What do local insurance agents mean to us?
The better question might be, "What don't they mean?" ICAP agents are more than important. They are our boots on the ground, so to speak!
We work exclusively through local agents, because they are a part of the members they represent, and they keep us in the loop with what's happening in our member communities.
Sure, we - the ICAP team - reside in Iowa, and we are ready to respond to a member situation at a moment's notice, but our agents are the eyes and ears that make it possible. They enable us to provide our members with first class risk management service - service that is tailored to the individual ICAP member(s) they represent.
See, our members don't always understand the nuances of insurance (quite frankly, they shouldn't have to!). With the right agent, they don't need to.
Our agents are a part of their member communities, even outside of their business. Typically, they live and work there, which means they are vested in the public entity's success. It also means they are better able and equipped to look out for their members. As a part of the community, local agents often notice a new piece of playground equipment or a small generator - you know, "new buys" that can sometimes get overlooked - and they can help make sure each item is listed (on the SOV) and properly covered.
That's incredibly important for a public entity; in fact, so important, it makes local agents invaluable to their members.
We've seen this time and time again in our 30 years of business, and it makes me so proud of the insurance agents we work with. They are well informed; they are active in their agencies and communities; and they are incredibly important, both to their members and the Pool. In fact, ICAP wouldn't be what it is without them.
Don't take my word for it - check out what others from the ICAP team have to say. I asked them to weigh in!
"Our agents are a constant! Their relationships with our members are absolutely essential; they lead to better coverages and more open communication." Charlotte Miller, Underwriter II
"I've had the great pleasure of working with a large number of local agents and, over the past 30 years, I've learned agents can be ICAP's eyes and ears in the community. That can be truly invaluable to an ICAP member!" Val Bilbrey, Finance Officer
"A close relationship between a member and its agent is key. It can lead to a quick, easy anniversary process!" John Kamerick, Underwriter II
"Local agents help keep us abreast of specific needs and changes in the communities, and they campaign for coverages that meet their members' exclusive needs. Because they take pride in our state, they share in our dedication to serve the cities and counties of Iowa. It's a win-win for all of us!" Tammy Christiansen, Applications Analyst Specialist II