Winter 2022 Kentucky IA

Winter 2022

IT’S TIME TO UPDATE YOUR

DISASTER PLAN PG. 7

GETTING TO KNOW

CHAIRMAN

KEVIN DESMOND PG. 30

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2 | Kentucky IA - Winter 2022

WHAT'S

INSIDE

Page 7 THROUGH THE YEARS

Page 15

CONTENTS

7 It’s Time to Update Your Disaster Plan 15 Big I Kentucky Through the Years 26 125th Anniversary Convention Recap 30 Get to Know Chairman, Kevin Desmond 36 2022 Board of Directors

IN

EVERY ISSUE

Page 30

4 From the Chair

38 Advertiser Index

5 From the Commissioner’s Desk

38 Classified Ads

39 Upcoming Events

38 Social Media Links

37 Industry Partners

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3 | Kentucky IA - Winter 2022

Chair From the

2021 was a great year for Big I Ky. We celebrated our 125th anniversary at our convention and had a big turnout. I was especially pleased to see the former Presidents/Chairs who attended our dinner. A special recognition of those present was truly heartwarming. I would also like to extend my sincere gratitude to Ray Robertson for his time as Chair. He was chair during a very challenging time. COVID had dominated our lives, and Ray had the distinction of serving for two consecutive years. I’d also like to thank the board members who all agreed to extend their involvement for another year.

There is an opportunity for all of our association members to review and research some of the many benefits we provide. I’d like to discuss some of them with you now.

My favorite benefit is the E&O program. Our agency saved a significant amount of money when we switched to the association plan. Kristie Weyer does a great job administering the program, as well as, handling the other insurance programs available.

The association provides Free Legal services. The first 30 minutes of a call to our attorney, Rick Pitts, is free. I know our agency has taken advantage of this benefit and your agency should too. Rick’s law practice specializes in insurance issues.

Our association provides members with a host of educational opportunities. We offer Certified Risk Manager (CRM) classes, both in-person and virtual. The convention is always a great opportunity to pick up continuing education hours and is a great opportunity to meet vendors at the trade show.

We also have programs to help with staffing your agency. As a member, you have access to Big “I” Hires.com. This is a great source for HR resources. WAHVE is another benefit that provides the opportunity for you to hire a seasoned and well-trained agency employee to work remotely for your agency. Our agency currently employs a WAHVE, and we couldn’t be happier with her performance.

Big I Ky was the first state association to offer an Insurance Apprenticeship Program. Several of our agencies have an apprentice in their agency.

These are just a few of the many benefits available to our membership. If you are interested in any of these benefits, please contact the board office.

Tara, Kristie, Amy, Katie and Cassie are all willing and able help you with any questions.

In closing, I would like to urge our members to become active in their association. There is a lot of untapped talent within our membership, and utilizing it would be a great benefit to all.

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OFFICERS Kevin T. Desmond

Chair, Bellevue 859.491.5100

Whitney L. Floyd, CIC

Chair-Elect, Henderson 270.827.3543

Laura Yount, CIC, CISR

Vice-Chair, London 606.878.0100

Allen J. Crawford, CIC, CSRM

Treasurer, Somerset 606.679.6311

George “Chip” Atkins III

National Director, Louisville 502.585.3600

Ray A. Robertson

Immediate Past Chair, Mount Sterling 859.498.3410

DIRECTORS Philip Anderton

Lousiville, 502.585.3277

Mark Linkous, CIC

Edmonton, 270.432.3491

John Purdom

Murray, 270.753.4751

Carolyn Reynolds

Richmond, 859.623.8485

Nick Rolf

Fort Thomas, 859.781.0434

Eric Schumacher

Maysville, 606.759.5663

Chris J. Wiseman, CIC

Bowling Green, 270.781.2020

Department of Insurance From the

DOI Commissioner Sharon Clark spoke to the Big I at our recent Convention and mentioned there are 1,800 agents who haven’t gotten their CE and if they didn’t by Jan. 15, 2022 she was going to revoke their licenses back to March 2020.

Here is the letter sent to those not in compliance: IMPORTANT ANNOUNCEMENT For DOI ID: ###### YOU HAVE NOT COMPLETED YOUR CONTINUING EDUCATION REQUIREMENTS, AND MUST DO SO TO AVOID LICENSE CANCELLATION. When the Kentucky State of Emergency is lifted (early 2022), you will have only 60 days to comply and report any outstanding continuing education.

If you fail to comply, your license WILL EXPIRE RETROACTIVE TO THE CE COMPLIANCE DATE. For example, if your CE Compliance Date has been extended since 3/31/2020, then your license cancellation date will be 3/31/2020. You may be penalized as an unlicensed individual on sales commissions or adjuster compensation since 3/31/2020.

Please direct any questions to DOI. LicensingMail@ky.gov or (502) 564-6004.

The Commissioner is not able to supply a column for this issue due to tornado disaster response efforts.

Danny Yackey

Emerging Leader Chair, Louisville 502.380.6481

STAFF Tara T. Purvis

President & CEO

Amy Good

Financial Services Director

Katie Hines

Membership Services Director

Taylor A. Lee

Communications Director

Kristie Weyer, CISR

Insurance Services Director

Cassie Young

Workforce Development Director

5 | Kentucky IA - Winter 2022

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IT’S TIME TO UPDATE YOUR

DISASTER PLAN

BY JEFF YATES

Does your staff understand what is expected of them to safeguard against disasters and what their role will be if a disaster were to occur? This article organizes the major recommendations ACT has made in its disaster planning reports into a checklist, which I hope is easy for agents to use.

Disaster planning is for every independent agency. Nearby construction can take out your electricity or sever your connections to the Internet, putting your staff out of commission for several days. A computer virus can bring your systems down, resulting in costly down time and an inability to service your customers as they expect to be serviced.

Has your agency taken the proper precautions to handle these disasters, let alone a fire, flood, hurricane, tornado, or earthquake? Does your staff understand what is expected of them to safeguard against disasters and what their role will be if a disaster were to occur? The following checklist is based upon recommendations contained in ACT’s reports and is designed to assist agencies in updating their current disaster plans.

