HIGH-TECH MEETS HIGH-TOUCH IN CLAIMS AT ACUITY
Transcription
HIGH-TECH MEETS HIGH-TOUCH IN CLAIMS AT ACUITY
AGENCY FOCUS page 4 • EMPLOYEE FOCUS page 6 • “Focus Four” Hazards page 14 TIMELY NEWS AND INFORMATION FROM ACUIT Y MAY 2014 always ready HIGH-TECH MEETS HIGH-TOUCH IN CLAIMS AT ACUITY page 2 w w w.acuity.com ACUITY Ready in clAIMS No Matter wHAT NATURE has in store The warmer months of spring and summer typically bring an increase in damaging storms. However, Mother Nature has a way of showing that severe weather can strike at any time of the year. On November 17, 2013, a tornado outbreak in Washington, Illinois, ended up being the most violent episode on record during the month of November in the state. No matter when or where storms hit, ACUITY is ready. We have earned a reputation for our fast action in claims, and our response in Illinois proved to be no exception. “We had obtained updated satellite imagery within hours after the tornado, analyzed where the path of damage was, and combined that with geocoded data on property we insured. Based on that analysis, we sent claims adjusters to the area even though we couldn’t make contact with insureds or agents because there was no cell coverage,” says Marty Jaeger, Manager - Property Claims. High-Tech Meets High-Touch Our claims service combines leading-edge technology with experienced and dedicated people and puts a premium at getting “boots on the ground” in affected areas. “Our adjusters were in and out of Illinois before other companies even made it to the area with their fleets of RVs to set up their ‘tent villages,’” says Jamie Loiacono, Vice President Claims. “When disaster strikes, policyholders and agents don’t need a company with a fleet of rolling advertisements—they need people to shake their hand and help them start rebuilding.” ACUITY’s technology investment focuses on tools that adjusters can use to do their jobs more efficiently and effectively, giving them time to visit more claim sites and meet more policyholders who have suffered a loss. As just one example, our claims adjusters have been using satellite imagery for some time to help measure and create estimates on damaged roofs. Recently, we enhanced the integration between satellite data providers and our estimating systems to provide an even faster workflow. “All the data is pulled into the system automatically so that adjusters don’t have to spend time measuring and writing estimates in the field,” Jaeger says. Ongoing Transformation ACUITY has also made an unprecedented level of investment in mobility technology to help our adjusters be well connected and highly effective in the field. Our blueprint for the future of claims includes continued investments in the areas of expert processing, data analytics, mobile estimating and data capture, and more (see “Blueprint,” page 3). But regardless of how technological evolution transforms the claims process, the fundamental reason ACUITY maintains a 95 percent satisfaction rating from claimants and 99 percent from agents will stay the same. “Our focus in claims has always been same-day, meaningful contact—making calls, getting adjusters to damaged areas, and helping rebuild shattered lives,” Loiacono says. “That hasn’t changed regardless of the number of policies we write, how many states we do business in, or the amount of claim volume that we handle—and it never will.” • nfocus ACUITY BLUEPRINT LOOKS TO THE FUTURE OF CLAIMS Envision a claim scenario: After a severe storm, a claims expert system identifies properties in damaged areas and automatically dispatches an adjuster to the scene. On site, the adjuster pulls a small drone from the trunk of her car and dispatches it to obtain HD video recordings of areas of the building that can’t be safely accessed. Meanwhile, she walks the property perimeter, recording video via Google Glass. Video streams from both devices are transmitted live to a headquarters property specialist who can provide additional direction. That scenario is closer than ever to reality. “ACUITY’s Claims Blueprint includes a number of technologies that are either available today or likely to be available in the next few years,” says Melissa Winter, General Manager - Staff Claims. The ACUITY blueprint integrates four areas of claims to enhance our best-in-class claims service. Expert Processing and Management ACUITY already uses detailed data analysis and a robust rules engine to achieve straight-through processing of low-severity losses in workers’ compensation. The next stage of expert processing will expand this capability to other lines, automating simpler claims processes to let adjusters focus on high-skill tasks. “Expert processing combines the increased efficiency of automation with the personal service of skilled adjusters,” Winter says. Mobile Technology and Data Capture ACUITY is investigating and testing a number of different technologies to enhance adjusters’ ability to assess damage either