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Pennsylvania Association of Mutual Insurance Companies


The Pennsylvania Association of Mutual Insurance Companies (PAMIC) is a trade association that has proudly represented the Mutual Insurance Industry since 1907. Our membership comprises some of the most historic companies in the industry, along with new companies who are thriving under the same model. Today our member groups represent many property and casualty insurers licensed to do business in Pennsylvania. While we are based in Pennsylvania, PAMIC membership represents the majority of the Mid-Atlantic region. Our companies hail from: Ohio, Michigan, Maryland, New Jersey, New York, West Virginia and Virginia. 

Beyond mutual companies, we represent over 130 market members who are crucial in upholding the value and operations of our member groups. Some examples of our associates are: law firms, accounting firms, reinsurance companies, restoration companies and technology firms. Our mission is to continue the illustrious history of the Mutual Insurance Industry through our three pillars: Advocacy, Education, and Networking. 

See What's Happening at PAMIC


    • April 22, 2021
    • 2:00 PM - 3:00 PM (EDT)
    • PAMIC Online

    nullAutomated hail swaths and damage ratios

    Date: Thursday April 22, 2021
    Time: 02:00 PM Eastern Standard Time
    Duration: 1 hour
    Presented by: Andrew Siffert, BMS RE


    On an inflation-adjusted basis, 2020 was the second-costliest year on record for thunderstorm-related damage in the U.S. Most year of the insured losses resulted from hail damage is the driver of the industry loss.  Due to increasing awareness over the last several years regarding the increase in insured hail losses, insurance companies have been arming themselves with analytics; hail swath report maps which now seem to be a dime a dozen are widely used by insurance companies. Roofers are also using these hail maps to find work.  However, some things should be known about these products which will be one component of this talk.  The other component will be how the hail maps can be used to improve customer satisfaction and profitability during these costly catastrophic events. BMS RE US is drawing upon its broad, national client-base to provide important insights to insurance companies, helping them better understand and utilize the information in hail swath reports. In this talk, we will discuss how insurance claims data from destructive hail events adds value beyond the standard hail swath maps by offering improved claims rates and exposed loss ratios.

    About the Presenter

    Andrew Siffert is an  Vice President and Senior Meteorologist within BMS Re US Catastrophe Analytics team for 9 years.  He works closely with clients to help them manage their weather related risks by adding value through catastrophe response, catastrophe modelling, product development and scientific research and education.  He has 19 years of industry experience having worked in the energy and insurance industry focusing his meteorological knowledge on helping companies manage their weather risks. Prior to joining BMS, Andrew worked for FlagstoneRe as a CAT Project Manager / Meteorologist and was responsible for developing LiveCAT products, frontline research, and analytics used in the underwriting process. He has also worked at ACE Group with the development of ACE Global Weather Insurance products and helped pioneer the weather derivatives market and energy trading markets while working at Aquila Energy Corp. Andrew has educational background that spans the sciences with a master’s degree in meteorology from the University of Utah and was member of the 2002 Olympic weather support team.





    • May 06, 2021
    • 2:00 PM - 3:00 PM (EDT)
    • PAMIC Online

    nullImpact of COVID-19 on future damages and loss measurement

    Date: Thursday May 6, 2021
    Time: 02:00 PM Eastern Standard Time
    Duration: 1 hour
    Presented by: 
    Simon P Oddy, FCA, CFE, MCIArb
    Partner, Global Forensics and Litigation Services

    How will insurers account for the interrupted year of the pandemic in damages evaluation? Businesses had extremely unusual income and expenses - with lockdowns, capacity regulations, consistent changes and supply chain issues. Traditional damages modeling may be greatly impacted by the financial results for 2020 and the early part of 2021, while attempting to measure financial loss unrelated to COVID-19. How will models need to be adapted to deal with pandemic disruption?Join Baker Tilly and Global Forensics and Litigation Services partner, Simon Oddy, to discuss the COVID-19 impact related to:

    • Traditional performance modeling overview
    • Approaches insurers may take in modeling around pandemic impact
    • Impact on disputes in damages evaluation

    What will this webinar answer?

    • 1)     How is traditional damages modeling performed?
    • 2)     What are the impacts of a disruptive economic year with traditional damages modeling?
    • 3)     What are options to adjust traditional modeling to account for the pandemic?
    • 4)     How will non-traditional and traditional modeling methods impact disputes?

