HIN 2022-2023 6th Edition

HIN

2022 - 2023 6TH EDITION

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Young Insurance Professionals COMMITTEE SPOTLIGHT

WHAT WE DO: Host EPIC Social Events such as the Charity Corn Hole Tournament and Happy Hours Volunteer with local charities such as Be An Angel, Houston Area Women’s Center, Kids Meals and IICF Dedicated to help any insurance professional start or further their career

Our mission is to empower our young insurance professionals with education, inspiration and opportunities that provide a platform to help launch their career and gain success! Our education, marketing, events and complete structure is focused on the Young Insurance Professional.

We encourage more experienced colleagues to get involved with our cause as well, great leadership and mentors are always welcome! No age restrictions, our committee is a team of individuals working together for a common cause.

Our team is like a family, come and be apart of it!

MEETING

DETAILS

meetings as needed @ 2:00 PM via ZOOM For more info contact, derek@iwp.agency

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HIN

2022 - 2023

FEATURES

6TH EDITION

Texas Hold’em

21-26

Charity Corn Hole

Tournament

27-30 IIAH gives back 31-32

CONTENTS 2 COMMITTEE SPOTLIGHT

4 EVENTS & EDUCATION 5 PRESIDENT & CEO MESSAGE 12 AFFILIATE SPOTLIGHT 13 CPCU UPDATE

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17 CHAIRMAN’S MESSAGE 20 COVERAGE SPOTLIGHT 33 IMPACT 35 HAVE YOU HEARD 37 IN MEMORIAM 41 WHO HAS THE LAST WORD

EVENTS NOV 16th Pickleball Tournament DEC 7th Holiday Happy Hour FEB 20th ELITExas YIP’s Salute to Exhibitors FEB 21st Houston Insurance Day Celebrates IIAH Centennial

Centennial Events Centennial Charity Concert JAN 20th Centennial Golf Tournament SEP 29 - 30

Volunteer Projects NOV 30th Brookwood Community | Poinsettia Sleeving DEC 1st Brookwood Open House

EDUCATION SEP 21st Overview of Oil & Gas Basics 4

COMMITTEES are what breaths life into our association. With 9 active committees there are at least 100 people actively serving the association with their unique skills. We are always looking to put your skills to use, to further drive the association’s mission forward. No matter what your skills are, or what you are passionate about, we likely have something of interest to you. The end result is to better the industry we all serve. Join a Committee today and become part of the mission.

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2023 - 2024 Charitable Projects/ Fire Poster Vice Chairman: Sarah Beck

Education, I.T., CE

Chairman: Michelle Dennis

Vice Chairman: Katrina Masek

Houston Insurance Day

Chairman: Ashley Newton

Vice Chairman: Nancy Euginio

Vice Chairman: Matt Romano

Legislative

Chairman: Kyle Dean

Vice Chairman: Wes Kurtz

IMPACT

Chairman: Wes Kurtz

Recreation

Chairman: Amber Stevenson

Vice Chairman: Carisa Cole

Young Insurance Professionals

Chairman: Derek Pierce

Vice Chairman: Grant Pierce

PR/Media Matters

Chairman: Scott West

Social Media

Chairman: Daphne Clark

Vice Chairman: Cassie Shanks

Houston Insurance News

Chairman: Amy Weimer

Vice Chairman: Cassie Shanks

October 31, 2023

Grateful! Thankful! Blessed!

David Wuthrich Dwuthrich@iiah.org

Those are just three of the words that have been going through my mind during the past month. I am so

thankful to be here writing this message! For those of you who may not know, I had a medical

emergency and spent a week in the ICU. I am fine now, but they still don’t know what caused it, so that

is a little concerning. I used to hear people say live every day to the fullest and didn’t think anything of

it. But I can tell you it has special meaning after the events of the past month.

So, with all we have going on at IIAH and our upcoming Centennial celebrations, I would ask you to

please live life to the fullest. Don’t take anything for granted. Attend as many events as you can,

because you don’t know which one might be your last event. Come and help us celebrate the past 100

years of the IIAH, starting with our fabulous concert by Randall King in January.

Come and help us kickoff our 1 st annual Pickleball tournament in November. If you are an expert or have

never played, again, live life to the fullest and come and join with your friends and business associates

and try this new sport that is sweeping the country!

We will again have a wonderful holiday party in December. Without you, it would not be a party, so

please come out in record numbers this year to celebrate all that we have. It might not be perfect, but it

is pretty darn good compared to what it could be and we are blessed!! I would like to see us have 300

people at the event. That is my challenge to you, I want to have the biggest turnout we have ever had

for this event and I know that we can do it.

