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	<title>Comments for Agency Checklists</title>
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	<link>http://agencychecklists.com</link>
	<description>Insurance news, information and checklists for Massachusetts agents</description>
	<lastBuildDate>Thu, 17 May 2012 16:42:56 +0000</lastBuildDate>
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		<title>Comment on New Study Says Rate Regulatory Reforms in the Massachusetts Automobile Marketplace Have Been Beneficial by On Fourth Anniversary of Managed Competition, Auto Rates On The Rise &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/03/07/ircmassstudy/comment-page-1/#comment-5195</link>
		<dc:creator>On Fourth Anniversary of Managed Competition, Auto Rates On The Rise &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 17 May 2012 16:42:56 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=5313#comment-5195</guid>
		<description>[...] New Study Says Rate Regulatory Reforms in Massachusetts Automobile Marketplace Have Been Beneficial [...]</description>
		<content:encoded><![CDATA[<p>[...] New Study Says Rate Regulatory Reforms in Massachusetts Automobile Marketplace Have Been Beneficial [...]</p>
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		<title>Comment on Fixed Rate For Auto Commissions Expiring April 1, 2012 by On Fourth Anniversary of Managed Competition, Auto Rates On The Rise &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/03/30/agencyautocommissions/comment-page-1/#comment-5194</link>
		<dc:creator>On Fourth Anniversary of Managed Competition, Auto Rates On The Rise &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 17 May 2012 16:38:19 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=3694#comment-5194</guid>
		<description>[...] Fixed Rate Auto Commissions Expiring April 1, 2012 [...]</description>
		<content:encoded><![CDATA[<p>[...] Fixed Rate Auto Commissions Expiring April 1, 2012 [...]</p>
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		<title>Comment on Life After CAR: Retiring President Ralph Iannaco Talks About His Tenure at CAR and What Comes Next by DOI Answers MAIA Hearing Request With a June Date. &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2011/06/27/iannaco1/comment-page-1/#comment-5193</link>
		<dc:creator>DOI Answers MAIA Hearing Request With a June Date. &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 17 May 2012 15:08:24 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=1769#comment-5193</guid>
		<description>[...] Life After CAR: Retiring President Ralph Iannaco Talks About His Tenure at CAR and What Comes Next [...]</description>
		<content:encoded><![CDATA[<p>[...] Life After CAR: Retiring President Ralph Iannaco Talks About His Tenure at CAR and What Comes Next [...]</p>
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		<title>Comment on CAR Sends Proposed Changes to Rules of Operation to Commissioner Murphy by DOI Answers MAIA Hearing Request With a June Date. &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/05/03/car-sends-proposed-changes-to-rules-of-operation-to-commissioner-murphy/comment-page-1/#comment-5176</link>
		<dc:creator>DOI Answers MAIA Hearing Request With a June Date. &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 10 May 2012 16:28:54 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=6471#comment-5176</guid>
		<description>[...] to Article X of the CAR Plan of Operation.  The issue concerns the proposed modifications to Rules 28, 30 and 31  of the CAR Rules of Operations and which involve the [...]</description>
		<content:encoded><![CDATA[<p>[...] to Article X of the CAR Plan of Operation.  The issue concerns the proposed modifications to Rules 28, 30 and 31  of the CAR Rules of Operations and which involve the [...]</p>
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		<title>Comment on Commercial Insurance Prices Also Are On The Rise by Composite Rates for Commercial, Casualty and Professional Rates Up Three Percent in April &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/03/14/commprices2012/comment-page-1/#comment-5174</link>
		<dc:creator>Composite Rates for Commercial, Casualty and Professional Rates Up Three Percent in April &#124; Agency Checklists</dc:creator>
		<pubDate>Wed, 09 May 2012 14:59:08 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=5502#comment-5174</guid>
		<description>[...] Commercial Insurance Prices Also Are On The Rise [...]</description>
		<content:encoded><![CDATA[<p>[...] Commercial Insurance Prices Also Are On The Rise [...]</p>