    About the Presenter

    Simon P Oddy, FCA, CFE, MCIArb
    Partner, Global Forensics and Litigation Services

    Simon Oddy is a Partner in the Global Forensics & Litigation Services consulting practice at Baker Tilly. Working with insurers and lawyers, Simon has handled engagements in North America, South America, Europe, Africa, Asia and Australia. Simon’s insurance related cases focus on property and casualty losses. In addition to clients in the United States, Simon works with clients in the London Insurance Market, Syndicates in Lloyds and handles cases globally. He has handled matters for both Claimants and Defendants.

    • May 11, 2021
    • 10:00 AM (EDT)
    • May 12, 2021
    • 3:15 PM (EDT)
    • PAMIC Online


    2-Day Virtual Event
    May 11-12, 2021
    PAMIC Live   


    8 CE and CLE credits available!

    Join PAMIC and the Claims Committee this year for a fully virtual claims education experience! Morning general sessions include a variety of hot topics, while Tuesday's afternoon session will focus on property claims, and Wednesday afternoon is geared toward casualty claims. 

    Interested in sponsoring the 2021 Virtual Claims Summit?

    Click Here

    Interested in some fun and networking before the conference? Join PAMIC for virtual trivia over happy hour on Monday May 10th from 5:30-6:30pm! 

    Click here for more information

    Event information

    Tuesday May 11th:

    10:00am - 11:00am: Technology Innovation in Claims Handling 

    Moderator: Paul Kelejian, Property/Casualty Claims Technical Specialist, GenRe 

    Panelist: Ken Tolson, President, Crawford & Company

    Panelist: Natalie Kaschalk, VP, Insurance Services, Copart

    What will claim handling look like in 2025? What's around the corner? Will change upend the character of what we do?  Consumer expectations have accelerated with the explosion of technology. Regulatory, privacy, cyber and legal developments continually introduce new challenges. Our panel of seasoned experts will take a look into how new insights might assist us in delivering quality results, survey some innovative tools already available, and discuss how these current and near future ideas will assist us in meeting and exceeding customer expectations.

    11:00-11:15am: Morning Break

    11:15-12:15pm: Litigation Update

    Mike McKenna, Esq., Margolis Edelstein

    He’s back! Join Mike McKenna as he highlights The Year That Was in the often unpredictable world of litigation. What have the courts been up to, and how does that impact you?

    12:15pm - 1:00pm: Lunch Break

    1:00pm - 2:00pm: Hail Damage or Black Magic? 

    Gregory Marks, P.E., Department Head, Forensics, Barry Isett & Associates

    Hail damage is one of the least understood and most often disputed types of property damage.  The many reasons for this will be explored.  Specific technical expertise is necessary to identify hail damage and every hailstorm is different in size, direction, intensity.  To complicate matters, other types of damage can mimic hail damage and it is sometimes imitated by mechanical means.  Further, field information is often difficult to obtain involving potentially dangerous access to sloped roofs.  Isett has performed hundreds of hail inspections and can draw from a wealth of case studies to illustrate the complexities.  Both residential and commercial roofs will be explored along with plenty of photographs.

    2:00pm - 2:15pm: Afternoon Break

    2:15pm - 3:45pm: ATF Forensic Auditors & Arson Investigation

    Thomas Chapasko, Supervisory Forensic Auditor, FISD East II District Manager, ATF 

    This session takes a look at the added value of investigative services that Forensic Auditors with the Bureau of Alcohol, Tobacco, Firearms & Explosives bring to investigating arson cases.  Tom will present information on the financial red flags to look for in a financially motivated fires, the gathering of records at the scene and after the scene, the importance of interviews, working with the Insurance company under the Arson Immunity Letter, and technology updates that aid in financial investigations.  This will be an informative and interactive presentation using investigative examples from Tom’s career in conducting arson investigations for ATF.

    Wednesday May 12th

    10:00am - 11:00am:  Social Inflation:  What’s Driving the Ever-Increasing Costs of Claims?

    Moderator: Jeffrey Weisel, Esq., Vice President, Corporate Claims, GenRe

    Panelist: Adam Parsons, Esq., CPCU, Claim Staff Counsel, Penn National Insurance

    Panelist: Lacey Conn, Partner, Thomas Thomas & Hafer

    Social inflation refers to the rising costs of insurance claims that are a result of societal trends and views toward increased litigation, broader contract interpretations, plaintiff friendly legal decisions, and larger jury awards.  This panel-focused discussion will examine the phenomena from the tripartite vantage points of the carrier, reinsurer, and defense counsel, and attempt to unravel the multi-faceted causes behind increasing costs of claims.

