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september 24, 2012 | Vol. 90, No. 18 West reGIoN LIU_110751_OCEAN_P4D L: 7.875 x 10.375 T: 8.375 x 10.875 B: 8.625 x 11.125 LIBCR15698.indd 1 LIU_110751_OCEAN_P4D.indd 1 © 2012 Liberty Mutual Insurance Certain coverage may be provided byasurplus lines insurer. Surplus lines insurers do not generally participate in state guara Boston |New | Chicago York |Atlanta |Dallas |Houston |Denver |Los Angeles |Seattle | San Francisco |Miami |Baltimore | 2 | INSURANCE JOURNAL-WEST REGION September 2012 24, THERE ARE SOME RISKS ONLY A SPECIALIST CAN HANDLE. CAN ASPECIALIST ONLY ARE RISKS SOME THERE We’re LIU, the LIU, global specialtyWe’re lines division ofLiberty meet our underwriters Mutual Insurance. To and learn more about how can they help and you clients your handle unique risks, visit PROGRAMS D&O /FIDELITY /EPLI RANSOM &EXTORTIONKIDNAP, LIABILITY PROFESSIONAL PRODUCT RECALL CONTAMINATION PRODUCT ENERGY CONSTRUCTION RAILROAD ENVIRONMENTAL E&S PROPERTY &UMBRELLA CASUALTY EXCESS CASUALTY PRIMARY nty funds and insureds are therefore not protected bysuch funds. London |Europe |Asia |Australia |Canada |Latin America |Middle East www.LIU-USA.com. www.insurancejournal.com 2/8/12 12:15PM 2/8/12 9:29AM ISO 12647-7 Digital Control Strip 2009 3% A 100 60 100 70 30 100 60 100 70 30 100 60 100 70 30 100 40 40 100 40 100 40 70 40 70 40 40 40 70 40 40 70 40 70 40 40 3 10 25 50 75 90 100 B 100 100 60 100 100 70 70 30 30 100 100 60 100 100 70 70 30 30 100 100 60 100 100 70 70 30 30 100 40 100 40 40 100 10 40 40 20 70 70 70 70 40 70 40 40 0 0 0 0 3.1 2.2 2.2 10.2 7.4 7.4 25 19 19 50 40 40 75 66 66 100 100 100 80 70 70 100 LIU_110751_OCEAN_P4D L: 7.875 x 10.375 T: 8.375 x 10.875 B: 8.625 x 11.125 LIBCR15698.indd 1 LIU_110751_OCEAN_P4D.indd 1 © 2012 Liberty Mutual Insurance Certain coverage may be provided byasurplus lines insurer. Surplus lines insurers do not generally participate in state guara Boston |New | Chicago York |Atlanta |Dallas |Houston |Denver |Los Angeles |Seattle |San Francisco | Miami |Baltimore | THERE ARE SOME RISKS ONLY A SPECIALIST CAN HANDLE. CAN ASPECIALIST ONLY ARE RISKS SOME THERE We’re LIU, the LIU, global specialtyWe’re lines division ofLiberty meet our underwriters Mutual Insurance. To and learn more about how can they help and you clients your handle unique risks, visit PROGRAMS D&O /FIDELITY /EPLI RANSOM &EXTORTIONKIDNAP, LIABILITY PROFESSIONAL PRODUCT RECALL CONTAMINATION PRODUCT ENERGY CONSTRUCTION RAILROAD ENVIRONMENTAL E&S PROPERTY &UMBRELLA CASUALTY EXCESS CASUALTY PRIMARY nty funds and insureds are therefore not protected bysuch funds. London |Europe |Asia |Australia | Canada |Latin America |Middle East www.LIU-USA.com. Executives and Employment Practices Great American Knows What You Need 2/8/12 12:15PM 2/8/12 9:29AM Front-To-Back, Top-To-Bottom GAMEXC16089.indd 1 ISO 12647-7 Digital Control Strip 2009 3% A 100 60 100 70 30 100 60 100 70 30 100 60 100 70 30 100 40 40 100 40 100 40 70 40 70 40 40 40 70 40 40 70 40 70 40 40 3 10 25 50 75 90 100 www.insurancejournal.com Our teamunderstands Policy after policy. Claim after claim. Year after year. afteryear. Year Policy Claimafterclaim. after policy. all in And wedoit help protectthepeopleyoucount onforyoursuccess. we acorporate executiveorahiringmanager, Whether it’s A toZ. B 100 100 60 100 100 70 70 30 30 100 100 60 100 100 70 70 30 30 100 100 60 100 100 70 70 30 30 100 40 100 40 40 100 10 40 40 20 70 70 70 70 40 70 40 40 0 0 0 0 3.1 2.2 2.2 10.2 7.4 7.4 25 19 19 50 40 40 75 66 66 100 100 100 80 70 70 100 letter-perfect fashion letter-perfect the specialized coverage you need from the specializedcoverage youneedfrom . Great American Insurance Group I 301 East Fourth Street I Cincinnati, OH45202 Street I Cincinnati, American Insurance GroupI301East Fourth Great September 24, September 2012 24, INSURANCE JOURNAL-WEST REGION | 3 www.GreatAmericanELD.com Executive LiabilityDivision 9/6/12 2:10PM N16 West on the Cover special report: America’s best Independent Agencies Inside This Issue to Work For 2012 September 24, 2012 • Vol. 90, No. 18 • West Region 8 14 N12 N44 NAtIoNAl CoVerAGe West CoVerAGe IdeA exChANGe N10 Commercial lines pricing 8 New mexico Jury Awards $2m N1 Growing Your property Jumps 6% in Q2: towers for botched back surgery Casualty Agency: shulman Watson 8 brown signs electronic proof N6 the Competitive N12 Closer look: Know the details of Insurance bill Advantage: burand When Insuring Cargo N14 Closer look: Why Cargo 14 New National parks’ N44 Closing Quote: dave Coons Security should be on every Insurance requirements Business’ to-do list Ignite Controversy N16 special report: America’s best 16 Report: Wildfires pose risk Independent Agencies