<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML+RDFa 1.0//EN" "https://www.w3.org/MarkUp/DTD/xhtml-rdfa-1.dtd">
<html xmlns="https://www.w3.org/1999/xhtml" xml:lang="en" version="XHTML+RDFa 1.0" dir="ltr"
  xmlns:og="https://ogp.me/ns#"
  xmlns:article="https://ogp.me/ns/article#"
  xmlns:book="https://ogp.me/ns/book#"
  xmlns:profile="https://ogp.me/ns/profile#"
  xmlns:video="https://ogp.me/ns/video#"
  xmlns:product="https://ogp.me/ns/product#"
  xmlns:content="https://purl.org/rss/1.0/modules/content/"
  xmlns:dc="https://purl.org/dc/terms/"
  xmlns:foaf="https://xmlns.com/foaf/0.1/"
  xmlns:rdfs="https://www.w3.org/2000/01/rdf-schema#"
  xmlns:sioc="https://rdfs.org/sioc/ns#"
  xmlns:sioct="https://rdfs.org/sioc/types#"
  xmlns:skos="https://www.w3.org/2004/02/skos/core#"
  xmlns:xsd="https://www.w3.org/2001/XMLSchema#">
<head profile="https://www.w3.org/1999/xhtml/vocab">
  <!--[if IE]><meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1" />
<![endif]--><meta charset="utf-8" />
<meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1" />
<script src="https://www.google.com/recaptcha/api.js?hl=en" async="async" defer="defer"></script>
<link rel="canonical" href="https://www.iii.org/" />
<link rel="shortlink" href="https://www.iii.org/" />
<meta property="fb:app_id" content="158171930694" />
<meta property="og:site_name" content="III" />
<meta property="og:type" content="website" />
<meta property="og:url" content="https://www.iii.org/" />
<meta property="og:title" content="III" />
<meta property="og:description" content="Improving public understanding of insurance-what it does and how it works" />
<meta property="og:image" content="https://www.iii.org/sites/default/files/images/insurance-information-institute-logo-share-sm.jpg" />
  <title>III | Improving public understanding of insurance-what it does and how it works</title>	
  <style type="text/css" media="all">
@import url("https://www.iii.org/modules/system/system.base.css?p34lep");
@import url("https://www.iii.org/modules/system/system.menus.css?p34lep");
@import url("https://www.iii.org/modules/system/system.messages.css?p34lep");
@import url("https://www.iii.org/modules/system/system.theme.css?p34lep");
</style>
<style type="text/css" media="all">
@import url("https://www.iii.org/sites/all/modules/date/date_api/date.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/date/date_popup/themes/datepicker.1.7.css?p34lep");
@import url("https://www.iii.org/modules/field/theme/field.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/logintoboggan/logintoboggan.css?p34lep");
@import url("https://www.iii.org/modules/node/node.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/nylon_content_snapshot/nylon_content_snapshot.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/nylon_highlight_box/nylon_highlight_box.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/panels_mini_ipe/panels-mini-ipe.css?p34lep");
@import url("https://www.iii.org/modules/search/search.css?p34lep");
@import url("https://www.iii.org/modules/user/user.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/views/css/views.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/media/modules/media_wysiwyg/css/media_wysiwyg.base.css?p34lep");
</style>
<style type="text/css" media="all">
@import url("https://www.iii.org/sites/all/modules/nylon_reusable_content/plugins/nylon_reusable_content/nylon_reusable_content.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/colorbox/styles/default/colorbox_style.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/ctools/css/ctools.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/dhtml_menu/dhtml_menu.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/panels/css/panels.css?p34lep");
@import url("https://www.iii.org/sites/all/libraries/tablesorter/themes/blue/style.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/views_slideshow/views_slideshow.css?p34lep");
@import url("https://www.iii.org/sites/all/modules/wysiwyg_linebreaks/wysiwyg_linebreaks.css?p34lep");
</style>
<style type="text/css" media="all">
@import url("https://www.iii.org/sites/all/themes/iii_responsive/css/styles.css?p34lep");
@import url("https://www.iii.org/sites/all/themes/iii_responsive/js/jquery-ui-1.12.1.custom/jquery-ui.css?p34lep");
</style>
  <script type="text/javascript" src="https://www.iii.org/sites/default/files/js/js_9eyBAF7-qflFTlonJecw98Au8-bovz4TZ-prn_4lLuY.js"></script>
<script type="text/javascript" src="https://www.iii.org/sites/default/files/js/js__W_chftPceDwRH6JHJ5u9LmJAhJBdj9bsmupubiQKn8.js"></script>
<script type="text/javascript" src="https://www.iii.org/sites/default/files/js/js_Ndcck_-ssbcgVeDnfKaJ7-VlfkVTtpJFOoGIh_v2PQs.js"></script>
<script type="text/javascript">
<!--//--><![CDATA[//><!--
(function(i,s,o,g,r,a,m){i["GoogleAnalyticsObject"]=r;i[r]=i[r]||function(){(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)})(window,document,"script","//www.google-analytics.com/analytics.js","ga");ga("create", "UA-542962-2", {"cookieDomain":"auto"});ga("send", "pageview");
//--><!]]>
</script>
<script type="text/javascript">
<!--//--><![CDATA[//><!--
var addthis_config = {"data_track_addressbar":false};
//--><!]]>
</script>
<script type="text/javascript" src="https://s7.addthis.com/js/300/addthis_widget.js#pubid=iiiadministrator"></script>
<script type="text/javascript" src="https://www.iii.org/sites/default/files/js/js_w8gpdWYPIxpYsNMaIpzmBSFACQwOfXfvSr_ZZwlUsyo.js"></script>
<script type="text/javascript">
<!--//--><![CDATA[//><!--
