The Insurance Industry’s Contribution to Community Impact Development I.I.I. Members ACE USA ACUITY AEGIS Insurance Services Inc. Unique Programs Address Hunger, Allianz of America, Inc. Allied World Assurance Company Recycling, Societal Resilience and More! Allstate Insurance Group ALPS e’ve got many interesting and unique programs to tell you about in our Summer 2015 American Agricultural Insurance Company issue of Impact. American Family Insurance W American Integrity Insurance Company Chesapeake Employers’ Insurance Company developed a program dedicated to increased American International Group community outreach to strengthen the economic vitality of Maryland’s communities. American Reliable Insurance Amerisafe Island Insurance Company’s philosophy of being Always Here to Help drove the estab- Amerisure Insurance lishment of its charitable arm to provide a more consistent source of funding for worthy Arch Insurance Group Argo Group nonprofit efforts throughout Hawaii. Arthur J. Gallagher Swiss Re is part of an unprecedented, nationwide effort to combine new technology Beacon Mutual BITCO Insurance Companies and innovation with neighbor-to-neighbor outreach to confront home fires in the U.S. Canal Insurance Safeco Insurance developed the Make More Happen Program to recognize and celebrate Catholic Mutual Group Century Surety Company the volunteerism of independent agent partners and honors their community commitment Chesapeake Employers Insurance with donations to the charities they support. Chubb Group of Insurance Companies Church Mutual Insurance Company American Family pledges to be an environmentally and socially responsible corpo- CNA rate citizen. The company is a founding member of the United States Zero Waste Business The Concord Group COUNTRY Financial Council, whose mission is to educate, inform and document the performance of zero waste Country-Wide Insurance Company businesses using scientific methods to help businesses and communities become more Crawford & Company CSAA Insurance Group, a AAA Insurer healthy and sustainable. CUMIS Insurance Society, Inc. CSAA Insurance Group, a AAA Insurer, is continuing its century-long legacy of volun- Dryden Mutual Insurance Company EMC Insurance Companies teerism in partnership with Stop Hunger Now, an organization committed to ending hunger. Enumclaw Insurance Group GuideOne employees make up the GuideOne Foundation Employee Advisory Erie Insurance Group Farm Bureau Insurance of Missouri Committee (GFA), which is responsible for directing the giving of the interest from the Farmers Group, Inc. endowment to nonprofit organizations or events that promote the education, health, safety FM Global GEICO or overall welfare of young people in grades K-12. Gen Re More than 20 years ago, Associates in Lockton’s Kansas City office started a bike team Germania Insurance Grange Insurance Association to ride in Bike MS. Through the years, hundreds of Lockton Associates have joined the Grange Insurance Group cause and Lockton Associates’ individual fundraising efforts comprise the majority of the GuideOne Insurance The Hanover Insurance Group Inc. $1 million Lockton has donated to date. The Harford Mutual Insurance Cos. Over the years, ACE Group attorneys have provided pro bono representation to those The Hartford Financial Services Group The Horace Mann Companies who need legal support but cannot afford it. The company believed a more systemized and Ironshore Insurance Ltd. Island Insurance cohesive approach was needed. As a result, the North America Office of General Counsel Kemper Corporation Pro Bono Program was formally launched in September 2014. Liberty Mutual Group Lloyd’s We hope you enjoy this issue and, as always, are eager to hear about new programs Lockton Companies making an “impact” on our communities. Magna Carta Companies MAPFRE Insurance Marsh Inc. MEMIC MetLife Auto & Home Michigan Millers Mutual Ins. Co. Robert P. Hartwig, Ph.D., CPCU Millville Mutual Insurance Company President, Insurance Information Institute Missouri Employers Mutual Insurance MMG Inside: Motorists Insurance Group Munich Re Nationwide New York Central Mutual Fire Ins. Co. Inside: The Norfolk & Dedham Group Ohio Mutual Insurance Group Associates Bike, Walk and Stand Together...... 3 OneBeacon Insurance Group PartnerRe An Unstoppable Team Combating Hunger...... 6 Pennsylvania Lumbermens Mutual Pro Bono Legal Program Builds Bridges to Community...... 8 Insurance Company Providence Mutual Fire Insurance Co. Purpose-Driven Employees Make a Difference...... 10 Scor U.S. Corporation SECURA Insurance Companies Always Here to Help the People of Hawaii for 75 Years ...... 12 Selective Insurance Group Celebrating 100 Years of Serving Maryland...... 14 State Auto Insurance Companies State Compensation Ins. Fund of CA Building More Resilient Communities...... 17 State Farm Mutual Automobile Ins.Co. Cheers for Independent Agents Come from the Heart ...... 20 The Sullivan Group Swiss Reinsurance America Corporation Creating a Sustainable Future...... 23 Travelers USAA Utica National Insurance Group Westfield Group Summer 2015 Vol. 21 No. 1 Impact is published by the Insurance Information Institute, 110 William Street, W. R. Berkley Corporation New York, N.Y. 10038; 212-346-5500. Editor: Diane Portantiere; ©2015 Insurance Information Institute, www.iii.org Willis XL Group On the cover: CSAA Insurance Group volunteers add rice, soy, vegetables, vitamins and minerals into packets for Stop The Zenith Hunger Now. See story on page 6. Photo: CSAA Insurance Group. Zurich North America Associates Bike, Walk and Stand Together

riting a check is one thing. to ride in Bike MS, a fundraiser then “I had to decide whether I was Personal commitment is known as the MS 150. The event was going to crawl in a corner or stand Wsomething else entirely. relatively new at the time, and as it up and use my diagnosis for good,” In 2015, Lockton won a Circle grew in Kansas City, Lockton stepped Dryden explained. She took a tem- of Distinction Award for raising up with a team of volunteers and a porary leave from work after her $1 million for the National Multiple commitment to sponsor a lunch stop diagnosis to regain her vision. On Sclerosis Society, and they didn’t do during the ride. her first day back to the office, she it by writing a check. Instead, the Eager to lend her support to her bumped into Chairman David Lockton. company promised its Associates the colleagues, Lockton Vice President “He said, ‘You’re going to be our resources they needed to embrace a and Account Executive Roslyn Dryden champion. There’s a reason for every- charitable cause that meant something joined the volunteer efforts, not realiz- thing and it’s up to you to decide why

to them personally. A small group of ing she would one day champion this happened to you,’” Dryden remem- Photos: Lockton Companies. Associates chose the MS Society more the cause herself. In 2004, during a bers him saying. “While most people than 20 years ago, and from that begin- business trip, Dryden temporarily diagnosed are fearful they’ll lose their ning grew a remarkable commitment. lost her vision. Two weeks later, job, I was welcomed back and empow- In 1992, Associates in Lockton’s the diagnosis came in: Dryden had ered to do anything and everything I Kansas City office started a bike team Multiple Sclerosis. could for our community,” she said.