Finally, I am grateful for all of the members of IIAH. In visiting with my counterparts around the country,

I know for a fact that we have the best members and staff of any IIA in the country!!! And for that I am

grateful every day.

I can’t wait to see you at upcoming event!

Davi d Wuthri c h IIAH President & CEO 6

ANNUAL SPONSORS Titanium Elite Sponsors Imperial PFS

Burns & Wilcox, Ltd.

CRC Group

Vintage Underwriters

Brown & Riding Platinum Partners for Excellence RT Specialty

Texas Mutual Insurance

WSG Specialty Underwriters Gold Patron Sponsors Chubb

CNA Insurance Companies

Jencap

Travelers

UFG Insurance Company

WRIGHT Flood

NEW MEMBERS New Affiliate Member: Applied Systems

EXECUTIVE

COMMITTEE

Adam Harris

Chairman

Jason Knech

Chairman Elect

Susan Zipperer

Vice Chairman

Jesse Sanchez

Treasurer

John Collado

Treasurer Elect

David Wuthrich

President & CEO

Jason Nybakken Past Chairman

BOARD OF

DIRECTORS

Ryan Beavers

Sarah Beck

Kevin Comiskey

Tom Fitzpatrick

Laurie Dempsey

Robert Oncken

Matt Leicht

Dalton Humphries

William Peachey

John R. Braniff Jr.

Wes Weatherred

STAFF

David Wuthrich

President & CEO

Renee Stager

Sr. Managing Director

Ayla Benavides

Managing Director

Deb McRae

Advertising/Membership

7660 Woodway #535, Houston, Texas 77063

www.iiah.org P: 832. 769.4666 F: 832.324.3503

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CHARITABLE BENEFACTOR B.I.G. Love Cancer Care’s core mission is to meet the most basic and urgent physical, emotional, and financial needs of pediatric oncology and hematology patients and their families.

Our lives changed forever when our three year old daughter Brooke was diagnosed with leukemia. After two years of fighting courageously through intense chemotherapy and a bone marrow transplant, our sweet girl passed away at the age of five. However, she did not depart this life without first leaving behind a remarkable legacy of faith, hope and BIG Love.

Since our start in 2007, we have made it our mission to ease the childhood cancer journey for patients and their families through personalized care. Today, B.I.G. Love reaches more than 100,000 patients and their families annually, offering over 12 service-based programs at 10 Texas hospitals, 52 weeks a year.

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AFFILIATE SPOTLIGHT

Founded in 1980, Brown & Riding (B&R) is one of the largest wholesale brokers in the United States, providing a fully diversified array of products and services in the excess and surplus lines marketplace.

Headquartered in Texas, the company has 20 offices nationwide and is adept at handling all your Property, Casualty, Management & Professional Liability, and Underwriting needs. B&R has been consistently named as one of the Top 10 Largest Wholesalers by Business Insurance, 5-Star Wholesale Broker by Insurance Business America, and has won numerous awards for being one of the best places to work in the industry, including one of America’s 100 Most Loved Workplaces by Newsweek.

Brown & Riding is firmly cemented and dedicated to serving clients in the Houston area and surrounding regions and is the only leading E&S brokerage firm that is 100% internally owned. They are committed to remaining fully independent with a long-term perpetuation strategy that offers top professionals meaningful ownership opportunity. Their ownership model allows them the flexibility to innovate, adapt quickly, and deliver the best results for clients.

Brown & Riding is the first ever wholesale insurance brokerage in the United States to implement a Quality Management System certified to ISO 9001, an internationally recognized quality certification. B&R specialists thrive on teamwork, and the company is organized by expertise, so retailers can always expect the best collective efforts, knowledge, and relationships of the entire firm, not one individual broker.

OCTOBER 2023 - NOVEMBER 2023 By: Wendall C. Braniff

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Go to: https://www.cpcusociety.org/Public/Membership/Join_Renew/Public/Membership/Join_Renew.aspx?hkey=b3555150-eab0-4cdb-93c5-273c2df0013e to join the CPCU Society.

By joining the Society, you will automatically be referred to your local chapter, which you can also join to be included on their mailing list and receive the benefits of attending monthly meetings which offer Continuing Education (CE) credits toward licensing requirements, networking opportunities as well as valuable information, resources and fun social events with industry professionals in the Houston area, which are free to members who pay annual chapter dues, which are Professional Members & Academic $150; Pathways & Post Career $75; Students Free.