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		<title>Comment on U.S Commercial Insurance Rates Expected To Rise in 2012 by Composite Rates for Commercial, Casualty and Professional Rates Up Three Percent in April &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/01/26/marsh2012report-uscommercialinsrates/comment-page-1/#comment-5172</link>
		<dc:creator>Composite Rates for Commercial, Casualty and Professional Rates Up Three Percent in April &#124; Agency Checklists</dc:creator>
		<pubDate>Tue, 08 May 2012 18:38:39 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=4205#comment-5172</guid>
		<description>[...] U.S. Commercial Rates Expected to Rise in 2012 [...]</description>
		<content:encoded><![CDATA[<p>[...] U.S. Commercial Rates Expected to Rise in 2012 [...]</p>
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		<title>Comment on Industry Voices Speak Out About Proposed Rate Increases for Worker&#8217;s Compensation Insurance by Worker's Compensation Insurance Rate Filing Dominates May Hearings Schedule at the Division of Insurance &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/04/04/wcribratehearing/comment-page-1/#comment-5160</link>
		<dc:creator>Worker's Compensation Insurance Rate Filing Dominates May Hearings Schedule at the Division of Insurance &#124; Agency Checklists</dc:creator>
		<pubDate>Wed, 02 May 2012 16:18:22 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=5892#comment-5160</guid>
		<description>[...] The following is a list of hearings that The Massachusetts Division of Insurance will be holding during the month of May. As made obvious by the May schedule, the Worker&#8217;s Compensation Insurance Rate Filing will dominate the docket this month. On March 30, 2012 the DOI held a public hearing on the proposed rates increases filed by the Worker&amp;... [...]</description>
		<content:encoded><![CDATA[<p>[...] The following is a list of hearings that The Massachusetts Division of Insurance will be holding during the month of May. As made obvious by the May schedule, the Worker&#8217;s Compensation Insurance Rate Filing will dominate the docket this month. On March 30, 2012 the DOI held a public hearing on the proposed rates increases filed by the Worker&amp;&#8230; [...]</p>
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		<title>Comment on A Checklist Regarding Agent to Agency Loans by Bob Dowling</title>
		<link>http://agencychecklists.com/checklists/loanchecklist/comment-page-1/#comment-5132</link>
		<dc:creator>Bob Dowling</dc:creator>
		<pubDate>Fri, 27 Apr 2012 17:24:40 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?page_id=1142#comment-5132</guid>
		<description>Just back from Fl. Very impressed with the content of the CHECKLISTS. Does it generate inquiries?</description>
		<content:encoded><![CDATA[<p>Just back from Fl. Very impressed with the content of the CHECKLISTS. Does it generate inquiries?</p>
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		<title>Comment on Complaint Ratios for the Top 25 Homeowner&#8217;s Insurance Companies &amp; The Mass Fair Plan by Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/02/16/homeratios/comment-page-1/#comment-5124</link>
		<dc:creator>Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 20:42:43 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=4819#comment-5124</guid>
		<description>[...] Complaint Ratios For The Top 25 Homeowner&#8217;s Insurance Companies &amp; The Mass FAIR Plan [...]</description>
		<content:encoded><![CDATA[<p>[...] Complaint Ratios For The Top 25 Homeowner&#8217;s Insurance Companies &amp; The Mass FAIR Plan [...]</p>
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		<title>Comment on The Top Five Consumer Complaints in Massachusetts for 2011 by Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/03/20/the-top-five-consumer-complaints-in-massachusetts-for-2011/comment-page-1/#comment-5123</link>
		<dc:creator>Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 20:41:47 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=5671#comment-5123</guid>
		<description>[...] The Top Five Consumer Complaints in Massachusetts for 2011 [...]</description>
		<content:encoded><![CDATA[<p>[...] The Top Five Consumer Complaints in Massachusetts for 2011 [...]</p>
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		<title>Comment on Complaint Ratios for The Top 20 Private Passenger Automobile Insurance Companies in Massachusetts by Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/02/15/autoratios/comment-page-1/#comment-5122</link>
		<dc:creator>Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 20:41:29 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=4785#comment-5122</guid>
		<description>[...] Complaint Ratios For The Top 20 Private Passenger Automobile Insurance Companies in Massachusetts [...]</description>
