balbright@iiabl.com (225) 236-1357
IIABL STAFF
Benjamin Albright
Karen Kuylen
Director of Insurance Programs jnewchurch@iiabl.com (225) 236-1350
Director of Accounting & Finance kkuylen@iiabl.com (225) 236-1353
Jamie Newchurch
Director of Communications & Events koregan@iiabl.com (225) 236-1360
Kathleen O'Regan
Karson Kyle
E&O Administrator lyra roberts@iiaba net (225) 236-1352
Communications & Events Administrator kkyle@iiabl com (225) 236-1351
Lyra Roberts
CHAPTERS IN ACTION
Our local chapters have been busy building connection, giving back, and celebrating everything that makes our industry community special.
This fall has been full of momentum across Louisiana as our Baton Rouge and Greater New Orleans chapters brought members together for two standout events that perfectly captured the spirit of IIABL. From laughter-filled gatherings to meaningful charitable efforts, these events weren’t just about networking — they were about strengthening relationships, investing in our communities, and celebrating the people who make our industry thrive.
Every fall, our chapters remind us that the strength of IIABL lies not only in our statewide advocacy or professional development efforts, but in the power of our local members to make a difference right where they live and work. Whether it’s through sharing a meal, raising funds for a worthy cause, or spending a day together on the golf course, these moments of connection help reinforce why our association exists — to bring independent agents together for something bigger than business.
This season, that sense of purpose and camaraderie was on full display at the IIABR Fall Social in Baton Rouge and the IIAGNO Golf Tournament in New Orleans. Both events drew impressive crowds, showcased the generosity and spirit of our members, and made a lasting impact in their communities.
IIABR Fall Social
The Independent Insurance Agents of Baton Rouge hosted its annual Fall Social at BRQ Seafood & Barbecue, and the turnout was nothing short of amazing. Members, guests, and friends of IIABR filled the venue for an evening that blended great food, live entertainment, and meaningful community outreach.
CHAPTERUPDATES
Continued from page 6
Guests enjoyed a delicious spread from BRQ’s kitchen, refreshing drinks, and the lively sound of local musician Kirk Holder, whose music set the perfect tone for the night. The atmosphere was festive and relaxed, as familiar faces and new friends shared stories, reconnected, and celebrated the successes of another productive year. The event featured over 20 door prize winners, generously sponsored by local partners and vendors. Each prize added to the excitement and camaraderie of the evening, keeping everyone engaged and celebrating together. But beyond the fun and fellowship, the IIABR Fall Social carried a heartfelt mission — supporting Pat’s Coats for Kids, a beloved local charity led by Pat Shingleton of WBRZ. Attendees brought coats of all sizes to donate, filling the collection bins and making a visible difference for children in need across the Baton Rouge area.
We were honored to welcome Pat Shingleton himself, who joined the celebration to personally thank members for their ongoing support of the initiative. His presence and message were inspiring, reminding everyone how acts of generosity — both big and small — can bring warmth to those who need it most.
The story didn’t end there. IIABR’s efforts even caught the attention of the local media, as WBRZ featured the chapter’s contributions and community involvement in a segment highlighting their dedication to giving back. It was a proud moment for our members and a wonderful reflection of what can happen when professionals come together not only to network but to serve.
CHAPTERUPDATES
IIAGNO Golf Tournament
Meanwhile, in New Orleans, the IIAGNO Golf Tournament brought together the local insurance community for one of the most anticipated events of the year. Held at the beautiful Audubon Park Golf Course, the tournament welcomed nearly 80 guests and 18 teams for a full day of golf, networking, and fun under perfect fall skies.
From the moment players arrived, there was excitement in the air. The course was lined with booths from incredible sponsors, each adding their own flair — from giveaways and refreshments to networking stations and interactive games. The now-famous bloody mary station, sponsored by AmWins, was a crowd favorite, setting the tone for a day that was as relaxed as it was competitive.
Adding even more joy to the day were the puppies from Take Paws Rescue, who joined the event to raise awareness for pet adoption and local animal welfare. The adorable ambassadors made quite an impression — many golfers took breaks between holes just to stop for cuddles and photos.
