ACT Work Groups

Please note the date of our last official updates – as technology is constantly evolving so are our work groups.

ACT facilitates multiple work groups focused on key industry issues to create tools in the form of best practice recommendations, white papers, and education materials. These are communicated to all our stakeholders and are used to assist with setting technology strategy and enabling effective, consistent agency workflows.

ACT benefits from volunteer participation by our key stakeholders – from agents & brokers, carriers, technology providers, and other industry associations and user groups.

Most work groups meet monthly via a web meeting conference call, for 45-60 minutes.   
For more information on how you can get involved please contact Ron Berg, ACT Executive Director.
*LAST UPDATED:   Nov 12, 2018 


ACT is moving forward rapidly toward 2019 strategies for our work groups - and we NEED YOU! 

More precisely, we need your input and vision.  And you do NOT have to be a tech expert. ​Our work groups create valuable industry tools by bringing together carriers, vendors, agents & brokers, user groups and associations.

We take off our company 'hats' and address tech issues and create consistency, education, and best practices.


We are looking for additional volunteers for the following work groups:


The Commitment   

Each of our Work Groups meet once a month for approximately 40-50 minutes via web conference.  We handle all the scheduling, facilitation, and notes.


Get Started

It's easy – just email our team at sharing which work group(s) you'd like to join.  And it's pressure free - you don't have to lead or even share immediately.  Instead, you can observe how a particular group works and share when you're comfortable - or dive right in! (we like that second option)


Still Have Questions?

If you'd like to talk further our Executive Director, Ron Berg, is available to connect.

We succeed because of YOUR input. 
Please join us as we work to improve agent workflows for our industry!


The need for agencies to be fully prepared for catastrophic storms and other disasters has never been greater.  Think of the tropical storms and wildfires our country has dealt with across 2018.

Previously, our ACT 'Disaster Preparedness' work group created a great document for agents to use in planning for disasters.

Though the older ACT 'Disaster Prep' document has many aspects that are still relevant, much has also emerged in technology advancement, social media, and resources that we can add.

We have re-engaged the Disaster Preparedness work group to review the existing document as well as other ACT & industry resources, determine what format to use to move forward, and complete an update.  

As of late 2018, we are completing the update and working toward formatting and publishing.  If you would like to review and provide input, please send an email to

This work group has traditionally been the technology trend beacon for ACT and the industry, keeping an eye on the key ‘hard trends’, and informing/directing focus areas for other ACT Work Groups and industry associations.  Some of the work groups created or directed by SFI include the Customer Experience, Mobile/Mobility, Social Web, Agencies of the Future, Mobile Strategies, Business Intelligence, Carrier Communications, and Mid-Commercial. 

The SFI Work Group released the first phase of the 2015 Hard Trends Report, providing a comprehensive update and enhancement of the major 'Hard' trends impacting both the way we do business and the way we serve our customers. The work group then developed the second and final phase of the report which highlights key “Must-Do” action items that ACT and the industry should pursue in response to the challenges and opportunities brought about by the hard trends.

In October 2018, the work group released a new '2018 Key Tech Trends Report ', assisting our industry in accurately planning technology strategy.
The SFI Work Group also directed creation of the Changing Nature of Risk work group, which creates 2-3 page 'Risk Advisories on individual topics.  From the Risk Advisories, the SFI work group has identified the top areas the industry must address; the Internet of Things, Smart Homes & Buildings, and the Sharing Economy.  
Chair: Rick Morgan (WAHVE and Rick Morgan Consulting).
Click Here to review the '2018 Key Tech Trends Report'.
From the SFI work group’s creation of the 2015 Hard Trends Report and the resulting ‘Must Do’ actions, one primary work group recommendation is to create a new ACT Work Group focusing on the changing nature of (insurance) risk.  

This work group reviews the individual topics that will impact risk – Machine Learning, Voice Computing, 3D Printing, the Sharing Economy, IoT, Drones, Telematics, Machine Learning and others – and determining for responses needed by ACT and the industry.  
The CNoR work creates ‘Risk Advisories’; short, focused advisories on each topic, defining the trend, importance, implications, economic impacts, recommended actions, and resources for more information.  These 'Risk Advisories' are intended to drive strategic discussions among all industry leaders, resulting in accelerated distribution channel movement forward. 
The 'Risk Advisories' are located on the 'Changing Nature of Risk' web page, and the group will continue to populate the web page with new Advisories as they are finalized.
In 2018, this group is focusing on both new Advisories and also update key previously-issued Advisories that have seen the greatest continued evolution.  In addition, volunteers from the group are completing an 'Internet of Things 'Deep Dive', to be published late 2018. 
Co-Chairs: Steve Anderson (Anderson Consulting), Rick Morgan (WAHVE), and Jerry Fox (Systems by Fox)
Click here to watch a Changing Nature of Risk breakout session from one of our ACT Meetings.

This work group has generated excellent tools around security and privacy for agents and brokers. The group investigates emerging security issues and determines what guidance we need to provide our IA distribution. Last year, the work group released our 'Agency Security Issues’ Pocket Guide and supporting Reference Guide to aid agents in setting their security strategy. These guides cover topics such as data encryption, updating security plans, data breach, and laws, issues with mobile devices, texting and others
ACT also partnered with the Center for Internet Security, offering free 'Cyber Hygiene' toolkits for agents (now available).

In fall 2017, the group released the 'ACT Agency Cyber Guide 1.0' - This addresses all security regulations from entities like Gramm-Leach-Bliley, NYDFS, and the NAIC.  The Guide provides descriptions and resources for all regulations, including a downloadable template to create an Agency Cybersecurity Policy. 

