November

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Big I New York and Big I Connecticut recently represented you at an important event that you might not know about – the Mid-America Insurance Conference.

Since 1934, the MAIC has annually brought together:

• Agents
  
• National and state Big I staff
  
• Carriers
• Insurance Services Office (ISO)
• International Risk Management Institute (IRMI)
• Consultants
• National Council on Compensation Insurance (NCCI)
• ACORD

Over the course of two days each November, participants discuss suggested additions and changes to ISO's, NCCI's, and ACORD's products. The agenda for the 2025 conference, held November 5 through 7 in Kansas City, Missouri, included 112 items from the current and previous years described in 228 pages.

Participants represent states that are members of the conference. Most member states are in the Midwest (hence the conference name.) However, they reach as far east as New York and Pennsylvania and as far west as Arizona and Wyoming. This year's event drew 38 participants in person and one virtually from NCCI.

The work done at this conference produces new and improved insurance products that better protect your clients. Some examples​:

• ISO Personal Auto endorsement PP 43 34 01 23, Delivery Network Driver Coverage, proposed by New York in 2018 and 2021, provides coverage for individuals who drive for app-based delivery services such as Uber Eats, GrubHub, and Instacart.
• ISO Personal Auto endorsement PP 43 32 01 23, Transportation Network Driver Physical Damage Deductible Coverage, proposed by New York in 2017, covers the difference between the insured's physical damage deductible and the deductible provided by the transportation network company (such as Uber or Lyft) for whom the insured is driving.
• ISO Commercial General Liability endorsement CG 20 42 12 19, Additional Insured—Automatic Status for Designated Operations, proposed by New York in 2018, provides automatic additional insured status to persons or organizations for which the named insured is performing certain operations described in the endorsement schedule. For example, if a building owner requires someone making deliveries to the building to cover them as an additional insured, this endorsement would automatically provide the coverage.
• ISO Commercial General Liability endorsement CG 20 44 12 19, Additional Insured—Vendors—Automatic Status When Required in Agreement, proposed by New York in 2016, provides additional insured status to a vendor of the named insured's product automatically whenever a contract requires the named insured to provide it.
• ISO Homeowners endorsement HO 06 69 03 22, Utility Line Expense Coverage, proposed by New York in 2016, covers damage to underground utility lines running underneath the named insured's property, along with related expenses.
• ISO Commercial General Liability endorsement CG 20 39 12 19, Additional Insured—Owners, Lessees or Contractors—Automatic Status When Required in Written Construction Agreement with You (Completed Operations), proposed by New York in 2015, provides automatic additional insured status regarding completed operations liability for anyone if the named insured has a contract requiring them to provide the coverage. This covers so-called “upstream" parties who are not direct parties to the contract.

Action on MAIC agenda items is not always fast. The oldest item on the 2025 agenda was first proposed in 2011. New York proposed four new items for ISO this year and one for ACORD and had eight unresolved items from prior years. Most New York agenda items came from research inquiries from Big I New York and Big I Connecticut members.

We urge you to tell us about product improvements you would like to see, either because you see coverage gaps or have actually had uninsured claims. Email your suggestions to Tim Dodge. Also, agents from member states are encouraged to attend the 2026 conference in Kansas City November 4 through 6.

Visit https://matcinsurance.com to learn more about this important event and how you can contribute.