remotely or in the field. At the same time, we are exploring ways to provide policyholders additional capabilities to report and document claim detail. “Technologies like Google Glass and drones aren’t just about the ‘cool’ factor,” Winter says. “These innovations have the real potential to improve adjuster safety, shorten claim cycle time, and enhance overall claim results.” Claim Life Cycle Sophistication The “Amazon Experience” is shaping customers’ expectations for customized service from all the companies they do business with, including their insurance company. ACUITY is building enhanced first notice of loss handling capabilities through “smart” call technology that will help claims personnel deliver faster, yet more personalized, service. “Technology can tell us a lot when customers call in—who they are, what policies they have with us, what their claims experience has been, and more,” Winter says. “Our goal is to customize the experience for policyholders from the minute we answer the phone.” • Fraud Detection and Predictive Analytics “Big Data” is a hot topic in the insurance industry, and for good reason. New data sources and powerful analytic tools already allow ACUITY to “connect the dots” within and among claims for fraud detection. We will increase our analytic sophistication going forward, while also using predictive analytics to provide early intervention and escalation on claims and effectively allocate resources across the claims department. may 2 0 1 4 PAG E 3 D Y N A M I C T E A M AT J A C K S O N D I E K E N WORKS HARD, PLAYS HARD From his 11 seasons playing offensive guard for the Cleveland Browns, Robert Jackson learned a valuable lesson that he has applied to his post-NFL career. “My philosophy is that you have to work hard and play hard,” Jackson says. “You have to give 100 percent effort to everything that you do.” Tackling Business Challenges After retiring from the NFL in 1986, Jackson joined a small agency in Cleveland. In 1990, he founded his own agency in Westlake, Ohio, with his wife, Linda, as business manger. Doug Dieken, who played 14 seasons as offensive tackle for the Browns, joined the agency as a partner in 1992. Jackson Dieken and Associates insures the Browns franchise today, and the partners’ NFL contacts have helped open the door to business opportunity in the sports and entertainment sectors. Jackson Dieken and Associates also writes a large book of municipal business and is known for its niches in the trucking and habitational sectors. The agency is always searching for new opportunity. “We’re constantly communicating with our customers not only to get to know them, but to learn as much as we can about new risks and exposures that we can address through new products or new markets,” Jackson says. Cyber liability insurance has been an area of focus for Jackson Dieken. The agency is also expanding its social media presence as both a marketing resource and recruiting tool. Team Approach From their playing days, both nfocus Jackson and Dieken learned the importance of teamwork to OF THE success and have brought that philosophy to the business. “We throw egos and self-promotion out the window here. We all share in our wins and losses,” Jackson says. “Our employees are very knowledgeable, dedicated to our business, and involved in the community,” he adds. “We have a phenomenal group of people here and virtually no turnover.” Jackson Dieken and Associates has built a reputation on trust that extends to customers and carriers. “We are going to be open and honest in every situation,” Jackson says. “We pursue what’s in the best interest of our clients, but we also don’t constantly remarket accounts—we try to develop longterm relationships between our agency, our customers, and our carriers.” AGENCY MONTH Building a Legacy Agency acquisitions have always been a part of Jackson Dieken and Associates’ growth strategy. In addition, the agency has recently hired a number of young producers to target new sales growth and plan for perpetuation. “We’re putting a team in place with the intention of transitioning the business to them over time. We have no desire to sell the business to an outsider. We’ve developed a great staff here with people who are very loyal, and we owe them loyalty as well by seeing the agency continue,” Jackson says. “The young agents we have hired have really reenergized the whole agency,” he adds. “There is a lot of enthusiasm here, and we’re having fun. We’re working hard and playing hard.” • Robert Jackson, left, and Doug Dieken nfocus mARKET FOCUS Each month, Market Focus reports on what’s happening in ACUIT Y’s key sectors: mercantile, manufacturing, construction, and trucking. Mercantile The insurance company is coming to look at your restaurant. One of the biggest exposures is the fire hazard associated with a commercial kitchen. What will the inspector be looking for? • Automatic extinguishing system meets these requirements: • UL 300 