As of October 2018, the group has now released the next iteration of the 'Agency Cyber Guide 2.0 ' - creating a matrix of vendors offering cyber resources to address regulations, as well as release 'quick hit' advisories focusing on security aspects such as routers, passwords, security testing/and others.   

For 2019, this work group will have no shortage of issues to address - emerging state cyber regulations, NY DDFS, NAIC, and many others.  We're working on our 2019 goals now, so if you'd like to be involved, please contact
Co-Chairs: Steve Aronson (Aronson Insurance) and George Robertson (Rockingham Insurance)
Click here to view the 'Agency Cyber Guide 2.0'
Click here to view the Agency Security Issues Pocket Guide
Click here to view the supporting full Summary Reference Guide.
Click here to access the ACT/CIS 'Cyber Hygiene' toolkits.
The objective of this work group is to create a digital roadmap for independent agents and their carriers to deliver an outstanding customer experience ('CX') at each stage of the customer’s journey – one that stands out from what the competing distribution systems are able to offer. This work group has documented the agent ‘touchpoints’ which prospects and clients experience across their research, buying, renewal, and advocacy journey.  This lead to development of a Customer Experience Journey Recommendations document.
As of August 2018, the CX work group has created an online CX Planning website which agencies can use to understand their current CX position, then create a customized recommendations plan that provides step-by-step recommendations with resources.  
The work group's next steps will be to enhance the CX Planning site, adding a deeper agency CX analysis, also project planning functionality. 
Co-Chairs: Claudia McClain (McClain Insurance Services), and Ginny Winkworth (Merchants Insurance Group)
Click here to access the ACT 'CX Planning website'
ACT engaged this work group beginning in September 2015 to address our distribution channel's struggles with adoption by agents and acceptance by carriers. The work group focuses on clear recommendations on workflow and integration to agency systems, advocacy to carriers for acceptance of vendor eSignature solutions that meet UETA and ESIGN requirements, along with their own proprietary systems, education to agents and the industry, and use and updating of existing reference documents. 
In June, the group created and delivered a 'Carrier eSignature Advocacy' document - Reaching out to carriers not documented as accepting UETA- and ESIGN-compliant vendor eSignatures from agencies.  This document provides significant background and rationale to urge carriers to accept agency eSignatures along with their own proprietary solutions.  We are seeing positive responses from carriers.
The group recently completed additional resources for agencies, such as eSignature Benefits Guides for agency reps and customers, Training & Troubleshooting documents, and an eSignature Workflow template.
Co-Chairs: Joyce Sigler (Jones & Wenner Insurance) and Nick Khamarji, Jr. (New England Insurance)
Click here to access the ACT eSignature web page which lists the agency tools listed above, and much more.
Click here to access the ACT 'Carrier eSignature Advocacy' web page.
This work group is dedicated to identifying Carrier pain points on Bridging, and real-time comparative rating.  A preliminary discussion between key industry representatives determined that there is an opportunity to re-address rating for Small Commercial Lines. This work group will work to 1) facilitate improvement, consistency, and education on existing 'bridging' functionality from management systems to carrier sites and 2) determine direction and advocacy for the desired end-state of consistent Real Time Comparative Rating for Small Commercial Lines. The work group held a kickoff meeting in September 2015, then fielded an industry-wide survey to confirm challenges and further refine its goals.
Our Small Commercial Rating group used this survey data to assign projects and deliverables  In August 2016, the work group created a "Carrier Bridging Best Practices" Recommendations document as advocacy to carriers for consistency and agency ease-of-use in Bridging quotes to carriers’ agent portals.  The group will also create a focus group to address existing issues with data and download/rating standards.

Through 2018 and into 2019, the group is working on an 'Agency Bridging Best Practices Workflow' guide, identifying additional carrier and vendor Bridging pain points, and moving toward next phase of the desired end-state for full round-trip real-time rating for Small Commercial lines of business. 

This work group contains very passionate volunteers - If you'd like to join the conversation, please contact
Chair:  Jim Armitage (Arroyo Insurance Services).
Click here to access the "Carrier Bridging Best Practices" Recommendations document.
Click here to view work group most current notes on "action items."
This work group assesses and guides a wide variety of marketing and communications strategies to advance ACT awareness and impact.

The group is currently creating a comprehensive plan for ACT focused on more effective communication methods, website enhancements, as well as strategies for ACT to employ - taking advantage of available new tools & technologies.  ACT seeks to reach and engage a broader audience (the right people within agencies and carriers), increase its educational effectiveness, provide a forum for ongoing discussion of key technology-related industry issues, and create content that motivates agents and carriers to implement. 

The work group also has subgroups focusing on the ACT website, member best practices, getting the most from ACT, as well as brand and communications strategy.

Are you interested in lending your voice to the evolution of a more impactful communications plan that benefits all stakeholders?  Email '' and we'll make it easy to add you to our roster and meetings!

Chair: Peter van Aartrijk
This work group has updated ACTs agency-carrier technology agreements guide. We have confidentially reviewed a number of national, super-regional and regional carrier agreements with agencies and are in the final phases of generating a ‘recommendations’ document that addresses a number of technology-based areas that have emerged in recent years which current carrier/agency agreements do not contemplate. The work group is comprised of representatives from carriers, vendors, associations and agencies. The final recommendations document was also reviewed by carrier and industry legal representatives to provide full feedback.
A Formal Document, which will be reviewed and refreshed periodically, was released October 27, 2014. A future focus for this group will be to address the use of ‘click-wrap’ agreements on agent portals.
Chair: Jim Armitage (Arroyo Insurance Services)
Click here to view the Carrier-Agency Technology Agreements Recommendations.
Click here to access a 2016 whitepaper on "Privacy & Data Breach Language for Insurance Company Agency Agreements"