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CHAIRMAN’S

MESSAGE Adam Harris

AHarris@acrisure.com

I’m honored and thrilled to begin this new year with the organization as chairman of the incredible board supporting our industry in the Houston area. A huge thank you goes out to Jason Nybakken for serving during another successful and rewarding year with IIAH. From cornhole to a packed golf tournament, to poker and everything in-between, we’ve had a great year of support not only through networking and fostering communication throughout the industry, but charitable efforts that continue to support great causes.

None of this would be possible without YOU and we hope to have another stellar year as we move toward our 100th anniversary for the association.

The volunteers on the board have dedicated many hours this year with a focus on rethinking how we affect not only the insurance industry, but the community in which we serve. Hands-on volunteering events have been an enriching experience for our members and we look forward to more opportunities going forward.

Along with these volunteer events, we’re looking at our schedule of events to see what’s worked and what hasn’t and we welcome feedback from our Association members as we shape the calendar.

I hope you all have a great close to the year as we look forward to 2024!

IIAH Chairman 2023-2024 17

InfoCentral: Business Auto Additional Insureds

COVERAGE SPOTLIGHT By: ANNEMARIE MCPHERSON SPEARS

Third parties often request that they be added as additional insureds on liability policies and that the policies provide primary and non-contributory coverage. Agents have for the most part learned how to deal with such requests on CGL policies, but how can this be done on business auto policies?

Additional Insureds

Most parties that request additional insured status on business auto policies are in fact already considered additional insureds by the terms of the policy. In the Who Is An Insured section, paragraph “c” includes “Anyone liable for the conduct of an insured described above but only to the extent of that liability.” The additional insured endorsements that are available for attachment do nothing to enhance this status – if the person or entity named in the endorsement is not already an insured by the terms of paragraph “c”, then the endorsement does not make them an additional insured.

Endorsement CA 20 48 Designated Insured (ISO) Designates a person or entity listed in the endorsement as an insured, but only to the extent that person or entity already qualifies as an insured in the Who Is An Insured provision.

Endorsement TE 99 01B Additional Insured (TDI) names an additional insured for liability coverage and allows for a 10-day notice of any cancellation.

Primary and Non-Contributory

For the most common exposure – a certificate holder’s vicarious liability arising out of the named insured’s use of an auto owned by the named insured – the auto policy takes care of this automatically. The “Other Insurance” provision of the General Conditions section on the business auto policy provides primary insurance for any covered accident involving an auto owned by the named insured. The ISO CA 04 49 can also be attached to the policy.

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We had a great time playing poker Friday October 6, 2023 at the Porsche River Oaks dealership. What a great night of friendly competition, drinks, Congratulations to our winners:

food and networking. Thank you to everyone who participated and

1st Place: Juan Contreras - RT Specialty

2nd Place: John Bouldin - Texas Mutual

3rd Place: Kevin Anderson - Chubb

Thank you to our sponsors:

Table Sponsor

Imperial PFS

Dealer Sponsor

CRC GROUP

Card Sponsor

Burns & Wilcox

Three of a Kind Sponsor

ePayPolicy

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attended!

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A huge thank you to all that participated in our 4th annual YIP's Charity Corn hole tournament on October 26th! We had an incredible turnout with 40 teams and raised about $15,000 for our charitable partners BIG Love Cancer Care, Literacy Now and Dreamcatchers. This is always a great event, we cannot thank you enough for your support. We look forward to a bigger tournament in 2024.

Thank you to our sponsors that make this event possible!

Venue Sponsor

Amwins

Drink Sponsor

Intact Technology

Bag Sponsor

Chubb North America

Prize Sponsor

Imperial PFS

Board Sponsors

EFG Insurance Agency

Locked In Roofing

Philadelphia Insurance Companies

Weston Risk Management

XPT Specialty

Bronze Sponsor

Specialty Insurance Managers

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Congratulations to our 2023 Corn Hole champs!

1st Place:

Chris Mata - Insgroup

Jon Thompson - Everest

2nd Place:

Jeff Algra - Entrusted

Preston White

3rd Place:

Jason Polynice - Chubb

Robert Perlick- Chubb

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Sixteen wonderful IIAH members volunteered on September 15, 2023, at The Annual Brookwood Fall Fest by helping with the Buffet in the Café, Food Sampling and Greeting/ Carry out. Our members had such a great time giving back and did such an incredible job that two volunteers made Brookwood’s newsletter for increasing their sales that morning.

Brookwood is near and dear to our hearts, and we’re excited to partner with them in other projects coming up this year! So, check our calendar for additional opportunities with The Brookwood Community.

