Oregon Insurance Agents and Agencies, 1998 June 1999
Oregon Insurance Agents and Agencies, 1998 Department of Consumer & Business Services Director, Mike Greenfield Insurance Division Administrator, Nancy Ellison Information Management Division Administrator, Dan Adelman Research & Analysis Section Manager, Ed Bissell Assistant Manager, Kathy Thomas Research Analyst, Joe Miles Research Analyst, Frank Kenny June 1999 In compliance with the Americans with Disabilities Act (ADA), this publication is available in alternative formats by calling (503) 378-4100 (V/TTY). The information in this report is in the public domain and may be reprinted without permission. Visit the DCBS Web site at: http://www.cbs.state.or.us Information Management Division 350 Winter St. NE, Room 300 Salem, Oregon 97310 (503) 378-8254
Table of contents Introduction... 1 1998 Highlights... 1 License categories... 2 Agent (or agency)... 2 Adjuster... 2 Consultant... 2 License classes... 2 Agent and agency license classes... 2 Adjuster and consultant license classes... 3 Licensing requirements... 3 Licensed individuals... 4 Licensed agents... 4 Agents license class trends... 5 Licensed adjusters... 5 Composition of adjusters license classes... 6 Licensed consultants... 6 Composition of consultants license classes... 6 Licensed firms... 7 Firms licensed as agencies... 7 Agency license class trends... 7 Firms licensed as adjusters... 7 License classes for firms licensed as adjusters... 7 Firms licensed as consultants... 8 License classes for firms licensed as consultants... 8 Figures 1. Distribution of resident Oregon insurance agents by county, as of December 31, 1998... 4 2. Number of agents licensed in general lines, health, and life license classes at year s end for 1994 through 1998... 5 3. Number of licensees in lender's property and credit involuntary unemployment insurance (IUI) subclasses at year s end for 1994 through 1998... 5 4. Number of licensees in motor vehicle subclasses at year s end for 1994 through 1998... 5 5. Number of variable annuity endorsements at year s end for 1994 through 1998... 6 6. Distribution of resident Oregon independent insurance adjusters, by county, as of December 31, 1998... 6 7. Distribution of resident Oregon insurance consultants, by county, as of December 31, 1998... 6 8. Distribution of resident Oregon insurance agencies, by county, as of December 31, 1998... 7 9. Number of firms licensed for lender's property insurance and credit involuntary unemployment insurance (IUI) at year's end for 1994 through 1998... 7 10. Number of firms licensed as insurance adjusters and firms licensed as consultants at year s end for 1994 through 1998... 8 11. Distribution of Oregon firms licensed as insurance adjusters, by county, as of December 31, 1998... 8 12. Distribution of Oregon firms licensed as insurance consultants, by county, as of December 31, 1998... 8
Appendices Appendix A - Individuals Table A1. Number of agents... 11 Table A2. Number of adjusters... 12 Table A3. Number of consultants...13 Table A4. Agent license classes by county... 14 Table A5. Adjuster and consultant license classes by county... 16 Table A6. License class trends... 17 Table A7. Agent license class combinations... 18 Table A8. Adjuster license class combinations... 19 Table A9. Consultant license class combinations... 20 Appendix B - Firms Table B1. Number of agencies... 21 Table B2. Number of adjuster firms... 22 Table B3. Number of consultant firms... 23 Table B4. Agency license classes, subclasses, and endorsements... 24 Table B5. Adjuster and consultant license classes for firms by county... 26 Table B6. License class trends for firms... 27 Table B7. Agency license class combinations... 28 Table B8. Adjuster license class combinations for firms... 29 Table B9. Consultant license class combinations for firms... 30
Introduction Oregon law requires that any person acting in the capacity of an insurance agent, adjuster, or consultant regarding Oregon risks must be licensed to do so by the Insurance Division of the Department of Consumer and Business Services. The capacity in which the person is licensed to act constitutes a license category. A person may be licensed in more than one category. The license specifies each license category in which the licensee may engage. For each category, the license also specifies the classes and subclasses of insurance in which the licensee may engage. The Insurance Division may license a firm or corporation to transact business in any license category and license class or subclass for which the firm or corporation employs an individual licensed for that category and class. (Hereinafter, firm shall mean either a firm or corporation.) This report defines each of the three license categories and briefly describes licensing requirements. It also provides detailed information about the distribution throughout the state of individuals and firms licensed to do business in each category and class or subclass of insurance business. The appendix tables are designed to provide quick answers to questions frequently asked the Insurance Division s Licensing Section and to serve as a source of management information about licensing activities and trends. Appendix A focuses on licensed individuals and Appendix B focuses on licensed firms. 1998 Highlights At year s end, there were 32,544 insurance agents, 819 independent insurance adjusters, and 326 insurance consultants licensed in Oregon. Fifty-three percent of the agents, 57 percent of the adjusters, and 97 percent of the consultants were licensed as Oregon residents. At year s end, Multnomah County accounted for 32 percent of all resident agents, 40 percent of all resident adjusters, and 43 percent of all resident consultants licensed in Oregon. At year s end, 14,325 agents were licensed for general lines, 19,235 for health, and 20,198 for life. At year s end, there were 5,920 insurance agencies licensed in Oregon, of which 45 percent were located in Oregon. At year s end, there were 108 firms licensed as insurance adjusters and 119 licensed as insurance consultants in Oregon. 1