Inside:

Lockton’s Bike MS Team.

3 David Lockton himself participates of volunteers hosted hot dog lunch City whose twin sister Kathie was in Bike MS as a fundraiser — and a fundraisers, coffee/cupcake carts in the battling MS, he decided to sponsor cyclist. He’s also served many times on office, and other efforts to continue Kathie’s participation in Kansas City’s event committees, and he won the MS raising money for the cause, which Challenge Walk. Meanwhile, Jackie Society’s Hope Award in 2006 for his support the local MS Society chapter sponsored Joey in Bike MS each year years of service and participation. and research on a broader scale. Even in Houston. In 2011, Joey asked Jackie “David has been a tremendous Lockton’s carrier and vendor partners if he could ride that year’s Bike MS supporter and advocate,” said Tami donated to support Lockton’s efforts. event in her sister’s honor. He and his Greenberg, President of the Mid- Meanwhile, word of the Kansas friends even arranged for Jackie, Kathie America Chapter of the National City team’s efforts spread to other and their parents to travel to Houston Multiple Sclerosis Society. “People Lockton offices across the country, to watch the event. want to invest their time and energy in and teams of Associates gathered to When Kathie succumbed to the something they know matters to their participate in Bike MS and Walk MS disease later that year, Joey attended leadership, and David has made it clear events in Hartford, Denver, Houston, her funeral, an example of the close that MS matters to him.” Los Angeles, Omaha, St. Louis and bonds that connect Lockton’s MS Lockton’s commitment to Bike Washington, D.C. teams across the country. MS continued to grow from one year In Houston, Lockton Associate “What we have in Lockton is a to the next, and Lockton Operations Joey Dryden (no relation to Roslyn) rather rare combination of employee Specialist Aundria Downie stepped up is captain of his Bike MS team. When engagement and leadership support,” to help lead the effort. With the com- Joey learned about Jackie Schmidt, a Greenberg said. “The Circle of pany’s support, Downie and a team fellow Lockton Associate in Kansas Distinction award the company won

The largest Lockton team ever for Walk MS, Roslyn Dryden was the company captain for the first time, while also serving on the MS Board.

4 During Lockton’s 2015 Charity Beer Friday to raise awareness about MS, the company chose a cow theme as a fun play on words for its “Move/(Moove) It” theme.

is the result of Lockton Associates and Lockton leadership is outstand- the empowerment the company gives standing up and making a personal ing and we are grateful for it,” said us to fulfill our dreams of helping the commitment to help change the world Greenberg. “We need that level of charities that are important to us,” for people with MS.” support to advance our mission to end Downie said. “Our company’s philoso- Through the years, hundreds of MS, and we couldn’t do it without phy is to take care of our community Lockton Associates have joined the our friends and partners at Lockton.” and of each other, and that’s what cause, either as volunteers or team Greenberg also added that events like we’re doing through our involvement members. According to Greenberg, Bike MS and Walk MS are an oppor- in the MS Society.” the Associates’ individual fundraising tunity for companies like Lockton Sara Harper, Assistant Vice efforts comprise the majority of the to strengthen and unify their teams. President and Community Relations $1 million Lockton has donated to date. Dryden agreed. Specialist, adds that the company The rest comes from Lockton’s corpo- “I think a big driver of our wide- stands ready to help its Associates rate sponsorship of MS Society events. spread participation is that others make the most of their charitable “The commitment from Associates at Lockton either have MS or a fam- commitments. ily member has it,” “Lockton is an entrepreneur- Dryden said. “Our work ial company and it shows in our has just continued to approach to charity,” Harper said. “If Lockton Houston Account grow, with more peo- an Associate comes to us with a cause Executive Claudia Currea- ple getting involved. that’s important to them, we will Criner, and her husband We’ve had the largest give them what they need to succeed, Jeff Criner, were part of bike teams, walk teams, including time, resources and support the 42 Lockton riders that fundraising teams, ‘best from the highest levels of leadership. raised nearly $40,000 to rest stop’ awards — it’s They know they can count on their benefit the Multiple been endless.” company and, as a result, the commu- Sclerosis Society. “There’s no end to nity can count on Lockton.” n

5 An Unstoppable Team Combating Hunger

resident John F. Kennedy said, a powerful agent of positive change, packed and readied for shipping. “The war against hunger is which is why we provide 24 hours of The packing events are fun, fast- Ptruly mankind’s war of libera- paid time off each year for employees paced and uplifting, and volunteers tion.” CSAA Insurance Group, a AAA to volunteer.” typically work in one-hour shifts. As Insurer, is continuing its century-long To reach its goal of feeding mil- meals are packed, loud music fills the legacy of volunteerism in partnership lions of people annually, Stop Hunger room, lifting the energy level. After with Stop Hunger Now, an organization Now created a portable food packaging every 1,000 meals are packed, a gong committed to ending world hunger. In program they bring to organizations is struck, the volunteers cheer — then only two years, CSAA Insurance Group all over the country, saving volunteers get right back to it — pushing through employees have packed more than travel and preparation time. to the next 1,000 meals. 180,000 meals, engaged nearly 1,600 Three steps is all it takes to This year, CSAA Insurance Group employee volunteers and contributed combat world hunger. Step one: has committed 3,000 employee hours 2,000 volunteer hours. ingredients for nutritious dehydrated to Stop Hunger Now. The goal is “Stop Hunger Now’s mission to meals are set out, and employees form to create 300,000 meal packets and end hunger in the U.S. and abroad is an assembly-line to funnel soy, rice, expand events to include employees in a great fit with our value of being car- vegetables and essential vitamins and California, Colorado, Arizona, Nevada, ing,” said Danielle Cagan, corporate minerals into plastic packets. Each Oklahoma and New Jersey. communications and public affairs packet provides a meal for six people. “They need people to pack meals executive at CSAA Insurance Group. At step two, the packets are weighed and we have people eager to volun- “We believe every employee can be and sealed. Finally, the meals are teer,” said Roger Hancock, community

CSAA Insurance Group volunteers celebrate their work with Stop Hunger Now. Photos: CSAA Insurance Group.