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IIAH volunteered with the Insurance Industry Charitable Foundation (IICF) by participating in the Houston chapter’s annual October Week of Giving. Our volunteers helped with their Veterans Cemetery Clean-up by washing headstones, which was a wonderful opportunity for networking and team building within our association, while honoring those who have made the ultimate sacrifice for our country.

Poinsettia Rings & Spacing:

On October 12, 2023 IIAH volunteers helped with Brookwood's famous Poinsettia season by spending the morning assisting with rings and spacing of plants.

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By: Regan Ellmer

Recently, Billy Crocker, IMPACT Board of Trustees Chairman, and I were privileged to meet with Governor Abbott. During the meeting, we presented a substantial campaign contribution, solidifying our enduring partnership with the governor.

Over the years, Governor Abbott has demonstrated his unwavering support for the insurance industry, reaching out to us on crucial insurance matters. We have consistently had access to him and his top advisors and staff, fostering a productive working relationship.

During our discussion, we delved into the dynamic landscape of the insurance market in Texas and the challenges our dedicated agents encounter while seeking coverage for our valued customers. Governor Abbott posed insightful questions, to which Billy provided thoughtful responses, resonating deeply with the Governor. Additionally, we addressed the persistent challenges faced by the Texas Windstorm Insurance Association.

We took the opportunity to emphasize that the majority of IIAT’s member agencies operate as small businesses. I expressed our gratitude to Governor Abbott for signing the property tax relief bills during the July 2023 special session. These crucial bills modify the franchise tax, resulting in more exemptions for small businesses and reduced paperwork for those who are exempt. Governor Abbott's steadfast commitment to reducing business regulations aligns with our values, and we thanked him for making it a top priority.

In recognition of our generous campaign donation, IIAT will be prominently featured as "hosts" and "VIPs" at all of Governor Abbott's campaign events in this election cycle. If you hear of an event happening in your area and would like to attend, please reach out to us, and we will work with the Governor's campaign staff to ensure your inclusion.

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MAKE YOUR VOICE HEARD

HAVE YO Do you know someone who:

Orchestrated an agency’s reproduction of the play “Best Little Whorehouse in Texas”?

Performed “Boogie Woogie Bugle Boy” in front of hundreds?

Devoted their time unselfishly for the advancement and growth of IIAH?

Of course, we all do ----- Gerri Rougeau!!

Gerri has given unconditionally of her time, her knowledge, and her energy to the Houston insurance

industry. She has inspired and encouraged many to grow and advance both professionally and

personally. Gerri began her journey at the company level working for the Aetna Insurance Company but quickly went to the agency side. Her first position at HARCO Insurance was an account manager, then moved to office manager and onto one of the Principals of the agency. She was instrumental in the growth of the agency into one of the larger competitors in the Houston area.

Her dedication to the growth and stability of the Independent Insurance Agents of Houston cannot be

denied. From the Crawfish Cookoffs at George Bush Park to the Casino Galas at the Adam’s Mark Hotel to the bus trips to the Nutcrackers Market. Oh, the memories and the good times!!!

Gerri was the one of the mainstays of IIAH that increased the membership and the participation from

both agencies and brokers.

Gerri has left an indelible mark on the insurance world in Houston and the State of Texas. Her many

roles have included volunteer, teacher, mentor, agency principal, and friend. All which have helped

elevate the industry she loves. On a personal note, those of us, who have had the privilege to work with Gerri on a day to day basis at HARCO, want to express our gratitude and love to her for her leadership, professionalism, determination, optimism, and of course, the zaniness that she instilled in us.

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OU HEARD Kathryn Noser, Director of Business Development at Vintage Underwriters will often tell you that her approach to agency and carrier relationships comes directly from her time spent as a nonprofit fundraiser. Working for various national non-profit health organizations over the years taught her that everything is about relationships. People give to causes that are important to them, but more importantly – people give to people.

While she left the world of professional fundraising and donor development in 2009, her love of giving back to the community has continued. One of the causes that is most important to her is the fight against cancer.

Kathryn’s first exposure to the impact of cancer came in the early 80’s when her grandmother was diagnosed with breast cancer. Since that time, Kathryn’s dedication to the fight against cancer has only grown with subsequent cancer diagnosis of her father and numerous other family members and friends. In 2016, Kathryn joined VICTORY, a volunteer organization dedicated to funding cancer research in the Greater Houston area, which has raised more than $65 million since it’s inception 37 years ago.

This year, Kathryn is honored to be named one of 3 co-chairs for the 2024 VICTORY Rally Ball.