compliant. • Contains a remote manual pull station that is readily accessible. • Nozzles for every cooking appliance. • Inspected and charged semi-annually by a certified contractor. • Cooking equipment exhausted via a stainless hood equipped with baffle filters. • Filters cleaned a minimum of 2-3 times per week by employees. • Exhaust hood and ducts commercially cleaned on a regular basis. • Class K fire extinguisher mounted in the kitchen. Your ACUITY loss control representative can assist you in making sure your facilities are properly protected. Manufacturing Road construction season is here and concrete mixers are hard at work. In 2013, ACUITY wrote $13.5 million of concrete business. ACUITY stays current on the concrete industry through participation in the National Ready Mixed Concrete Association (NRMCA) and the Wisconsin Ready Mixed Concrete Association (WRMCA). Recent conferences provided updates on the operations, environmental, and safety aspects of a concrete business. In addition, ACUITY sponsored awards and webinars promoting safety and innovation, giving recognition to successful businesses. During your morning commute as you slow down for construction zones, get a head start to your day by thinking of ACUITY for quotes on your concrete businesses. Concrete businesses deserve a rock-solid company like ACUITY to meet their insurance needs. Construction We all know the construction sector was hit hard in the recent recession and employment in the industry suffered. Fortunately, the U.S. Bureau of Labor Statistics is projecting a healthy outlook for the future! Construction employment is expected to grow 2.6 percent annually through 2022, adding 1.6 million jobs over the 2012–2022 decade. That is the fastest rate of growth, tied with health care, among all major industry sectors. The construction sector is projected to continue growing more than twice as fast as the average for all industries, which will go a long way toward recovery of the jobs lost in the recession. This is great news for the industry, as well as for ACUITY and our agents! Construction is our largest class of business and we look forward to growing it with you! Trucking This past March, several ACUITY Trucking Team members attended the largest annual heavy-duty trucking industry event in the world, the MidAmerica Trucking Show (MATS), held in Louisville, Kentucky. Pictured is Trucking Team member Tricia Deming. MATS provided another opportunity for ACUITY Trucking Team members to build their expertise by talking with industry vendors and attending seminars presented by industry experts. With topics such as pre-trip and roadside inspections, current news on CSA, hot regulatory topics, training on a small budget, and accounting for owner-operators, MATS provided a great learning opportunity for all industry stakeholders. To see what else is new in ACUITY Trucking, check out facebook.com/ acuityingear. • M ay 2 0 1 4 PAG E 5 Tim Jaeck FAMILY TRIO IS HOOKED ON HUNTING When he was six years old, Tim Jaeck went squirrel hunting with his father, Dale, and from that point on he was hooked. “I couldn’t carry a gun until I was 12, but I was constantly in the woods with my dad,” says Tim, Senior Personal Lines Underwriter in East Troy, Wisconsin. Tim passed on his love of hunting to his own children as well. Kaity, his oldest daughter, has accompanied Tim on deer hunts since she was seven. By the time Kaity was old enough to hunt, her younger sister, Ally, was ready to come along as well. Fond Memories For Tim, the joy of hunting with his daughters comes from being outside and spending time with them. “It sounds cliché, but being out in nature is really what it’s all about,” he says. “And once you see a deer, you’re hooked.” As the girls grew older, they began to offer more than just companionship on the hunt. “When they had a few years under their belt, I started to ask them for advice on where to hunt, how to set up our stands—just to take a look at things from a different perspective,” Tim says. Their advice and efforts have helped the trio harvest several deer and wild turkeys over the years. Two years ago, both girls went bear hunting in northern Wisconsin, which turned into a summer activity for the entire family. “Every weekend we’d take an eight-hour road trip to check the land and set up bait,” Tim says. Although neither girl took a bear, the experience created lasting memories—as well as some stories for Kaity to tell her current classmates at Duke University. “Growing up in Wisconsin, she was used to girls hunting, but that isn’t a tradition everywhere,” Tim says. “At college, people were surprised to learn that Kaity has been hunting her whole life, and they didn’t believe she was a bear hunter until she showed them pictures. It was a real eye-opener.” Tim’s fondest memories of hunting come from experiences with his daughters. “I’ll never forget calling in the first tom turkeys for Kaity and Ally,” Tim says. “Seeing