License Categories During 1998 there were three valid license categories for individuals or firms: agent (or agency), adjuster, and consultant. Each is described below. Agent (or agency) An insurance agent is a solicitor or producer of insurance business. In general, a person may not act as an insurance agent in Oregon with respect to domestic risks unless that person is currently licensed by the Insurance Division to do so. The person must also be appointed by the insurer for whom the person acts as agent, unless that person is a surplus lines licensee placing insurance with an eligible surplus lines insurer. Except in some cases involving group policies, an insurance agent is considered an agent of the insurer issuing the policy and not an agent of the insured. Adjuster A claims adjuster is someone who obtains and analyzes information about an insurance claim and determines the extent of the insurer s obligation under the insurance policy. There are several types of adjusters. Most insurance companies employ staff adjusters who represent the company in settling claims. Insurance agents often perform some adjusting functions on claims, and they are sometimes given authority by the insurer to settle claims. Independent adjusters are independent contractors who offer their claims adjusting services to insurers for a fee. Public adjusters represent insureds in the claims adjusting process, usually for a percentage of the settlement. The Insurance Division licenses only independent adjusters and public adjusters. Consultant An insurance consultant is a person who sells insurance advice for compensation other than the commission from the sale of insurance. In general, a person may not act as an insurance consultant in Oregon without first obtaining a license to do so from the Insurance Division. However, attorneys, public accountants, and most financial institutions are exempt from consultant licensing requirements if rendering services in the performance of their professional duties as authorized by law. Persons giving educational seminars, actuaries engaged in establishing actuarial standards, and consultants who offer their services only to insurance companies and agents are also exempt. License Classes Agent and agency license classes There are three license classes for agents and agencies: general lines, life, and health. Each class encompasses a broad range of insurance products. An agent or agency may be licensed in a subclass to sell a particular product without having to be licensed for the entire class to which that product belongs. Another licensing device is an endorsement on a license class, which expands the capacity in which the licensee may do business within that class. The following outline shows the subclasses and endorsements related to each license class and provides a brief explanation of each: I. General lines for property, casualty, marine and transportation, and surety insurance. A. General lines subclasses: 1. Baggage (and trip cancellation and trip interruption) for insurance of personal effects in connection with travel and for reimbursement of travel expense in connection with travel emergencies. This subclass is available only to salaried affiliates of a general lines agent or to those in certain positions in the transportation or travel business as specified in the Insurance Code. 2. Credit involuntary unemployment (Credit IUI) for insurance against the inability of a debtor to pay obligations as a result of involuntary unemployment. 3. Credit for insurance against the loss or damage from failure of a debtor to pay obligations to the insured. 4. Lender s property for insurance on the personal property of a debtor to secure the repayment of a loan. 5. Livestock for insurance against loss of, damage to, or death of domestic animals. 6. Mortgage for insurance of private financial institutions against loss from the borrower s default on a mortgage loan. 7. Motor vehicle mechanical breakdown for insurance against loss arising from mechanical failure or breakdown of a motor vehicle part or component. 8. Motor vehicle physical damage for insurance against the loss of or damage to a motor vehicle designed for highway use. 2
9. Title for insurance against losses resulting from a defective title to land and improvements. B. Endorsements on the general lines class: 1. Surplus lines agent for the party (usually an agency) posting the $50,000 bond for placing insurance with eligible surplus lines insurers. 2. Surplus lines signatory for an agent with authority to place surplus lines coverage. (Not an option for agencies.) II. Life for insurance on the life of the insured. A. Life subclass: 1. Credit life for insurance on the life of a debtor in connection with a specific loan. B. Endorsement on the life class: 1. Variable annuity for selling annuities that vary in value with the value of investments in which the premiums are placed. III. Health for individual or group health insurance. A. Health subclasses: 1. Credit health for insurance to make payments on a loan while the borrower is unable to do so due to disability as defined in the policy. 2. Travel ticket health for sale of limitedduration personal accident insurance covering the risks of travel. This subclass is available only to salaried employees of a health insurance agent or to those in certain positions in the transportation or travel business as specified in the Insurance Code. In addition to the endorsements listed above, three endorsements apply to any of the three license classes: managing general agent, intermediary broker and intermediary manager. 1. Managing general agent for the person who binds reinsurance or manages all or part of the insurance business of the insurer; and who, separately or with affiliates, produces and underwrites an amount of insurance specified by statute; except that a person who otherwise meets the definition of a managing general agent but does not negotiate reinsurance for the insurer is not required to be licensed unless the person adjusts or pays claims in excess of an amount set by the department. An employee of an insurer does not need a license to act as a managing general agent for that insurer. 2. Intermediary broker for the person who solicits, negotiates, or places reinsurance for an insurer, but does not have authority to bind reinsurance for the insurer. 