		<content:encoded><![CDATA[<p>[...] Complaint Ratios For The Top 20 Private Passenger Automobile Insurance Companies in Massachusetts [...]</p>
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		<title>Comment on The Top 10 Homeowner&#8217;s Multi-Peril Insurance Companies in Massachusetts by Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/01/20/top10homeinscos/comment-page-1/#comment-5121</link>
		<dc:creator>Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 20:40:16 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=4066#comment-5121</guid>
		<description>[...] The Top Ten Homeowner&#8217;s Multi-Peril Insurance Companies in Massachusetts [...]</description>
		<content:encoded><![CDATA[<p>[...] The Top Ten Homeowner&#8217;s Multi-Peril Insurance Companies in Massachusetts [...]</p>
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		<title>Comment on The Top Ten Auto Insurance Companies in Massachusetts by Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2011/12/16/toptenauto/comment-page-1/#comment-5120</link>
		<dc:creator>Arbella Insurance Group Honored Again As One of The Best Places To Work in Boston &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 20:16:33 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=3718#comment-5120</guid>
		<description>[...] The Top Ten Auto Insurance Companies in Massachusetts [...]</description>
		<content:encoded><![CDATA[<p>[...] The Top Ten Auto Insurance Companies in Massachusetts [...]</p>
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		<title>Comment on An Easy, Affordable and Annual Opportunity for Agents to Connect with Their Auto Insurance Clients by Secretary Nee Gets His "Veteran" Drivers License &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2011/09/12/lowlottery/comment-page-1/#comment-5119</link>
		<dc:creator>Secretary Nee Gets His "Veteran" Drivers License &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 18:30:17 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=2699#comment-5119</guid>
		<description>[...] An Easy, Afforaable and Annual Opportunity for Agents to Connect with Their Auto Insurance Clients [...]</description>
		<content:encoded><![CDATA[<p>[...] An Easy, Afforaable and Annual Opportunity for Agents to Connect with Their Auto Insurance Clients [...]</p>
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		<title>Comment on New Free Designation For MA Veterans by Secretary Nee Gets His "Veteran" Drivers License &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2011/11/10/veterans/comment-page-1/#comment-5118</link>
		<dc:creator>Secretary Nee Gets His "Veteran" Drivers License &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 18:29:59 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=3254#comment-5118</guid>
		<description>[...] As of 2012, veterans like Secretary Nee, can have the word &#8220;Veteran&#8221; appear on either their Massachusetts driver&#8217;s license or ID in addition to their license plate. This new option for Veterans was first announced in November 2011 by Lieutenant Governor Timothy Mur... [...]</description>
		<content:encoded><![CDATA[<p>[...] As of 2012, veterans like Secretary Nee, can have the word &#8220;Veteran&#8221; appear on either their Massachusetts driver&#8217;s license or ID in addition to their license plate. This new option for Veterans was first announced in November 2011 by Lieutenant Governor Timothy Mur&#8230; [...]</p>
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		<title>Comment on National Insurance Crime Bureau Reports a 19 Percent Rise in Questionable Claims for 2011 by A Look At Insurance Fraud in Massachusetts During 2011 &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/02/29/ncib-2011qcreport/comment-page-1/#comment-5117</link>
		<dc:creator>A Look At Insurance Fraud in Massachusetts During 2011 &#124; Agency Checklists</dc:creator>
		<pubDate>Thu, 26 Apr 2012 17:13:28 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=4991#comment-5117</guid>
		<description>[...] National Insurance Crime Bureau Reports a 19 Percent Rise in Questionable Claims for 2011 [...]</description>
		<content:encoded><![CDATA[<p>[...] National Insurance Crime Bureau Reports a 19 Percent Rise in Questionable Claims for 2011 [...]</p>
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		<title>Comment on Waltham Man Indicted on Fraudulent Unemployment and Insurance Claims Totalling $40,000 by The Insurance Fraud Bureau's Latest Updates on Fraud in Massachusetts &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2011/01/31/walthamman/comment-page-1/#comment-5099</link>
		<dc:creator>The Insurance Fraud Bureau's Latest Updates on Fraud in Massachusetts &#124; Agency Checklists</dc:creator>