IN LIGHT OF RECENT EVENTS THE KEY IS PRE-PLANNING ϰ Think through different contingencies & how agency will respond; develop a written plan; test & practice different scenarios. ϰ Train each employee on his or her roles both to prevent disasters and to help the agency and its customers deal with the aftermath. ϰ Have a plan to access additional staff resources should current staff not be available. ϰ Conduct an annual network assessment of your disaster plan & your security plan, and update as needed. ϰ Maintain valuable papers and agency records off site in a secure facility. ϰ Include specific triggers in your plan that will set it into motion as foreseeable disasters approach.

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TECHNOLOGY POSITIONS AGENCIES TO HANDLE DISASTERS MORE EFFECTIVELY ϰ Move from paper to electronic files wherever possible. Implement download for commercial lines as well as personal lines. The management system is the go to place for client information. ϰ Portability provides a great advantage so you can reach your agency management system, email and other systems anywhere and any time. ϰ Have a substantial agency website with needed agency and carrier contact information. This is where customers will look first after a disaster.

Have your website hosted off- site in area that will not be affected by the disaster. ϰ Claims download will start to become available in the next year. Implement it as soon as possible and encourage your vendor and carriers to offer it promptly. ϰ Customer claims inquiry on the carrier website is an important tool in handling the surge in customer inquiries following a disaster. The industry needs to work to extend this functionality out to the agency website as well. Agents should implement real-time claims inquiry from their agency management system wherever possible to cut the time to handle these inquiries to under a minute. ϰ Give customers and agents the capability to file claims online. This can be more efficient than filing the claims by phone when phone service is intermittent and unreliable. ϰ Implement real-time claims inquiry, real-time rating, and the other real-time capabilities available to you so that you can service customers in as little time as possible and continue to write new business in the aftermath of a disaster.

EMPLOYEE COMMUNICATION ϰ Set up employee phone tree, including emergency contact info for each employee. ϰ Set emergency call in number, email & text messaging for employees.

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TAKE ADVANTAGE OF THIRD PARTY RESOURCES ϰ Consider 24/7 remote telephone service to handle customer inquiries if the agency’s communications are down, as well as the tremendous spike in claims that is possible. These services possess a mirror of the agency’s database. ϰ Consider engaging a firm to provide emergency equipment & facility replacement if needed. ϰ Consider remote hosting of agency management system. ϰ Consider remote service for back up of your data, in addition to your tape back ups. ϰ Host your agency website in a secure facility out of the area where the disaster might strike. ϰ Consider hosting your email off site or have a back up Internet agency email account. ϰ Consider having a technology firm to provide emergency services, help desk, on-site assistance and equipment when needed. ϰ It is important to formulate these relationships in advance, and understand your vendors’ disaster plans. ϰ Pre-arrange to have a temporary office at branch or “buddy” agency. ϰ Make provision for emergency housing following a disaster if needed. ϰ Have maintenance contract for generator, including refueling in the aftermath of disasters.

CUSTOMER COMMUNICATION ϰ Maintain customer emergency contact information. ϰ Give customers emergency contact information for agency. ϰ Train customers to go to agency website for emergency contact information for agency, their carriers, and other services. ϰ Consider a letter to customers at start of hurricane season detailing their carriers, coverages, and emergency contact info for the agency and their carriers. ϰ Consider ad campaign to encourage consumer preparedness for disasters, with helpful information located on agency website. ϰ Consider using email and automatic call outs providing customer information when a storm is imminent. ϰ Reach out to customers in aftermath with website, signage, newspapers, radio, and TV. Prepare messages in advance.

LISTS/INFO NEEDED IN ELECTRONIC & PAPER FORM ϰ Employee telephone tree with emergency contact info. ϰ Carrier contact info. Carrier passwords (take security precautions with respect to this information). ϰ Phone company & other agency vendor contact info. ϰ Contacts for emergency assistance & services. ϰ Complete customer list, with emergency contact info, location addresses, policies, carriers, limits, deductibles, and lienholders. ϰ Rolodex and copies of the disaster plan. ϰ Expiration list of policies to be processed for next six months. Activity lists of things coming up for next two months. ϰ Equipment inventories and valuable agency papers. ϰ Take security precautions with regard to all of this information!

TELEPHONES ϰ Switch over phone lines at the phone company switch to emergency service before disaster.

Investigate capability to do this automatically online. ϰ Have access to multiple cell phone services, satellite phones, and text messaging. ϰ Implement Voice over Internet for back up communications capability. ϰ Have alternative phone line that bypasses the telephone switch in your office to which the agency’s regular phones can be switched if you lose power.

COMPUTERS ϰ Have multiple ways to reach the Internet. ϰ Take advantage of wireless and portability. Have laptops with broadband mobile access cards and wireless Internet. ϰ Have smart phones & PDAs with cellular broadband access that can act as a high speed modem. ϰ Seriously evaluate ASP option for agency management system.

Ask how they can help if you don’t have Internet connection. ϰ Have procedures for properly turning on and off critical equipment, including the UPS battery backup units. Test these procedures periodically. ϰ Investigate portable satellite dish for Internet access which is coming on the market.

9 | Kentucky IA - Winter 2022

BACK UP OF AGENCY DATA IS ABSOLUTELY CRITICAL ϰ Create daily back ups, and have two trusted, authorized employees alternate taking the daily tapes to two different locations. Also maintain monthly and annual tapes. ϰ Perform test restore at least monthly to test the integrity of the tape and the integrity of the data. ϰ Invest in secondary form of data archiving to provide redundancy (tape, remote, external hard drive). ϰ Seriously consider using online remote service as primary back up method, coupled with tapes. ϰ Be prepared to Fed-Ex a tape of the latest database to agency management system’s data center if a disaster is imminent. ϰ Keep copy of back up software, with its key code, off site in a secure place. ϰ Manage the security risks presented when taking each of these steps.