3. Intermediary manager for the person who works for the reinsurer and either has the authority to bind the reinsurer or manages all or a part of the reinsurer s reinsurance business and acts as an agent for the reinsurer. Adjuster and consultant license classes An adjuster may be licensed in either health or general lines or both. A consultant may be licensed in any combination of life, health, and general lines classes. There are no subclasses or endorsements associated with adjuster or consultant license classes. Licensing Requirements An applicant for a license as an agent, adjuster, or consultant must provide the Insurance Division s Licensing Section with information about his or her occupational background, insurance experience, any criminal convictions or indictments, judgments against the applicant for fraud, previously suspended or revoked occupational or professional licenses, and debts claimed against the applicant by insurers or agents. The applicant must also state the portion of time to be devoted to the insurance business, all business addresses and assumed business names to be used, and class or classes of insurance business to be transacted under the license. The applicant s fingerprints are also required. If the applicant is a firm or corporation, the applicant must also provide names of all members, officers, and directors. A corporation must also state the name of 3
each stockholder who owns more than 10 percent of any equity security and the name of each individual who will transact business under the license. Besides being subject to the other licensing requirements stated here, insurance consultants and managing general agents must also carry errors and omissions insurance coverage in an amount specified by the department. Preexamination training is required of resident applicants for general lines, life, and health licenses. Some applicants may be exempt from this requirement if they have specific insurance experience or an industry-related designation. License class endorsements involve additional requirements. For example, a variable annuity endorsement requires proof of having passed a National Association of Securities Dealers examination approved by the department, and a surplus lines signatory endorsement requires passing a surplus lines examination. The Insurance Division may issue a resident license to a person who is an Oregon resident or who, if not a resident, has a place of business in Oregon. The division may issue a nonresident license to a person who is not a resident of Oregon and is licensed in another state. Under reciprocal agreements with other states and Canadian provinces, the department may waive, for a nonresident applicant, any of Oregon s licensing requirements certified to have been met in the applicant s home state or province. An original license is valid for one year, and each renewal is valid for two years. The fee for either an original application or a license renewal is $45 per license category, regardless of how many license classes, subclasses, or endorsements are involved. As a requirement for renewal, an insurance agent licensed for life, health, or general lines must complete at least 24 hours of continuing education per year for the first five years and 12 hours per year after that. Requirements for continuing education now include courses in ethics and the Oregon specific insurance code. For any given two-year renewal period, an agent may satisfy this requirement at any time during the period as long as the requisite yearly average is achieved for those two years. The requirement is only 12 hours in any year for those with a Chartered Property and Casualty Underwriter (CPCU) or Chartered Life Underwriter (CLU) designation. Licensed Individuals Licensed agents As of December 31, 1998, there were 32,544 people licensed as Oregon insurance agents, of whom 17,186 (53 percent) were located in Oregon and 15,358 (47 percent) were located out of state. The total number of licensed agents grew by 11.3 percent during 1998, with the nonresident component increasing by 23.7 percent compared to only 2.1 percent for residents. (See Appendix Table A1). The reason for the high number of nonresident agents is that an agent must have an Oregon license to sell any policy that includes coverage for an Oregon risk. Many corporations based outside the state have branches or subsidiaries in Oregon that are covered by company-wide policies (group health insurance policies, for example). Every Oregon county has at least a few insurance agents, with the number ranging from only four in Sherman County to 5,453 in Multnomah County. Over half of Oregon s resident agents are located in the Portland area s Multnomah, Washington, or Clackamas counties. (See Figure 1 and Appendix Table A1.) Figure 1. Distribution of resident Oregon insurance agents by county, as of December 31, 1998 All other counties 28% Marion 8% Clackamas 9% Lane 11% Multnomah 32% Washington 12% Source: IMD, Department of Consumer & Business Services (2/99). 4
Agents license class trends In the four years ending December 31, 1998, the number of licensed agents grew 37 percent for the general lines class, 30 percent for the health class, and 30 percent for the life class. Stricter enforcement of nonresident agent licensing requirements has contributed to growth in all three classes. The division s emphasis on licensing customer service representatives of Property and Casualty agencies has also contributed to the growth in general lines licenses. Figure 2 shows the number of agents licensed in each class at the end of each calendar year from 1994 through 1998. The number of licensees has been growing rapidly for the last few years for several subclasses as the Agent Licensing Section has continued efforts to license individuals selling insurance as an adjunct to another line of business. Figure 3 illustrates the rapid growth in lender s property insurance and credit involuntary unemployment insurance (IUI) subclass licenses in 1995 through 1998. Nearly all of the growth in the lender s property insurance subclass is in auto dealerships. Credit IUI was a new subclass as of 1995. In 1992, the division added motor vehicle mechanical breakdown as a general lines subclass. Figure 4 shows steady, rapid growth in this subclass since 1994, as well as substantial growth in the motor vehicle physical damage subclass during the same period. Figure 2. Number of agents licensed in general lines, health, and life license classes at year s end for 1994 through 1998 25,000 20,000 15,000 10,000 5,000 0 1994 1995 1996 1997 1998 15,502 16,019 17,264 18,607 20,198 14,851 15,245 16,352 17,650 19,235 10,420 10,798 11,467 12,534 14,325 Life Health General lines Source: IMD, Department of Consumer & Business Services (2/99). Small employer health has been discontinued as an endorsement. The number of agents in that subclass should go to zero next year. Licensed adjusters At the end of 1998, there were 819 independent insurance adjusters licensed in Oregon. Fifty-seven percent of those were Oregon residents and 43 percent were nonresidents. (See Appendix Table A2). 