Beyond the smiles and wagging tails, the tournament had a real impact. Thanks to the generosity of participants and sponsors, IIAGNO made a significant contribution to Take Paws Rescue, helping further their mission of rescuing and rehoming animals in need throughout the region. It was a powerful reminder that our chapter events can create positive ripples far beyond the fairway.
CHAPTERUPDATES
Looking Ahead: More Chapter Events on the Horizon
from page 8
Our chapter events continue to serve as the heartbeat of IIABL’s local presence — bringing people together, strengthening professional relationships, and making an impact in our communities. As we move into the final months of 2025, we’re excited for two more opportunities to gather before the year ends.
IIABR November Luncheon — November 20 at Juban’s Restaurant
Join us for an engaging presentation from local attorney Christopher Patin, who will unpack some of the trickiest legal challenges facing agents today — from tricky endorsements and policy limitations to insurance requirements in contracts and more Come for the insight, stay for the networking and the exceptional lunch at one of Baton Rouge’s premier restaurants Register here
IIAGNO Past Presidents Christmas Luncheon — December 12 at Metairie Country Club
It’s not your average luncheon — this annual tradition brings together past presidents, board members, and friends for an afternoon of good food, an open bar, and festive celebration It’s a time to reflect on the year’s successes, reconnect with peers, and kick off the holiday season with style Register here
As we look ahead to 2026, we’re already planning another full calendar of local events across the state Each gathering offers new opportunities to connect, learn, and make an impact — and we can’t wait to see even more members join in the fun
HOW RELIABLE IS YOUR WORKERS’ COMPENSATION CARRIER?
Somecompaniescomplicateworkers’ compensationwithfancygimmicks andunclearincentives.Stonetrust offersaccurate,up-frontpricing togetyoufrompointAtopointB withnodropsordelays.Experience exceptionalandpersonalizedservice withStonetrusteverytime.
HALLOWEEN 2025 SPOOKY
MICHAEL GIUSTI SENIOR AUTO & HOME INSURANCE ANALYST & CONTRIBUTOR
In this article, rising costs and traditional Halloween risks highlight the importance of having the right home insurance coverage to protect against vandalism, fires, and other holiday hazards.
FUN, REAL RISKS, AND THE ROLE OF INSURANCE
Halloween remains one of the most celebrated holidays in the U.S., offering people of all ages the chance to don costumes, stockpile candy, and enjoy themed parties. But beneath the fun, Halloween also creates unique risks for homeowners, drivers, businesses, and even community organizers.
This year, the financial backdrop adds a new layer of fright. Rising inflation, shifting tariffs on imported goods, and higher candy and decoration prices are colliding with the usual holiday hazards like vandalism, fires, and auto accidents. That means this spooky season can hit your wallet harder than ever.
The good news: the right insurance protections can turn a frightening financial surprise into a manageable inconvenience.
Home Insurance
Good home insurance can cover multiple issues surrounding the Halloween holiday – and vandalism is near the top of the list.
“Vandalism is covered under a homeowner’s policy on most occasions. It is always important to keep in mind the severity of the vandalism,” says Natale Scopelliti, an insurance agent with Honig Conte Porrino Insurance Agency Inc., in New York, N.Y. “If a property is vandalized on a small scale (i.e., the damage is less than the homeowner’s policy deductible) then it may not pay to file a claim.”
It’s a good idea to reach out to your insurance broker and let them know the extent of the damage and the total cost of repair right away.
“Fortunately, most home insurance and business insurance policies include coverage for vandalism,” says Nick Schrader, an agent at Texas General Insurance. “This will pay to repair or replace the damaged property from a covered loss. However, the insured will need to pay their property deductible before coverage kicks in, which could be as low as $500 or upwards of $5,000 per claim.”
With building materials and repair services becoming more expensive due to labor shortages and tariffs, even minor vandalism or fire claims now carry bigger price tags. Homeowners should weigh carefully whether a claim makes sense under today’s higher deductibles.
Vacant Homes
Vacant homes can also be a major issue if they aren’t properly insured.