GENERATORS ϰ Consider having a permanent generator large enough to supply continuous power to entire facility, wired for automatic cross-over, located in as safe a place as possible. ϰ Each server & work station needs to be fitted with a proper Uninterrupted Power Supply (UPS). ϰ Never plug computer equipment directly into a generator. ϰ Test generator under an electrical load to make sure it is producing electricity. ϰ Contract with vendor to provide ongoing maintenance and testing and to deliver fuel in emergencies.

WHEN A FORESEEABLE DISASTER IS IMMINENT ϰ Fed-Ex a tape of the latest database to the agency management system’s data center. ϰ Consider email and automatic call outs to customers with emergency contact information. ϰ Staff should complete processing of all work that is outstanding, especially as it relates to coverage relating to the disaster. ϰ Make sure all needed lists are up-to-date in paper form, as well as exported to a laptop & portable storage device. Tight security is imperative on each of these items. ϰ Make sure all employees know their assignments & have made clear how they can be reached in emergency. ϰ If possible, load your agency management system application onto a laptop along with your “latest and greatest” data file for instant access. Take all security precautions to protect your data. ϰ If you utilize an on-line data backup service, upload to them if possible. ϰ Wrap and label all employee work to be done to protect it. ϰ Take reasonable steps to protect all equipment. ϰ Redirect your phone numbers before the disaster. ϰ Disconnect all electrical equipment from the wall. ϰ If destruction of file server is imminent, consider taking the server with you if you know how to disconnect it and handle it safely. ϰ Shut off water and gas lines. ϰ Have needed provisions on hand, including enough cash for a few weeks.

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NEEDED PROVISIONS ϰ Fans, extension cords, batteries, flashlights, batterypowered lamps and radios, and low heat, low-energy lighting available to use with your generator. ϰ Sufficient bottled water to handle employees’ and customers’ needs for two weeks. ϰ Canned or dry food goods that do not require refrigeration or cooking, as well as beverages and snacks for employees & customers. ϰ Can openers, paper/plastic utensils, plates and cups, trash bags, bleach, paper towels and cleaning supplies, and hand wipes. ϰ First aid supplies and blankets. ϰ Have paper ACORD claims forms available, carbon paper, and other office supplies, as well as digital cameras. ϰ Matches, barbeque grill, fuel for grill.

SPECIAL NEEDS ϰ Be aware there will be significant emotional and psychological effects after major events. ϰ Provide drinks & food. ϰ Have a volunteer or staff member manage the client process, create waiting lists, and direct claims process traffic. ϰ Staff should caucus each day to adjust response as necessary.

CARRIER ISSUES ϰ Understand in advance each of your carrier’s CAT plans, the local presence they will have, and how they will permit you to make multiple claims efficiently. ϰ Understand how your MGAs, E & S Brokers, and their carriers will handle claims. ϰ Seek draft authority or methods to provide customers with emergency funds immediately. ϰ Seek the ability to file claims online, since other types of communication may be intermittent or nonexistent.

E&O CONSIDERATIONS ϰ Document in writing prior to the anniversary date if you are unable to replace coverage. ϰ Advise customers of significant reductions in coverage when you replace coverage with a new carrier or write/renew the coverage with a surplus lines carrier and secure customer’s written acknowledgement of the reduction in coverage. Where an admitted carrier renews the policy, state laws usually put the obligation on the carrier to notify the customer of reductions in coverage (not so with a non-admitted carrier). ϰ Be especially careful to follow all of the laws with surplus lines placements, point out coverage reductions or coverage gaps to customers, along with the fact that surplus lines carriers are not typically covered by the guaranty fund. Get binders, certificates or other evidence of insurance from the surplus lines broker because the retail agent does not have binding authority for this business. ϰ Advise the customer in writing of any adverse change in the carrier’s A.M. Best rating during the policy term. ϰ Request a signed rejection form from customers that refuse available coverage for flood insurance (and/or earthquake insurance in appropriate areas). Clearly communicate to customers the exposed limits on their risks. ϰ Create a well documented file.

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SUMMARIZING KEY POINTS ϰ Pre-plan. Have redundancy in communications, Internet access, and back ups. ϰ Make arrangements with third party emergency resources. ϰ Become paperless; implement download & realtime. ϰ Understand critical nature of good data back-ups to recovery. ϰ Take advantage of wireless technologies for voice and data, as well as the portability of PCs and portable devices. ϰ Have emergency contact info for employees, customers, carriers, and third party emergency resources. Have needed lists of information. ϰ Make sure employees & customers know how to reach you. ϰ Know your carriers’ CAT plans. ϰ Carefully evaluate the E&O exposures that arise in these situations and manage them.

ABOUT THE AUTHOR Jeff Yates is Executive Director of the Agents Council for Technology (ACT) which is part of the Independent Insurance Agents & Brokers of America.

Jeff Yates can be reached at jeff.yates@iiaba.net.

ACT’s many reports and business improvement tools can be found at www.independentagent.com/ act. This article reflects the views of the author and should not be construed as an official statement by ACT.

Thank You! Agents

We appreciate your support in 2021 and wish you the very best for the new year.

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12 | Kentucky IA - Winter 2022

PROFESSIONAL LIABILITY COVERAGE

SHELTER FROM THE STORM

E&O claims often accompany the extraordinary claims volume associated with natural disasters.

Agents who are covered by Westport can focus on helping their customers with claims (instead of worrying about their own).

CATASTROPHE EXTRA EXPENSE COVERAGE Pays up to $25,000 per catastrophe (subject to a per policy period aggregate limit of $50,000) for costs your agency incurs to help customers with storm-related claims, including:

Increased temporary staffing needs

Generator purchased on date of the storm or within 30 days

Regular staff overtime paid

Meals for staff working through lunch or dinner

Plan overages on cell phone

DEDUCTIBLE REDUCTION FEATURE If you need to file an E&O claim and can demonstrate you offered coverage and the customer declined it, you pay no deductible up to $25,000 for each claim that meets the terms.