500 450 400 350 300 250 200 150 100 50 Figure 3. Number of licensees in lender s property and credit involuntary unemployment (IUI) subclasses at year s end for 1994 through 1998 1994 1995 1996 1997 1998 0 47 156 250 351 165 210 254 341 452 900 800 700 600 500 400 300 200 100 Figure 4. Number of licensees in motor vehicle subclasses at year s end for 1994 through 1998 432 1994 1995 1996 1997 1998 559 652 796 836 341 451 516 571 564 0 Credit IUI Lender s property 0 Mechanical breakdow n Physical damage Source: IMD, Department of Consumer & Business Services (2/99). Source: IMD, Department of Consumer & Business Services (2/99). 5
Multnomah County, with 189 adjusters, accounted for 40 percent of all resident adjusters, equal to their share at the end of 1997. The top five counties accounted for 78 percent of all resident adjusters. Eleven of Oregon s 36 counties had no adjusters and another six had only one apiece. (See Figure 6 and Appendix Table A2.) Composition of adjusters license classes The adjuster category includes only two license classes health and general lines and no subclasses or 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 Figure 5. Number of variable annuity endorsements at year s end for 1994 through 1998 1994 1995 1996 1997 1998 4,933 5,388 6,164 7,023 7,833 endorsements. Seven hundred ninety-eight of the 819 adjusters licensed as of December 31, 1998 were licensed for general lines only. Twenty were licensed for health only and one for both general lines and health. (See Appendix Table A8.) Licensed consultants Licensing of insurance consultants began in 1989. At the end of 1998 there were 326 licensed consultants up eight percent from a year earlier. All but nine of the consultants were Oregon residents. Multnomah County, with 136 consultants, accounted for 42 percent of all consultants during 1998. Fourteen counties had no consultants and six others had only one apiece. (See Figure 7 and Appendix Table A3.) Composition of consultants license classes All three license classes life, health, and general lines are available to consultants; but there are no subclasses or endorsements for consultants. At the end of 1998, there were 252 consultants licensed for life, 259 for health, and 138 for general lines. (See Appendix Table A5.) Most consultants were licensed in multiple classes. Two hundred forty-nine (76 percent) were licensed for both life and health. Seventy-one of those were also licensed for general lines. (See Appendix Table A9.) - Variable annuities Source: IMD, Department of Consumer & Business Services (2/99). Figure 6. Distribution of resident Oregon independent insurance adjusters, by county, as of December 31, 1998 All other counties 22% Marion 8% Multnomah 40% Figure 7. Distribution of resident Oregon insurance consultants, by county, as of December 31, 1998 All other counties 26% Clackamas 6% Multnomah 42% Lane 8% Clackamas 9% Washington 13% Washington 7% Marion 7% Lane 12% Source: IMD, Department of Consumer & Business Services (2/99). Source: IMD, Department of Consumer & Business Services (2/99). 6
Licensed Firms Firms licensed as agencies At the end of 1998 there were 5,920 firms licensed in Oregon as insurance agencies, of which 45 percent were located in Oregon and 55 percent were located out of state. Every county had at least one agency, with the number ranging from two for Gilliam and Sherman to 704 for Multnomah. (See Appendix Table B1.) Figure 8 shows the distribution of resident agencies among Oregon counties. As one might expect, the ratio of agents to agencies tends to decline as population density declines. Multnomah County has an agent-to-agency ratio of 7.7. Lane, Washington, Marion, and Clackamas Counties combined have a ratio of 6.6. All other counties combined have a ratio of 5.9. Statewide, the agent-toagency ratio was 6.5 during 1998. Agency license class trends The number of firms licensed for general lines grew by 3 percent in 1998, while the number licensed for life and the number licensed for health were both up 4 percent. (See Appendix Table B6.) The number of agencies licensed for lender s property insurance increased from 73 to 103. Nearly all of the new firms in this subclass were auto dealerships. Credit involuntary unemployment was a new subclass as of 1995 and the number of firms offering this coverage has grown to 42 in the last three years. (See Figure 9 and Appendix Table B6.) Firms licensed as adjusters The number of licensed independent insurance adjusters in Oregon increased 4 percent in 1998, from 104 to 108 (see Figure 10 and Appendix Table B2). Seventyone of the 108 firms were resident firms. Only 18 of Oregon s 36 counties had firms licensed as adjusters as of December 31, 1998, and seven of those had only one apiece. Multnomah County had 23. Washington County had eight. No other county had more than seven. (See Figure 11 and Appendix Table B2.) Figure 8. Distribution of resident Oregon insurance agencies, by county, as of December 31, 1998 A ll other counties 34% Clackamas 9% Marion 9% Multnomah 27% Lane 9% Washington 12% Source: IMD, Department of Consumer & Business Services (2/99). 120 100 80 60 40 20 0 Figure 9. Number of firms licensed for lender s property insurance and credit IUI at year s end for 1994 through 1998 34 1994 1995 1996 1997 1998 39 43 73 Lender s property 103 0 0 4 Credit IUI Source: IMD, Department of Consumer & Business Services (2/99). 30 42 License classes for firms licensed as adjusters Adjusters may only be licensed for health or general lines classes of insurance. Of the 108 firms licensed as adjusters in Oregon, 104 were licensed for general lines and four for health. (See Appendix Tables B5 and B8.) 7
