting a loss reported and set up quickly so we can

assign the right adjuster who can quickly help your

insured “Put Their Life Back Together. “

We have recently completed changes to the home-

owner rating program, developing a better quick

quote so you can include inland marine, boats, and

RV’s while answering fewer underwriting questions,

resulting in timelier quotes for your insured. We

have also added a great new menu within the

Homeowner processing program for ease in navi-

gating and to expedite your experience.

With more to come, the IT department continues to

develop enhancements to our web site and to the

services you get from Rockford Mutual every day.

We believe that this Relentless Pursuit of Excel-

lence is important to you and your insured, in the

process of providing service to your insured that is

second to none.

Contributed by

Jim Sadler

Senior Business Analyst

ROCKFORD INSURANCE

AGENCY, INC.

New Phone Extensions

Relationships and

Teamwork

5

Our goal is to provide superior service to our agents and policy holders. Following is a list of the Rockford Mutual Associ-ates who are your best resources for policy changes, billing questions, technical (website), and

claims questons.

RMIC PHONE # 800-747-2957

BILLING QUESTIONS AND PAYMENTS

BILLING AND PAYMENT QUESTIONS

Sue Lavine Ext 3213 slavine@rockfordmutual.com

Kris Hague Ext 3188 khague@rockfordmutual.com

Sue Hines Ext 3212 shines@rockfordmutual.com

Clover Smith Ext 3163 csmith@rockfordmutual.com

Accounting Fax 815-398-0760

SYSTEM ENTRY QUESTIONS

ENTRY OF A POLICY CHANGE

NEW BUSINESS APPLICA-TION

STATUS OF A CHANGE

Linda Jacobsen Ext 3191 ljacobsen@rockfordmutual.com

Christine Rittschof Ext 3156 crittschof@rockfordmutual.com

Dannette Moorman Ext 3166 dmoorman@rockfordmutual.com

POLICY CHANGES

FAX Changes 815-489-3274

E-Mail Changes changes@rockfordmutual.com

AUTOMATION TECHNICAL QUESTIONS

SYSTEM PROBLEMS AND QUESTIONS System Error Messages System Unavailable Programs Not Opening

Jim Sadler Ext. 3162 jsadler@rockfordmutual.com

PL Analyst

Stefanie Vantreese Ext. 3181 svantreese@rockfordmutual.com

CL Analyst

CLAIMS INQUIRIES Claims Phone: 800-747-7642

Fax: 815-229-6513

CUSTOMER SER-

VICE TEAM

Diane Griffey Ext 3171

Lisa Adams Ext 3194

Barb Ridley Ext 3152

Linda Kentner Ext 3192

Deb Bridges Ext 3190

DEPARTMENT Ken Chase Ext 3185 kchase@rockfordmutual.com

Auto Claims Manager

Patrick Kennedy Ext 3206 pkennedy@rockfordmutual.com

Casualty Claims Manager

& Internal Counsel

Jerry Long Ext 3176 glong@rockfordmutual.com

Property Claims Manager

WE HAVE NEW

EXTENSIONS

6

An estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire departments each year and cause an estimated $35 million in property losses, according to a new government report.

The report by the U.S. Fire Administration (USFA) said that 84 percent of clothes dryer fires took place in resi-dential buildings.

Also, according to the report:

Clothes dryer fire incidence in residential buildings

was higher in the fall and winter months, peaking in January at 11 percent.

Failure to clean (34 percent) was the leading factor

contributing to the ignition of clothes dryer fires in residential buildings.

Dust, fiber and lint (28 percent) and clothing not on a

person (27 percent) were, by far, the leading items first ignited in clothes dryer fires in residential build-ings.

Fifty-four percent of clothes dryer fires in residential

buildings were confined to the object of origin

The report, “Clothes Dryer Fires in Residential Buildings,” examines characteristics of clothes dryer fires in residen-tial buildings and was developed by USFA’s National Fire Data Center, based on 2008 to 2010 data from the Na-tional Fire Incident Reporting System (NFIRS).