Ben Albright
December 2023
“A majority of homeowner’s policies have a vacancy clause which will eliminate glass breakage, vandalism and malicious mischief coverage if the home is vacant for 60 days or more,” Scopelliti says. “I highly recommend that a homeowner speak with their insurance agent or broker before they vacate a home for more than 60 days so they can properly protect themselves ”
Additionally, fire-related issues from a firepit, food burnt in an oven, or from faulty lights can also strike during the Halloween season.
With theft and break-ins rising in some regions, vacant property insurance has become increasingly important for seasonal or inherited homes.
Auto Insurance
Halloween often sees spikes in auto accidents. Drunk driving remains a major concern, and the costs tied to these accidents have grown steeper. Tariffs on imported car parts and supply shortages mean even a minor fender bender could lead to higher repair bills and longer wait times.
Comprehensive and collision coverage, along with uninsured motorist protection, are more critical than ever in helping drivers absorb the financial shock of postaccident repairs.
Business Insurance
Like home insurance, business insurance can protect companies from fires, vandalism, and theft around Halloween or at any time of the year.
“Business insurance like commercial property and liability policies cover Halloween vandalism. File a police report and contact the insurer to start a claim,” says John Terry, an agent at Crossroads IRA, a public insurance adjuster in Katy, Tex.
“It’s important for businesses to review their commercial property insurance policy to understand what type of coverage they have for vandalism and how they can file a claim,” says Linda Chavez, an agent at Seniors Life Insurance Finder in Los Angeles, Cal.
With inflation pushing claim costs higher and courts awarding larger settlements, many businesses are finding that traditional $1 million umbrella policies are no longer enough. Higher-limit policies in the $3–$5 million range are becoming the norm for businesses that expect heavier Halloween foot traffic.
HALLOWEEN
Cemeteries and Memorial Properties
When it comes to cemeteries, damages or theft of tombstones can be a real concern surrounding Halloween. “Cemeteries should consider having coverage for these unexpected events,” says Daniel Ray, founder at InsuranceForBurial.com. Generally, theft or damage to tombstones are covered under the cemetery’s property policy.
Restoring or replacing damaged memorials has become far more costly as material and labor expenses rise, making it crucial for cemeteries and religious organizations to have the right protection in place.
Final Word
Between inflation, tariffs, higher deductibles, and old-fashioned Halloween mischief, the 2025 spooky season carries real financial risks. But with smart planning and updated coverage, you can focus on fun—not fear.
This year, it’s not just goblins and ghouls that can spook your wallet—rising prices and bigger claim costs add a new layer of fright. Reviewing your coverage now can help you enjoy Halloween without unexpected financial scares.
crcgroup.com
INSURANCE AGENCY PAIN POINTS HOW AI CAN ADDRESS INDEPENDENT
NGA PHAN BOLT - HEAD OF PRODCUCT
In this article, insurance agencies are urged to adopt unified, AI-driven platforms to streamline operations, improve efficiency, and strengthen customer relationships in an increasingly digital marketplace.
It’s no secret that insurance agents today face many hurdles affecting agency growth and customer retention rates. Some businesses struggle to identify quality leads, while others are overwhelmed with processing too many. At larger agencies, agents often lack the time to keep up with quoting demands, resulting in delayed follow-ups, lost opportunities and frustrated customers.
IT limitations further complicate this reality. With limited technological abilities and budgets, agencies cannot innovate or effectively optimize processes. This slows down productivity for everyone.
As many insurance agencies struggle to meet customer demands in a digital-first world, adopting artificial intelligence (AI) solutions can make insurance distribution smarter and more efficient, ultimately improving the agency’s bottom line.
Many insurance agencies rely on outdated or fragmented technology. And although the vast majority of agencies have implemented digital tools like customer relationship management systems (CRMs) and agency management systems (AMS), these tools are often not well-integrated and agents are still required to manually enter data across multiple systems and carrier portals.
Without a unified system to streamline the quoting and binding process, workflows are disjointed, and it’s harder for agents to track the customer journey from start to finish. On a larger scale, this leads to major inefficiencies and lost sales opportunities.