jQuery.extend(Drupal.settings, {"basePath":"\/","pathPrefix":"","ajaxPageState":{"theme":"iii_responsive","theme_token":"wcLTpkAAjb2OwECRGi_V6UHtMBep0MyGPeTXQ8ok-uQ","js":{"sites\/all\/modules\/nylon_common_functions\/nylon_home.js":1,"sites\/all\/modules\/highlight\/js\/highlight.js":1,"sites\/all\/modules\/jquery_update\/replace\/jquery\/1.12\/jquery.min.js":1,"misc\/jquery.once.js":1,"misc\/drupal.js":1,"sites\/all\/modules\/nylon_reusable_content\/nylon_reusable_content.js":1,"sites\/all\/modules\/nylon_content_snapshot\/nylon_content_snapshot.js":1,"sites\/all\/modules\/nylon_editor_styles\/nylon_editor_styles.js":1,"sites\/all\/modules\/nylon_form_overrides\/nylon_form_overrides.js":1,"sites\/all\/modules\/nylon_members_news\/nylon_members_news.js":1,"sites\/all\/modules\/nylon_site_search\/nylon_site_search.js":1,"sites\/all\/modules\/tablesorter\/tablesortervar.js":1,"sites\/all\/libraries\/colorbox\/jquery.colorbox-min.js":1,"sites\/all\/modules\/colorbox\/js\/colorbox.js":1,"sites\/all\/modules\/colorbox\/styles\/default\/colorbox_style.js":1,"sites\/all\/modules\/dhtml_menu\/dhtml_menu.js":1,"sites\/all\/libraries\/tablesorter\/jquery.tablesorter.min.js":1,"sites\/all\/modules\/views_slideshow\/js\/views_slideshow.js":1,"sites\/all\/modules\/nylon_common_functions\/nylon_widget.js":1,"sites\/all\/modules\/captcha\/captcha.js":1,"sites\/all\/modules\/highlight\/js\/jquery.highlight.js":1,"sites\/all\/modules\/google_analytics\/googleanalytics.js":1,"0":1,"1":1,"https:\/\/s7.addthis.com\/js\/300\/addthis_widget.js#pubid=iiiadministrator":1,"sites\/all\/themes\/iii_responsive\/js\/jquery-ui-1.12.1.custom\/jquery-ui.js":1,"sites\/all\/themes\/iii_responsive\/js\/scripts.js":1},"css":{"modules\/system\/system.base.css":1,"modules\/system\/system.menus.css":1,"modules\/system\/system.messages.css":1,"modules\/system\/system.theme.css":1,"sites\/all\/modules\/date\/date_api\/date.css":1,"sites\/all\/modules\/date\/date_popup\/themes\/datepicker.1.7.css":1,"modules\/field\/theme\/field.css":1,"sites\/all\/modules\/logintoboggan\/logintoboggan.css":1,"modules\/node\/node.css":1,"sites\/all\/modules\/nylon_content_snapshot\/nylon_content_snapshot.css":1,"sites\/all\/modules\/nylon_highlight_box\/nylon_highlight_box.css":1,"sites\/all\/modules\/panels_mini_ipe\/panels-mini-ipe.css":1,"modules\/search\/search.css":1,"modules\/user\/user.css":1,"sites\/all\/modules\/views\/css\/views.css":1,"sites\/all\/modules\/media\/modules\/media_wysiwyg\/css\/media_wysiwyg.base.css":1,"sites\/all\/modules\/nylon_reusable_content\/plugins\/nylon_reusable_content\/nylon_reusable_content.css":1,"sites\/all\/modules\/colorbox\/styles\/default\/colorbox_style.css":1,"sites\/all\/modules\/ctools\/css\/ctools.css":1,"sites\/all\/modules\/dhtml_menu\/dhtml_menu.css":1,"sites\/all\/modules\/panels\/css\/panels.css":1,"sites\/all\/libraries\/tablesorter\/themes\/blue\/style.css":1,"sites\/all\/modules\/views_slideshow\/views_slideshow.css":1,"sites\/all\/modules\/wysiwyg_linebreaks\/wysiwyg_linebreaks.css":1,"sites\/all\/themes\/iii_responsive\/css\/styles.css":1,"sites\/all\/themes\/iii_responsive\/js\/jquery-ui-1.12.1.custom\/jquery-ui.css":1}},"colorbox":{"opacity":"0.85","current":"{current} of {total}","previous":"\u00ab Prev","next":"Next \u00bb","close":"Close","maxWidth":"98%","maxHeight":"98%","fixed":true,"mobiledetect":true,"mobiledevicewidth":"480px"},"dhtmlMenu":{"nav":"none","animation":{"effects":{"height":"height","opacity":"opacity","width":0},"speed":"500"},"effects":{"siblings":"none","children":"close-children","remember":"0"},"filter":{"type":"blacklist","list":{"main-menu":"main-menu","management":"management","menu-footer":"menu-footer","menu-lower-footer-links":"menu-lower-footer-links","navigation":"navigation","shortcut-set-1":"shortcut-set-1","user-menu":"user-menu","menu-connect":0,"menu-insurance-topics":0,"menu-members":0,"menu-press-room":0,"menu-publications":0,"menu-services":0}}},"urlIsAjaxTrusted":{"\/?platform=hootsuite":true},"highlight":{"area":"body","color":"yellow","textColor":"black","wordsonly":true,"patterns":"^.+[\u0026?]body_value=([^\u0026]+).*$","referrerPatterns":"^https:\/\/www\\.google\\.com.+[\u0026?]q=([^\u0026]+).*$\r\n^https:\/\/www\\.google\\.co\\.uk.+[\u0026?]q=([^\u0026]+).*$\r\n^https:\/\/search\\.yahoo\\.com.+[\u0026?]p=([^\u0026]+).*$\r\n^https:\/\/search\\.yahoo\\.co\\.uk.+[\u0026?]p=([^\u0026]+).*$\r\n^https:\/\/www\\.bing\\.com.+[\u0026?]q=([^\u0026]+).*$","stopwords":"a,about,above,above,across,after,afterwards,again,against,all,almost,alone,along,already,also,although,always,am,among,amongst,amoungst,amount,an,and,another,any,anyhow,anyone,anything,anyway,anywhere,are,around,as,at,back,be,became,because,become,becomes,becoming,been,before,beforehand,behind,being,below,beside,besides,between,beyond,bill,both,bottom,but,by,call,can,cannot,cant,co,con,could,couldnt,cry,de,describe,detail,do,done,down,due,during,each,eg,eight,either,eleven,else,elsewhere,empty,enough,etc,even,ever,every,everyone,everything,everywhere,except,few,fifteen,fify,fill,find,fire,first,five,for,former,formerly,forty,found,four,from,front,full,further,get,give,go,had,has,hasnt,have,he,hence,her,here,hereafter,hereby,herein,hereupon,hers,herself,him,himself,his,how,however,hundred,ie,if,in,inc,indeed,interest,into,is,it,its,itself,keep,last,latter,latterly,least,less,ltd,made,many,may,me,meanwhile,might,mill,mine,more,moreover,most,mostly,move,much,must,my,myself,name,namely,neither,never,nevertheless,next,nine,no,nobody,none,noone,nor,not,nothing,now,nowhere,of,off,often,on,once,one,only,onto,or,other,others,otherwise,our,ours,ourselves,out,over,own,part,per,perhaps,please,put,rather,re,same,see,seem,seemed,seeming,seems,serious,several,she,should,show,side,since,sincere,six,sixty,so,some,somehow,someone,something,sometime,sometimes,somewhere,still,such,system,take,ten,than,that,the,their,them,themselves,then,thence,there,thereafter,thereby,therefore,therein,thereupon,these,they,thickv,thin,third,this,those,though,three,through,throughout,thru,thus,to,together,too,top,toward,towards,twelve,twenty,two,un,under,until,up,upon,us,very,via,was,we,well,were,what,whatever,when,whence,whenever,where,whereafter,whereas,whereby,wherein,whereupon,wherever,whether,which,while,whither,who,whoever,whole,whom,whose,why,will,with,within,without,would,yet,you,your,yours,yourself,yourselves,the"},"googleanalytics":{"trackOutbound":1,"trackMailto":1,"trackDownload":1,"trackDownloadExtensions":"7z|aac|arc|arj|asf|asx|avi|bin|csv|doc(x|m)?|dot(x|m)?|exe|flv|gif|gz|gzip|hqx|jar|jpe?g|js|mp(2|3|4|e?g)|mov(ie)?|msi|msp|pdf|phps|png|ppt(x|m)?|pot(x|m)?|pps(x|m)?|ppam|sld(x|m)?|thmx|qtm?|ra(m|r)?|sea|sit|tar|tgz|torrent|txt|wav|wma|wmv|wpd|xls(x|m|b)?|xlt(x|m)|xlam|xml|z|zip","trackColorbox":1}});
//--><!]]>
</script>
  	