13 | Kentucky IA - Winter 2022

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THROUGH THE YEARS

125 YEARS

OF RICH HISTORY

STATE LEGENDS PAST PRESIDENTS

A.G. Simrall 1896-97 Covington, KY

M.W. Rudd

1902-03 Owensboro, KY

H.V. Davis

A.H. Robinson

Thomas S. Dugan

W.H. Weaver

H.F. Duncan

Alfred Pirtle

S.D. Langsley

1898-99 Louisville, KY

1900-01 Louisville, KY

1904 Louisville, KY

1905 Louisville, KY

1906-07 Louisville, KY

1908-10 Henderson, KY

1911-12 Madisonville, KY

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Thomas C. Timberlake

James J. Hackworth

Charles J. Baugh

Carl D. Herdman

Norman A. Chrisman

Donald H. Putnam, Jr.

S.B. Moxley

J. Bryant Lawton

Cecil E. Yearly

J.G. Galloway

Sheridan C. Barnes

Edgar P. Stamper

A. Gordon Sulser

J. Ernest Fall, Jr.

James W. Harris

Charles J. Smith

Hiram E. Redman

Harry W. Houlihan, Jr.

1913-15 Louisville, KY

1916-17 Bowling Green, KY

1918-19 Shelbyville, KY

1920 Bowling Green, KY

1921-22 Maysville, KY

1923-25 Lexington, KY

1942-43 Shelbyville, KY

1944 Pikeville, KY

1945 Central City, KY

1946-47 Elizabethtown, KY

1948 Fulton, KY

1949 Ashland, KY

1960 Mayfield, KY

1961 Ashland, KY

1962 London, KY

1963 Hopkinsville, KY

1964 Louisville, KY

1965

Lexington, KY

Paul H. Eastham

James C. Hulett

Harold B. McGuffey

Harry B. Wilson

C.S. Gardner

Alva O. Inman

Norman I. Taylor

Hendree B. Milward

J.M. Van Zandt

Len S. Shaw

Charles Moore

Joseph B. McClain

Joseph H. Gausepohl

Guy Billington

Charles M. Moore

G.R. Reed

Robert A. Lawton

C.J. Cronan, III

Dwight R. Peel

J.R. Montgomery, Jr.

William L. Fossett

Addison T. Whitt

Louie W. King

Albert J. Torstrick, Jr.

S. Roy Woodall

Charles B. Chrisman

W. Michael Desmond

1926-28 Ashland, KY

1928-30 Irvine, KY

1930-31 Burnside, KY

1931-32 Mayfield, KY

1932-33 Covington, KY

1934-36 Columbia, KY

1936-38 Benton, KY

1938-40 Winchester, KY

1940-42 Paducah, KY

16 | Kentucky IA - Winter 2022

1950 Frankfort, KY

1951-52 Owensboro, KY

1953 Lexington, KY

1954 Bowling Green, KY

1955 Murray, KY

1956 Central City, KY

1957 Springfield, KY

1958 Olive Hill, KY

1959 Pikeville, KY

1966 Smiths Grove, KY

1967 Elizabethtown, KY

1968 Louisville, KY

1969 Paris, KY

1970 Bowling Green, KY

1971 Louisville, KY

1972 Fulton, KY

1973 Lexington, KY

1974 Bellevue, KY

Homer Austin

Bradley D. Smith

James D. England

George G. Rupert

Bruce B. Coates

Joe R. Barnes

John Causey

Timothy A. Murphy

Keith B. Riley

R.C. Riley

Greg B. Milward

Stephen R. Kinkade

James E. Carrico

L.B. Colson

Sandra T. Blain

Reyburn W. Ford

Michael D. Hepp

Phillip D. Hunt

David W. Curneal

T. Charles Cravens

Timothy X. Conder

Frank X. Gross

Dennis D. Desmond

William S. Latta

William B. Greenwood

C.R. Lowe

John Funkhouser

Michael D. McCandless

1975 Paducah, KY

1976 Ashland, KY

1977 Henderson, KY

1978 Benton, KY

1979 Louisville, KY

1980 Owensboro, KY

1981 Elizabethtown, KY

1982 Fort Thomas, KY

1983 Central City, KY

1990 Florence, KY

1991 Winchester, KY

1992 Hopkinsville, KY

1993 Lexington, KY

1994 Benton, KY

1995 Bowling Green, KY

1996 Hodgenville, KY

1997 Bellevue, KY

1998 Ashland, KY

2006 Pikeville, KY

2007 Lexington, KY

2008 Benton, KY

2009 Leitchfield, KY

2010 Lexington, KY

2011 Prestonsburg, KY

2012 Louisville, KY

2013 Henderson, KY

2014 Danville, KY

1984 Glasgow, KY

Allen Rudd

1999 Madisonville, KY

Michelle L. Love

Albert J. Torstrick, III

Steven M. Ford

David A. Houk

Roger D. Kephart

Charles M. Polin

George L. Atkins, III

William G. Stiglitz, III

A. Lynn McCandless

Michael G. Johnson

George G. Wilson, III

William D. Gorman, Jr.

Aaron LaRue

1985 Lexington, KY

1986 Fulton, KY

1987 Louisville, KY

1988 Whitley City, KY

Robert W. Sams 1989 Somerset, KY

2000-01 Owensboro, KY

2002 Springfield, KY

2003 Glasgow, KY

2004

Hazard, KY

Tommy Adams 2005 Bowling Green, KY

2015 Owensboro, KY

2016 Horse Cave, KY

2017 Louisville, KY

2018 Lexington, KY

2019 Bardstown, KY

Ray Robertson 2020 Mount Sterling, KY

17 | Kentucky IA - Winter 2022

HISTORICAL EVENTS

TIMELINE

1780

Louisville’s first fire brigade was formed and every homeowner was required to join.

1802

The first insurance company in Kentucky was chartered in Lexington.

1818

1807

A trained elephant was used for fire protection in Louisville and homeowners had to pay $10 every time it was used. The money was used to buy ladders for the brigade.

The first insurance company in Louisville was founded.

1861-1865 The Civil War – During these hazardous times, dwelling fire rates ranged from 50 cents to $2 per $100 of insurance; commercial rates ran as much as $10 per $100.