Damaging fires can occur if clothes dryers are not properly installed or maintained.

The report notes that lint, a highly combustible material, can accumulate both in the dryer and in the dryer vent. Accumulated lint leads to reduced airflow and poses a fire hazard. Reduced airflow can also occur when foam-backed rugs or athletic shoes are placed in dryers.

Small birds or other animals nesting in dryer exhaust

vents is another hazard. A compromised vent will not ex-

haust properly, possibly resulting in overheating and/or

fire.

Effective August 1, 2012 for New and September 1, 2012 for Renewals

We have reviewed our current business and will be im-

plementing a rate increase for new and renewal busi-

ness. This rate change will vary by customer.

The following items were updated:

1. Revised Base Rates

Homeowners Manua l

We will not be distributing hard copies of our up-

dated manual with this notice.

Please visit our website at www.rockfordmutual.com for

an updated copy of our manual or you can acquire a

hard copy by contacting our Supply Department at

extension 331.

Clothes Dryer Fires

Cost $35 Million a Year

Revisions to Indiana

Homeowners

RMIC Holiday Hours

Office Closed

Monday—September 3, 2012

Thursday—November 22, 2012

Friday—November 23, 2013

7

HAPPY ANNIVERSARY!

Barbara Ridley, Senior Claims Analyst, began her employ-

ment with RMIC on 6/28/1982 and just celebrated her 30th year with

the company.

Barb is the proud Mom to Michael and Amanda, and even more

proud grandmother to Griffin, Ashley, Treasure, Matthew.

When Barb is not hard at work in the Claims Department, she likes

watching movies, reading, and riding the countries highest roller

coasters.

Cathy Burhenn, Senior Personal Lines Underwriter, was

hired by RMIC on 7/6/1992 and just celebrated her 20th anniver-

sary. Prior to her employment at RMIC, Cathy worked for USF & G

Insurance Company and attended secretarial school.

Away from the office, Cathy likes to read, travel and spend time with

her family.

Vernon (Brad) Smith, Supply Coordinator, recently cele-

brated his 25th anniversary with RMIC. Brad came to Rockford Mu-

tual following a stint in the U. S. Marine Corp and security work at a

local corporation.

Brad is husband to Angela, father of two sons, Sean and Jayson,

and the proud grandfather to Matthew Michael Smith, 11 months.

In his spare time, Brad enjoys baseball trivia, baseball, football,

bowling, and martial arts.

Linda Jacobsen, Coordinator—Underwriting Services

was hired at RMIC on 6/1/82 and recently celebrated her 30th

anniversary. Linda came to Rockford Mutual from an inde-

pendent agency where she was a licensed producer.

Linda is married to Arne, they have one daughter, Andrea, 24,

and one stepson, Kaare, 40., and one grandson, Xander, 6.

Away from RMIC, Linda likes reading, Zumba dance lessons,

and swing dance lessons. She also enjoys spending time

with family and friends. Linda looks forward to going away for

the weekend twice a year with high school friends, March,

however, is her favorite time of the year, because she goes to

Arizona to spend time with her Mom.

Fred Schneiderman celebrated his 30 year anniversary

with RMIC on 5/25/12. Fred is Director of Personal Lines/

Underwriting Services. Before coming to RMIC, Fred was with

Economy Fire & Casualty and Country Companies as an

agent. Fred and his wife, Peggy, have three sons, Christo-

pher (Jessica), Jonathan (Laurie), and Michael and five grand-

children, Corrine, 7, Mitchell, 4, Lucas, 15 months, and twins,

Sullivan & Lucy, 9 months.

In his spare time, Fred enjoys spending time with family, fol-

lowing high school sports, the Chicago White sox, and the

Green Bay Packers. Fred is also treasurer for the Village of

Forreston and treasurer for New Life Community Center, a

local food pantry and thrift store where he also volunteers.