6 relations manager at CSAA Insurance Group. “The flexibility for scheduling also helps us out a lot,” said Hancock. “Not many volunteer programs can engage that many employees and aid that many people in an hour.” The company’s national, award- winning employee volunteer program engages 3,600 employee volunteers, helping at almost 450 projects each year. Through the Community Safety Foundation, funded by CSAA Insurance Group, employees can have Foundation funds allocated to nonprofits for which they volunteer. Employees can also get matching funds for their personal donations to nonprofits. Stop Hunger Now was founded by U.S. Marine Corps veteran Ray Buchanan in 1998. Based in Raleigh, North Carolina, it has provided more than 185 million meals to 65 countries since the first meal packing event in

Teamwork is key in creating a smooth meal packing operation. CSAA Insurance Group volunteers measure, pack, seal and count the meal packets.

2005. This year it hopes to ship 50 “What we want everyone to know million food packets and donate more is that hunger is solvable and is the than $12 million in aid such as medi- common thread among the world’s cine, medical equipment, soap and most challenging issues. When hun- vitamins. ger is targeted, you give leverage and Of the 7.3 billion people in the hope to every other cause including world, one in nine, or about 805 poverty, disease, education and the million, suffers from chronic under- welfare of women and children,” said nourishment, according to Stop Rod Brooks, President and CEO of Stop Hunger Now. Hunger Now. n

7 Pro Bono Legal Program Builds Bridges to Community Engagement

hat many people may not vidual lawyer’s desire and professional Director of Corporate Pro Bono, and know is lawyers have a responsibility to give back to the com- Susan Hackett, Chief Executive and Wprofessional responsibility munity. As a result, the North America Chief Legal Officer of Legal Executive to provide pro bono representation Office of General Counsel (“OGC”) Leadership, LLC, a longtime in-house to those who need legal support but Pro Bono Program was formally pro bono supporter, provided an cannot afford it. Over the years, ACE launched in September 2014. overview of various ethical issues that Group attorneys have fulfilled this Led by Carrie L. Davis, Counsel, should be considered by in-house legal responsibility in many ways. However, and Tom Wamser, Assistant General teams when providing pro bono ser- Kevin Rampe, General Counsel, North Counsel, the NA OGC Pro Bono vices. Runyon and Hackett discussed America Office of General Counsel, Program’s official launch incorporated multijurisdictional practice rules, the believed a more systemized and cohe- a satellite training program held in formation of an attorney-client rela- sive approach was needed — one the company’s U.S. headquarters in tionship, avoiding conflicts of interest that would respond to the growing Philadelphia for NA OGC colleagues and the provision of limited-scope need for pro bono legal services, located in 11 ACE offices in the U.S., legal services. They also addressed while making the most of each indi- Bermuda and Canada. Eve Runyon, some of the unique challenges of

Photos: ACE Group.

8 in-house pro bono practice and pro- while,” said Rampe. The October 2014 pro bono legal services by Philadelphia vided guidance to help OGC members clinic was such a success that the OGC VIP as a finalist for the Justice William J. feel comfortable using their legal skills and White & Williams has commit- Brennan, Jr. Award, VIP’s highest in assisting those in need. ted to staffing the clinic on a quarterly honor. Philadelphia VIP is a nonprofit The first OGC-sponsored Pro Bono basis through 2015 in an effort to assist organization that serves as a hub for Program event, held in October of more SLC clients. pro bono legal services in Philadelphia, 2014, was a personal planning legal In November 2014 ACE’s OGC Pro and promotes equal justice for the eco- clinic during which ACE attorneys and Bono Program participants joined forc- nomically disadvantaged by providing legal staff, along with attorneys from es with PECO/Exelon’s legal team and civil legal services not otherwise avail- the Philadelphia office of White & attorneys from Philadelphia-area law able to them. A plaque was presented Williams, prepared such life planning firms and corporations to participate in to members of ACE’s legal team at an documents as wills, powers of attorney the Homeless Advocacy Project’s Birth awards ceremony on March 16, 2015, and advanced directives, for 12 senior Certificate Clinic, a legal clinic that in which members of the judiciary, citizens through the SeniorLAW Center helped process requests for a record 242 other attorneys, law students and legal (“SLC”). SLC is a nonprofit organiza- birth certificates for 185 adults and 57 administrators gathered to pay tribute tion helping more than 7,000 seniors children who were homeless or at risk to the pro bono accomplishments of annually, serving those ages 60 and of becoming homeless. VIP volunteers in 2014. older with urgent legal issues such as Since the inception of the Pro “As a global insurer, it’s important elder abuse, financial exploitation and Bono Program, ACE OGC colleagues to stay connected to the communities housing crises, including mortgage, have also provided pro bono legal rep- where our employees live and work,” reverse mortgage and tax foreclosures resentation in matters of guardianship, said Rampe. “That extends to our legal and landlord-tenant eviction matters. child advocacy, economic develop- team as they lend their expertise to “Partnering with White & Williams ment, deed transfers and small business help individuals and organizations in and the SeniorLAW Center for this clinic counseling, by working with such orga- need. I’m proud of their accomplish- Photos: ACE Group. gave our legal team an opportunity to nizations as Chicago Volunteer Legal ments and am looking forward to the positively impact the community in Services, Center for Economic Progress, continued success of the NA OGC which we live and work in a very dif- Philadelphia VIP and Support Center Pro Bono Program, as we extend its ferent way. We are delighted to be part for Child Advocates. reach to additional regions throughout of a cause that we consider so worth- ACE was recently recognized for its North America.” n

Opposite page: ACE NA OGC and legal mem- bers with Philadelphia VIP Board Member Carmen Romano of Dechert LLP during the March 2015 Philadelphia VIP Awards Ceremony and Reception where ACE was recognized as a finalist for the Justice William J. Brennan award. Back row, left to right: Nicola Port, Howard Schrader, Tom Wamser, Kevin Rampe and Carmen Romano Front row, left to right: Adrienne Logan, Carrie L. Davis, Kim Takacs and John Young. Right: ACE NA Office of General Counsel attorneys Pat Cummings and Viola McBride with a SeniorLAW Center client.

