Rep. Mike Ross Named
Big “I” Legislator of the Year
cess in the Senate which he said stalls
Blue Dog Coalition Leader Hailed as a
Fiscal Watchdog and Small Business Advocate
WASHINGTON, D.C.—The Independent Insurance Agents & Brokers
of America (the Big “I”) recognized
Rep. Mike Ross (D-Ark.) as the Gerald Solomon-IIABA Legislator of the
Year for 2009.
The award was presented during the
annual Leadership Luncheon, just
prior to the Big “I” Legislative Conference & Convention; Rep. Ross presented the keynote address.
“We don’t need a 2000-page bill that
nobody understands, including members of Congress,” said Rep. Ross. He
also discussed three items he says need
to be done in this area: 1) health insurance reform; 2) a way for the uninsured and small businesses to have
access to health care; and 3) cost containment. Rep. Ross voted against the
House bill and said, “The best thing
we can do is start over.” The Big “I”
supports this position.
Get This House Back in Order
During the luncheon, he also an-
nounced that earlier that day he
co-sponsored a Balanced Budget Con-
stitutional amendment. He discussed
the history of America’s debt, his hesi-
tation to amend the nation’s founding
document, and said, “Folks, we’ve got
to get this house back in order.”
“Rep. Ross is a true Blue Dog Dem-
ocrat who practices what he preach-
es,” said Robert A. Rusbuldt, Big “I”
president and CEO in presenting the
award. “Mike is us. He’s a former in-
dependent agent from Arkansas and
has a great background as an indepen-
dent agent who knows the industry
Rep. Ross chairs the Blue Dog Health
Care Task Force and was instrumen-
tal in ensuring [that] the House health
care bill included independent insur-
ance agents and brokers in proposed
His address also included discussion
of the recent banking bailout, taxes,
the number of bills with House pas-
sage that are currently pending before
the Senate, and the filibuster pro-
The Legislator of the Year Award is bestowed annually by the Big “I” upon
a member of Congress who has provided outstanding leadership on in-
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Vol. 20 No. 8
Many of your insureds, if they think about personal umbrella
policies at all, probably think of them as something that only rich
people buy, particularly in the current economy. After all, umbrella
policy limits typically run in the $1 million to $10 million range. Most
people can’t imagine needing that level of coverage. But realistically,
it’s not that difficult to do a million dollars worth of damage. For
example, in an auto accident, the insured could seriously injure a
family of seven riding in their van or hit a commuter train – making the insured responsible for some pretty hefty medical bills.
One unextinguished campfire or cigarette casually tossed into the
underbrush can lead to a disastrous wildfire that damages property
and injures many people.
The CSR Advisor
• Intentional acts
A CONTINUING EDUCATION SERVICE FOR INSURANCE PROFESSIONALS
• Number of uninsured
motorists may climb
• Sleep and job performance
Umbrella policies vary from insurer to insurer, but most share
common elements with Insurance Services Office’s (ISO) umbrella,
which our discussion focuses on.
ROFESSIONAL GRO W TH
LOOK AT THE LAW
ES T YOUR KNO WLEDGE
ON THL Y QUIZ
Who needs a personal umbrella?
• Is allowing minors to drink
In This Issue:
If a court orders the insured to pay damages, the insured has to
pay, even if the amount exceeds his or her homeowners or auto
policy limits. That could leave the insured in a huge financial mess.
Personal umbrella policies are designed to protect the insured
against catastrophic losses by providing additional limits for occurrences covered by an underlying primary policy, such as the
homeowners, personal auto, or watercraft policy.
• Personal umbrellas
• Commercial inland
In some cases, the umbrella policy provides broader coverage
than that offered in underlying policies. The policy pays damages
for bodily injury, property damage, or personal injury for which an
insured becomes legally liable due to a covered occurrence. There
are a number of exclusions that apply – expected or intended injury,
except the use of reasonable force to protect people or property;
injury arising out of the insured’s business; war; communicable
diseases; bodily injury that should be covered by workers compen-
sation; and others. Still, there are typically fewer or less restrictive
Excess and drop-down coverage
© 2009 by Standard Publishing Corporation. The CSR Advisor (ISSN #1044-
9884) is published monthly by the
John Liner Organization, a division of
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Federal Street, Boston, MA 02110.
Continued on page 2
Board of Editorial Advisors: Virginia M. Bates, Co-founder, VMB Associates, Melrose, MA; Elise Farnham, ARM, AIM, CPCU, CPIW,
RPA, President, Illumine Consulting, Atlanta, GA; Jill H. Gidge, CPCU, CIC, AAI, CPIW, President, Insure-Ed., Nashua, NH; Russell
Granger, President, Insurance Learning Systems, Easton, MD; Jean Lucey, Librarian, Insurance Library Association of Boston; Irene Mor-rill, CPCU, CIC, CRM, ARM, LIA, CPIW, Director of Technical Affairs, Massachusetts Association of Independent Agents, Framingham, MA;
Mark J. Rolland, President, Society of Certified Insurance Service Representatives, Austin, TX; Cynthia Ziegler, CPCU, ARM, AAI, CPIW,
Executive Director, Casualty Actuarial Society, Arlington, VA.
In this ever-changing insurance
marketplace, your CSRs are required to
know more than ever before…
respond to greater demands
and to do it all while providing
superior customer service.
Give your CSRs the tools they need
to succeed. Begin your subscription to
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THE INSURANCE RECORD • MARCH 11, 2010 15