8

WELCOME,

ASSOCIATES

Deborah James, CISR, joined RMIC on 8/20/2012 as Com-

mercial Underwriter I with 28 years insurance experience.

Deb and her husband, Bob, who works at Northwest Bank in

Rockford, have one daughter, Kira, and one grandson, Kaleb,

2 1/2 years.

In her free time, Deb enjoys cooking, shopping, travel, and

spending time with her family, many of whom are in California.

We are pleased to announce the addition of Traceine Wilson

to our Marketing Team. Traceine assumes marketing respon-

sibilities for portion of northeastern Illinois and Indiana.

Traceine is married (husband, Thomas) and has 1 son, Thom-

as, Jr. age 6 and 2 daughters, Yasmeen and Melia, ages 12

and 11 respectively. The family resides in Plainfield, IL.

Traceine attended School Craft College, Livonia, MI and

Wayne State University, Detroit.

Traceine comes to RMIC from an extensive insurance and le-

gal background.

Several cannibals were recently hired by a in-

surance agency. "You are all part of our team

now," said the HR rep during the welcoming

briefing. "You get all the usual benefits and you

can go to the cafeteria for something to eat, but

please don´t eat any of the other employees."

The cannibals promised.

Four weeks later their boss remarked, "You´re

all working very hard, and I´m satisfied with

you. However, one of our CSR´s has disap-

peared. Do any of you know what happened to

her?"

The cannibals all shook their heads no. After

the boss had left, the leader of the cannibals

said to the others, "Which one of you idiots ate

the CSR?"

A hand rose hesitantly, to which the leader of

the cannibals continued, "You fool! For four

weeks we´ve been eating Producers and no one

noticed anything, but noooooo, you had to go

and eat the Customer Service Representative!"

A LITTLE

INSURANCE HUMOR

9

Can You Afford to be Without Flood Insurance?

The idea of a flood affecting you seems so remote

until it happens to you. Unfortunately for Barbara

Ridley, an RMIC associate, it happened twice in one

year. When Barb bought her house, just before

closing on the house, her mortgage company in-

formed her that she would need to have a flood in-

surance policy before closing on the house. Barb

was shocked. She told the mortgage company that

she was quite a distance from the Rock River so

why would she need flood insurance. They respond-

ed that her house was near the Keith Creek and her

property was in a low lying area. Barb found out the

hard way what the mortgage company meant. On

September 4th (Labor Day) 2006, the first flood

came. When it was all done, Barb had over five feet

of water in her basement and a cracked foundation,

not to mention damage to all of her personal proper-

ty that was in the basement. The Flood insurance

helped pay for damages to her house and with the

help of family and friends, Barb was able to remain

in her house while the clean-up of the house was

performed.

Just as things seemed to be back to normal, the oth-

er flood came on August 8th 2007. This was less

than one year later. This time the flood waters rose

to the ceiling of the basement after the pressure of

the flood waters collapsed the foundation of Barb’s

house. In all, 117 homes in the area were affected

by these floods. Barb was devastated, scared, and

overwhelmed. It was bad enough that this hap-

pened the first time but the second time was more

than she could take. This was her home and now

she was unable to live in it.

Fortunately, Barb has recovered and has since been

able to move forward from these devastating experi-

ences. The question still remains. Do you or some-

one you know live in an area that may be suscepti-

ble to potential flood waters? Without a flood insur-

ance policy, there would be no coverage for the

damages caused by a flood. Rockford Mutual is

pleased to let you know that we now offer flood in-

surance for the peace of mind that you would be

covered in the event of a flood.

View of Barb’s basement—note the water line at the window level.

View of the remaining foundation

10

1. TEEN DRIVER FACTS

According to the American Academy of Pediatrics, one-third of

deaths of people ages 16 to 20 are due to motor-vehicle accidents.

