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<h2><a name="WhoIsAPCIA"></a>Who is APCIA?</h2>

The American Property Casualty Insurance Association (APCIA) is the primary national trade association for home, auto, and business insurers. APCIA promotes and protects the viability of private competition for the benefit of consumers and insurers, with a legacy dating back 150 years. APCIA members represent all sizes, structures, and regions&mdash;protecting families, communities, and businesses in the U.S. and across the globe.

With main offices in Chicago and Washington D.C., APCIA serves as a proactive industry thought leader and promotes APCIA&rsquo;s principles of good insurance regulation to all policymakers through the work of advocacy teams in all 50 states, the District of Columbia, and Puerto Rico.

Key Initiatives are driven by APCIA members and include, but are not limited to:

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	<li style="margin-bottom: 5px;">Protecting insurers&rsquo; use of actuarially proven underwriting tools;</li>
	<li style="margin-bottom: 5px;">Reauthorizing the Terrorism Risk Insurance Act to avoid any lapse in the program;</li>
	<li style="margin-bottom: 5px;">Improving disaster mitigation and land use development to protect against losses from natural disasters;</li>
	<li style="margin-bottom: 5px;">Bridging the insurance protection gap and promoting resiliency by working with Congress to secure a long-term reauthorization of the National Flood Insurance Program, with reforms to enhance stability and certainty in the marketplace; enhanced resiliency; and encouraging the expansion of the private flood insurance market and incentives for consumers to purchase flood insurance;</li>
	<li style="margin-bottom: 5px;">Fostering insurance innovation and technology in a responsible way;</li>
	<li style="margin-bottom: 5px;">Supporting comprehensive marijuana standards, including adoption of a federal safe harbor allowing voluntary coverage of state legal marijuana-related activities; stronger safety standards and enforcement, as well as a number of policy elements to reduce the frequency and severity of auto crashes and keep workplaces safe; and</li>
	<li style="margin-bottom: 5px;">Engaging in international insurance trade and regulatory discussions and advocating for open markets and regulatory standards that recognize U.S. regulation that protects consumers and has helped create the largest, most competitive, and financially sound insurance market in the world.</li>
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