9 Purpose-Driven Employees Make a Difference

Peace of mind for purpose-driven lives. endowment fund, and the interest limited geographically in that respect. hat phrase is displayed on from that fund is donated to nonprofit The GFA supports underage drink- GuideOne’s blog website, groups sponsoring events that support ing prevention awareness programs, TGuideOne Connections the Foundation’s cause. specifically, post proms, D.A.R.E (www.guideoneconnections.com), and A group of GuideOne employ- programs and church lock-ins. The purpose-driven certainly describes the ees from all areas of the company committee partners with these pro- mindset of GuideOne’s employees. make up the GuideOne Foundation grams and sponsors certain events that Every year during a week-long Employee Advisory Committee (GFA), are held in order to spread the word Charitable Giving Campaign at which is responsible for directing about the effects of underage drinking. GuideOne Insurance, employees can the giving of the interest from the A few examples of new opportunities choose to make a one-time donation endowment to nonprofit organiza- include: or donate a portion of each paycheck tions or events that promote the • Megan Meier Foundation — pro- to either United Way or the GuideOne education, health, safety or overall moting awareness, education and Foundation. The Foundation supports welfare of young people in grades positive change in response to the many local, national and interna- K-12. Although many of the group’s issues surrounding bullying, cyber- tional causes that are most important grants are employee-driven, several bullying and suicide. to GuideOne’s customers, by making individuals on the committee are • Orchard Place — providing a cor- a positive impact on the communi- dedicated to actively seeking new nerstone of mental health services ties of GuideOne policyholders, their opportunities within GuideOne for children including residential, ministries and charitable causes. communities. The GFA supports orga- outpatient, in-home and care coor- The donations that are made to the nizations in the communities where dination programs, serving nearly GuideOne Foundation go into an the company does business, but is not 10,000 children annually.

Photos: GuideOne Insurance.

10 Left: Students pose for a silly photo at their post prom event. Above: Members of the GFA Committee, from L to R, Heather McCauley, Melinda Sinnott, Billie Jo Watson, Dave Hight, Alexa Guessford, Lisa Gull and Annette Jorden Williams.

• Teen Challenge — designed to help consequences for anyone who attempts 9,830 children and youth. individuals learn how to have a to drive while under the influence Oftentimes, individuals who give personal relationship with a higher of alcohol. The kits are oftentimes aren’t always able to see where their power, and in turn, live drug-free requested by school districts providing money is going; however, Orchard lives. post prom parties for their students, Place allowed the GFA to witness its Just this year, the committee as underage drinking is such a great donation first hand. Through Orchard donated funds to over 33 post prom concern in our society. According to Place’s 12th annual Spelling Bee, the celebrations, five after graduation par- the Centers for Disease Control and GFA was able to help the organization ties, and three foundations and/or Prevention, alcohol is the most com- raise nearly $75,000 for summer pro- nonprofit organizations. monly used and abused drug among gramming for Iowa’s youth. A special To keep with GuideOne’s tradition youth in the U.S., and is responsible attribute of the Bee is Orchard Place’s of supporting underage drinking pre- for more than 4,300 annual deaths. It ability to keep expenses extremely vention, the GFA loans drunk driving is GuideOne’s hope, through the use of low, allowing for more than 90 per- goggles to those who request donations the goggles, that students can witness cent of the revenue generated to to be used at events. These goggles the effects of alcohol and ultimately directly benefit the children served. simulate a Blood Alcohol Content level choose to abstain. The expansion of support to all of .17 and demonstrate how quickly Through these donations, the nonprofits benefitting students has impairment can turn into devastating GFA is helping nonprofit organiza- been an easy and natural fit for the tions all over central Iowa make a committee and for GuideOne. By difference and see their mission come nurturing and supporting these types to life. Orchard Place, a charity that of organizations, GuideOne is able to

Volunteers clown around at a recent provides mental health treatment fully endorse its mission of making a event to benefit the Megan Meier and expertise for Iowa’s kids, was difference in society by advancing the one of the first nonprofits the com- ministries and causes of its customers, Foundation. mittee donated to this fiscal year. In as well as creating lasting relationships 2014, Orchard Place provided care to with the community. n

11 “Always Here to Help” the People of Hawaii for 75 Years

rior to World War II, Hawaii Tokioka founded Island Insurance and consecutive years. Island’s success over was a territory with a large opened its doors in 1940 so that local the past 75 years has been built on Ppopulation of Asian immi- residents and new immigrants would its philosophy of being Always Here to grants who worked at the sugar and have fair access to affordable insurance Help its customers and Hawaii’s com- pineapple plantations that served as the for their growing homes and businesses. munities. heart of the island economy. As these It is that mission to help others that In 2003, Island’s guiding philoso- new immigrants and their children inspired the company’s motto of being phy drove the establishment of its worked diligently to get ahead, many Always Here to Help. charitable arm, the Island Insurance struggled to find affordable insurance Today, Island Insurance is Hawaii’s Foundation, as a way to provide a for their homes and businesses from largest locally-owned property & casu- more consistent source of funding the established insurers of that period. alty insurance company and has been for worthy nonprofit efforts through- Realizing that insurance was a critical recognized as one of the Ward Group’s out Hawaii. Over the years, Island element that families and businesses Top 50 P&C insurers in the nation for Insurance has contributed $15 mil- needed in order to become financially seven consecutive years and one of lion to the Foundation to enable it to secure, local businessman Masayuki Hawaii’s Best Places to Work for nine support hundreds of nonprofit organi- zations and worthy causes throughout Photos: Island Insurance Company. Hawaii. A hallmark initiative of the Island Insurance Foundation was the cre- ation of the annual Masayuki Tokioka Excellence in School Leadership Award, which was named to honor the Island Insurance founder, a proud public school graduate. This award recognizes outstanding public school principals through highlighting their many achievements while inspiring others

Principal Janice Espiritu of Kaunakakai Elementary School on the island of Molokai (center) accepts her $25,000 award with Island Insurance Foundation President, Tyler Tokioka (left) and former Hawaii Department of Education Superintendent Patricia Hamamoto (right).