		<pubDate>Tue, 24 Apr 2012 18:51:46 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=470#comment-5099</guid>
		<description>[...] Case Update:Waltham Man Indicted on Fraudulent Unemployment and Insurance Claims Totalling $40,000 [...]</description>
		<content:encoded><![CDATA[<p>[...] Case Update:Waltham Man Indicted on Fraudulent Unemployment and Insurance Claims Totalling $40,000 [...]</p>
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		<title>Comment on Guilty Pleas for Felony Premium Fraud in Misclassifying Workers as Independent Contractors by The Insurance Fraud Bureau's Latest Updates on Fraud in Massachusetts &#124; Agency Checklists</title>
		<link>http://agencychecklists.com/2012/01/17/another-construction-company-and-its-officers-plead-guilty-to-workmens-compensation-premium-fraud-arising-out-of-misclassifying-workers-as-independent-contractors/comment-page-1/#comment-5098</link>
		<dc:creator>The Insurance Fraud Bureau's Latest Updates on Fraud in Massachusetts &#124; Agency Checklists</dc:creator>
		<pubDate>Tue, 24 Apr 2012 18:20:26 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=4000#comment-5098</guid>
		<description>[...] Case Update: Guilty Pleas for Felony Premium Fraud in Misclassifying Workers as Independent Contractors [...]</description>
		<content:encoded><![CDATA[<p>[...] Case Update: Guilty Pleas for Felony Premium Fraud in Misclassifying Workers as Independent Contractors [...]</p>
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		<title>Comment on If You Could Ask The RMV One Thing, What Would It Be? Here&#8217;s Your Chance. by Steve Palenscar</title>
		<link>http://agencychecklists.com/2012/04/10/rmvqarequest/comment-page-1/#comment-5072</link>
		<dc:creator>Steve Palenscar</dc:creator>
		<pubDate>Thu, 12 Apr 2012 18:03:27 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=5770#comment-5072</guid>
		<description>Per 2010 email from MAIA: AMICA has been included in auto registration renewals since early 2008. The state receives no dollars from this. The state has an outside vendor which mails the renewals. The state allows the vendor to sell limited advertising to go in the envelope with the renewal. Any profit, after the cost of the mailings, go to the vendor. AMICA has a two year contract which expires early next year. The vendor will then put the “auto insurance insert” out to bid.  MAIA had an ad included in the registration renewal for six months in 2008, advertising independent agents.</description>
		<content:encoded><![CDATA[<p>Per 2010 email from MAIA: AMICA has been included in auto registration renewals since early 2008. The state receives no dollars from this. The state has an outside vendor which mails the renewals. The state allows the vendor to sell limited advertising to go in the envelope with the renewal. Any profit, after the cost of the mailings, go to the vendor. AMICA has a two year contract which expires early next year. The vendor will then put the “auto insurance insert” out to bid.  MAIA had an ad included in the registration renewal for six months in 2008, advertising independent agents.</p>
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		<title>Comment on If You Could Ask The RMV One Thing, What Would It Be? Here&#8217;s Your Chance. by Agency Checklists</title>
		<link>http://agencychecklists.com/2012/04/10/rmvqarequest/comment-page-1/#comment-5068</link>
		<dc:creator>Agency Checklists</dc:creator>
		<pubDate>Tue, 10 Apr 2012 16:00:58 +0000</pubDate>
		<guid isPermaLink="false">http://agencychecklists.com/?p=5770#comment-5068</guid>
		<description>This question came via email from John Gallagher of The John C. Gallagher Insurance Agency: 

&quot;I don&#039;t have any particular issues with the Registry; however, we use the UMS system for rating, which indicates the date first licensed in Massachusetts.  If the Registry could provide the date first licensed outside of Massachusetts, as well as in state, it would allow more accurate rating at policy inception and enable us to offer lower, more affordable, down payments.&quot;</description>
		<content:encoded><![CDATA[<p>This question came via email from John Gallagher of The John C. Gallagher Insurance Agency: </p>
<p>&#8220;I don&#8217;t have any particular issues with the Registry; however, we use the UMS system for rating, which indicates the date first licensed in Massachusetts.  If the Registry could provide the date first licensed outside of Massachusetts, as well as in state, it would allow more accurate rating at policy inception and enable us to offer lower, more affordable, down payments.&#8221;</p>
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