	    <!-- TypeKit --> 
    <script>
      (function(d) {
        var config = {
          kitId: 'uvh3wjn',
          scriptTimeout: 100,
          async: true
        },
        h=d.documentElement,t=setTimeout(function(){h.className=h.className.replace(/\bwf-loading\b/g,"")+" wf-inactive";},config.scriptTimeout),tk=d.createElement("script"),f=false,s=d.getElementsByTagName("script")[0],a;h.className+=" wf-loading";tk.src='https://use.typekit.net/'+config.kitId+'.js';tk.async=true;tk.onload=tk.onreadystatechange=function(){a=this.readyState;if(f||a&&a!="complete"&&a!="loaded")return;f=true;clearTimeout(t);try{Typekit.load(config)}catch(e){}};s.parentNode.insertBefore(tk,s)
      })(document);
    </script> 
    <!-- ------ -->
		<link href="/sites/all/themes/iii_responsive/css/home.css" rel="stylesheet" type="text/css" /> 
</head>
<body class="html front not-logged-in no-sidebars page-home-page i18n-en" >
        <div id="block-nylon-common-functions-responsive-header" class="block block-nylon-common-functions">

    
  <div class="content">
    
			<!-- ---------------------------------------------------------
				2017.4.19, Ye Wang
				Global top nav
			---------------------------------------------------------- -->
			<header id="nav"> 
				<div id="navigation" clear="clearfix">
					<a href="javascript:void(0);" title="Expand" id="menuBtn"></a>
					<a href="/" id="logo" title="Home"></a>
					<div id="breadcrumb">Home
					</div>
					<div id="userBox"> 
						<a href="/user" id="btnSignin">Sign In</a></div>  
					<div id="searchBox"> 
						<div><label>Search iii.org</label></div>
					</div>
				</div>
				
				<!-- Top Menu Layer -->
				<div class="menu-panel" id="menu-panel-main"> 
					<div class="menu sGrid">
						<h5 class="menu">Main</h5>  
						<div class="grid three-column"><h3><a href="/insurance-basics">Insurance: The Basics</a></h3><ul class="menu"><li><a href="/insurance-basics/about-the-industry">About the Industry</a></li><li><a href="/insurance-basics/auto-insurance">Auto Insurance</a></li><li><a href="/insurance-basics/homeowners-renters-insurance">Homeowners + Renters Insurance</a></li><li><a href="/insurance-basics/life-insurance">Life Insurance</a></li><li><a href="/insurance-basics/financial-planning">Financial Planning</a></li><li><a href="/insurance-basics/business-insurance">Business Insurance</a></li><li><a href="/insurance-basics/disasters-preparedness">Disasters + Preparedness</a></li><li><a href="/insurance-basics/thought-leadership">Thought Leadership</a></li><li><a href="/insurance-basics/other-insurance-topics">Other Insurance Topics</a></li></ul></div><div class="grid three-column"><h3><a href="/research-data">Research + Data</a></h3><ul class="menu"><li><a href="/research-data/auto">Auto</a></li><li><a href="/research-data/catastrophes">Catastrophes</a></li><li><a href="/research-data/commercial">Commercial</a></li><li><a href="/research-data/crime-fraud">Crime + Fraud</a></li><li><a href="/research-data/homeowners">Homeowners</a></li><li><a href="/research-data/insurance-industry">Insurance Industry</a></li><li><a href="/research-data/life-health">Life + Health</a></li><li><a href="/research-data/technology">Technology</a></li></ul></div><div class="grid three-column"><h3><a href="/resource-center">Resource Center</a></h3><ul class="menu"><li><a href="/resource-center/apps">Apps</a></li><li><a href="/resource-center/event-calendar">Event Calendar</a></li><li><a href="/resource-center/iii-glossary">I.I.I. Glossary</a></li><li><a href="/resource-center/iii-store">I.I.I. Store</a></li><li><a href="/resource-center/latest-studies">Latest Studies</a></li><li><a href="/resource-center/newsroom">Newsroom</a></li><li><a href="/resource-center/presentations">Presentations</a></li><li><a href="/resource-center/publications">Publications</a></li><li><a href="/resource-center/the-iii-insurance-blog">The I.I.I. Insurance Blog</a></li><li><a href="/resource-center/video-library">Video Library</a></li></ul></div>
					</div>
					<div class="menu secondary s4"> 
						<h5 class="menu">MEMBERS</h5>
						<ul class="menu">
							
		<li><a href="/about-us/membership">Learn More About Membership</a></li>
		<li><a href="/user/register">Register for a Member Account</a></li>
		
						</ul> 
			
						<h5 class="menu">EN ESPA&Ntilde;OL</h5>	 
						<ul class="menu">
							
	<li><a href="/insurance-basics/conceptos-basicos-seguros">Conceptos B&aacute;sicos de Seguros</a></li>
	
						</ul> 
			
						<h5 class="menu">Connect With Us</h5>
						<div class="menu-smedia clearfix">
							<ul class="menu"> 
								
		<li class="smedia_fb"><a href="https://www.facebook.com/InsuranceInformationInstitute" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 117.6685 226.584"><path id="f" class="cls-1" d="M76.3765,226.584V123.2285h34.6929l5.1938-40.2798H76.3765V57.2319c0-11.6621,3.2383-19.6094,19.9624-19.6094l21.3296-.0097V1.5869A285.42388,285.42388,0,0,0,86.5874,0C55.835,0,34.7813,18.771,34.7813,53.2436V82.9487H0v40.2798H34.7813V226.584Z"/></svg></a></li>
		<li class="smedia_tw"><a href="https://twitter.com/iiiorg" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 273.38959 222.1782"><path class="cls-1" d="M273.38959,26.3008a112.124,112.124,0,0,1-32.2148,8.832,56.25181,56.25181,0,0,0,24.6621-31.0313,112.29873,112.29873,0,0,1-35.6172,13.6114,56.142,56.142,0,0,0-95.5791,51.1572A159.23574,159.23574,0,0,1,19.0322,10.2666,56.15109,56.15109,0,0,0,36.3906,85.1504a55.861,55.861,0,0,1-25.40529-7.0157c-.00391.2344-.00481.4688-.00481.7051a56.12288,56.12288,0,0,0,44.9931,54.9986,56.23,56.23,0,0,1-25.3301.9609,56.14724,56.14724,0,0,0,52.3956,38.9531,112.54222,112.54222,0,0,1-69.6592,24.0098A114.17451,114.17451,0,0,1,0,196.979a158.75988,158.75988,0,0,0,85.9795,25.1992c103.1689,0,159.5849-85.4668,159.5849-159.5864q0-3.64755-.16208-7.2559A113.99219,113.99219,0,0,0,273.38959,26.3008Z"/></svg></a></li>
		<li class="smedia_youtube"><a href="https://www.youtube.com/user/iiivideo" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 20 14.06678"><g id="Lozenge"><path class="cls-1" d="M19.80029,3.03467a4.32693,4.32693,0,0,0-.7951-1.98517A2.8605,2.8605,0,0,0,17.00128.20233C14.20257,0,10.00433,0,10.00433,0H9.99567s-4.19812,0-6.997.20233A2.861,2.861,0,0,0,.99481,1.0495,4.32517,4.32517,0,0,0,.2,3.03467,30.24514,30.24514,0,0,0,0,6.27155V7.78888a30.24694,30.24694,0,0,0,.2,3.23694A4.32517,4.32517,0,0,0,.9948,13.011a3.39138,3.39138,0,0,0,2.20526.85486c1.6.15344,6.79993.20093,6.79993.20093s4.20258-.00635,7.00128-.20862a2.8605,2.8605,0,0,0,2.00391-.84717,4.32693,4.32693,0,0,0,.7951-1.98517A30.29228,30.29228,0,0,0,20,7.78888V6.27155A30.29065,30.29065,0,0,0,19.80029,3.03467ZM7.93524,9.62767,7.93433,4.00812l5.40411,2.81952Z"/></g></svg></a></li>
		<li class="smedia_pinterest"><a href="https://www.pinterest.com/iiiorg/" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 16.12049 20"><path class="cls-1" d="M3.46056,19.69448A12.09982,12.09982,0,0,1,3.50442,16.074c.22928-.985,1.48-6.27375,1.48-6.27375a4.55656,4.55656,0,0,1-.37757-1.87387c0-1.755,1.01721-3.06523,2.28377-3.06523A1.58562,1.58562,0,0,1,8.48762,6.639a25.42349,25.42349,0,0,1-1.04536,4.20237,1.83253,1.83253,0,0,0,1.869,2.28073c2.24331,0,3.96763-2.36536,3.96763-5.77973A4.9824,4.9824,0,0,0,8.46015,2.20153q-.22664-.00733-.45325.006a5.46319,5.46319,0,0,0-5.694,5.22214q-.00551.12754-.00506.25524a4.90979,4.90979,0,0,0,.93928,2.88035.37743.37743,0,0,1,.08756.362c-.09584.3987-.30876,1.256-.35056,1.43138-.05508.23106-.18294.28-.42207.16881C.98554,11.79362,0,9.489,0,7.63781,0,3.65634,2.89279,0,8.33949,0c4.37835,0,7.781,3.11992,7.781,7.28954,0,4.34984-2.74271,7.85056-6.54951,7.85056a3.378,3.378,0,0,1-2.89282-1.44927s-.63284,2.40984-.78628,3.00036A14.1084,14.1084,0,0,1,4.32315,20Z"/></svg></a></li>
		<li class="smedia_linkedin"><a href="https://www.linkedin.com/company/insurance-information-institute" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 25.76364 25.71977"><path class="cls-1" d="M.42382,8.54057H5.76854v17.1792H.42382ZM3.09765,0A3.09569,3.09569,0,1,1,0,3.09473,3.09618,3.09618,0,0,1,3.09765,0"/><path class="cls-1" d="M9.11914,8.54057h5.1182v2.3471h.0732a5.608,5.608,0,0,1,5.0518-2.7749c5.4023,0,6.4013,3.5572,6.4013,8.1841v9.4229h-5.334v-8.3536c0-1.9921-.039-4.5556-2.7753-4.5556-2.7784,0-3.2022,2.1699-3.2022,4.4111v8.4981h-5.333Z"/></svg></a></li>
		<li class="smedia_gplus"><a href="https://plus.google.com/+IiiOrg" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 22 14"><path class="cls-1" d="M22,6H20V4H18V6H16V8h2v2h2V8h2ZM7,6V8.4h3.97A3.7802,3.7802,0,0,1,7,11.42,4.42074,4.42074,0,0,1,7,2.58,3.93932,3.93932,0,0,1,9.79,3.66l1.9-1.83A6.71,6.71,0,0,0,7,0,7,7,0,0,0,7,14a6.45683,6.45683,0,0,0,6.72-6.84A6.439,6.439,0,0,0,13.61,6Z"/></svg></a></li>
	