1871 The great Chicago Fire occurred. The losses were huge and there was talk of raising rates by as much as 25% even in Louisville.

1889

An Inspection Department was established to educate people in fire prevention. This saved the insurance industry thousands of dollars.

1896-1898

First National President A.G. Simrall (Covington)

1904

IIABA President A.H. Robinson (Louisville) 18 | Kentucky IA - Winter 2022

1858

The Board of Underwriters presented Louisville with its first steam-powered fire engine and significantly reduced fire rates. The city then created its first Fire Department to replace volunteer units.

1870

The Kentucky legislature set up the Insurance Bureau of Kentucky to which all insurance companies had to report, it is known today as Department of Insurance.

1876 The fire alarm was invented and greatly improved the system of fire protection.

1890 The insurance industry had to consider damage caused by tornados and cyclones.

1896

The National Association of Agents was organized.

The meeting marked the beginning of the Independent Insurance Agents and Brokers of America.

Alfred Pirtle of Louisville paid $1 to the national association and was dubbed “Member #1”.

1906

1913 The bylaws had to be changed due to the establishment of casualty and surety departments which prompted the name change to the National Association of Insurance Agents (NAIA).

1919

The Association approved a resolution that fire & casualty expirations belong to the writing agent.

1944

The McCarran-Ferguson Act stated the industry is subject to regulation but left regulatory specifics to the states.

Auto Insurance exploded after WWII and became the largest line of P&C Coverage.

1952 Peyton Bethel received the first ever Cherokee Cup – this award would become Insuror of the Year award and later the E. Starling Holloway Award.

Bethel was presented with a television set.

1968

IIABA President Charles B. Chrisman (Pikeville) National Flood Insurance Program was created.

1975

Mike Hepp met with the IIABA Board and saved the Young Agent program on the National Level.

1982 Louisville Board decided to merge with the state association. Paul Zimmerman was hired as Communications Director and IIAK’s first Magazine, Kentucky IA was published.

The horse and buggy gave way to the automobile.

No single invention changed the world more than the automobile. Henry Ford is credited with building and driving his first car as early as 1896.

1914

Began defending insurance rates, expenses and commissions in response to unfair legislation.

1937

The Ohio River Flood affected most towns it bordered. Flood damage was reported at $250 million an incredible sum for the time.

1946

At the Association’s 50th Annual Convention, there was a panel discussion on the new Motor Vehicle Safety Responsibility Act. There were 380 people in attendance.

1956

A national contest was held to devise a new logo for the Association. At the September 1956 annual convention, the new logo was unveiled.

1972

Kentucky young agents group was formed in Kentucky, led by George Atkins.

1980

Actor Raymond Burr who played TV’s Perry Mason became IIABA’s spokesman.

1983 Tim Murphy of Hopkinsville served on the IIABA Young Agent Committee.

19 | Kentucky IA - Winter 2022

1984 Kentucky Young Agents Committee receives The Outstanding Young Agents Committee Award from IIABA.

1991 IIABA President R.C. Riley (Benton)

Kentucky Young Agents Committee receives The Outstanding Young Agents Committee Award from IIABA. Steve Ford of Owensboro served as IIABA Young Agent Committee Chair.

1993-1994 Michael D. Hepp served as IIABA Young Agent Committee Chair.

1994 Federal Crop Insurance Reform Act went into effect.

1998 IIABA President William B. Greenwood (Central City)

2001-2003 Keith Riley served as IIABA Young Agent Committee Chair.

2006

Hurricane Katrina hit the southeastern part of the United States.

2009 Kentucky Young Agents Committee receives IIABA Outstanding Membership Development Award.

2016

1996

Tommy Adams served as IIABA Young Agent Committee Chair.

2001 September 11 the worst terrorist attack on US Soil. Terrorism Risk Insurance Act (TRIA) was enacted.

Trusted Choice Brand was launched.

2005 IIABA President William G. Stiglitz (Louisville)

2008

The Great Recession and Congress was under pressure to make changes to the financial regulatory system.

2010 Affordable Care Act went into effect.

Independent Insurance Agents of Kentucky wins Maurice G. Herndon National Legislative Award from IIABA.

2019 Independent Insurance Agents of Kentucky changes their name to Big I Kentucky 20 | Kentucky IA - Winter 2022

1988

2017 Tax Cuts and Jobs ACT which slashed taxes for independent agencies whether organized as a Corporation or a Pass Through Entity.