to to three Quarter-million Work For 2012 N17 Best overall: Western U.s. homes bryan Insurance N18 best in the West: 20 Judges tout Wikipedia in ‘Jet meyer & Cook Insurance Agency N19 best in the south Central: Ski’ exclusion Ambiguity Walker myers Insurance & risk management N20 best in the southeast: 26 First Annual InsurFest herbie Wiles Insurance N21 best in the midwest: Touts leadership hausmann Johnson Insurance N22 best in the east: American Insurance services Agency depArtmeNts 6 opening Note N24 low Interest rates: An ongoing 10 people Problem for the re/insurance 12 declarations Industry 12 Figures N4 myNewmarkets N25 2012 professional liability Directory 4 | INSURANCE JOURNAL-WEST REGION September 24, 2012 www.insurancejournal.com Successful companies typically find 1 or 2 things and do them very well. We found 5. Up to 30 rental units $1 million excess UM/UIM Combine personal and commercial policies LLCs, DBAs, estates and trusts Youthful and senior drivers PersonalUmbrella.com. We do. www.insurancejournal.com September 24, 2012 INSURANCEAvailable JOURNAL-WEST nationally. Underwriting criteria REGION varies by state. | 5 Visit us online for guidelines. California Insurance License 0D08438 wefound5-ij-0712.inddPERSONALUMB15984.indd 1 1 9/4/127/12/12 4:14 1:40 PM PM West CoVerAGe edItorIAl editor-in-Chief Andrea Ortega-Wells | awells@insurancejournal V.p. Content Andrew Simpson | [email protected] east editor Opening Note Young Ha | [email protected] southeast editor Michael Adams | [email protected] south Central editor/midwest editor Stephanie K. Jones | [email protected] West editor outdoor Feeling of Freedom Costs Don Jergler | [email protected] International editor Charles E. Boyle | [email protected] hat feeling of freedom one gets from the great outdoors it seems is any- ClaimsJournal.com editor Denise Johnson | [email protected] Tthing but free. myNewmarkets.com Associate editor Amy O’Connor | [email protected] A recent National Parks Service decision to hike their required insurance Columnists liability limits has outfitters, guides and their insurance providers, headed Chris Burand, Curtis Pearsall, Alan Shulman Contributing Writers to the halls of Congress, reports MyNewMarkets Associate Editor Amy Dave Coons, Barry Tarnef O’Connor. sAles V.p. sales & marketing Julie tinney (800) 897-9965 x148 O’Connor’s story starting on page 14 details a battle over an increase in [email protected] West dena Kaplan (800) 897-9965 x115 outfitter and guide general liability limit requirements from a minimum [email protected] of $500,000 to $5 million on 2010 renewal contracts for rafting companies south Central mindy trammell (800) 897-9965 x149 [email protected] operating in Grand Teton National Park. midwest lauren Knapp (800) 897-9965 x161 [email protected] Opponents of the hike say it’s unnecessary and may put smaller opera- southeast howard simkin (800) 897-9965 x162 [email protected] tors out of business, but NPS says the higher limits are based on recommen- east dave molchan (800) 897-9965 x145 dations from risk and insurance experts at PriceWaterhouse Coopers and [email protected] New markets sales manager consultants at insurance broker Aon Global Risks. NPS also says backcoun- Kristine Honey | [email protected] Classifieds, Jobs, Agencies Wanted/For sale (800) 897-9965 x125 try operations carry Ly Nguyen | [email protected] higher risk, and that mArKetING/NeW medIA ‘…in the late 12th and early marketing Administrator the minimum commer- Gayle Wells | [email protected] cial liability for rela- 13th centuries, fully one-third Advertising Coordinator Erin Burns | [email protected] tively low-risk opera- of the land area of southern (619) 584-1100 x120 New media producer tions starts around $1 England was designated as Bobbie Dodge | [email protected] million. Videographer/editor royal forest.’ Matt Tolk | [email protected] The America desIGN/Web Outdoors Association, Vice president/design Guy Boccia | [email protected] a trade association for outfitters, says the recommended liability levels will Vice president/technology Joshua Carlson | [email protected] cost too much, and an independent actuary hired by the group said it’s rare design and marketing executive Derence Walk | [email protected] to have a claim that reaches $1 million. Web developer Jeff Cardrant | [email protected] Bottom line for outdoor enthusiasts is this could end up leading to Web developer increased costs for folks to access the outdoors. It may be a stretch to Chris Thompson | [email protected] make this comparison, but to me it smacks of the Royal Forest IJ ACAdemY oF INsUrANCe director of education concept. In England in the 11th, 12th and 13th centuries, some Christopher J.