							</ul>
						</div>
					</div> 
				</div>		
				<!-- END OF TOP MENU LAYER -->
				<!-- Search stats -->
				<div class="menu-panel" id="menu-panel-search"> 
					<form id="search" action="/search/node" class="clearfix">
						<a class="btnClose"></a>
						<input type="text" id="keyword" name="keys" maxlength="128" placeholder="Type to Search iii.org" value="" /> 
					</form>
					<div id="menu-search" class="clearfix">
						<div class="row menu clearfix"> 
							<div class="grid three-column">
								<ul class="menu keyword">
									<li class="label">Popular search terms</li>
									<li><a href="/search/node/Automobile">Automobile</a></li>
									<li><a href="/search/node/Home + Renters">Home + Renters</a></li>
									<li><a href="/search/node/Claims">Claims</a></li>
									<li><a href="/search/node/Fraud">Fraud</a></li>
									<li><a href="/search/node/Hurricane">Hurricane</a></li>
								</ul>  
							</div>
							<div class="grid three-column">
								<ul class="menu">
									<li class="label">Popular Topics</li>
									<li><a href="/insurance-basics/auto-insurance/shopping-for-insurance">Automobile</a></li>
									<li><a href="/insurance-basics/homeowners-renters-insurance/shopping-for-insurance-0">Home + Renters</a></li>
									<li><a href="/insurance-basics/insurance-101/insurance-impact">The Basics</a></li>
									<li><a href="/insurance-basics/disasters-preparedness/weather">Disaster + Preparation</a></li>
									<li><a href="/insurance-basics/life-insurance/shopping-for-insurance-1">Life Insurance</a></li>
								</ul> 
							</div>
							<div class="grid three-column">	
								<h5 class="menu">Popular Media</h5>
								<ul class="menu"> 
									<li><a href="/resource-center/video-library">Video Library</a></li>
									<li><a href="/research-data">Research + Data</a></li>
									<li><a href="/resource-center/newsroom">Newsroom</a></li>
								</ul>
							</div> 
						</div> 
						<!--div class="row bottom clearfix">Not sure what you're looking for? <a href="" class="link">Try Our Guided Tour to get you started</a>.</div-->
					</div>
				</div>
				<!-- END OF SEARCH STATS -->
				<!-- ---------------------------------------------------------
					2017.5.17, Ye Wang
					User sign-in form:
					- modal triggered by top nav;
					- sign-in page;
				---------------------------------------------------------- -->
				<!-- Sign-in Modal --> 
					<div id="menu-layer-signin" style="display: none;"> 
						<div class="wrapper">
							<div class="grid-wrapper"><form action="/?platform=hootsuite" method="post" id="user-login" accept-charset="UTF-8"><div>
			<h2>Sign In</h2>
			<p>Please sign in to access member exclusive content.</p>
			<div class="form-item form-type-textfield form-item-name">
  <label for="edit-name">Email Address <span class="form-required" title="This field is required.">*</span></label>
 <input placeholder="Email Address" type="text" id="edit-name" name="name" value="" size="60" maxlength="60" class="form-text required" />
<div class="description">Enter your username (email)</div>
</div>
<div class="form-item form-type-password form-item-pass">
  <label for="edit-pass">Password <span class="form-required" title="This field is required.">*</span></label>
 <input placeholder="Password" type="password" id="edit-pass" name="pass" size="60" maxlength="128" class="form-text required" />
<div class="description">Enter your password.</div>
</div>
<input type="hidden" name="form_build_id" value="form-CnzCHDFHpS880yM3noUGgeGhcifDLzhaBTvX8gk7vr4" />
<input type="hidden" name="form_id" value="user_login" />
<div class="captcha"><input type="hidden" name="captcha_sid" value="14704365" />
<input type="hidden" name="captcha_token" value="bc125710baa75d9ea5927d9830110173" />
<input type="hidden" name="captcha_response" value="Google no captcha" />
<div class="g-recaptcha" data-sitekey="6Le15xUTAAAAAMW5uUqyLBaG7DPHXIgzPVrf2UhF" data-theme="light" data-type="image"></div></div><div class="form-actions form-wrapper" id="edit-actions"><input class="btn form-submit" type="submit" id="edit-submit" name="op" value="Log in" /></div>
			<p><a href="/user/password" class="link" target="_top">Forgot Password?</a></p>
			<h3>Don't Have an Account?<br /><a href="/user/register" class="link" target="_top">Register Now</a></h3>
			<p><a href="/membership" class="link" target="_top">Learn more about membership</a></p>
			<hr />
			<!--a href="javascript:alert('coming soon')"><img src="themes/iii-d6/images/global/btn_linkedin.png" /></a-->
			</div></form>		
							</div> 
						</div>
					</div>
				<!-- END OF SIGN-IN MODAL -->
				</header>  </div>
</div>

		<div id="messages">
			
		</div>
		<!-- /#messages -->
		    <div id="block-system-main" class="block block-system">

    
  <div class="content">
    
		<!-- Highlights --> 
		<div class="hero">
			<div class="hero-column">
				<div class="story promise"> 
					<div class="content">
						<h2>Our Promise</h2>
						We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media.
						<a href="/about-us" class="btn">Learn More</a>			
					</div> 
				</div>
				<div class="story first"> 
					<div class="bg" style="background-image: url('/sites/default/files/p_toy_car_486567614.jpg')"></div>
					<div class="content">
						<a href="/insurance-basics/auto-insurance" class="tag">Auto Insurance</a>
						<a href="article/nine-ways-to-lower-your-auto-insurance-costs" target="_self" class="title">Nine Ways to Lower Your Auto Insurance Costs</a>
						<p>One of the best ways to keep auto insurance costs down is to have a good driving record, but there are other things you can do to curb costs. Begin by shopping around.</p> 
						<div class="bookmark">
							article
							
						</div>				
					</div> 
					
				</div>
			</div>
			<div class="hero-column">
				<div class="story"> 
					<div class="bg" style="background-image: url('/sites/default/files/images/p_employmenttrends4_579260592.jpg')"></div>
					<div class="content">
						
						<a href="presentation/insurance-industry-employment-trends-1990-2017-december-2017-020618" target="_self" class="title">Insurance Industry Employment Trends: 1990-2017 (Dec. 2017)</a> 
						<div class="bookmark">
							presentation
							
						</div>
					</div>  
				</div>
				<div class="story"> 
					<div class="bg" style="background-image: url('/sites/default/files/images/p_testimony2_531412774.jpg')"></div>
					<div class="content">
						