The event, which raised more than $1.6 million in 2023, will take place on Saturday, April 27, 2024 at the 713 Music Hall in downtown Houston. More than 850 guests are expected to attend this vibrant gala, which features dinner, drinks, live music, auctions and casino games.

The Independent Insurance Agents of Houston is proud to join the fight against cancer as a sponsor for the 2024 VICTORY Rally Ball and invites you to join us.

This year we are “Accelerating Toward a Cure”! For information on how you can get involved, log on to www.victory-houston.org, or contact Kathryn directly at knoser@vintageunderwriters.com.

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IN MEMORIAM

Frederick Paige Butler Frederick Paige Butler

05/24/1940 - 09/22/2023

Frederick Paige Butler, 83, of Columbus, Texas, formerly of Houston, died peacefully at home of heart disease, on September 22, 2023.

Paige was born May 24, 1940, to Noreen King Butler and Frederick Paige Butler, Sr., in South Boston, Virginia. He graduated from Lane High School in Charlottesville, Virginia, in 1958, working his way through high school in a grocery store, and through college playing poker (a tradition his grandson continues). He attended the University of Virginia, graduating in 1962.After graduation and four years in the U.S. Air Force, Paige began a life-long career in the insurance industry in Houston, first writing bonds for utility contractors and eventually insuring oil and gas enterprises. He designed and licensed a control-of-well coverage package which became an international standard marketed through Lloyd's of London. Paige and Ann Rick Lewis were married in 1977, and when friends commented on their long marriage, he would laugh and say it was only because they never wanted a divorce at the same time.

Paige was a lover of beautiful things: clothes, antiques, jewelry, cars, and art; he and Ann collected black and white photography. He collected stamps; in recent years amassing one of the largest collections in the world of pre-revolutionary Cuban stamps. Paige loved taking ocean cruises; he loved big cities, particularly Manhattan; he loved fine food, trying new restaurants and old dives, and the friends who shared these pleasures with him. He loved laughing and had an offbeat sense of humor that frequently confounded his family and friends, and while he often said he aspired to be a curmudgeon, he actually was incredibly generous, especially to his family, who were the joy of his life.

Preceded in death by his parents, his brother Chip, and his dear brother-in-law David Foster, Paige leaves his wife Ann; children Robert Butler, Madeleine Butler, Brandy Jeffries and husband Scott, and Frederick Paige Butler III; grandchildren Sarah Jeffries and Matthew Jeffries, all of whom he adores, numerous beloved nieces and nephews, a grandniece and two grandnephews, and his cherished dog Dewey.

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WHO HAS...

John Collado

THE LAST WORD

Weirdest thing you have ever eaten?

Long neck clams

What is your pet peeve in traffic?

People texting and not paying attention to their

Where do you work?

driving.

USI What sound do you love?

The sound of waves crashing upon a rocky shore.

If you could paint a picture of any scenery, you’ve seen before, what would you paint?

I love great sundown views! Pick any state, country! Favorite time of day!

What was the first thing you bought with your own money?

I helped pay for my first car at 16 years old with money I had earned myself.

If you could choose to stay a certain age forever, what age would it be?

Do you have any hidden talents?

I am told I don’t have any! I do like

woodworking.

What is your favorite flavor of jellybeans?

Lemon

What is your LEAST favorite electronic device?

Those that track all of your moves!

What is the longest car trip you have ever taken?

From Houston to Northern California.

Can vegetarians eat animal crackers?

Yes…don’t know of any that contain any

animal parts, ironically.

Ninjas or pirates?

Everyday is a great day to be alive. I really can’t just pick one specific age. Different experiences all throughout life.

What did you do growing up that got you into trouble?

I can’t repeat that!!!

I’m learning something new everyday from people around me. If we don’t keep

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Anything sports related.

Are you a collector of anything?

Texas artists. Native American vessels and rugs.

What is something you learned in the last week?

learning, we get stale.

Ninjas What was your favorite childhood television program?

Keep it exciting!

At a movie theater, which arm rest is yours?

Whichever one that I am allowed to

use by the person sitting next to me.

ADVERTISE WITH US!

Deb McRae 713-412-0794 debmcrae@aol.com ADVERTISER INDEX 07 IMPERIAL PFS 09 UFG INSURACE 10 NEITCLEM INSURACE 12 STROMAN CONSULTING 16 PEOPLES PREMIUM FINANCE 18 SERVICE LLOYDS 20 ICW GROUP 34 NETSERV 39 RSI INTERNATIONAL 40 BUSINESS CARD ADS