12 Island Insurance Company’s Halloween Magic event for the children at the Kapiolani Medical Center for Women and Children is an annual event held for nearly 15 years.

to assume leadership roles in public The awards to the winning pub- Technology, Engineering and Math) education. lic school principals are truly able to curriculum and build a greenhouse for This novel program awards make a difference in their schools its students. one Hawaii public school principal and communities. One notable As the school-wide projects gained $25,000, which is used primarily for a example is Principal Janice Espiritu momentum, the teachers and students school improvement project of their of Kaunakakai Elementary School on looked to apply their new knowledge choice, in addition to a personal cash the island of Molokai. Starting with a to leverage an even greater impact award component. Two semi-finalists renewable energy initiative, the school across the island. Their enthusiasm receive a $2,500 personal cash award installed a photovoltaic system which initiated the ambitious “Molokai and all nominees receive a $1,000 gift significantly reduced the school’s CFL project” or “Go Green, Carbon and recognition for their outstand- energy costs. This not only became Clean” project. Partnering with a local ing service and dedication. Currently an important teaching tool for stu- clean energy nonprofit organization, in its 11th year, the Foundation has dents to learn about the various areas compact fluorescent light bulbs were expended $500,000 to underwrite this of conservation, the school was then distributed to residents and businesses award program. able to expand its S.T.E.M. (Science, continued on page 24

13 Celebrating 100 Years of Serving Maryland

14 o celebrate the 100th anni- the VolunCheer Program. “When we launched the Bridge versary of its founding in The Bridge to the Future Grants to the Future Grants Program, we were T 1914, Chesapeake Employers’ Program was created in the summer expecting to award $100,000 in Insurance Company, Maryland’s larg- of 2014 to support Maryland-based grants,” said Tom Phelan, President est provider of workers’ compensation charitable organizations that pro- and CEO of Chesapeake Employers’ insurance, developed a year-long vide human services and develop the Insurance Company. “As the applica- program dedicated to increased com- employability skills of their clients. tions for well-qualified nonprofits munity outreach to strengthen the In December 2014, Chesapeake poured in, we recognized the great economic vitality of Maryland’s com- Employers awarded 23 first-place need across the state and the impor- munities. Initiatives that went above grants totaling $115,000 to various tant work of the first-place recipients and beyond its already robust commu- nonprofit, human service organiza- to prepare deserving persons for mean- nity relations program included the tions across Maryland. Each first-place ingful employment.” Bridge to the Future Grants Program and grant recipient received $5,000. A first-place grant recipient, Youth

Photos: Chesapeake Employers’ Insurance Company.

Opposite page: As part of Chesapeake’s 100th anniversary celebration, 100 employees who VolunCheered in the community formed a giant heart, which was photographed from a flying drone. Above: Chesapeake employees volunteer at The Franciscan Center, an outreach center in Baltimore, Maryland.

15 as Resources, is a youth-led grant mak- Grants had to be matched one-to-one and provides ongoing opportunities ing organization that helps youth by the recipient organization. for employees to volunteer their time. address the problems associated with liv- Caring for Marylanders is some- The company’s Charitable ing in poverty in Baltimore. Toni Grace, thing employees are passionate Contributions Committee, comprised the organization’s board chairperson, about doing. That’s why Chesapeake of employees who volunteer their said the money Chesapeake Employers’ Employers developed the VolunCheer time to plan fundraisers, collections provided will go to good use. “Your sup- Program, an enhanced volunteer pro- and award grant money, reported port is deeply appreciated as it provides gram for employees to participate in and that many co-workers turned out in the resources we need to offer employ- “cheer on” deserving nonprofit orga- 2014 and 2015 to give back to the ment and skill-building opportunities nizations. Employees volunteered their community. to YAR youth and young adults,” said time and talents individually, as part of While Chesapeake Employers Grace. a company team or as a department. supports many charities, five organi- Caroline Center, a nonprofit orga- Employees could volunteer an zations in particular receive ongoing nization that educates underserved unlimited number of paid hours volunteer and financial support from women for careers in the healthcare during work time at 16 charitable employees. They include: industry, also received a $5,000 Bridge organizations designated by the com- • Kids’ Chance of Maryland, a to the Future grant. Sister Patricia pany. This was in addition to the 12 nonprofit organization that pro- McLaughlin, Executive Director, said, hours per year of paid time employees vides scholarships to children of “Your generosity contributes to our received to volunteer at a charitable Maryland’s catastrophically or fatal- mission to assist capable, deserving 501(c)(3) organization of their choice. ly injured workers; women in Baltimore in taking the first “Through these initiatives, we • Franciscan Center, a Baltimore- step away from poverty and toward honored the people, communities based emergency outreach center; meaningful employment.” and businesses in Maryland that have • Big Brothers Big Sisters, an orga- Additional grants totaling $24,000 helped make Chesapeake Employers nization that matches qualified were awarded to 45 runner-ups of the successful,” said Phelan. “I am proud volunteers with children to create Bridge to the Future Grants Program. to lead a company comprised of pro- mentoring relationships; Each runner-up received a grant fessionals who dedicate themselves to • Maryland Charity Campaign, the between $300 and $1,000. service, protection, workplace safety state-sponsored fundraising initia- “There are so many deserving and helping injured workers.” tive for local and national charities. nonprofits in Maryland that we just A VolunCheer video and a video • United Way of Central Maryland. couldn’t turn any of them away empty about the company’s 100-year his- Members of Chesapeake handed,” said Phelan. “We made more tory are proudly displayed on Employers’ Charitable Contributions money available to the grant program the company’s YouTube channel Committee also awarded grant money so the runner-ups received grants to https://www.youtube.com/channel/ and matching funds to nonprofit help them fulfill their missions, too.” UCLoMMZ0thOG7qGENDec0zLQ. organizations throughout Maryland All the grant winners are featured On an ongoing basis, the com- that support children’s health and on Chesapeake Employers’ microsite at munity can count on Chesapeake education; safety in the workplace and www.chesapeakebridgegrants.com. Employers to provide volunteers, home; and relief for medical, environ- The grants were awarded to assistance and leadership. At the mental or natural disasters. support a range of efforts such as center of the company’s efforts is Chesapeake Employers was hon- fundraising, strategic planning, staff the Chesapeake Employers & You ored with the Business Philanthropy development, volunteer recruitment Charitable Program. The company- Award for a mid-size company for and management, outcome tracking wide program includes grants, outstanding commitment to com- and analysis of program effectiveness. matching donations, collections and munity service. The award was Registered 501(c)(3) human service volunteer hours. The program ensures presented by the Maryland Chamber organizations headquartered or operat- funds and support remain consistent of Commerce and the Baltimore ing in Maryland were eligible to apply. with the company’s values and goals, Business Journal in 2013. n