						<a href="presentation/rating-variables-in-maryland-auto-insurance-020818" target="_self" class="title">Rating Variables in Maryland Auto Insurance</a> 
						<div class="bookmark">
							presentation
							
						</div>					
					</div> 
				</div>
				<div class="story"> 
					<div class="bg" style="background-image: url('/sites/default/files/images/p_workplace_629074838.jpg')"></div>
					<div class="content">
						<a href="/insurance-basics/business-insurance" class="tag">Business Insurance</a>
						<a href="article/employment-practices-liability-insurance" target="_self" class="title">Employment practices liability insurance </a> 
						<div class="bookmark">
							article
							
						</div>					
					</div> 
				</div>
				<div class="story"> 
					<div class="bg" style="background-image: url('/sites/default/files/p_ecosnap_652420402.jpg')"></div>
					<div class="content">
						
						<a href="https://www.iii.org/publications/iii-economic-snapshot/economic-and-financial-trends-2017q4" target="_blank" class="title">Quarterly industry snapshot 2017:Q4:  Economic trends</a> 
						<div class="bookmark">
							
							
						</div>					
					</div> 
				</div>	 	
			</div> 
		</div>  
		<!-- END OF HIGHLIGHTS --><!-- Begin Information You Need --> 
		<div class="wrapper "> 
			<h1 class="banner">New and Trending</h1>
			<div class="column">
				<div class="article first">
					<a href="article/winter-driving" target="_self"><img src="/sites/default/files/images/p_winter_driving_537273681.jpg" /></a>
					<div class="content"> 
						<a href="/insurance-basics/auto-insurance" class="tag">Auto Insurance</a>
						<a href="article/winter-driving" target="_self" class="title">Driving in winter? Be prepared and stay safe</a>
						<p>Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter.</p>
					</div> 
					<div class="bookmark">
						article
						
					</div>
				</div>		
			</div>
			<div class="column">
				<div class="article">
					<a href="article/how-can-i-locate-lost-life-insurance-policy" target="_self"><img src="/sites/default/files/images/p_search_681625520.jpg" /></a>
					<div class="content"> 
						<a href="/insurance-basics/life-insurance" class="tag">Life Insurance</a>
						<a href="article/how-can-i-locate-lost-life-insurance-policy" target="_self" class="title">12 steps for locating a lost life insurance policy </a>
					</div>
					<div class="bookmark">
						article
						
					</div>
				</div>
				<div class="article">
					<a href="article/your-renters-insurance-guide" target="_self"><img src="/sites/default/files/images/p_houseandkeys.jpg" /></a>
					<div class="content"> 
						<a href="/insurance-basics/homeowners-renters-insurance" class="tag">Homeowners + Renters Insurance</a>
						<a href="article/your-renters-insurance-guide" target="_self" class="title">Your renters insurance guide</a>
					</div> 
					<div class="bookmark">
						article
						
					</div>
				</div>
				<div class="article">
					<a href="article/what-are-principal-types-life-insurance" target="_self"><img src="/sites/default/files/images/p_life_insurance_184985261.jpg" /></a> 
					<div class="content"> 
						<a href="/insurance-basics/life-insurance" class="tag">Life Insurance</a>
						<a href="article/what-are-principal-types-life-insurance" target="_self" class="title">What are the principal types of life insurance?</a>
					</div> 
					<div class="bookmark">
						article
						
					</div>
				</div>
				<div class="article"> 
					<a href="article/five-insurance-mistakes-avoid-and-still-save-money" target="_self"><img src="/sites/default/files/images/p_save_money_517121172.jpg" /></a> 
					<div class="content">
						<a href="/insurance-basics/other-insurance-topics" class="tag">Other Insurance Topics</a>
						<a href="article/five-insurance-mistakes-avoid-and-still-save-money" target="_self" class="title">How to get the best insurance for your needs and budget</a>
					</div> 
					<div class="bookmark">
						article
						
					</div>
				</div>		
			</div><br clear="all" />
		</div><!-- END OF Information You Need --><!-- Begin Latest Research and Analysis --> 
		<div class="wrapper "> 
			<h1 class="banner">Insight + Analysis</h1>
			<div class="column">
				<div class="article first">
					<a href="https://youtu.be/_rYh3rZ47O0" target="_blank"><img src="/sites/default/files/p_times_square_831481678.jpg" /></a>
					<div class="content"> 
						
						<a href="https://youtu.be/_rYh3rZ47O0" target="_blank" class="title">Joint Industry Forum 2018: Interview with Donna Peeples of Pypestream</a>
						<p>“The pendulum of control has swung hard away from brands in favor of customers.”&nbsp; Pypestream Chief Customer Officer, Donna Peeples, discusses realities insurers face as disruptive innovation creates greater symmetry between insurance companies and consumers. [video]&nbsp;</p>
					</div> 
					<div class="bookmark">
						
						
					</div>
				</div>		
			</div>
			<div class="column">
				<div class="article">
					<a href="white-paper/personal-automobile-insurance-more-accidents-larger-claims-drive-costs-higher-101716" target="_self"><img src="/sites/default/files/p_wp_autoins_costs_22246919.jpg" /></a>
					<div class="content"> 
						
						<a href="white-paper/personal-automobile-insurance-more-accidents-larger-claims-drive-costs-higher-101716" target="_self" class="title">Personal automobile insurance: More accidents, larger claims drive costs higher</a>
					</div>
					<div class="bookmark">
						white paper
						
					</div>
				</div>
				<div class="article">
					<a href="http://www.iii.org/insuranceindustryblog/?p=5732" target="_blank"><img src="/sites/default/files/p_crime_640947656.jpg" /></a>
					<div class="content"> 
						
						<a href="http://www.iii.org/insuranceindustryblog/?p=5732" target="_blank" class="title">Actuarial science vs. neuroscience</a>
					</div> 
					<div class="bookmark">
						
						
					</div>
				</div>
				<div class="article">
					<a href="article/2017-commentary-on-first-nine-months-financial-results" target="_self"><img src="/sites/default/files/images/p_presentation7_616135244.jpg" /></a> 
					<div class="content"> 
						<a href="/research-data/insurance-industry" class="tag">Insurance Industry</a>
						<a href="article/2017-commentary-on-first-nine-months-financial-results" target="_self" class="title">2017 - Commentary on first nine months financial results</a>
					</div> 
					<div class="bookmark">
						article
						
					</div>
				</div>
				<div class="article"> 
					<a href="article/inflation-watch-december-2017" target="_self"><img src="/sites/default/files/images/p_inflation22_643393424.jpg" /></a> 
					<div class="content">
						
						<a href="article/inflation-watch-december-2017" target="_self" class="title">Inflation Watch - December 2017</a>
					</div> 
					<div class="bookmark">
						article
						