Now more than ever, insurance agencies must modernize their systems to meet customers’ preferences for streamlined digital interactions. To achieve this effectively, agencies should utilize a unified, all-in-one platform that integrates core functions and embeds AI capabilities across every stage of the customer journey
AI-based tools can solve many of the challenges confronting today’s insurance agents, helping agencies work smarter, serve clients faster and grow more efficiently. By automating time-consuming tasks and providing realtime insights, AI allows agencies to focus on what matters most: advising clients and building stronger relationships.
PAINPOINTS
Here are three ways AI can address agency pain points:
1) Adopt AI solutions built into technology platforms. These systems are designed to handle the industry’s unique workflows and data requirements, allowing agencies to see value faster without the costly and time-consuming process of customizing generic tools or training vendors unfamiliar with insurance.
2) Improves lead management and engagement. AI can transform how agencies manage their pipeline by automatically scoring, prioritizing and qualifying leads based on their likelihood to convert to a sale. This enables agents to focus on high-value prospects while nurturing others through AI-powered outbound campaigns. These campaigns can raise awareness, encourage application completion and re-engage customers who drop off at various stages of the funnel— maximizing conversion opportunities while minimizing effort.
3) Streamlines data collection and quoting. Instead of agents manually gathering client details for quotes, endorsements or payments, AI-driven data intake tools can instantly collect, validate and prefill the necessary information. From there, AI can generate quick, accurate and bindable quotes across multiple carriers—reducing processing times from hours to minutes and eliminating repetitive administrative work.
Agencies stand to benefit from collaborating with InsurTech companies that offer digital tools to streamline distribution, improve operational efficiency and enhance customer experiences. This can be especially beneficial for insurance agencies operating in markets like Texas and California, where carrier access can be limited.
UPCOMINGEVENTS
IIABL 2025-2026
BOARD OF DIRECTORS & OFFICERS
CHAIRMAN, ROSS HENRY
CHAIRMAN-ELECT, JOE KING MONTGOMERY
SECRETARY-TREASURER, CHRIS HAIK
NATIONAL DIRECTOR, JOHNNY BECKMANN, III
PAST CHAIRMAN, BRET HUGHES
YOUNG AGENT REP, MICHAEL MOBLEY
IASC REP, DAVID DETHLOFF
ANN BODKIN-SMITH
MATTHEW DEBLANC
CHRISTY DESOTO
DOMINIQUE DICARLO CROUCH
ROB W. EPPERS
KARA GARZOTTO
MATT GRAHAM
BEAU HEAROD
CHARLES H. LEBLANC
CRAIG MARTEL
LYDIA MCMORRIS
EUGENE MONTGOMERY, III
HARTWIG "ROBBY" MOSS, IV
SETH OSTENDORFF
ROBERT LOUIS PALMER, JR.
RANDY PERISE
ROBERT STONE
JEFF ZEAGLER
Henry Insurance Service, Inc. - Baton Rouge
Community Financial Insurance Center, LLC - Monroe
Higginbotham Insurance Agency - Lafayette
Assured Partners - Metairie
Hughes Insurance Services, Inc - Gonzales
Moore & Jenkins Insurance Agency, LLC - Franklinton
Dethloff & Associates, Inc. - Shreveport
Thomson Smith & Leach Insurance Group - Lafayette
Continental Insurance Services - Marrero
1st Insurance of Marksville - Marksville
Riverlands Insurance Agency - LaPlace
Risk Services of Louisiana - Alexandria
DJW Insurance Agency - New Iberia
Lincoln Agency - Ruston
Jeff Davis Insurance - Jennings
Bourg Insurance Agency, Inc. - Donaldsonville
Insurance Unlimited of LA, LLC - Lake Charles
Alliant Insurance Services - Baton Rouge
Community Financial Insurance Center, LLC - Monroe
Hartwig Moss Insurance - New Orleans
Dethloff & Associates - Shreveport
Insurance Underwriters, Ltd - Metairie
Blumberg and Associates - Ponchatoula
Stone Insurance, Inc. - Metairie
McClure, Bomar & Harris - Shreveport