Firms licensed as consultants As mentioned above, Oregon began licensing insurance consultants in 1989. At the end of 1998, there were 119 firms licensed as consultants an increase of 10 percent over the 108 a year earlier (see Figure 10 and Appendix Table B3). Only three of the 119 firms were from out of state. Only 20 Oregon counties had firms licensed as consultants. Multnomah County topped the list with 50 (42 percent of the total). Lane County was a distant second with 10. (See Figure 12 and Appendix Table B3.) License classes for firms licensed as consultants Most of the 119 consultant firms were licensed in more than one of the three allowable classes life, health, and general lines. Fifty were licensed for all three and another 51 were licensed for life and health only. (See Appendix Table B9.) 140 120 100 80 60 40 20 0 Figure 10. Number of firms licensed as insurance adjusters and firms licensed as consultants at year's end for 1994 through 1998 69 1994 1995 1996 1997 1998 76 88 Adjusters 104 108 80 92 108 101 Consultants 119 Source: IMD, Department of Consumer & Business Services (2/99). Figure 11. Distribution of Oregon firms licensed as insurance adjusters, by county, as of December 31, 1998 Figure 12. Distribution of Oregon firms licensed as insurance consultants, by county, as of December 31, 1998 25 23 19 50 45 50 20 40 35 15 30 24 10 5 8 7 6 4 4 25 20 15 10 10 9 8 8 7 0 Multnomah Washington Marion Clackamas Deschutes Lane All others 5 0 Multnomah Lane Washington Clackamas Deschutes Marion All others Source: IMD, Department of Consumer & Business Services (2/99). Source: IMD, Department of Consumer & Business Services (2/99). 8
Tables 9
Table A1. Number of agents Number of insurance agents with active Oregon licenses at year s end for 1994 through 1998 1994 1995 1996 1997 1998 County Number Number Change Number Change Number Change Number Change Baker 76 76 0% 78 3% 76-3% 74-3% Benton 200 208 4% 222 7% 224 1% 222-1% Clackamas 1,376 1,412 3% 1,369-3% 1,384 1% 1,499 8% Clatsop 108 103-5% 113 10% 110-3% 108-2% Columbia 86 93 8% 93 0% 85-9% 89 5% Coos 192 204 6% 223 9% 229 3% 229 0% Crook 34 34 0% 26-24% 27 4% 29 7% Curry 52 58 12% 58 0% 54-7% 57 6% Deschutes 507 528 4% 577 9% 600 4% 652 9% Douglas 308 315 2% 338 7% 361 7% 362 0% Gilliam 6 6 0% 7 17% 7 0% 7 0% Grant 24 27 13% 26-4% 22-15% 22 0% Harney 20 24 20% 27 13% 26-4% 28 8% Hood River 48 50 4% 46-8% 48 4% 48 0% Jackson 820 776-5% 830 7% 835 1% 869 4% Jefferson 35 32-9% 39 22% 41 5% 39-5% Josephine 272 293 8% 306 4% 315 3% 321 2% Klamath 175 178 2% 180 1% 188 4% 185-2% Lake 19 20 5% 23 15% 24 4% 19-21% Lane 1,702 1,727 1% 1,795 4% 1,792 0% 1,870 4% Lincoln 133 137 3% 147 7% 137-7% 130-5% Linn 372 350-6% 333-5% 349 5% 345-1% Malheur 111 109-2% 103-6% 101-2% 103 2% Marion 1,438 1,401-3% 1,434 2% 1,395-3% 1,435 3% Morrow 19 21 11% 21 0% 21 0% 21 0% Multnomah 5,370 5,395 0% 5,480 2% 5,472 0% 5,453 0% Polk 86 92 7% 91-1% 102 12% 102 0% Sherman 3 3 0% 4 33% 4 0% 4 0% Tillamook 63 57-10% 59 4% 51-14% 51 0% Umatilla 245 257 5% 254-1% 253 0% 249-2% Union 102 112 10% 116 4% 127 9% 136 7% Wallowa 35 33-6% 33 0% 32-3% 31-3% Wasco 84 90 7% 91 1% 93 2% 105 13% Washington 1,781 1,854 4% 1,908 3% 2,008 5% 2,050 2% Wheeler 7 7 0% 6-14% 6 0% 6 0% Yamhill 224 228 2% 244 7% 232-5% 236 2% All OR counties 16,133 16,310 1% 16,700 2% 16,831 1% 17,186 2% Out of state 8,039 8,813 10% 10,320 17% 12,419 20% 15,358 24% Total 24,172 25,123 4% 27,020 8% 29,250 8% 32,544 11% 11
Table A2. Number of adjusters Number of insurance adjusters with active Oregon licenses at year s end for 1994 through 1998 1994 1995 1996 1997 1998 County Number Number Change Number Change Number Change Number Change Baker 2 2 0% 2 0% 2 0% 2 0% Benton 3 2-33% 1-50% 2 100% 2 0% Clackamas 30 36 20% 41 14% 44 7% 42-5% Clatsop 2 2 0% 4 100% 5 25% 2-60% Columbia 1 1 0% 1 0% 1 0% 1 0% Coos 6 6 0% 6 0% 6 0% 5-17% Crook 1 1 0% 1 0% 1 0% 1 0% Curry 1 1 0% 1 0% 1 0% 0-100% Deschutes 12 14 17% 16 14% 17 6% 15-12% Douglas 10 10 0% 10 0% 7-30% 7 0% Hood River 1 0-100% 0 0% 0 0% 0 0% Jackson 23 23 0% 19-17% 23 21% 24 4% Josephine 5 4-20% 6 50% 8 33% 8 0% Klamath 2 3 50% 2-33% 3 50% 4 33% Lane 38 38 0% 36-5% 33-8% 36 9% Lincoln 0 2 NA 2 0% 2 0% 2 0% Linn 10 7-30% 7 0% 7 0% 6-14% Malheur 0 0 0% 0 0% 0 0% 1 NA Marion 30 33 10% 35 6% 36 3% 38 6% Multnomah 179 190 6% 182-4% 191 5% 189-1% Polk 1 1 0% 1 0% 2 100% 1-50% Tillamook 1 1 0% 1 0% 1 0% 1 0% Umatilla 10 12 20% 11-8% 13 18% 9-31% Union 1 1 0% 1 0% 2 100% 2 0% Wallowa 0 0 0% 0 0% 0 0% 1 NA Washington 58 64 10% 64 0% 66 3% 61-8% Yamhill 7 7 0% 8 14% 6-25% 7 17% All OR counties 434 461 6% 458-1% 479 5% 467-3% Out of state 151 155 3% 221 43% 256 16% 352 38% Total 585 616 5% 679 10% 735 8% 819 11% 12
Table A3. Number of consultants Number of insurance consultants with active Oregon licenses at year s end for 1994 through 1998 1994 1995 1996 1997 1998 County Number Number Change Number Change Number Change Number Change Benton 6 6 0% 6 0% 6 0% 6 0% Clackamas 15 14-7% 18 29% 22 22% 20-9% Clatsop 3 4 33% 4 0% 4 0% 4 0% Columbia 1 2 100% 3 50% 1-67% 1 0% Coos 0 0 0% 0 0% 1 NA 1 0% Deschutes 6 8 33% 10 25% 13 30% 18 38% Douglas 0 0 0% 4 NA 4 0% 4 0% Hood River 1 1 0% 2 100% 2 0% 2 0% Jackson 11 13 18% 12-8% 12 0% 13 8% Jefferson 1 1 0% 0-100% 1 NA 1 0% Josephine 1 1 0% 1 0% 1 0% 1 0% Klamath 7 7 0% 7 0% 7 0% 7 0% Lane 29 35 21% 36 3% 40 11% 40 0% Linn 9 9 0% 9 0% 9 0% 9 0% Malheur 1 1 0% 1 0% 1 0% 1 0% Marion 11 14 27% 16 14% 20 25% 22 10% Multnomah 78 106 36% 110 4% 125 14% 136 9% Polk 1 1 0% 0-100% 0 0% 0 0% Tillamook 0 0 0% 0 0% 0 0% 1 NA Union 2 2 0% 2 0% 2 0% 3 50% Wasco 3 3 0% 3 0% 3 0% 2-33% Washington 12 15 25% 19 27% 22 16% 22 0% Yamhill 4 4 0% 4 0% 4 0% 3-25% All OR counties 202 247 22% 267 8% 300 12% 317 6% Out of state 3 3 0% 3 0% 3 0% 9 200% Total 205 250 22% 270 8% 303 12% 326 8% 13