STATE LEGENDS PAST EMERGING LEADER CHAIRS George Atkins

Bruce Coates

Steve Vaughn

Martin Koetters

Steve Crawford 1987 Bellevue, KY

John Ison

2001 West Liberty, KY

Michael Hepp

Joe Barnes

Shannon Desmond Walz

Allen Whitenack

Jim Downing

Keith Riley

Bill Greenwood

Malcolm Blane

Jordan Clarke

Roger Kephart

Patricia Shofner 1991 Pikeville, KY

Jeff Greer

2005 Brandenburg, KY

Dennis Desmond

David Gross

Charles Adams

Nelson Inman

Rudy Schlich

George Wilson, IV

Jerry Prather

1972-73 Hopkinsville, KY

1974 Louisville, KY

1975 Bowling Green, KY

1976 Harrodsburg, KY

1977 Central City, KY

1978 Fulton, KY

1979 Bellevue, KY

1980 Elizabethtown, KY

1986 Winchester, KY

1988 Benton, KY

1989 Maysville, KY

1990 Hopkinsville, KY

1992 Fort Thomas, KY

1993 Louisville, KY

1999-2000 Corbin, KY

2002 Bellevue, KY

2003 Benton, KY

2004 Scottsville, KY

2006 Bowling Green, KY

2007 Whitley City, KY

1981 Somerset, KY

Tom Million

1994 Mount Sterling, KY

David Clarke

Tim Murphy

Mike Bitters

Michael Johnson

Brad Colson

Benita Cravens

Carolyn Reynolds Bogie

Brad Smith

Roy Riley

Aaron LaRue

Steve Ford

Rob Turner

Virginia Goff

1982 Hopkinsville, KY

1983 Benton, KY

1984 Florence, KY

1985 Owensboro, KY

1995 Louisville, KY

1996 Somerset, KY

1997 Benton, KY

1998 Hopkinsville, KY

2008 Russelville, KY

2009 Lexington, KY

2010 Berea, KY

2011 Bardstown, KY

2012 Bardstown, KY

21 | Kentucky IA - Winter 2022

Hobert Duggar 2013 Lexington, KY

Neel Ford

2016 Owensboro, KY

Nicholas Rolf

Mark Ross Richey

Eric Harden

Adam Sheridan

Adam Murphy

Danny Neely

2014 Central City, KY

2017 Louisville, KY

2015 Cadiz, KY

2019 Fort Thomas, KY

2020-21 Somerset, KY

2018 Winchester, KY

AWARD WINNERS

E . S TA R L I N G H O L LO WAY F O R M E R LY I N S U R O R O F T H E Y E A R

James E. Carrico

George G. Wilson, III

1979 Louisville, KY

2005 Whitley City, KY

Peyton B. Bethel

J.M. Van Zandt

Reyburn W. Ford

Frank X. Gross

Norman A. Chrisman

Joseph B. McClain

E. Starling Holloway

Donald I. Renau

Sheridan C. Barnes

Charles J. Cronan III

Frank X. Gross

R.C. Riley

A.G. Harrison

William E. Clark

Michael D. McCandless

William G. Stiglitz, III

Hendree B. Milward

Charles J. Baugh

William B. Greenwood 1986 Central City, KY

Jeff Greer

2010 Brandenburg, KY

Charles H. Moore

Jack Voigt

Paul G. Franz

Dennis D. Desmond

J.R. Montgomery Jr.

Charles M. Moore, Jr.

Eric Tachau

Paul G. Franz

Robert A. Lawton

Albert J. Torstrick, Jr.

T. Charles Cravens

Darlene Rufra

1959 Central City, KY

1971 Lexington, KY

Harry S. Houlihan, Jr.

Robert D. Preston

William B. Greenwood

Michael D. Hepp

Charles B. Chrisman

George G. Rupert

Albert J. Torstrick, III

Peggy P. Porter

James W. Harris

Alford Gustafson

Thomas Ferreri 2002 Louisville, KY

Jay Hall

2018 New Castle, KY

Harold B. McGuffey

R.C. Riley

Robert Wessel Sr.

James England

1964 Louisville, KY

1952 Louisville, KY

1965 Paris, KY

1953 Pikeville, KY

1966 Louisville, KY

1954 Elizabethtown, KY

1967 Louisville, KY

1955 Louisville, KY

1968 Mayfield, KY

1956 Lexington, KY

1957 Bowling Green, KY 1958 Springfield, KY

1969 Louisville, KY

1970 Bowling Green, KY

1960 Lexington, KY 1961 Pikeville, KY

1962 Louisville, KY

1963 Smiths Grove, KY

22 | Kentucky IA - Winter 2022

1972 Lexington, KY 1976 Ashland, KY

1977 Louisville, KY 1978 Benton, KY

1980 Owensboro, KY

1981 Madisonville, KY 1982 Fort Thomas, KY 1985 Glasgow, KY

1989 Louisville, KY 1991 Louisville, KY

1996 Hodgenville, KY

1999 Central City, KY 2001 Lexington, KY

2003 Louisville, KY

2006 Fort Thomas, KY 2007 Louisville, KY 2008 Benton, KY

2009 Louisville, KY

2012 Bellevue, KY

2013 Louisville, KY 2014 Louisville, KY

2015 Bowling Green, KY 2017 Louisville, KY

2019 Pikeville, KY

MICHAEL D. HEPP

F O R M E R LY O U T S TA N D I N G YO U N G A G E N T O F T H E Y E A R

Tom Million

David Clarke

Mike Bitters

Michael Johnson

1995 Mount Sterling, KY 1996 Louisville, KY

2008 Russellville, KY

2009 Lexington, KY

Allen Whitenack

Brad Colson

Benita Cravens

Carolyn Reynolds

George Atkins

Brad Smith

Roy Riley

Aaron LaRue

Michael Hepp

1973 Harrodsburg, KY 1974 Hopkinsville, KY

1984 Benton, KY

1985 Florence, KY

1997 Somerset, KY 1998 Benton, KY

2010 Berea, KY

2011 Bardstown, KY

1975 Bowling Green, KY

Steve Ford

1986 Owensboro, KY

Tommy Adams

Virginia Goff

Tom Rupert

Charles Cravens

Steve Vaughn

Hobert Duggar

Bill Greenwood

Steve Crawford 1988 Bellevue, KY

John Ison

2001 West Liberty, KY

Mark Ross Richey

Roger Kephart

Bruce Coates

Shannon Desmond Walz

Adam Murphy

Jerry Prather

Jim Downing

Keith Riley 2003 Benton, KY

Neel Ford

2016 Owensboro, KY

Dennis Desmond

Paul Schlich, Jr.