them take their first deer and the pride they had—those are moments I’ll always treasure.” Lasting Legacy Tim’s wife, Kelly, doesn’t hunt, so with Ally heading off to college in fall, Tim will most likely be hunting solo for deer and turkey for the first time in many years. He is looking forward to a bear hunt this year and hopefully a bobcat hunt in a few years. He also hopes to someday pass his knowledge and love of hunting to his grandchildren if and when the time comes. “What I like most is sitting out there in the woods, when it’s just starting to get light, and you hear a turkey gobble,” he says. “Whether you get it or not, just hearing that sound helps you leave the everyday hustle and bustle of life behind.” • Kaity, Tim, and Ally Jaeck nfocus ACUITY ’S ROSY ANNUAL REPORT RESONATES WITH AGENTS As soon as our 2013 Annual Report hit agents’ desks, the calls, emails, and pictures started pouring in! Each report was packaged with a hand-assembled bouquet of a dozen fresh-cut roses. Over a four-week shipping process, we sent over 1,000 bouquets each day by overnight mail—20,000 dozen roses in all! Since agents took the time to share their pictures with ACUITY, we wanted to share them with readers of the !nfocus. Enjoy! may 2 0 1 4 PAG E 7 nfocus Not only were the roses a big hit with agency staff, but they also put a smile on the faces of spouses, family members, and even people throughout the community. The Leverity Insurance Group, headquartered in Beachwood, Ohio, “paid it forward,” donating all of its flowers to a local nursing home. M ay 2 0 1 4 PAG E 9 nfocus est online Acuity’sa Colatmm ercial CE course, Inside is now available Underwriter ’s Head, through ACUITY U! implies, Inside a As the course name riter ’s Head will take Commercial Underw ught process of agents through the tho evaluate commercial underwriters as they goal of helping lines accounts, with the own new business agents improve their vers all major lines process. The course co . of commercial business ntinues to pour in co Positive feedback es at ACUITY U: regarding all the cours one in this great “Ethics is a topic every ery day. This video business has to face ev in Prison] is a [Ethics: Three Agents what can happen if wonderful example of t themselves in an one forgets to conduc ethical manner.” ” Hansen, – Raymond C. “Skip Solutions Diversified Insurance format of these “We all really like the le and real events. classes with real peop tch, and the Very interesting to wa all do this in one convenience for us to r office.” sitting was huge for ou land – Pamela Kowal, West s Insurance Service • A FAMILY OF CHAMPIONS When Sam Techel’s Wausau, Wisconsin, hockey team claimed the title in the Pee Wee 1A division of the Wisconsin Amateur Hockey Association (WAHA) State Championship this year, it wasn’t just a great team accomplishment: it was the continuation of a family tradition. Sam’s older brothers, Max and Nick, have also been members of WAHA youth State Championship teams. The three boys are sons of Lonny Techel, Commercial Forest Products Veteran at Klinner Insurance, Inc., in Medford, Wisconsin. Lonny was assistant coach of all three of his sons’ State Championship teams, and he has also served as head coach for different area teams over the years. Congratulations to the Techels on their winning tradition! • may 2 0 1 4 PAG E 1 1 Each month, Market Focus will report on what’s happening in ACUITY’s key sectors: mercantile, manufacturing, construction, and trucking. Mercantile Construction In ACUITY’s market research, one message that stood out was that merchants are looking to do business with a company that truly cares for them and has their best interests at heart. From hat message, the ACUITY Loves Merchants campaign was born. In January, ACUITY’s Mark Christensen (left), Senior Loss Control Representative, and Rick Hoffmann, Regulatory Affairs Analyst III, brought the ACUITY Loves Merchants campaign to the National Retail Federation’s BIG Show n New York City in January. The National Retail Federation (NRF) s the industry’s largest trade association, and the BIG Show is the NRF’s flagship industry event. ACUITY’s Construction Team recently attended the Associated Builders and Contractors of Wisconsin Winter Convention in Wisconsin Dells. Territory Director John English (behind table, left) and Claims Manager Tom Moore (right) were on hand to discuss ACUITY’s broad construction appetite and unique coverages. They were happy to have met numerous agency personnel and construction customers at our booth, which featured a remote control excavator. Manufacturing were selected to review drivers’ motor vehicle records (MVRs) to determine the recipients of each of the WMCA awards. ACUITY knows trucking and strives to be increasingly active in associations such as the WMCA to enhance our understanding of the challenges truckers face. Find the Our was in focus in theTrucking April issue, hidden in the new Members of