Table A4. Agent license classes by county Count of active insurance agent license classes, by county, as of December 31, 1998 General General lines subclasses lines Credit Lender s Mot veh Mot veh County class Baggage IUI 1 Credit property Livestock Mortgage mech brk phys dam Title Baker 46 2 0 0 0 0 0 1 1 1 Benton 98 8 4 1 9 0 0 12 6 0 Clackamas 637 51 46 5 51 0 5 63 44 0 Clatsop 54 2 5 0 7 0 0 10 6 1 Columbia 53 1 1 0 0 0 0 3 0 0 Coos 114 4 9 1 9 0 0 32 16 0 Crook 18 2 1 0 1 0 0 1 1 1 Curry 34 0 0 0 0 0 0 0 1 2 Deschutes 260 20 12 2 19 1 0 22 18 4 Douglas 161 3 8 0 19 0 0 17 12 4 Gilliam 4 0 0 0 0 0 0 0 0 2 Grant 13 0 0 0 0 0 0 1 0 2 Harney 11 0 0 0 0 0 0 0 0 2 Hood River 22 1 1 0 1 0 0 1 2 1 Jackson 371 21 17 3 24 0 0 25 31 3 Jefferson 22 1 1 0 0 0 0 1 1 1 Josephine 122 11 1 1 8 0 0 6 7 0 Klamath 92 6 4 1 5 0 0 13 11 3 Lake 11 0 0 0 0 0 0 0 0 2 Lane 654 39 45 16 69 0 4 182 79 9 Lincoln 64 3 1 0 3 0 6 4 2 0 Linn 170 6 20 0 18 0 0 30 25 0 Malheur 51 2 5 0 4 0 1 2 1 4 Marion 603 35 25 12 44 0 1 68 50 3 Morrow 12 0 0 0 1 0 0 0 2 2 Multnomah 2,125 115 76 25 67 0 2 206 136 2 Polk 50 2 0 0 2 0 0 4 3 0 Sherman 4 0 0 0 0 0 0 0 0 0 Tillamook 30 2 0 0 0 0 0 1 2 0 Umatilla 128 5 7 3 10 0 0 10 10 2 Union 65 3 0 0 3 0 0 0 0 3 Wallowa 16 1 0 0 0 0 1 3 1 3 Wasco 46 9 3 0 5 0 0 9 3 2 Washington 781 52 49 14 63 0 6 92 80 2 Wheeler 3 0 0 0 0 0 0 0 0 2 Yamhill 133 7 2 1 7 0 0 10 9 3 All OR counties 7,078 414 343 85 449 1 26 829 560 66 Out of state 7,247 4 8 6 3 0 2 7 4 0 Total 14,325 418 351 91 452 1 28 836 564 66 1 Credit Involuntary Unemployment Insurance Continued... 14
Table A4. Agent license classes by county (cont d.) Count of active insurance agent license classes, by county, as of December 31, 1998 G L endorsements Health subclasses Life subcl Life endors Interm. Surplus L Surplus L Health Credit Life Credit Variable broker All County agent signatory class health Travel class life annuity endors. 2 classes Baker 0 0 42 10 2 41 11 10 0 167 Benton 0 0 142 33 8 145 33 58 0 557 Clackamas 1 4 956 191 50 980 193 388 0 3,665 Clatsop 0 0 60 22 2 61 22 18 0 270 Columbia 0 1 50 11 1 51 11 16 0 199 Coos 0 0 108 61 4 109 61 36 0 564 Crook 0 0 13 4 2 13 4 1 0 62 Curry 0 0 33 8 0 34 8 10 0 130 Deschutes 0 0 410 89 21 432 91 170 0 1,571 Douglas 0 0 199 75 3 222 77 67 0 867 Gilliam 0 0 4 1 0 4 1 0 0 16 Grant 0 0 12 3 0 12 3 3 0 49 Harney 0 0 12 8 0 13 8 4 0 58 Hood River 0 0 31 7 1 32 7 6 0 113 Jackson 0 0 519 164 22 528 166 202 0 2,096 Jefferson 0 0 16 9 1 16 9 3 0 81 Josephine 0 0 150 79 10 183 79 58 0 715 Klamath 0 0 104 25 6 103 25 28 0 426 Lake 0 0 10 3 0 10 3 1 0 40 Lane 0 2 1,079 414 38 1,114 422 467 0 4,633 Lincoln 0 0 72 29 3 73 29 22 0 311 Linn 0 2 197 76 6 210 77 49 0 886 Malheur 0 0 48 24 2 50 24 12 0 230 Marion 1 7 833 259 35 903 260 319 0 3,458 Morrow 0 0 9 3 0 5 3 1 0 38 Multnomah 4 43 3,457 641 109 3,487 639 1,572 2 12,708 Polk 0 1 72 12 2 76 12 17 0 253 Sherman 0 0 3 0 0 3 0 1 0 11 Tillamook 0 0 29 6 2 29 6 7 0 114 Umatilla 0 0 129 52 4 133 51 42 0 586 Union 0 0 81 19 3 79 18 22 0 296 Wallowa 0 0 11 10 0 11 10 1 0 68 Wasco 0 0 53 22 9 53 22 17 0 253 Washington 3 16 1,359 272 52 1,320 275 591 1 5,028 Wheeler 0 0 1 3 0 1 3 0 0 13 Yamhill 0 0 139 31 7 139 31 39 0 558 All OR counties 9 76 10,443 2,676 405 10,675 2,694 4,258 3 41,090 Out of state 0 0 8,792 35 4 9,523 35 3,575 0 29,245 Total 9 76 19,235 2,711 409 20,198 2,729 7,833 3 70,335 2 Intermediary broker is an endorsement on life, health, or general lines classes. 15
Table A5. Adjuster and consultant license classes by county Count of active insurance adjuster and consultant license classes, by county, as of December 31, 1998 Adjuster Adjuster Adjuster Consultant Consultant Consultant Consultant County Health Gen Lines total Health Gen Lines Life total Baker 0 2 2 0 0 0 0 Benton 0 2 2 5 1 5 11 Clackamas 3 39 42 17 6 17 40 Clatsop 0 2 2 4 4 4 12 Columbia 0 1 1 1 1 1 3 Coos 0 5 5 1 1 1 3 Crook 1 0 1 0 0 0 0 Curry 0 0 0 0 0 0 0 Deschutes 1 14 15 15 5 13 33 Douglas 0 7 7 4 2 4 10 Hood River 0 0 0 2 0 2 4 Jackson 0 24 24 12 1 12 25 Jefferson 0 0 0 1 1 1 3 Josephine 0 8 8 1 0 1 2 Klamath 1 3 4 5 6 5 16 Lane 3 33 36 30 16 28 74 Lincoln 0 2 2 0 0 0 0 Linn 0 6 6 8 6 8 22 Malheur 0 1 1 0 1 0 1 Marion 1 37 38 18 10 18 46 Multnomah 2 187 189 105 58 104 267 Polk 0 1 1 0 0 0 0 Tillamook 0 1 1 0 1 0 1 Umatilla 0 9 9 0 0 0 0 Union 0 2 2 3 2 3 8 Wallowa 0 1 1 0 0 0 0 Wasco 0 0 0 2 1 2 5 Washington 2 59 61 19 8 18 45 Yamhill 0 7 7 1 2 1 4 All OR counties 14 453 467 254 133 248 635 Out of state 7 346 353 5 5 4 14 Total 21 799 820 259 138 252 649 16
Table A6. License class trends Number of active Oregon license classes for insurance agents, adjusters, and consultants at year s end for 1994-98 License class, subclass, 1994 1995 1996 1997 1998 or endorsement Number Number Change Number Change Number Change Number Change Agents: General Lines 10,420 10,798 4% 11,467 6% 12,534 9% 14,325 14% Baggage 295 343 16% 427 24% 411-4% 418 2% Credit IUI 1 0 47 NA 156 232% 250 60% 351 40% Credit 46 49 7% 66 35% 75 14% 91 21% Lender s property 165 210 27% 254 21% 341 34% 452 33% Livestock 2 2 0% 1-50% 1 0% 1 0% Mortgage 26 35 35% 26-26% 31 19% 28-10% Motor Veh Mech Breakdn 432 559 29% 652 17% 796 22% 836 5% Motor Veh Phys Damage 341 451 32% 516 14% 571 11% 564-1% Title 81 75-7% 71-5% 66-7% 66 0% Surplus Agent 7 11 57% 8-27% 9 13% 9 0% Surplus Signatory 77 78 1% 75-4% 77 3% 76-1% Health 14,851 15,245 3% 16,352 7% 17,650 8% 19,235 9% Travel 298 346 16% 427 23% 406-5% 409 1% Credit Health 2,340 2,419 3% 2,536 5% 2,529 0% 2,711 7% Small Employer Health 3,140 3,215 2% 3,312 3% 2,330-30% 891-62% Life 15,502 16,019 3% 17,264 8% 18,607 8% 20,198 9% Credit Life 2,355 2,436 3% 2,548 5% 2,544 0% 2,729 7% Variable Annuity 4,933 5,388 9% 6,164 14% 7,023 14% 7,833 12% Intermediary Broker 2 0 0 0% 0 0% 3 NA 3 0% Adjusters: Adjuster Health 18 18 0% 14-22% 21 50% 21 0% Adjuster General Lines 569 600 5% 666 11% 715 7% 799 12% Consultants: Consultant Health 149 190 28% 211 11% 240 14% 259 8% Consultant Gen Lines 98 112 14% 114 2% 125 10% 138 10% Consultant Life 146 187 28% 210 12% 235 12% 252 7% 1 Credit Involuntary Unemployment Insurance. 2 Intermediary Broker is an endorsement on all three agent classes: General Lines, Health, and Life. 17