That’s more than 5,000 teens a year. Faced with those

statistics, it’s important to view teen driving as a privilege, not a

right.

2. LAY THE GROUND RULES

Insuring a teen driver will result in additional costs for you, no

matter which insurance policy you choose. However, how well

your teen respects the privilege of driving is a factor you can

control. Lay some ground rules for safe driving before your teen

ever gets in the driver’s seat. Set up driving rules, including:

• Hours during which the teen can and cannot drive

• Number of friends allowed in the car at one time

• Number of miles teen is allowed to drive per day or week

You may also want to consider setting up a driving contract with

your teen. The contract should clearly list the teen’s duties and

responsibilities when driving and caring for the vehicle and should

be signed by both of you.

3. PURCHASE A VEHICLE OR ADD A DRIVER?

You may not want to purchase a car specifically for your teenager,

but adding another driver to your policy can be costly. For

example, if you drive a newer, expensive sports car, adding a

teen driver may considerably raise your premiums. However, a

modestly priced economy car with liability coverage may be more

appropriate for your teen. Make sure you discuss options with

your insurance agent.

4. GIVE COMPLETE, CORRECT INFORMATION

When you call for a quote or fill out an application, give complete

and correct information, such as make, model and year of

the car the teen will be driving. Since your premium quote will

be based on this information, it is very important that your information

be as accurate and complete as possible.

5. SHOP AROUND

It pays to shop around before buying insurance. Different companies

can offer noticeably different premiums. For example,

if your child is an honor roll student, passed a driver’s education

course or has a job, some companies may offer a reduced

premium. Some discounts include:

• Two or more cars on a policy

• Participation in driver education courses

• Good student driver under age 25

• Airbags or other safety equipment

• Anti-theft devices

• Auto/home insurance on same policy or with same company

6. CONSIDER REVISING COVERAGE, DEDUCTIBLES

You may reduce your auto insurance costs by raising the

deductibles on physical damage (collision and comprehensive)

coverages. Be sure to review your current deductibles

to determine whether you can afford to absorb a larger portion

of your loss in the event of an accident. Also, consider

lowering or eliminating physical damage coverages on older

vehicles — unless a lienholder, such as a bank, requires it.

7. REGULARLY REVIEW YOUR POLICY;

UPDATE ACCORDINGLY

Regularly review your policy to make sure the basis for your

premium is as accurate as possible. Here are some things

that can affect your premium:

• Adding or removing a vehicle from your policy

• Teen graduates from high school or reaches the age 18

8. GET MORE INFORMATION

For more information, contact your state insurance department.

You can link to your insurance department’s Web site

by visiting www.naic.org. Click on “State Insurance Web Sites,” then

click on your state.

Teen Drivers Insuring a teen driver is often an additional cost for many parents. Many companies consider drivers under the age

of 25 a higher risk, and this often translates into higher premiums. Here are some tips from the National Association

of Insurance Commissioners (NAIC) to help you get the best value for your auto insurance dollar.

11

Congratulations to the

Schneidewind Insurance Agency

on issuing the very first

RMIC Flood Policy!!!!!!!!

The Schneidewind Agency in Marissa, Illinois is part

of the Mueller-Schneidewind-Koeneman Agency in

O’Fallon, Illinois and together they have been a val-

uable partner with Rockford Mutual since 1988.

Rockford Mutual’s first Flood insurance policy was

issued on August 6th, 2012. Since then we have

had several other policies issued. Rockford Mutual

wants your flood business! For details, please con-

tact your Marketing Representative.

SCHNEIDEWIND AGENCY

Rockford Mutual Associate

Walking Program Update

Each year, Rockford Mutual sponsors a program

which encourages its associates to walk as much

as possible during the summer months. This year

the program began on Memorial Day and will end

on Labor Day. To date, 6277 miles have been

logged. This is the equivalent of walking from

Rockford, IL to Maine, south to Florida, and then

west to Carefree, AZ. Good luck walkers, we

hope you reach your goals!