ACUITY’s Trucking Team are continuing our role as the sponsor of the annual “Market Focus” feature on page 5. Winners ofmajor $100 chosen Wisconsin Motor Carriers Association (WMCA) President’s Safer from among correct entries are: Driver Awards. This year, Trucking Team members at ACUITY Members of ACUITY’s Manufacturing Team recently attended the Manufacturing Matters event put on by the nonprofit organization Wisconsin Manufacturing Extension Partnership (WMEP) to help ACUITY enhance our expertise in manufacturing. This annual manufacturing conference focuses on current challenges facing manufacturing businesses, including federal and local regulation, education, and geographic challenges. Team members also attended breakout sessions on How Can We Keep It Made in America, Food Safety, Additive Manufacturing, and Sustainability-Driven Business Value Scott Arnold Chris Cox Carrie Christie BTOW LLC American Ins. Administrators • Dawson Insurance Hopkins, MN Mechanicsburg, PA Cleveland, OH To enter this month’s contest, find the hidden elsewhere in this issue, then send an email with its location to [email protected] by May 31, 2014. This contest is open to agency staff only. • A P R I L 2 0 1 4 PAG E 5 Word of Mouth An article on the use of American steel in the Tappan Zee Bridge in New York resonated with followers of ACUITY’s “Made in America” page for manufacturers. In addition to generating a spirited discussion, the article has been shared over 200 times. Keep up with manufacturing trends by liking facebook.com/acuitymanufacturing! • What could be better than iconic ACUITY red-and-white gear in front of an American landmark? We can’t think of anything either! Thanks to Senior Claims Representative Annie Peterson for sending in this picture from a frosty trip to New York City last December. IN THE WORLD IS Would you like to win $100? Email a picture of you or your family with ACUITY logo gear visiting an interesting location to [email protected] and include a brief description of Where in the World ACUITY has been. If we use your picture, we’ll send you $100! This offer is open to all employees of ACUITY and our independent agencies. WHERE ACUITY? • nfocus Focus on Con inSTRUCTI ON gratulati ons go out to Lori Ev en – Ass seve o ral ACU ciate in G Joel Kat ITY staff eneral In sma – A members s u s r s a o n ciate in C ce (AINS Ben Mil who earn ler – Ass ommercia ) ed insura o ciate in C l Underw Therese nce desig riting (A ommercia Wilkins nations: U on – Ass l Underw ) o r c it ia in te g-Manag in Comm Addit ement (A ercial Un ionally, m U-M) derwritin any staff g m (AU) embers c Abby C lark – C ompleted PCU 500 insuranc Laura D e course edering work: – CPCU Kris Gr 540 Angie P eupink – r insen – C AU 62 Paul Ha PCU 530 Mike Sc nley – C h uh – CP P C U Lori Klo 5 0 C 0 U 500 R achael T tz – CPC oth – AU U 520 Laura L 61 Marissa eMahieu Wilson – – CPCU Neil Oelr AU 62 530, AIN ich – CP S 21 CU 520 • tech tips A NEW WAY TO promote yOUR AGENCY! ACUITY will soon be allowing agencies to include their logo and contact information on various marketing materials. This will be rolled out in phases, beginning with our online brochures. Your logo and contact information will be featured along with ACUITY’s on the bottom of each brochure! Over 450 logos have already been submitted! To take advantage of this opportunity, ACUITY needs a copy of your agency logo. Please submit your high-resolution agency logo to [email protected]. Any questions can be emailed to the same address. Accepted file types include jpeg, pdf, png, and eps. • may 2 0 1 4 PAG E 1 3 AREA inSIGHT NEW ACUIT Y SEMINARS FEATURE THE “FOCUS FOUR” of CONSTRUCTION SAFETY ACUITY has offered OSHA’s 10-hour construction industry training at no charge to our contracting accounts for some time, and many contractors have taken advantage of this opportunity. Our policyholders and independent agents have also expressed an interest in a shorter training session that would concentrate on the “Focus Four” of construction safety. ACUITY now offers a course that all our loss control representatives can conduct at no charge to contracting accounts. The Construction Focus Four refers to what OSHA has categorized as the four leading hazards in construction: • Falls • Caught-In or Caught-Between • Struck-By • Electrocution Using OSHA-approved course materials, ACUITY’s Construction Focus Four training will cover many different areas in each of the four hazards: traffic control, fall prevention, safe excavating, and much more. The course will feature lessons learned from actual jobsite injuries and fatalities and examine things that could have been done to prevent accidents from occurring. Although the half-day session does not replace OSHA 10-hour training, ACUITY’s Construction Focus Four sessions can help contractors enhance their safety program and control losses. Additionally, by being versed in the terminology of the Focus Four, construction safety personnel