Table A7. Agent license class combinations Count of license class combinations of Life, Health, or General Lines for insurance agents with active Oregon licenses, by county, as of December 31, 1998 License classes Life & Health & Life, Hlth, & County Life only Health only General only Life & Health General General General All Baker 1 2 17 11 0 0 29 60 Benton 6 2 33 76 1 2 62 182 Clackamas 55 44 217 509 17 4 399 1,245 Clatsop 2 1 21 26 0 0 33 83 Columbia 2 1 26 22 0 0 27 78 Coos 3 3 52 44 1 0 61 164 Crook 0 0 9 4 0 0 9 22 Curry 2 1 12 10 0 0 22 47 Deschutes 37 13 87 227 3 5 165 537 Douglas 25 7 52 89 6 1 102 282 Gilliam 0 0 0 0 0 0 4 4 Grant 0 0 5 4 0 0 8 17 Harney 1 1 4 5 1 0 6 18 Hood River 2 1 6 14 0 0 16 39 Jackson 38 20 120 251 3 12 236 680 Jefferson 0 0 12 6 0 0 10 28 Josephine 31 4 46 76 6 0 70 233 Klamath 7 11 39 43 3 0 50 153 Lake 1 0 3 2 0 1 7 14 Lane 105 53 206 591 13 30 405 1,403 Lincoln 3 1 21 30 2 3 38 98 Linn 16 7 42 72 10 6 112 265 Malheur 4 0 19 18 2 4 26 73 Marion 87 14 212 439 11 14 366 1,143 Morrow 1 1 5 1 0 4 3 15 Multnomah 235 113 957 2,224 48 140 980 4,697 Polk 4 1 11 33 1 0 38 88 Sherman 0 0 1 0 0 0 3 4 Tillamook 2 1 12 10 0 1 17 43 Umatilla 7 3 52 54 4 4 68 192 Union 3 4 27 40 1 2 35 112 Wallowa 0 0 6 1 0 0 10 17 Wasco 3 1 17 23 0 2 27 73 Washington 73 120 261 742 23 15 482 1,716 Wheeler 0 0 2 0 0 0 1 3 Yamhill 5 3 49 54 2 4 78 195 All OR counties 761 433 2,661 5,751 158 254 4,005 14,023 Out of state 887 139 5,588 7,049 55 72 1,532 15,322 Total 1,648 572 8,249 12,800 213 326 5,537 29,345 18
Table A8. Adjuster license class combinations Count of license class combinations for insurance adjusters with active Oregon licenses, by county, as of December 31, 1998 License classes Health General Health County only only & General All Baker 0 2 0 2 Benton 0 2 0 2 Clackamas 3 39 0 42 Clatsop 0 2 0 2 Columbia 0 1 0 1 Coos 0 5 0 5 Crook 1 0 0 1 Curry 0 0 0 0 Deschutes 1 14 0 15 Douglas 0 7 0 7 Jackson 0 24 0 24 Josephine 0 8 0 8 Klamath 1 3 0 4 Lane 3 33 0 36 Lincoln 0 2 0 2 Linn 0 6 0 6 Malheur 0 1 0 1 Marion 1 37 0 38 Multnomah 2 187 0 189 Polk 0 1 0 1 Tillamook 0 1 0 1 Umatilla 0 9 0 9 Union 0 2 0 2 Wallowa 0 1 0 1 Washington 2 59 0 61 Yamhill 0 7 0 7 All OR counties 14 453 0 467 Out of state 6 345 1 352 Total 20 798 1 819 19
Table A9. Consultant license class combinations Count of license class combinations for insurance consultants with active Oregon licenses, by county, as of December 31, 1998 License class combinations Life & Health & Life, H, & County Life only Health only General only Life &Health General General General All Benton 0 0 1 5 0 0 0 6 Clackamas 0 0 3 14 0 0 3 20 Clatsop 0 0 0 0 0 0 4 4 Columbia 0 0 0 0 0 0 1 1 Coos 0 0 0 0 0 0 1 1 Deschutes 0 2 3 11 0 0 2 18 Douglas 0 0 0 2 0 0 2 4 Hood River 0 0 0 2 0 0 0 2 Jackson 0 0 1 12 0 0 0 13 Jefferson 0 0 0 0 0 0 1 1 Josephine 0 0 0 1 0 0 0 1 Klamath 0 0 2 1 0 0 4 7 Lane 0 2 10 22 0 0 6 40 Linn 0 0 1 3 0 0 5 9 Malheur 0 0 1 0 0 0 0 1 Marion 0 0 4 12 0 0 6 22 Multnomah 2 2 28 74 1 2 27 136 Tillamook 0 0 1 0 0 0 0 1 Union 0 0 0 1 0 0 2 3 Wasco 0 0 0 1 0 0 1 2 Washington 0 1 3 13 0 0 5 22 Yamhill 0 0 2 1 0 0 0 3 All OR counties 2 7 60 175 1 2 70 317 Out of state 0 1 4 3 0 0 1 9 Total 2 8 64 178 1 2 71 326 20
Table B1. Number of agencies Number of insurance agencies with active Oregon licenses at year s end for 1994 through 1998 1994 1995 1996 1997 1998 County Number Number Change Number Change Number Change Number Change Baker 16 14-13% 13-7% 11-15% 15 36% Benton 44 39-11% 39 0% 41 5% 38-7% Clackamas 227 238 5% 242 2% 252 4% 249-1% Clatsop 23 24 4% 25 4% 22-12% 23 5% Columbia 18 22 22% 21-5% 23 10% 20-13% Coos 49 48-2% 49 2% 50 2% 51 2% Crook 7 7 0% 8 14% 9 13% 9 0% Curry 12 13 8% 13 0% 15 15% 18 20% Deschutes 92 94 2% 97 3% 102 5% 102 0% Douglas 55 54-2% 56 4% 58 4% 59 2% Gilliam 2 2 0% 2 0% 2 0% 2 0% Grant 5 6 20% 6 0% 5-17% 5 0% Harney 8 8 0% 8 0% 8 0% 9 13% Hood River 13 14 8% 13-7% 13 0% 12-8% Jackson 122 113-7% 115 2% 118 3% 116-2% Jefferson 7 8 14% 8 0% 8 0% 7-13% Josephine 50 49-2% 50 2% 48-4% 50 4% Klamath 40 40 0% 37-8% 39 5% 37-5% Lake 7 7 0% 8 14% 6-25% 6 0% Lane 248 248 0% 248 0% 243-2% 251 3% Lincoln 29 29 0% 31 7% 28-10% 27-4% Linn 66 71 8% 70-1% 66-6% 61-8% Malheur 24 25 4% 23-8% 20-13% 21 5% Marion 230 239 4% 238 0% 251 5% 235-6% Morrow 7 7 0% 7 0% 6-14% 6 0% Multnomah 690 699 1% 703 1% 712 1% 704-1% Polk 21 20-5% 21 5% 22 5% 21-5% Sherman 2 2 0% 3 50% 2-33% 2 0% Tillamook 15 15 0% 15 0% 16 7% 14-13% Umatilla 57 52-9% 52 0% 54 4% 52-4% Union 18 20 11% 22 10% 25 14% 24-4% Wallowa 13 11-15% 11 0% 11 0% 11 0% Wasco 26 25-4% 26 4% 27 4% 29 7% Washington 273 282 3% 285 1% 296 4% 310 5% Wheeler 3 3 0% 3 0% 3 0% 3 0% Yamhill 53 54 2% 54 0% 48-11% 53 10% All OR counties 2,572 2,602 1% 2,622 1% 2,660 1% 2,652 0% Out of state 2,430 2,667 10% 2,931 10% 3,111 6% 3,268 5% Total 5,002 5,269 5% 5,553 5% 5,771 4% 5,920 3% 21
Table B2. Number of adjuster firms Number of firms with active independent adjuster licenses in Oregon at year s end for 1994-98 1994 1995 1996 1997 1998 County Number Number Change Number Change Number Change Number Change Baker 1 1 0% 1 0% 1 0% 1 0% Clackamas 3 4 33% 5 25% 6 20% 6 0% Clatsop 0 0 0% 1 NA 1 0% 0-100% Coos 1 1 0% 2 100% 2 0% 2 0% Curry 1 1 0% 1 0% 1 0% 1 0% Deschutes 2 3 50% 3 0% 4 33% 4 0% Douglas 1 1 0% 1 0% 1 0% 1 0% Jackson 3 3 0% 3 0% 3 0% 3 0% Jefferson 1 1 0% 1 0% 1 0% 1 0% Josephine 1 1 0% 2 100% 2 0% 2 0% Klamath 1 1 0% 1 0% 2 100% 2 0% Lane 4 3-25% 3 0% 4 33% 4 0% Lincoln 0 1 NA 1 0% 1 0% 1 0% Linn 0 0 0% 0 0% 1 NA 1 0% Marion 2 2 0% 5 150% 6 20% 7 17% Multnomah 23 26 13% 24-8% 27 13% 23-15% Umatilla 3 3 0% 3 0% 3 0% 3 0% Washington 3 7 133% 7 0% 8 14% 8 0% Yamhill 1 1 0% 1 0% 1 0% 1 0% All OR counties 51 60 18% 65 8% 75 15% 71-5% Out of state 18 16-11% 23 44% 29 26% 37 28% Total 69 76 10% 88 16% 104 18% 108 4% 22