    11:00-11:15am: Morning Break

    11:15-12:15pm: COVID Issues for Insurers:  Business Interruption, Employer Issues and Department of Insurance Update

    Jeffrey Grossman, Partner, Stradley Ronon

    Adam Brown, Associate, Stradley Ronon

    Steve Davis, Chair, Insurance Practice, Stradley Ronon

    Jeff Grossman will provide current overview of ongoing Business Interruption legal cases in Pennsylvania Adam Brown will provide a briefing on current employment law developments resulting from the Pandemic.   And last, PAMIC Board Counsel Steve Davis and PAMIC President Ron Gallagher will discuss developing issues at the Pennsylvania Insurance Department dealing with public policy notices under review by the PID dealing with specific rate and form filing issues.

    12:15pm - 1:00pm: Lunch Break

    1:00pm - 2:00pm: Injury Claims from the Plaintiff Counsel Point of View

    Scott Cooper, Partner, Schmidt Kramer Injury Lawyers

    Joshua Bovender, Partner, Thomas, Thomas & Hafer LLP 

    Prominent Plaintiff’s Counsel Scott Cooper (Schmidt Kramer) and Defense Attorney Joshua Bovender (Thomas, Thomas & Hafer) will discuss the Plaintiff’s perspective on current issues.  The presentation will provide an overview of the latest UM/UIM case law, including policy interpretation, coverage and exclusion issues, and review of cases in the appellate pipeline.  There will be a complete discussion of the Gallagher v. GEICO case which involved the “household exclusion.”  In addition, will discuss how the Gallagher case may or may not apply to future cases and recent developments on Ride-sharing issues.

    2:00pm - 2:15pm: Afternoon Break

    2:15pm - 3:15pm: Rover’s Rampage and How Not To Get Bitten During the Claim

    Scott Rybny, Esq., Chair – Insurance Coverage & Extra-Contractual Liability Group, Morgan & Akins, PLLC 

    Dale Forsythe, Esq., Partner, Wayman Irvin & McAuley, LLC

    Liability claims arising out of dog bites continue to rise and cause headaches for insurers: 4.5 million dog bites occur per year; 300,000+ emergency room visits for dog bites of which over 30,000 involved children between the ages of 5 and 9. Who is to blame – the dog, the circumstances surrounding the attack, or some intentional act by the owner. Regardless, insurers continue to evaluate the best way to manage these claims which often co-mingle intentional acts with the potential for nuclear verdicts. Some insurers have sought to limit their liability through various policy exclusions while others through the underwriting process only to have those efforts challenged by injured claimants, their own insureds and even the U.S. Department of Housing and Urban Development. During this session, participants will engage in an interactive discussion that covers a variety of topics ranging from underwriting fraud and its impact on the claim, dog bite laws, evaluating your insureds’ defenses during the claim investigation and damages. Our panel will also address the impact of a new player in this arena – the U.S. Department of Housing and Urban Development and its efforts to nullify dog bite exclusions through administrative proceedings.

    Registration Prices:

    Member rates:

    • Tuesday (Full Day) Rate: $75

    • Wednesday (Full Day) Rate: $75

    • Full Conference Rate (both days): $125

    Non member rates:

    • Tuesday (Full Day) Rate: $100

    • Wednesday (Full Day) Rate: $100

    • Full Conference Rate (both days): $150

    • Platinum Sponsors: receive (2) complimentary registrations per company
    • Flex sponsors: receive (1) complimentary registration per company

    Thank you 2021 Sponsors




    Contact our Director of Events and Education, Andrea Stroble at astroble@pamic.org or call 717-303-0197.

    Cancelation Policy

    If written notice of a cancellation is given on or before Friday May 7th, a full refund will be issued. If given notice after this period, a refund will be issued with a $25 administrative fee deducted. 

    Please contact Lora Sharp at lsharp@pamic.org for questions regarding refunds.

    • June 15, 2021
    • 3:00 PM (EDT)
    • June 16, 2021
    • 4:30 PM (EDT)
    • Virtual

    NAMIC Virtual Congressional Contact Program 

    June 15-16, 2021

    NAMIC’s Congressional Contact Program (CCP) is a world-class advocacy operation that is widely known within the insurance world as the industry’s premier grassroots program. CCP is designed to provide attendees with the opportunity to personally visit with their congressional representatives and staff to voice their concerns over national legislation and issues that affect the property/casualty insurance industry.

    Areas of Focus in 2021:

    • State based insurance regulation

    • Prospective Pandemic Solutions
    • Risk Based Pricing (protecting underwriting freedom)
    • Taxes
    • Vehicle data access

    Schedule of Events:

    Tuesday June 15th, 2021: 

    3:00pm - 4:30pm: Briefing with NAMIC Federal Affairs Committee

    Wednesday June 16th, 2021:

    9:00am - 10:30pm: Virtual meetings with Senate Offices

    2:30pm - 4:00pm: Virtual meetings with House Offices



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