					</div>
				</div>		
			</div><br clear="all" />
		</div><!-- END OF Latest Research and Analysis --><!-- Glossary, Twitter, Facebook -->
	<div class="hero" id="widgets">
		<div class="wrapper">
			<div class="grid-wrapper module">
				<div class="grid four-column widget">
					<div class="content-tabs" id="widget-glossary">
						<h3>I.I.I. Glossary</h3><p><strong>CONTINGENT LIABILITY-</strong> Liability of individuals, corporations, or partnerships for accidents caused by people other than employees for whose acts or omissions the corporations or partnerships are responsible.</p><p><strong>PROFESSIONAL LIABILITY INSURANCE-</strong> Covers professionals for negligence and errors or omissions that injure their clients.</p><a href="/resource-center/iii-glossary" class="btn">See Full Glossary</a> 
					</div> 
				</div>
				<div class="grid two-column tabbed">
					<div class="content-tabs" id="widget-stats">
						<div class="main-tabs-nav">
							<a href="#" tab="tab-most-read" class="active">Most Popular</a>
							<a href="#" tab="tab-most-shared">Most Shared</a>
						</div>
						<div id="tab-most-read" tab="tab-most-read" class="active">
							<ol class="widget"><li><a href="article/nine-ways-to-lower-your-auto-insurance-costs">Nine Ways to Lower Your Auto Insurance Costs</a></li><li><a href="es/article/como-funciona-el-deducible-de-su-seguro">¿Cómo funciona el deducible de su seguro?</a></li><li><a href="fact-statistic/facts-statistics-identity-theft-and-cybercrime">Facts + Statistics: Identity theft and cybercrime</a></li><li><a href="article/how-much-homeowners-insurance-do-you-need">How much homeowners insurance do I need?</a></li><li><a href="fact-statistic/facts-statistics-pet-statistics">Facts + Statistics: Pet statistics</a></li>
							</ol> 
						</div>
						<div id="tab-most-shared" tab="tab-most-shared">
							<ol class="widget"><li><a href="https://www.iii.org/article/employment-practices-liability-insurance">Employment practices liability insurance</a></li><li><a href="https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs">Nine Ways to Lower Your Auto Insurance Costs</a></li><li><a href="https://www.iii.org/fact-statistic/facts-statistics-identity-theft-and-cybercrime">Facts   Statistics: Identity theft and cybercrime</a></li><li><a href="https://www.iii.org/article/winter-driving">Driving in winter? Be prepared and stay safe</a></li><li><a href="https://www.iii.org/article/what-does-businessowners-policy-bop-cover">What does a business owners policy (BOP) cover?</a></li>
							</ol>
						</div>
					</div>
				</div>
				<div class="grid four-column widget"> 
					<div class="content-tabs" id="widget-smedia">
						<div class="main-tabs-nav">
							<a href="#" tab="tab-feed-twitter" class="active"></a>
							<a href="#" tab="tab-feed-facebook"></a>
						</div>
						<div id="tab-feed-twitter" tab="tab-feed-twitter" class="active">
							<a class="twitter-timeline" data-widget-id="344898882599272448"  href="https://twitter.com/iiiorg" width="100%" height="100%"></a> 
							<script>
								!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0],p=/^https:/.test(d.location)?"https":"https";if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src=p+"://platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");
							</script>
						</div>
						<div id="tab-feed-facebook" tab="tab-feed-facebook"><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.ecareerfairs.com/e/gis/' target='_blank'>link</a>
												<div class='time-ago'>15 hours ago</div> 
											</div>
											<p>Register now for The Pipeline virtual #insurancecareer fair on February 13. More than 25 global and regional insurers are looking for you. It's FREE to all students! Gamma Iota Sigma Grand Chapter #InsuranceCareersMonth #ICM</p> 
											<div class='col-md-8'>
												<a href='https://www.ecareerfairs.com/e/gis/' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>The Gamma Iota Sigma Virtual Fair</div><p>The Gamma Iota Sigma Virtual Fair brings employers together with college students pursuing a career in the Insurance Industry, providing access to companies seeking entry-level and internship candidates.</p> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.facebook.com/InsuranceInformationInstitute/photos/a.10150280453999749.351041.138657339748/10156732317734749/?type=3' target='_blank'>photo</a>
												<div class='time-ago'>17 hours ago</div> 
											</div>
											<p>Today, Monday 2/12 at Noon (Central Time), join the first #InsuranceCareersMonth Twitter chat with Tony Canas of Insurance Nerds! Use #ICMChat to join the conversation. #CareerTrifecta</p> 
											<div class='col-md-8'>
												<a href='https://www.facebook.com/InsuranceInformationInstitute/photos/a.10150280453999749.351041.138657339748/10156732317734749/?type=3' target='_blank' class='post-link'>
													<div class='post-content'><img src='https://graph.facebook.com/10156732317734749/picture' /> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.ecareerfairs.com/e/gis/' target='_blank'>link</a>
												<div class='time-ago'>1 day ago</div> 
											</div>
											<p>Interested in #InsuranceCareers but don’t know where to start (or don’t want to get out of your sweatpants). The Pipeline virtual #insurancecareer fair on February 13 has you covered! Learn more: Gamma Iota Sigma Grand Chapter</p> 
											<div class='col-md-8'>
												<a href='https://www.ecareerfairs.com/e/gis/' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>The Gamma Iota Sigma Virtual Fair</div><p>The Gamma Iota Sigma Virtual Fair brings employers together with college students pursuing a career in the Insurance Industry, providing access to companies seeking entry-level and internship candidates.</p> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.linkedin.com/pulse/insurance-having-its-teachable-moment-careers-sean-kevelighan/' target='_blank'>link</a>
												<div class='time-ago'>2 days ago</div> 
											</div>
											<p>Calling all #drone pilots, video #gamers, data #science geeks, #WhiteHat #hackers, do-gooders, #meteorologists, “people-persons,” and #innovators of every conceivable stripe: Insurance NEEDS your skills and passion to help build a safer, more prosperous, and better future—for all. Learn more: #InsuranceCareersMonth #ICM #Millennials</p> 
											<div class='col-md-8'>
												<a href='https://www.linkedin.com/pulse/insurance-having-its-teachable-moment-careers-sean-kevelighan/' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>Insurance Is Having Its Teachable Moment About Careers</div><p>Remember that classic scene from the movie “Groundhog Day,” when Bill Murray’s character, Phil Connors, punches the insurance guy, Ned Ryerson, in the</p><img src='https://media.licdn.com/mpr/mpr/shrinknp_400_400/AAIAAQDGAAoAAQAAAAAAAA3fAAAAJGQxODk2Mjk2LTQ4OGUtNGM3ZS04NDIzLTlmMzc0YTlhZjliMQ.jpg&cfs=1&sx=99&sy=0&sw=215&sh=215&_nc_hash=AQBrpOCRZsvBSZvp' /> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.facebook.com/InsuranceInformationInstitute/photos/a.10150280453999749.351041.138657339748/10156732316314749/?type=3' target='_blank'>photo</a>
												<div class='time-ago'>3 days ago</div> 
											</div>
											<p>Monday 2/12 at Noon (Central Time), join the first #InsuranceCareersMonth Twitter chat with Tony Canas of Insurance Nerds! Use #ICMChat to join the conversation. #CareerTrifecta</p> 
											<div class='col-md-8'>
												<a href='https://www.facebook.com/InsuranceInformationInstitute/photos/a.10150280453999749.351041.138657339748/10156732316314749/?type=3' target='_blank' class='post-link'>
													<div class='post-content'><img src='https://graph.facebook.com/10156732316314749/picture' /> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://gammaiotasigma.org/' target='_blank'>link</a>
												<div class='time-ago'>3 days ago</div> 
											</div>
											<p>The I.I.I. supports Gamma Iota Sigma Grand Chapter and its mission to Prepare the Next Generation of Insurance Professionals. Learn more about #GIS and its mission. #InsuranceCareerMonth #ICM</p> 
											<div class='col-md-8'>
												<a href='https://gammaiotasigma.org/' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>gammaiotasigma.org - International Risk Management, Insurance and Actuarial Science Collegiate Fraternity</div><p></p> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://twitter.com/GammaIotaSigma' target='_blank'>link</a>
												<div class='time-ago'>3 days ago</div> 
											</div>
											<p>February is #InsuranceCareerMonth. But at Gamma Iota Sigma Grand Chapter it’s career-LIFE, 24/7/365. Keep up with #GIS on Twitter. #CareerTrifecta #InsuranceDoesThat</p> 
											<div class='col-md-8'>
												<a href='https://twitter.com/GammaIotaSigma' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>Grand Chapter (@GammaIotaSigma) | Twitter</div><p></p> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.nytimes.com/2011/10/19/business/choosing-experts-to-appraise-collectibles-and-valuables.html' target='_blank'>link</a>
												<div class='time-ago'>3 days ago</div> 
											</div>
											<p>Looking to put your knowledge and passion for art history to work? #InsuranceDoesThat.  #InsuranceCareerMonth #ICM #Millennials</p> 
											<div class='col-md-8'>
												<a href='https://www.nytimes.com/2011/10/19/business/choosing-experts-to-appraise-collectibles-and-valuables.html' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>Choosing Experts to Appraise Collectibles and Valuables</div><p></p> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.ambest.com/video/MediaArchive.aspx?lid=1068187747001&vid=5713670582001' target='_blank'>link</a>
												<div class='time-ago'>1 week ago</div> 
											</div>
											<p>Be sure to check out JIF from the eyes of A.M. Best Company TV!: #PCForum2018 #Insurance #Risk #Technology #Insuretech</p> 
											<div class='col-md-8'>
												<a href='https://www.ambest.com/video/MediaArchive.aspx?lid=1068187747001&vid=5713670582001' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>P/C Insurers Brace for New Risks, New Tech and Plentiful Capital</div><p>Insurance leaders at the Joint Industry Forum 2018 in New York said 2017chr(39)s wave of catastrophes barely dented the industrychr(39)s financial posture, but a host of new risks, technologies and competitors await.</p><img src='https://www.ambest.com/images/logos/AMBTVLogo_white.png&cfs=1&_nc_hash=AQDYPQtq8AsE2Vf2' /> 			</div>
												</a>
											</div>
										</div><div class='fb-row'> 
											<div class='fb-profile'> 
												<img src='https://graph.facebook.com/InsuranceInformationInstitute/picture?type=square' /> 
												<a href='https://fb.com/InsuranceInformationInstitute' target='_blank'>Insurance Information Institute</a> 
												shared a 		<a href='https://www.iii.org/article/jif2018-one-on-one-sean-kevelighan-insurance-information-institute' target='_blank'>link</a>
												<div class='time-ago'>1 week ago</div> 
											</div>
											<p>Our CEO Sean Kevelighan discusses the “new normal” and outlines the ways insurers embrace resiliency when contending with #catastrophes, #geopolitical unrest, #technological change and other forms of #disruption. #PCForum2018 Watch the full video here!</p> 
											<div class='col-md-8'>
												<a href='https://www.iii.org/article/jif2018-one-on-one-sean-kevelighan-insurance-information-institute' target='_blank' class='post-link'>
													<div class='post-content'><div class='post-info-name'>JIF2018 One-on-One: Sean Kevelighan, Insurance Information Institute | III</div><p>Insurance Information Institute CEO Sean Kevelighan explains why disruption is the “new normal” and outlines the ways insurers have both embraced resiliency when preparing for catastrophes, geopolitical and economic unrest and technological change, as well as have innovated more efficient, effec...</p> 			</div>
												</a>
											</div>
										</div>  
						</div>
					</div>
				</div> 
			</div>
		</div>
	</div>	
	<!-- ---------------------------- --><!-- Blogs -->
	<div class="wrapper">
		<div class="grid-wrapper">
			<h1 class="banner">Thought Leadership</h1><div class="grid three-column"><a href="https://www.iii.org/resource-center/latest-studies" target="_blank"><img src="/sites/default/files/thought_lead_latest_studies.png" /></a></div><div class="grid three-column"><a href="https://www.iii.org/insuranceindustryblog" target="_blank"><img src="/sites/default/files/triple-i_blog_368_x_217.png" /></a></div><div class="grid three-column"><a href="https://iii.swoogo.com/jointindustryforum2018" target="_blank"><img src="/sites/default/files/p_thought_lead_jif18_video.jpg" /></a></div>
		</div>
	</div> 
	<!-- END OF BLOGS --><!-- Press Releases / Events -->
	<div class="hero" theme="gray">
		<div class="wrapper grid-wrapper">
			<div class="grid two-column"> 
				<div class="content">
					<h1 class="banner">I.I.I. News Wire</h1>
						<dl class="item">
							<dt><a href="/press-release/property-casualty-insurance-industrys-net-income-drops-303-percent-in-nine-months-2017-012618">Property/Casualty Insurance Industry’s Net Income Drops 30.3 Percent in Nine-Months 2017</a></dt>
							<dd><p>JERSEY CITY, N.J., January 26, 2018 — The private U.S. <a href="/press-release/property-casualty-insurance-industrys-net-income-drops-303-percent-in-nine-months-2017-012618" class="link">Read More</a></p></dd>
						</dl>
						