Why Technology Has Made Training

More Important Than Ever...

Customer service employee training is more important

than ever—and technology is to blame.

More and more customers use electronic channels—

email, chat, web-based FAQ’s, etc.—to find answers to

their questions and solutions to their problem these

days.

So customer service pros get the more complex and

involved issues to handle personally. And those are

what make or break customer satisfaction and loyalty,

J. D. Power & Associates researcher Mark Miller found.

Customers won’t likely leave over a problem with a

chat, email or phone menus, but they will leave if they

have a poor experience with a person at the company,

Miller found.

3 perfect times to learn

So customer service leaders need to schedule every bit

of training they can. Customer care expert and author

Barbara Burke suggests regularly using these three op-

portunities to train anyone who deals directly with cus-

tomers.

In the moment. These quick sessions are valuable

when a leader sees a frontline customer service pro

do something either very well or incorrectly. For

good work, leaders want to praise them for it on the

spot, letting others hear what went so well and rein-

forcing the good habit. For less-than-ideal work,

leaders want to take reps to a quiet place, explain

what was done incorrectly and how to improve it,

and have the rep try the better method immediately.

Escalated calls. When customers demand “a su-

pervisor,” leaders will want to keep front liners on

the line so they can hear firsthand how to handle the

situation.

Monthly one-to-one. In addition to using these

meetings to check the pulse of the reps’ workload

balance, managers will want to touch on one im-

portant training topic.

12

ROCKFORD MUTUAL INSURANCE COMPANY

JULY COMMERCIAL SUCCESS STORIES

ROPAC

CLASS # OF POLICIES TOTAL PREMIUM

Hamburger/Malt Shops 1 $1,335.00

Hotdog Shops 1 $948.00

Ethnic Style Restaurant 2 $2,926.00

Pizza Shops 1 $4,275.00

Take Out Restaurant 1 $1,020.00

Grocery Store 2 $4,409.00

Churches 1 $423.00

Insurance Agencies 1 $423.00

Variety Store 2 $903.00

Health Food Store 1 $400.00

Clothing Store 2 $3,766.00

Vacuum Cleaner-Sales & Service 1 $423.00

Cell Phone Store 1 $435.00

Gift Store 1 $423.00

Building or Premises-LRO Office 2 $3,917.00

Office 8 $5,293.00

Building or Premises-LRO Mercantile 8 $34,496.00

Barber Shop 1 $400.00

Engraving 1 $400.00

Photographers 2 $1,045.00

Printing 1 $578.00

Beauty Shop and Nail Salons 5 $2,176.00

Art Galleries 1 $877.00

CONPAC

CLASS # OF POLICIES TOTAL PREMIUM

Carpentry-Construction of Residential Property 2 $2,059.00

Carpentry-Interior 5 $4,264.00

Carpentry-NOC 32 $25,448.00

Concrete Construction 3 $3,394.00

Driveway/Parking (No Road Construction) 2 $1,056.00

Drywall or Wallboard Installation 4 $1,704.00

Electrical Work Within Buildings 4 $3,175.00

Floor Covering Installation 5 $2,803.00

Heating/Air Dealers-Installation & Repair 2 $2,546.00

Janitorial Service 1 $400.00

Landscape Gardening-No Tree Removal 4 $3,799.00

Masonry 7 $4,536.00

Exterior Painting (No Spray Painting) 7 $3,518.00

Interior Painting (No Spray Painting) 8 $3,770.00

Plastering or Stucco Work 1 $548.00

Plumbing-Residential or Domestic 4 $5,199.00

Siding Installation 2 $1,808.00

Tile/Stone Work-Interior Construction 2 $802.00

Our ROPAC and CONPAC programs continue to be a strong source of commercial production.

It's always helpful to know the classes of business that we have been successful at writing.

Please contact your commercial underwriter or marketing rep if you need help quoting or binding

coverage on a ROPAC or CONPAC account.