Jordan Clarke

Eric Harden

George Wilson

Robert Billington, Jr. 1992 Murray, KY

Jeff Greer

2005 Brandenburg, KY

Danny Neely

Tim Murphy

David Gross

Charles Adams

Nicholas Rolf

Rusty Purdy

Rudy Schlich

George Willson, IV

1976 Ashland, KY

1977 Central City, KY 1978 Fulton, KY

1979 Somerset, KY 1980 Bellevue, KY

1981 Whitley City, KY 1982 Hopkinsville, KY 1983 Lexington, KY

1987 Hodgenville, KY

1989 Winchester, KY 1990 Maysville, KY 1991 Louisville, KY

1993 Fort Thomas, KY 1994 Louisville, KY

1999 Bowling Green, KY 2000 Corbin, KY

2002 Bellevue, KY

2004 Scottsville, KY

2006 Bowling Green, KY

2012 Bardstown, KY 2013 Lexington, KY

2014 Bowling Green, KY 2015 Cadiz, KY

2017 Louisville, KY

2018 Winchester, KY

2019 Fort Thomas, KY

2007 Whitley City, KY

CSR OF THE YEAR Mary Schneider

Barbara Higgs

Kimberly McReynolds

Carolyn Belt

Mary Stafford

Karen Toll

Karen Lauyans

Shelly Browning

Edna Crabtree

Lydia Heathman

Ison Insurance Agency

Cheryl Thornsburg

Lisa Manley

Barbara Charles

Patricia Allen

Paula Crick

1999 Sebree, KY

2001 Louisville, KY

2002 Beattyville, KY 2003 Lexington, KY

2004 Bowling Green, KY 2005 Bellevue, KY

2006 Lexington, KY 2007 Louisville, KY

2008 Bowling Green, KY 2009 Louisville, KY

2012 West Liberty, KY

2014 Bowling Green, KY

2015 Marion, KY

2016 Bowling Green, KY

2019 Mount Sterling, KY 2019 Madisonville, KY

23 | Kentucky IA - Winter 2022

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CRCGroup.com 24 | Kentucky IA - Winter 2022

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26 | Kentucky IA - Winter 2022

125TH ANNIVERSARY CONVENTION Let’s Recap!

BUFORD C. MCINTOSH COMPANY PERSON OF THE YEAR AWARD

DONNA SCHLIE With over 30 years in the insurance industry and 15 years with Arlington Roe, Donna is known for being loyal to her agents and always looking out for their concerns and needs. She is a true professional with a gifted talent of nurturing relationships between an underwriting team and agency staff. She is also the face of Arlington Roe at ALL Big I events.

MICHAEL D. HEPP EMERGING LEADER OF THE YEAR AWARD

ADAM SHERIDAN

Through Sheridan’s leadership, dedication and hard work, we have seen the engagement of emerging leaders in our association steadily increase year after year. He has been instrumental in finding top-notch speakers for our emerging leader conferences and most of all he handled any task, big and small, handed to him during his two years as chair.

BE LIKE MIKE AWARD

MIKE JOHNSON

Mike Johnson was posthumously awarded the Be Like Mike award, created in his honor. His wife, Ali Johnson, accepted the award on his behalf. Mike’s wit, passion and bold personality made a lasting impression on anyone he met. Johnson received $1,000 from Arlington Roe to donate to Bluegrass Crime Stoppers, a charity beloved to Mike.

E. STARLING HOLLOWAY INSUROR OF THE YEAR AWARD

STEVE KINKADE

Steve has been a beloved member of our board and association for the past 25 years, serving as Chairman in 2009 and as National Director from 2012-2020. Success can be measured in many ways, but Kinkade is the personification of servant leadership and exemplifies the characteristics of E. Starling Holloway.

LISA WEST

CSR OF THE YEAR AWARD

This award is given to an individual working as a customer service representative, who typifies the ideals of service. West is a Personal Lines Customer Service Representative with Crabtree Wilson Insurance Agency in Whitley City. During her tenure, she has earned her Accredited Customer Service Representative (ACSR).

27 | Kentucky IA - Winter 2022

POLICYHOLDER RETENTION RATE

OVER

90%

*

When you only do one thing, you better do it well and workers’ comp is all we’ve ever done for over 30 years.

WORKERS’ COMP IS WHAT WE DO.

800.256.9052 amerisafe.com 28 | Kentucky IA - Winter 2022

*Policyholder retention rate based on voluntary business that we elected for renewal quote: 94.4% in 2020. © 2021 AMERISAFE, Inc. AMERISAFE and the AMERISAFE LOGO is a registered trademark of AMERISAFE, Inc. SAFE ABOVE ALL is a trademark of AMERISAFE, Inc. All rights reserved.

29 | Kentucky IA - Winter 2022

30 | Kentucky IA - Winter 2022

GETTING TO KNOW

CHAIRMAN

KEVIN DESMOND 31 | Kentucky IA - Winter 2022

How are you involved in your local community?

How did you get started in insurance?

I began working in our family-owned agency when I was in grade school. I would help clean the office and empty trash cans.

I eventually started actual insurancerelated work when I was in high school.

Working at Desmond Insurance is the only job I’ve ever had.

What do you find the most fulfilling about being an insurance agent?

The most fulfilling part of my job is the ability to help our customers at the time of loss. I remember delivering a $500,000 claim to a school board superintendent the day after a significant fire.

How did you get started with Big I KY? Big I Kentucky has been a part of our family business for as long as I can remember.

My two brothers, Mike and Denny, served as President/Chair of the association. So it was just natural that I would follow in their footsteps.

32 | Kentucky IA - Winter 2022

I served as a board member on the Greater Cincinnati Juvenile Diabetes Research Foundation for ten years. I have also coached youth basketball for over 20 years.

What did you learn watching your brothers serve?

After watching two of my brothers serve as Big I KY President, I learned how to interact with other agents across the state. By developing a network of friendly agents, you can get diverse opinions regarding our industry’s issues.

What challenges have you faced during your career, and how have you overcome them?

One of the biggest challenges I can remember was switching from a paper environment to a digital one. We transitioned in phases, starting with a batch accounting system and eventually leading to a cloud-based solution.

How has your agency responded to the needs of your customers and the industry?

The most significant change in customer needs occurred over the past 18 months. We were able to convert to a remote work environment in minutes. As much as I would like to take credit for the transition, the next generation of family members had put it all in motion.

What does a typical day look like?

A typical day starts around 7:00 am and involves getting ready to head to the office or work from home. Typically, it consists of interaction with employees, clients and insurance company representatives. In addition, I like to catch a game or two on TV after work.

As an agent, what keeps you up at night?

I have to say that we, at the agency, feel we are in a pretty good place right now. We have made several changes over the last couple of years and can rest comfortably at night

Tell me about your family I am the youngest of seven. Mike is the oldest, followed by Pat, Tim(deceased), Denny, Sally and Sharon. My wife Karen and I have two grown daughters, Stephanie and Jennifer and three granddaughters – Harper, Teagan and Quinn.