						<dl class="item">
							<dt><a href="/press-release/annual-property-casualty-joint-industry-forum-hosted-by-the-insurance-information-institute-brings-together-insurance-and-business-thought-leaders-in-new-york-city-121917">Annual Property/Casualty Joint Industry Forum Hosted By The Insurance Information Institute Brings Together Insurance And Business Thought Leaders In New York City</a></dt>
							<dd><p>FOR IMMEDIATE RELEASE New York Press Office, Insurance Information Institute: (212) 346-5500; media@iii.org Kim Kirchner, Coburn Communication: (212) 536-9837; Kim.Kirchner@coburnww.com NEW YORK – (December 19, 2017) – Industry leaders from insurance and reinsurance companies, industry trade associa&hellip; <a href="/press-release/annual-property-casualty-joint-industry-forum-hosted-by-the-insurance-information-institute-brings-together-insurance-and-business-thought-leaders-in-new-york-city-121917" class="link">Read More</a></p></dd>
						</dl>
						<a href="/resource-center/newsroom" class="btn">See More News Releases</a>	
				</div> 
			</div>
			<div class="grid two-column">
				<div class="content">
					<h1 class="banner">Events Calendar</h1>
					
					<dl class="event">
						<dt>34th Annual Issues & Research Conference<label class="event"></label></dt>
						<dd class="date">
							<div class="month">March</div>
							<span>22</span>
							<div class="year">2018</div>
						</dd> 
						<dd>
							<div class="noconsider">WCRI’s two-day program highlights the Institute’s latest research findings while drawing upon the diverse perspectives of highly respected workers’ compensation experts and policymakers from across the country. The following are among the questions the conference will be addressing using the latest research:

<ul>
	<li>What challenges face the workers’ compensation system, and how might the system evolve to meet them?</li>
	<li>Does opioid use have an effect on return to work?</li>
	<li>How is the prescription drug crisis impacting American employers, and how are they responding?</li>
	<li>What do providers, regulators, and payors have to say about value-based care?</li>
	<li>Can low fee schedules create access-to-care issues for injured workers?</li>
</ul>

The WCRI conference is a leading workers’ compensation forum for policymakers, employers, labor advocates, insurance executives, health care organizations, claims managers, researchers, and others. Conference participants will leave with new insights, valuable networking contacts, and a better understanding of key issues in today’s competitive environment. <a href="https://conference.wcrinet.org/" target="_blank">Event website</a></div>
						</dd> 
					</dl>
					
					<a href="/resource-center/event-calendar" class="btn">See More Events</a> 
				</div> 
			</div>
		</div>
	</div>
	<!-- END OF PRESS RELEASES / EVENTS -->  </div>
</div>
<div id="dialogImg"></div>    <div id="block-nylon-common-functions-responsive-footer" class="block block-nylon-common-functions">

    
  <div class="content">
    
		<!-- ---------------------------------------------------------
			2017.4.19, Ye Wang
			Global Footer
			
			2017.6.16, Ye Wang
			Banner removed - app decommishioned;
		---------------------------------------------------------- -->
			<a id="sidebar-toggle"></a>	  
			 
			<footer>
				<!-- <a href=""><img src="themes/iii-d6/images/global/banner_footer.png" /></a>	 -->
				<div class="wrapper-962">
					<div class="grid-wrapper"> 
						<div class="grid-962 three-column-962">
							<a id="logo-footer" href="/"></a>
							<div class="menu-smedia">
								<label class="menu">Connect With Us</label>
								<ul> 
									