16 Building More Resilient Communities

s a signature sponsor of the mon disaster in the U.S.: home fires. responds to annually, more than 94 American Red Cross’s “Home Through their support and efforts, the percent are home fires. AFire Preparedness Campaign,” aim is to decrease deaths and injuries This program dovetailed perfectly the Swiss Re Foundation and Swiss from home fires by as much as 25 per- with Swiss Re Americas’ Charity of Re employees are part of an unprec- cent over five years. the Year program focusing on build- edented, nationwide effort to combine Each year we hear of devastating ing societal resilience. The objective of new technology and innovation with fires that destroy homes, tear apart the initiative is to support projects in old-fashioned neighbor-to-neighbor families and stress local communi- the U.S. that help communities, and outreach to confront the most com- ties. Of the 70,000 disasters the ARC the people who live in them, rebound Photos: Swiss Re.

Swiss Re New York City colleagues partner up with the American Red Cross at their Community Day.

17 Volunteers from Swiss Re’s New York City office rebuild homes damaged by Hurricane Sandy, including installing fire- safe materials.

more quickly from catastrophes. These unteer fireman. “Many of these events residence for over two years now and catastrophes can be natural, health- can be prevented or mitigated through were able to come back to a much related or financial catastrophes. education and preparation. I see it safer home thanks to the hard work As a signature sponsor of the very often in my other career as a vol- and compassion of Swiss Re employ- ARC’s campaign, Swiss Re employees unteer firefighter in Putnam Valley, ees and the generosity of the Swiss Re participated by conducting door- New York. Public and private part- Foundation. Rebuilding homes using to-door smoke alarm canvassing nerships can make a difference and fire prevention techniques is putting and completing home safety check- reduce the devastating impact of fire.” an investment in the safety and well- lists in vulnerable neighborhoods. A place where Swiss Re’s work being of everyone in the face of a Additionally, each office has been really struck home was finding out disaster. encouraging employees to participate that the recovery from Hurricane Swiss Re employees also partici- in various activities, fundraisers and Sandy is still happening years after pated in the ARC’s national program disaster preparedness trainings. the disaster struck in October 2012. Ready When the Time Comes (RWTC) So far, this national campaign has Swiss Re’s New York City office joined training, allowing the ARC to recruit already saved 13 documented lives by ARC in the efforts to rebuild homes and train disaster relief volunteers installing fire alarms in homes that in Sheepshead Bay in Brooklyn, that can be mobilized as a commu- were caught in a fire afterwards. New York, by using fire prevention nity-based volunteer force when “I am proud of Swiss Re and its techniques. Volunteers installed disasters strike. In addition, Swiss Re employees taking on the challenge fire-resistant insulation and fire- employees attended First Aid/CPR of building resilient communities safe dry-walls, rolling out insulation trainings to be able to provide basic through fire safety and prevention in high up in an attic, while others treatment to injured people when on partnership with the American Red were hanging walls in basement and RWTC call. Part of the training pro- Cross,” said Swiss Re’s Greg Schiffer, entryways of damaged homes. These gram also included the “Operations Head of Global Engineering and vol- homeowners have been without a Hope Seminar,” conducted by HOPE

18 Coalition America (HCA), a part- and assembled over 1,000 “Totes of American Red Cross Greater New York ner of the ARC, on how to prepare Hope,” which are given to veterans in Area. “Swiss Re is a tremendous part- financially for a man-made and local care facilities and children dis- ner that provides both. Their support natural disaster. The aim is to intro- placed by home fires. These comfort and commitment to our mission helps duce employees to effective Disaster bags contain personal care items and the Red Cross provide compassion- Financial Preparedness tools, i.e. the toys for children. The Building More ate assistance to those who need it Emergency Financial First Aid Kit and Resilient Communities efforts are most.” Swiss Re has a long tradition the Personal Disaster Preparedness also supported by ongoing financial of contributing to society beyond its Guide, which are designed to help donations by employees and vari- business. The Swiss Re Foundation individuals and families at all income ous fundraisers throughout the year, empowers communities to build resil- levels collect and secure for themselves which will be matched by the Swiss Re ience in the areas of water, climate, critical documents and informa- Foundation. The Foundation and Swiss natural hazards and other topics tion. The knowledge gained in the Re employees are proud of the effort in relevant to society. You can find out Operations Hope Seminar will building more resilient communities. more about the Swiss Re Foundation at assist Swiss Re employees in reaching “The American Red Cross relies on www.swissrefoundation.org n out to communities to build societal generous donations and selfless vol- resilience. unteers to carry out our humanitarian Various Swiss Re offices partici- mission.” said David Sobel, Corporate Swiss Re Armonk employees assem- pated in hosting blood drive events and Foundation Partnerships of the bling “Totes for Hope” bags.