How do you strike a balance between work and family life?

How has your membership affected your life both personally and professionally?

When you work in a family business, you have the unique opportunity to blend both family and work. It produces a great environment.

Our membership in this association has had an incredibly positive effect on our business. The product and services offered to us have been highly beneficial.

Personally, I have developed great friendships with agents across the state.

Hobbies/Personal Interests Karen and I have a passion for boating. We spend almost every weekend in the summer on our boat and have developed great friendships with other boaters. I also like to play music.

Playing guitar in a band was always my dream, and I realized it eight years ago.

If you had to pick a favorite benefit, what would it be?

My favorite benefit is the professional liability coverage. We saved a significant amount of money when we switched to the association plan.

What is something people would be surprised to discover about you?

For about five years, I was the radio commentator for high school basketball games.

What advice would you give your 25-year-old self?

I would advise myself to be more patient.

Things have a way of working themselves out.

33 | Kentucky IA - Winter 2022

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35 | Kentucky IA - Winter 2022

BOARDof DIRECTORS KEVIN DESMOND

WHITNEY FLOYD, CIC

LAURA YOUNT, CIC, CISR

ALLEN CRAWFORD, CIC, CSRM

CHIP ATKINS

RAY ROBERTSON, CIC

PHILIP ANDERTON

MARK LINKOUS

JOHN PURDOM

CAROLYN REYNOLDS

ERIC SCHUMACHER

CHAIR BELLEVUE, KY

NATIONAL DIRECTOR LOUISVILLE, KY

MURRAY, KY

CHAIR-ELECT HENDERSON, KY

PAST CHAIR MOUNT STERLING, KY

RICHMOND, KY

NICK ROLF

FORT THOMAS, KY

36 | Kentucky IA - Winter 2022

VICE CHAIR LONDON, KY

LOUISVILLE, KY

MAYSVILLE, KY

DANNY YACKEY

EMERGING LEADER CHAIR LOUISVILLE, KY

TREASURER SOMERSET, KY

EDMONTON, KY

CHRIS WISEMAN, CIC BOWLING GREEN, KY

Thank You

2021 Industry Partners

BRONZE

SILVER

GOLD

PLATINUM

DIAMOND

(as of 12/31/21)

Kentucky Growers Insurance Co., Inc. Imperial Premium Finance Services Bolton and Company, Inc. JM Wilson Auto-Owners Insurance EMC Insurance Companies RT Specialty Westfield Conferences ICW Group Anthem Blue Cross Blue Shield

Selective Insurance Grange Insurance Frankenmuth Encova FCCI Commercial Sector Kentucky National

Orion Networks Kentucky AGC SIF Midwestern Insurance Alliance AmWins FFVA Countryway Buffalo Health Advisors United Home Market Finders MetLife

Accident Fund Prime Insurance State Auto Amerisafe Central Insurance Companies Synergy Select

Big I Kentucky gratefully acknowledges these fine companies, our 2021 Industry Partners. Without their assistance, fees for the events and programs throughout the year would be significantly higher and/or the quality of the program would be restricted.

TO BECOME A SPONSOR OR FOR MORE INFORMATION ABOUT OUR INDUSTRY PARTNER PROGRAM, PLEASE CONTACT TAYLOR LEE, COMMUNICATIONS DIRECTOR, AT 502-245-5432 OR TLEE@BIGIKY.ORG 37 | Kentucky IA - Winter 2022

SOCIAL MEDIA

Are we friends?

Follow us on your favorite social media sites.

CLASSIFIEDS Acquisitions Established Louisville agency interested in acquiring insurance agencies in Jefferson and surrounding counties. If you are interested in selling, merging, or need assistance with perpetuation, we would like to talk with you in confidence.

Facebook

facebook.com/bigiky facebook.com/ELofIIAK

Call R. Alex Rankin, CPCU or Philip Anderton, CIC, at Sterling G. Thompson, Co. at 502-585-3277

Looking for Producers

Instagram

instagram.com/bigiky

LinkedIn

linkedin.com/in/bigiky

Independent with top best markets looking to expand presence in Jefferson, Oldham or Shelby counties. Wanting Personal lines Producer or book of business to move or purchase. All arrangements possible, in strict confidence.

Please send inquiries to: Turner Insurance Agency, 2460 Shelbyville Road, Shelbyville, KY 40065 or call Kurt Turner, CPCU at 502-633-6060.

ADVERTISERS We would like to thank our advertisers for their support.

This publication would not be possible without you!

Twitter

twitter.com/bigikentucky

The Kentucky IA is the official magazine of Big I Kentucky, and is published quarterly.

Office Address 13265 O’Bannon Station Way, Louisville, Kentucky 40223.

Telephone: (502) 245-5432 Email: info@bigiky.org Fax: (502) 245-5750 All advertising and editorial submissions are welcome.

38 | Kentucky IA - Winter 2022

Amerisafe Arlington/Roe Big “I” Professional Liability Big “I” Markets Bolton & Company ClearPath Mutual CRC Group GRIP

28 6 13 3 BC IFC 24 34

Guard J.M. Wilson Orion Networks RLI Personal Umbrella Secura Specialty Underwriters Trusted Choice

For classified ads or to advertise in the Kentucky IA, visit bigiky.org/magazine or call 502-245-5432.

12 IBC 34 35 14 29 25

UPCOMING EVENTS Scan the QR Code below to register for any upcoming event.

LEGISLATIVE DAY January-February TBD

2022 LEADERSHIP CONFERENCE

Frankfort, KY

May 16-18, 2022 Owensboro, KY

VIRTUAL CRM PRINCIPLES OF RISK MANAGEMENT

2022 ANNUAL CONVENTION & TRADESHOW

February 16-18, 2022 16 Hours CE

November 15-17, 2021 Louisville, KY

HAVE AN ATTORNEY ON RETAINER? WE DO. With our First Call Free Legal program, all members receive 30 minutes of free legal consultation per year with our general counsel to discuss any insurance or agency related matter.

39 | Kentucky IA - Winter 2022

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