Table B3. Number of consultant firms Number of firms with active Oregon insurance consultant licenses at year s end for 1994-98 1994 1995 1996 1997 1998 County Number Number Change Number Change Number Change Number Change Benton 2 2 0% 2 0% 2 0% 2 0% Clackamas 5 5 0% 7 40% 7 0% 8 14% Clatsop 1 1 0% 1 0% 1 0% 1 0% Columbia 0 1 NA 1 0% 1 0% 1 0% Coos 0 0 0% 0 0% 1 NA 1 0% Deschutes 3 3 0% 4 33% 6 50% 8 33% Douglas 0 0 0% 2 NA 2 0% 2 0% Jackson 2 3 50% 4 33% 4 0% 3-25% Jefferson 1 1 0% 0-100% 1 NA 1 0% Klamath 2 2 0% 2 0% 2 0% 3 50% Lane 10 12 20% 11-8% 10-9% 10 0% Linn 4 4 0% 4 0% 4 0% 4 0% Malheur 1 1 0% 1 0% 1 0% 1 0% Marion 5 4-20% 6 50% 7 17% 7 0% Multnomah 33 40 21% 45 13% 45 0% 50 11% Tillamook 0 0 0% 0 0% 0 0% 1 NA Union 0 0 0% 0 0% 0 0% 1 NA Wasco 2 2 0% 2 0% 2 0% 2 0% Washington 5 7 40% 6-14% 9 50% 9 0% Yamhill 2 2 0% 1-50% 1 0% 1 0% All OR counties 78 90 15% 99 10% 106 7% 116 9% Out of state 2 2 0% 2 0% 2 0% 3 50% Total 80 92 15% 101 10% 108 7% 119 10% 23
Table B4. Agency license classes, subclasses, and endorsements Count of active Oregon insurance agency license classes, subclasses, and endorsements, by county, as of December 31, 1998 General General Lines subclasses Lines Bag- Credit Lender s Mort- Mot veh Mot veh County class gage IUI Credit property gage mech brk phys dam Title Baker 7 1 0 0 0 0 1 1 1 Benton 17 3 0 0 3 0 2 1 0 Clackamas 119 26 8 1 9 1 10 10 2 Clatsop 9 1 2 0 2 0 1 2 1 Columbia 13 0 1 0 0 0 1 0 1 Coos 22 3 1 1 2 0 4 5 0 Crook 6 1 0 0 1 0 1 1 0 Curry 9 1 0 0 1 0 0 1 1 Deschutes 38 12 1 0 6 0 2 5 2 Douglas 23 3 0 0 3 0 1 2 3 Gilliam 1 0 0 0 0 0 0 0 1 Grant 3 0 0 0 0 0 0 0 1 Harney 5 0 0 0 0 0 0 0 1 Hood River 6 0 1 0 0 0 2 1 0 Jackson 53 11 3 1 5 0 4 6 1 Jefferson 2 0 1 0 0 0 2 1 2 Josephine 26 6 0 1 4 0 2 3 1 Klamath 16 5 0 0 1 0 5 1 1 Lake 2 0 0 0 0 0 0 0 0 Lane 107 20 2 1 10 0 9 7 6 Lincoln 13 2 0 0 4 1 2 2 1 Linn 27 4 1 0 3 0 2 4 0 Malheur 10 1 0 0 0 0 0 0 2 Marion 110 19 2 2 9 0 9 8 1 Morrow 3 0 0 0 1 0 0 1 2 Multnomah 298 72 10 8 21 1 44 29 2 Polk 12 2 0 0 0 0 0 1 0 Sherman 2 0 0 0 0 0 0 0 0 Tillamook 6 1 0 0 0 0 2 2 0 Umatilla 20 3 1 0 1 0 3 4 1 Union 13 2 1 0 1 0 0 2 2 Wallowa 3 1 0 0 0 0 2 1 2 Wasco 15 3 1 0 2 0 4 1 1 Washington 159 30 6 1 10 0 13 15 0 Wheeler 1 0 0 0 0 0 0 1 1 Yamhill 22 3 0 0 4 0 2 2 3 All OR counties 1,198 236 42 16 103 3 130 120 43 Out of state 2,291 3 0 0 0 0 2 1 0 Total 3,489 239 42 16 103 3 132 121 43 Continued... 24
Table B4. Agency license classes, subclasses, & endorsements (cont.) Count of active Oregon insurance agency license classes, subclasses, and endorsements, by county, as of December 31, 1998 G L endors Health subclasses Life subcl Life endors Interm. Managing Surplus L Health Credit Life Credit Variable Broker Gen Agt County Agent class Health Travel class Life Annuity endors 1 endors 1 Baker 0 7 5 1 8 5 0 0 0 Benton 0 23 11 3 24 11 2 0 0 Clackamas 1 152 44 25 157 44 30 0 0 Clatsop 0 14 6 1 14 6 3 0 0 Columbia 0 14 3 0 14 3 1 0 0 Coos 0 30 15 3 30 15 4 0 0 Crook 0 6 2 1 6 3 0 0 0 Curry 0 10 5 1 11 5 2 0 0 Deschutes 0 62 18 13 67 18 14 0 0 Douglas 0 32 18 3 33 18 5 0 0 Gilliam 0 1 0 0 1 0 0 0 0 Grant 0 2 1 0 2 1 0 0 0 Harney 0 4 3 0 5 3 0 0 0 Hood River 0 7 4 0 7 4 0 0 0 Jackson 0 66 29 12 68 29 11 0 0 Jefferson 0 1 3 0 1 3 0 0 0 Josephine 0 26 11 5 28 11 2 0 0 Klamath 0 17 12 5 19 12 2 0 0 Lake 0 2 4 0 1 4 0 0 0 Lane 3 163 49 18 170 50 29 0 1 Lincoln 0 14 7 2 15 7 1 0 0 Linn 1 30 19 4 36 19 4 0 0 Malheur 0 6 7 1 5 7 0 0 0 Marion 1 141 48 18 146 48 21 0 1 Morrow 0 3 0 0 2 0 1 0 0 Multnomah 25 448 119 70 458 118 98 2 2 Polk 0 16 2 2 16 2 1 0 0 Sherman 0 0 0 0 0 0 0 0 0 Tillamook 0 7 5 1 7 5 1 0 0 Umatilla 0 24 21 3 25 20 3 0 0 Union 0 11 5 2 12 5 1 0 0 Wallowa 0 4 4 0 4 4 0 0 0 Wasco 0 18 4 3 17 4 2 0 0 Washington 7 208 44 30 217 44 41 0 1 Wheeler 0 1 1 0 1 1 0 0 0 Yamhill 0 26 14 4 29 14 5 0 0 All OR counties 38 1,596 543 231 1,656 543 284 2 5 Out of state 0 1,343 7 2 1,490 8 383 0 25 Total 38 2,939 550 233 3,146 551 667 2 30 1 Intermediary broker and managing general agent are endorsements on Life, Health, or General Lines classes. 25
Table B5. Adjuster and consultant license classes for firms by county Count of active insurance adjuster and consultant license classes for firms, by county, as of December 31, 1998 Adjuster Adjuster Adjuster Consultant Consultant Consultant Consultant County Gen Lines Health total Gen Lines Health Life total Baker 1 0 1 0 0 0 0 Benton 0 0 0 1 2 2 5 Clackamas 6 0 6 3 7 7 17 Clatsop 0 0 0 1 1 1 3 Columbia 0 0 0 1 1 1 3 Coos 2 0 2 1 1 1 3 Curry 1 0 1 0 0 0 0 Deschutes 4 0 4 3 8 8 19 Douglas 1 0 1 1 2 2 5 Jackson 3 0 3 2 3 3 8 Jefferson 1 0 1 1 1 1 3 Josephine 2 0 2 0 0 0 0 Klamath 1 1 2 2 3 3 8 Lane 3 1 4 6 8 7 21 Lincoln 1 0 1 0 0 0 0 Linn 1 0 1 3 4 4 11 Malheur 0 0 0 1 0 0 1 Marion 7 0 7 4 5 5 14 Multnomah 23 0 23 27 43 44 114 Tillamook 0 0 0 1 0 0 1 Union 0 0 0 1 1 1 3 Umatilla 3 0 3 0 0 0 0 Wasco 0 0 0 1 2 2 5 Washington 7 1 8 4 8 8 20 Yamhill 1 0 1 1 0 0 1 All OR counties 68 3 71 65 100 100 265 Out of state 36 1 37 2 2 2 6 Total 104 4 108 67 102 102 271 Source: Department of Consumer & Business Services (2/1/99) 26
Table B6. License class trends for firms Number of active Oregon license classes, subclasses, and endorsements for insurance agencies and related firms at year s end for 1994 through 1998 License class, subclass, 1994 1995 1996 1997 1998 or endorsement Number Number Change Number Change Number Change Number Change Agencies: General Lines 2,916 3,040 4% 3,204 5% 3,385 6% 3,489 3% Baggage 197 215 9% 232 8% 248 7% 239-4% Credit IUI 1 0 0 0% 4 NA 30 650% 42 40% Credit 9 10 11% 12 20% 12 0% 16 33% Lender s Property 34 39 15% 43 10% 73 70% 103 41% Livestock 1 0-100% 0 0% 0 0% 0 0% Mortgage 2 4 100% 3-25% 3 0% 3 0% Motor Veh Mech Breakdn 79 102 29% 111 9% 124 12% 132 6% Motor Veh Phys Damage 106 111 5% 118 6% 120 2% 121 1% Title 55 56 2% 48-14% 44-8% 43-2% Surplus Agent 49 49 0% 42-14% 41-2% 38-7% Health 2,441 2,569 5% 2,702 5% 2,835 5% 2,939 4% Credit Health 522 547 5% 550 1% 548 0% 550 0% Travel 204 220 8% 233 6% 241 3% 233-3% Life 2,567 2,723 6% 2,895 6% 3,033 5% 3,146 4% Credit Life 525 550 5% 551 0% 546-1% 551 1% Variable Annuity 469 574 22% 622 8% 646 4% 667 3% Managing Gen l Agent 12 15 25% 27 80% 25-7% 30 20% Intermediary Broker 2 0 0 0% 2 NA 2 0% 2 0% Adjusters: Adjuster General Lines 64 71 11% 85 20% 99 16% 104 5% Adjuster Health 5 5 0% 3-40% 5 67% 4-20% Consultants: Consultant Gen l Lines 49 50 2% 53 6% 60 13% 67 12% Consultant Health 62 76 23% 86 13% 94 9% 102 9% Consultant Life 61 75 23% 85 13% 92 8% 102 11% 1 Credit Involuntary Unemployment Insurance. 2 Intermediary broker is an endorsement on all three agent classes: General Lines, Health, and Life. 27