19 Cheers for Independent Agents Come from the Heart

avis Pearl has the look of after her charming English-bulldog dogs, the people at Rich & Cartmill someone you can talk to charm — are ready to stand in with are involved in fundraising efforts Measily: a kind face (even their quiet demeanor, ears made for for the Joy in the Cause Company or though it’s a bit droopy) and under- listening and soft bodies meant for the annual Christmas gift drive for standing eyes. And she’ll let you hugging. children at a local special education scratch her behind the ears. Her trade- Helping to groom those stuffed school. They simply like to do good. mark color is pink — she’ll dress up dogs for giving joy are the employees Independent insurance agencies in a pink tutu, cape, wig, grass skirt, of Rich & Cartmill, an independent with a passion for volunteerism, like flamboyant bow, or anything that insurance agency in Tulsa, Oklahoma. Rich & Cartmill, make their communi- adds a bit of color and flare to the For three years, they have prepped the ties stronger. This desire that agents sterile atmosphere of the hospitals and Mavis Pearl models with decorations have to make a difference is what medical clinics she visits. and costumes for the Joy in the Cause inspired Safeco Insurance to develop As a well-known certified therapy Company, which is mission-driven to the Make More Happen Program. dog in Tulsa, Oklahoma, Mavis Pearl provide meaningful acts of care and Through a year-long series of awards makes her way around to patients and compassion for those with life-alter- and contests, Safeco encourages, those with special needs on a frequent ing illness or special needs and their recognizes and celebrates the volun- basis. When she can’t be present, her families. teerism of independent agent partners look-alikes — stuffed dogs modeled When they are not decorating and honors their community commit- ment with donations to the charities they support. “Independent insurance agencies are always there for their community, offering trusted advice and helping their customers protect what matters most,” says Jeff Ogard, vice president for Safeco Insurance Agency Relations. “They are also out in their community, often as behind-the-scenes champi- ons who coach, volunteer or serve in Photos: Safeco Insurance. a myriad of ways. Through the Make More Happen Program, Safeco shines a spotlight on agents who roll up their sleeves and get involved.” Each year, Safeco donates more than $400,000 to nonprofit organi- Zack Jacob, an agent with Thompson-Boerger Insurance in Park Hills, Kentucky, zations on behalf of approximately volunteers with the YMCA of Greater Cincinnati because of the positive impact 100 independent agent partners who the organization makes on children. are selected for a Make More Happen Award based on their volunteer

20 Avid volunteer Meredith McGrady (right), from Glenn Insurance Agency in Pulaski, Virginia, pauses during an annual fundraising gala with Judy Ison, director of the Fine Arts Center for the New River Valley, and past board president Gary Hancock.

efforts. Safeco also hosts three online they do in the community. contests that generate awareness for A new feature of the Make More Employees of Rich & Cartmill, an these agent heroes and the charities Happen Contest is marquee-like treat- independent insurance agency in they care about, plus Safeco provides ment of “cheers” left by site visitors Tulsa, Oklahoma, show off the stuffed unique resources for the agency and who want to share kudos and encour- Mavis Pearl dogs they decorated for nonprofit teams to promote what agement for the agents or charities. Joy in the Cause Company.

21 “After reading the stories about ager of Safeco’s Make More Happen The summer contest is open July 27 the generous spirit and community- Program. “So many people doing through August 17 and the fall round building attitude of the agency and good.” lasts October 26 through November 16. charity teams showcased in the con- The public is invited to partici- To vote or cheer, go to Safeco.com test, who wouldn’t want to cheer?” pate in the two Make More Happen and click on the Make More Happen asked Brenda Mann Harrison, man- Contests remaining for this year. ad on the home page. n

Here are a few cheers from the spring 2015 Make More Happen Contest and the stories that inspired them.

The cheer: “Meredith McGrady from The cheer: “For the community!” The cheer: “It is terrific to have such Glenn Insurance Agency is a wonderful wonderful support from the community. Todd Hensel, cheering for the team volunteer for the Fine Arts Center/NRV Susan Hencey has done an outstanding of Thompson-Boerger Insurance and and many other organizations in our job of spearheading the YFS Diamonds the YMCA of Greater Cincinnati community.” & Denim Dinner Theatre event. We love the staff of Western Dakota Judy Ison cheering for the team of The story: For almost 160 years, Insurors!” Glenn Insurance and the Fine Arts the YMCA of Greater Cincinnati has Center for the New River Valley been strengthening the community Connie Olson cheering for the team by addressing its most pressing of Western Dakota Insurors and The story: The Fine Arts Center needs, like helping to prepare Youth & Family Services for the New River Valley in Virginia students for success. One of the is part of Meredith McGrady’s past. Y’s youth development programs The story: When there are As the center’s new board president, focuses on early education and the economic challenges, a support she’s now a big part of its future. nurturing of cognitive and language network for children and families in For almost 40 years, the Fine Arts skills. Results have been positive: need is more important than ever. Center has carried out a mission 90 percent of the children test on Youth & Family Services (YFS) has of fostering and supporting visual track for kindergarten. Because of the been providing that vital support for and performance arts, along with real impact the Y makes on young 50 years across western South Dakota promoting an appreciation and children and the community, Zack through in-center and outreach understanding of art’s importance Jacob, an agent with Thompson- programs. And Western Dakota to the community. Through Boerger Insurance in Park Hills, Insurors has been a strong supporter educational programs, rotating Kentucky, became involved. By of YFS for many of those years. Gary exhibits, classes for adults and 2014, Jacob was appointed to the Larson, past president of Western children, lectures, performances and Board of Advisors and still continues Dakota Insurors, joined YFS’s board other offerings, the center impacts to volunteer in several ways. Other in 1994. Many Western Dakota lives in more than 10 counties. employees from Thompson-Boerger Insurors employees, such as Susan McGrady joined the center’s board Insurance donate time and money to Hencey, are long-time supporters in 2009 when her father, the owner support the YMCA’s mission. and remain actively involved. YFS of Glenn Insurance Agency in is proud of the strong community Pulaski, Virginia, encouraged her support and credits its success, in to help out in the community as a part, to the solid relationships it representative of the agency. has with schools, law enforcement, healthcare providers, service providers and others.