can communicate more effectively with OSHA inspectors. BY Andy Hughes – Senior Loss Control Representative Our free Construction Focus Four program is also another benefit that agents can highlight when writing or renewing construction accounts with ACUITY! For more information on ACUITY’s Construction Focus Four training, contact your loss control representative or territory director. • nfocus CONSUMERS S E CONFLICTING ND ME ON CUSTOMER SSAGES CONTACT Re cent studies are se nding the insuranc e industry conflictin g messages about consumers’ preferences for co ntact by their insu Q. What is ACUITY’s appetite for the growing segment ra nce company. of the population who do not own homes? On one hand, customers expect A. We welcome monoline HO-4 business, but you can add value increasingly person alized service, and to the transaction by quoting a Per-Pak or Road and Residence a global survey by FICO found that auto/home package. consumers are look ing for companies to use more and ne wer types of customer engagem ent. For instance, the majority of resp ondents wanted renewal reminders and other alerts via smartphone or email. Q. Are package discounts available to tenants? However, in a study by Celent, “Customers Don’t A. Yes, the typical discount is about 10 to 15 percent on both the Want to Buy Insura nce from Big Brother,” auto and home coverages. If umbrella is added, the home portion is the majority of consumers are op posed to receiving discounted an additional 10 percent. To qualify for the maximum messages that they discount, you need to quote at least $30,000 contents coverage. perceive as a little too personal. For insta nce, receiving a te xt Q. Do you offer anything else to distinguish ACUITY from that the area you are about to walk or dr iv e personal lines competitors? through has seen violent activity an d suggesting an alternate route, A. We offer tenants a Special Personal Coverage or getting an emai l indicating that your driving Endorsement, also know as “open perils” coverage, style suggests you have a higher chance of a fatal ac for $30. Most competitors do not offer this cident, were both negatively received. broad coverage option to tenants. Q&Acuity • • MPOSSIBLE inSURABLES CUT! Is this a movie set for the latest horror flick to come from Hollywood? Sadly, no: it’s a property submitted to ACUITY for coverage. Yes, we do inspect properties that we insure, which is why we won’t be insuring this one. • may 2 0 1 4 PAG E 1 5 BLYTHE KUDRONOWICZ KEEPS AGENCY’S TRUCKING ACCOUNTS ROLLING Customers of Cottingham & Butler can count on Blythe Kudronowicz to deliver outstanding customer service. “Blythe has a great attitude and aptitude for service,” says Kelly Wenzelman, Service Manager. “She is dedicated and conscientious, and that commitment flows through to our customers and our carriers.” A graduate of UW-Platteville with a bachelor’s degree in business administration, Blythe has been an Account Administrator in the agency’s Dubuque, Iowa, headquarters since 2011. As a member of Cottingham and Butler’s National Specialized Transportation Department, Blythe handles the diverse needs of trucking accounts throughout the upper Midwest. “We work closely as a team to help all of our clients,” she says. “If one person is not available, somebody else is right there to help out. Everyone here is customer-service driven.” Blythe says that listening is the foundation of effective customer service. “It’s important to take the time to truly listen to what clients have to say in order to determine their needs. Being trustworthy and responsive is also essential to build relationships with customers and carriers,” she explains. “We’re a hardworking bunch, but we have fun too,” Blythe adds. “I love my coworkers—they are a great group of people on both a professional and personal level.” Congratulations to Blythe Kudronowicz, an Outstanding Service Professional! OUTSTANDING • Searching for a Job? ing for ACUITY is look Headquarters talented indivi Director - Staff Loss Control House Counsel Software Devel opers Software Devel oper Interns Systems Enginee rs Technical Supp ort Analyst Trucking Busin ess Segment Sp ecialist Field Field Claims R epresentative Illinois (Chicago ) duals to fill man y different posi tions: Commercial F ield Underwrite rs Nevada (Las Ve gas) New Mexico (A lbuquerque) Loss Control R epresentatives Michigan (Eas tern) Nevada (Las Ve gas) North Dakota (B ismarck)/South Dakota (Rapid Wisconsin (Mad City) ison) Premium Audito r Illinois (Chicago ) For more inform ation, contact Jo an Ravanelli M Vice President iller, General C - Human Resou ounsel and rces, at 800.24 2.7666, extens ion 1666. •
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as knowing the price of concrete or the going rate for different types of construction can make a huge difference in designing the best risk management program for customers.”
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