		<li class="smedia_fb"><a href="https://www.facebook.com/InsuranceInformationInstitute" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 117.6685 226.584"><path id="f" class="cls-1" d="M76.3765,226.584V123.2285h34.6929l5.1938-40.2798H76.3765V57.2319c0-11.6621,3.2383-19.6094,19.9624-19.6094l21.3296-.0097V1.5869A285.42388,285.42388,0,0,0,86.5874,0C55.835,0,34.7813,18.771,34.7813,53.2436V82.9487H0v40.2798H34.7813V226.584Z"/></svg></a></li>
		<li class="smedia_tw"><a href="https://twitter.com/iiiorg" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 273.38959 222.1782"><path class="cls-1" d="M273.38959,26.3008a112.124,112.124,0,0,1-32.2148,8.832,56.25181,56.25181,0,0,0,24.6621-31.0313,112.29873,112.29873,0,0,1-35.6172,13.6114,56.142,56.142,0,0,0-95.5791,51.1572A159.23574,159.23574,0,0,1,19.0322,10.2666,56.15109,56.15109,0,0,0,36.3906,85.1504a55.861,55.861,0,0,1-25.40529-7.0157c-.00391.2344-.00481.4688-.00481.7051a56.12288,56.12288,0,0,0,44.9931,54.9986,56.23,56.23,0,0,1-25.3301.9609,56.14724,56.14724,0,0,0,52.3956,38.9531,112.54222,112.54222,0,0,1-69.6592,24.0098A114.17451,114.17451,0,0,1,0,196.979a158.75988,158.75988,0,0,0,85.9795,25.1992c103.1689,0,159.5849-85.4668,159.5849-159.5864q0-3.64755-.16208-7.2559A113.99219,113.99219,0,0,0,273.38959,26.3008Z"/></svg></a></li>
		<li class="smedia_youtube"><a href="https://www.youtube.com/user/iiivideo" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 20 14.06678"><g id="Lozenge"><path class="cls-1" d="M19.80029,3.03467a4.32693,4.32693,0,0,0-.7951-1.98517A2.8605,2.8605,0,0,0,17.00128.20233C14.20257,0,10.00433,0,10.00433,0H9.99567s-4.19812,0-6.997.20233A2.861,2.861,0,0,0,.99481,1.0495,4.32517,4.32517,0,0,0,.2,3.03467,30.24514,30.24514,0,0,0,0,6.27155V7.78888a30.24694,30.24694,0,0,0,.2,3.23694A4.32517,4.32517,0,0,0,.9948,13.011a3.39138,3.39138,0,0,0,2.20526.85486c1.6.15344,6.79993.20093,6.79993.20093s4.20258-.00635,7.00128-.20862a2.8605,2.8605,0,0,0,2.00391-.84717,4.32693,4.32693,0,0,0,.7951-1.98517A30.29228,30.29228,0,0,0,20,7.78888V6.27155A30.29065,30.29065,0,0,0,19.80029,3.03467ZM7.93524,9.62767,7.93433,4.00812l5.40411,2.81952Z"/></g></svg></a></li>
		<li class="smedia_pinterest"><a href="https://www.pinterest.com/iiiorg/" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 16.12049 20"><path class="cls-1" d="M3.46056,19.69448A12.09982,12.09982,0,0,1,3.50442,16.074c.22928-.985,1.48-6.27375,1.48-6.27375a4.55656,4.55656,0,0,1-.37757-1.87387c0-1.755,1.01721-3.06523,2.28377-3.06523A1.58562,1.58562,0,0,1,8.48762,6.639a25.42349,25.42349,0,0,1-1.04536,4.20237,1.83253,1.83253,0,0,0,1.869,2.28073c2.24331,0,3.96763-2.36536,3.96763-5.77973A4.9824,4.9824,0,0,0,8.46015,2.20153q-.22664-.00733-.45325.006a5.46319,5.46319,0,0,0-5.694,5.22214q-.00551.12754-.00506.25524a4.90979,4.90979,0,0,0,.93928,2.88035.37743.37743,0,0,1,.08756.362c-.09584.3987-.30876,1.256-.35056,1.43138-.05508.23106-.18294.28-.42207.16881C.98554,11.79362,0,9.489,0,7.63781,0,3.65634,2.89279,0,8.33949,0c4.37835,0,7.781,3.11992,7.781,7.28954,0,4.34984-2.74271,7.85056-6.54951,7.85056a3.378,3.378,0,0,1-2.89282-1.44927s-.63284,2.40984-.78628,3.00036A14.1084,14.1084,0,0,1,4.32315,20Z"/></svg></a></li>
		<li class="smedia_linkedin"><a href="https://www.linkedin.com/company/insurance-information-institute" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 25.76364 25.71977"><path class="cls-1" d="M.42382,8.54057H5.76854v17.1792H.42382ZM3.09765,0A3.09569,3.09569,0,1,1,0,3.09473,3.09618,3.09618,0,0,1,3.09765,0"/><path class="cls-1" d="M9.11914,8.54057h5.1182v2.3471h.0732a5.608,5.608,0,0,1,5.0518-2.7749c5.4023,0,6.4013,3.5572,6.4013,8.1841v9.4229h-5.334v-8.3536c0-1.9921-.039-4.5556-2.7753-4.5556-2.7784,0-3.2022,2.1699-3.2022,4.4111v8.4981h-5.333Z"/></svg></a></li>
		<li class="smedia_gplus"><a href="https://plus.google.com/+IiiOrg" target="_blank"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 22 14"><path class="cls-1" d="M22,6H20V4H18V6H16V8h2v2h2V8h2ZM7,6V8.4h3.97A3.7802,3.7802,0,0,1,7,11.42,4.42074,4.42074,0,0,1,7,2.58,3.93932,3.93932,0,0,1,9.79,3.66l1.9-1.83A6.71,6.71,0,0,0,7,0,7,7,0,0,0,7,14a6.45683,6.45683,0,0,0,6.72-6.84A6.439,6.439,0,0,0,13.61,6Z"/></svg></a></li>
	
								</ul>
							</div>
						</div>
						<div class="grid-962 seven-column-962"> 
							<div id="menu-footer">
								<div>
									<ul class="menu">
										<li><label class="menu">Main</label></li>
										<li><a href="/insurance-basics">Insurance: The Basics</a></li>
										<li><a href="/research-data">Research + Data</a></li>
										<li><a href="/resource-center">Resource Center</a></li>
									</ul>
									<ul class="menu">
										<li><label class="menu">En Espa&ntilde;ol</label></li>
										
	<li><a href="/insurance-basics/conceptos-basicos-seguros">Conceptos B&aacute;sicos de Seguros</a></li>
	
									</ul>
								</div>
								<div>
									<ul class="menu">
										<li><label class="menu">Members</label></li>
										
		<li><a href="/about-us/membership">Learn More About Membership</a></li>
		<li><a href="/user/register">Register for a Member Account</a></li>
		
									</ul>
								</div>
								<div>
									<ul class="menu">
										<li><label class="menu">More</label></li>
										<li><a href="/about-us">About the I.I.I.</a></li>
										<li><a href="/services/directory">Industry Directory</a></li>
										<li><a href="/services/permission-use-iii-content">Permissions</a></li>
										<li><a href="/privacy-policy">Privacy Policy</a></li>
										<li><a href="/sitemap">Site Map</a></li>
										<li><a href="/terms-use">Terms of Use</a></li>
									</ul>
								</div>
							</div>
						</div>
					</div> 
				</div>
				<div id="copyright">
					<p>&copy; Copyright 2018, Insurance Information Institute, Inc.<br /> 
						All Rights Reserved.</p>
				</div>		
			</footer> 
		  </div>
</div>
  <script type="text/javascript" src="https://www.iii.org/sites/default/files/js/js_gYQQsOp-hCsznfuL8zAv6AnPBFlxEmH_y3tH9jAK9r8.js"></script>
<!--script>(function(e,t,s,n){var o,c,m;e.SMCX=e.SMCX||[],t.getElementById(n)||(o=t.getElementsByTagName(s),c=o[o.length-1],m=t.createElement(s),m.type="text/javascript",m.async=!0,m.id=n,m.src=["https:"===location.protocol?"https://":"https://","widget.surveymonkey.com/collect/website/js/27MkPnY02uCos_2F04NOdeQRgfRYDPlPR_2FsUZRTOcuhBfWDRMNFLhmJhelqmE3Jm26.js"].join(""),c.parentNode.insertBefore(m,c))})(window,document,"script","smcx-sdk");</script-->
</body>
</html>