22 Creating a Sustainable Future

merican Family Insurance that achieve more than 90 percent Photo: American Family Insurance. pledges to protect the dreams diversion of waste from landfills are Aof its customers. To keep that considered acceptable in achieving commitment, the company has had zero waste. To help American Family the opportunity to achieve one of its achieve its objectives, in 2013 they own dreams: protecting the planet. became a founding member of the American Family has set its sights on United States Zero Waste Business achieving a zero waste future. Council (USZWBC). The USZWBC’s American Family has had a robust mission is to educate, inform and doc- American Family employees conducting recycling program in place since 1989 ument the performance of zero waste a waste audit with the city of Madison and a strategic sustainability plan in businesses using scientific methods recycling coordinator at the waste haul- place since 2007. It has made significant to help businesses and communities er’s material recovery facility. strides in increasing energy efficiency become more healthy and sustainable. and reducing its water footprint. But in This mission was a perfect fit with 2012, the company, and a small team of American Family’s objectives. pany’s national headquarters in persistent employees committed to sus- In addressing the waste system, Madison, Wisconsin. American Family tainability, took it to whole new level, it was discovered the heart of a zero partnered with the city of Madison, literally taking a deep dive into the waste program is found in two very which was just expanding its organics waste stream to find out just how much different components. First, there is a recycling pilot program to include a waste was being produced. required infrastructure for recycling. handful of companies in the city. One of the first things the group There needs to be bins for employees The city had partnered with the did was visit the waste hauling ven- to sort waste, a process to move the University of Wisconsin - Oshkosh, dor’s local material recovery facility. materials throughout a building and a which had a new dry anaerobic There they had the opportunity to way to measure it all. To address the digester for the pilot. This biodigester observe their landfill-bound waste latter part, a metrics project team was accepts all organic material in an spread out over the floor. “We were created to design a way to capture a oxygen-free environment and mixes horrified to see how poorly waste was diversion rate that accounted for all in microorganisms to aid in break- being sorted,” said Maggie Becker, their waste streams. ing it all down. For four weeks, the American Family Insurance zero The other half is change man- headquarters’ paper bags, apple cores, waste/organics project manager. agement. Behavioral changes do not coffee cups and leftover cake break “Although there were recycle bins always come easily. This dynamic was down in this chamber. At the end of throughout the facility being used, in play when so many recyclables were the cycle, this waste is turned into there was plenty of recyclable material in the landfill-bound waste — the infra- thick, nutrient-rich black dirt. As going into the landfill. We knew if we structure had been provided, but there those organics are being broken down, could remove both the food waste and had not been a strong enough empha- they produce methane gas, which is the recyclables from the pile we were sis on the education of staff. Thus, a collected, turned into electricity and staring at, we would be close to zero project team was created to handle zero sent out to the grid where it is used to waste.” From that day forward, they waste communications and education. power campus buildings and even the had a dream of a zero waste future. Finally, waste streams were composter itself. According to the Zero Waste addressed. A crucial waste stream in In addition to the work with International Alliance, businesses food waste was added at the com- continued on page 24

23 Hawaii employees are able to support wor- in costume, employees spend the continued from page 13 thy community endeavors of their afternoon at the hospital, helping choice and donate their personal the children choose their own cos- in the hopes they would switch from time serving on boards of nonprofit tume, have their picture taken and incandescent to CFL bulbs. In three organizations. participate in games, arts & crafts months, 96 percent of Molokai resi- A project that holds special and trick-or-treating. A heartwarming dents switched to CFL bulbs which significance to employees is the experience for all employees, it is the over the lifetime of the bulbs will Halloween Magic event to benefit smiles on their faces and the sound save an estimated $6.5 million, pre- the child patients at the Kapiolani of their laughter that assures employ- vent the use of 17 gigawatt-hours of Medical Center for Women and ees that each child had a fun and electricity and 24,000 barrels of oil Children. This annual event is a memorable holiday. reducing greenhouse pollution by company tradition held for nearly 15 The Island Insurance found- over 16,000 tons. What started as a years that employees eagerly antici- ing value of being Always Here to Help way for the school to become more pate and spend months planning. continues to be the heart of its orga- efficient and provide more learning Many of the child patients suffer nization. Whether it is through the opportunities for its students became from life-threatening or long-term services they provide to the families a catalyst for a number of green illnesses and therefore spend years if and businesses across Hawaii to the initiatives that benefited the entire not their lifetime at the hospital. Not numerous community support endeav- island of Molokai. being able to participate in the tra- ors, its mission of helping others Making this type of positive ditional holiday celebrations, Island remains a vital aspect of its company impact is also shared by the com- Insurance employees make sure these culture. For more information about pany’s employees. Through the children are still able to celebrate and Island Insurance visit its website at Island Insurance Employees Club, have a memorable holiday. Dressing www.islandinsurance.com. n

Sustainable Future projects on which we collaborated understand our customers’ perspec- continued from page 23 with other businesses. Because sus- tive and how we can play a role in tainable practices are often not their lives,” said Becker. “Finding a organics, American Family has exten- proprietary, companies are often way to keep waste out of the landfills sive recycling practices that prevent willing to share success stories, and is not an easy job, but at American plastic, glass, paper, metal, wood, we were willing to share ours.” She Family, it is part of our service to Styrofoam and used equipment from added, “This project is great for customers. We act as community ending up in landfills. Each waste highlighting the merits of transpar- stewards by working hard to keep stream is addressed individually ency and collaboration because waste garbage out of customers’ backyards.” to ensure they are doing as well as projects are inherently municipality Everyone has the opportunity they can. Each stream is examined driven and because there are not a lot to think about how sustainability through two lenses: infrastructure of zero waste companies out there.” drives innovation and what that and education. Is staff being provided In addition to working closely means to their own lives, schools, with the tools they need to prop- with the city of Madison and the communities, business organizations erly handle that waste stream? Are USZWBC, American Family has col- and overall well-being. American employees aware of how that waste laborated with other area businesses Family pledges to protect the dreams stream should be properly disposed? and nonprofits with similar goals. of its customers. This is done, in “One aspect of our zero waste They’ve worked especially close with part, by being an environmentally program that is particularly reward- food service, housekeeping and waste and socially responsible corporate ing is collaboration with others,” hauling vendors, without whom the citizen. It means doing the right said Beth Churchill, American Family goals would be out of reach. thing for the environment and the Insurance sustainability specialist. This kind of collaboration has community while staying financially “Some of our most exciting sus- another benefit, too. “By connect- strong — and keeping its promises to tainability progress has come from ing with our community, we better customers. n

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