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President & CEO From the

Welcome to the first Market Access Guide produced by your very own Big I Association. As you can see, we have a lot to share and hope this will be a reference for the entire year. Think of this as your little black book of markets! Relationships are what make the world go round. Whether it’s your relationship with family, friends, coworkers, employees, customers, suppliers, competitors, advisors, etc.—every interaction affects your life in some way. The value of relationships can’t be ignored, particularly when it comes to building your business. Our relationships took a hit in 2020 and we want to help rekindle those – i.e. not looking at a computer camera! Here at Big I Kentucky, we value our relationships with you, the member and our Company Partners. Many small agency owners tell me they don’t have time to network. Really? Can you afford not to? Your professional network is one of the biggest assets you can have. Stacking business cards on your desk or connecting with the people you meet on LinkedIn doesn’t create a network. Attending events and finding out more about people is what will do the TRICK. This is how deals are made and friendships are formed. And who doesn’t want to do business with a friend? Through this guide, you can peruse by line of business, or alphabetical by using our Table of Contents. We want to make it easy for you to find what you are looking for easily. We also want to introduce you to our Members Only market access programs. We believe access to markets is a critical part of your success as an independent agent. Fortunately, with Big I Kentucky comes access to Independent Market Solutions (IMS), Big I Markets and Eagle Agency. These programs offer no joining costs or monthly fees, low volume commitments and standard commissions plus profit sharing. You own 100% of expirations and foster a direct working relationship with carriers as a sub producer. There is also an opportunity for direct appointment when thresholds are met. We are adding new carriers and products regularly. These member market access solutions foster relationships between independent insurance agencies and carriers without the need for a direct appointment. BIG I KY members can access at no charge! I encourage you to pick up the phone and call your friends and ask them questions. Let’s start networking again and I look forward to seeing you in-person soon! Sincerely,

2 | 2021 Market Access: A Big I KY Guide


CONTENTS 06 25 30 OFFICERS Ray A. Robertson, CIC

INDUSTRY PARTNERS 4 5

Alphabetical Order By Line of Business

INDEPENDENT MARKET SOLUTIONS 26 Attune 26 Metlife 27 Progressive 27 RMS Hospitality Group 28 Travelers 28 V3 Insurance

BIG “I” MARKETS 30 32

Big I Markets Eagle Agency

DIRECTORS Philip Anderton

Chair, Mt. Sterling 859.498.3410

Lousiville, 502.585.3277

Kevin T. Desmond

Edmonton, 270.432.3491

Chair-Elect, Bellevue 859.491.5100

Whitney L. Floyd, CIC

Vice-Chair, Henderson 270.827.3543

Allen J. Crawford, CIC, CSRM

Mark Linkous, CIC

John Purdom

Murray, 270.753.4751

Carolyn Reynolds

Richmond, 859.623.8485

Eric Schumacher

Treasurer, Somerset 606.679.6311

Maysville, 606.759.5663

George Atkins III

Emerging Leader Chair, Somerset 606.679.6311

Aaron LaRue

Bowling Green, 270.781.2020

National Director, Louisville 502.585.3600 Immediate Past Chair, Bardstown 502.348.0050

Adam Sheridan

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

Chris J. Wiseman, CIC

Laura Yount, CIC, CISR

London, 606.878.0100

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Industry Partners In Alphabetical Order

22 ......... Accident Fund Insurance Company 8 ......... Acuity 22 ......... Amerisafe 24 ......... AMWins 16 ......... Anthem 7 ......... Arlington Roe 24 ......... Auto-Owners Insurance 12 ......... Bolton & Company 19 ......... Buffalo Health Advisors 23 ......... Central Insurance 6 ......... ClearPath Mutual 18 ......... Commercial Sector 19 ......... Countryway Insurance Company 10 ......... CRC Group 13 ......... EMC Insurance Companies 17 ......... Encova 18 ......... FCCI Insurance 19 ......... FFVA 17 ......... Frankenmuth 17 ......... Grange Insurance Company 16 ......... ICW Group 12 ......... Imperial PFS 13 ......... JM Wilson 9 ......... KEMI 12 ......... Kentucky Growers Insurance Company 18 ......... Kentucky National Insurance Company 10 ......... Keystone 11 ......... KY AGC SIF 7 ......... Liberty Mutual - Safeco 23 ......... Market Finders ......... MetLife 24 ......... Midwestern Insurance Alliance 11 ......... Orion Network 24 ......... Prime Insurance Company 8 ......... Progressive 10 ......... Risk Placement Services 13 ......... RT Specialty 9 ......... Secura Insurance 16 ......... Selective Insurance 24 ......... State Auto Insurance 9 ......... Summit Holdings 22 ......... United Home 8 ......... WestBend 23 ........ Westfield 4 | 2021 Market Access: A Big I KY Guide


Industry Partners By Line of Business

PERSONAL LINES 7 ......... Safeco Insurance 8 ......... Progressive 8 ......... Acuity 16 ......... Selective 17 ......... Grange 17 ......... Encova 18 ......... Kentucky National 19 ......... Countryway 22 ......... United Home 23 ......... Central Insurance Companies 24 ......... State Auto 24 ....... MetLife

COMMERCIAL LINES 7 ......... Liberty Mutual 8 ......... WestBend 8 ......... Progressive 8 ......... Acuity 13 ......... EMC 16 ........ Selective 17 ......... Grange 17 ......... Frankenmuth 17 ......... Encova 18 ........ FCCI 23 ......... Central Insurance Companies 24 ........ State Auto

LIFE & HEALTH 16 ......... Anthem 17 ......... Grange 17 ......... Encova 19 ......... Buffalo Health Advisors

EXCESS & SURPLUS LINES 7 ......... 10 ......... 10 ......... 12 ........ 13 ........ 13 ........ 18 ......... 23 ........ 24 .........

Arlington Roe RPS CRC Group Bolton & Company JM Wilson RT Specialty Commercial Sector Market Finders Prime

WORKERS’ COMPENSATION 6 ......... 8 ......... 8 ......... 9 ......... 9 ......... 11 ......... 16 ......... 16 ......... 17 ......... 19 ......... 22 ......... 22 .........

ClearPath Mutual West Bend Acuity KEMI Summit Kentucky AGC SIF ICW Group Selective Encova FFVA Accident Fund Amerisafe

PREMIUM FINANCE 12 ......... Imperial PFS

5 | 2021 Market Access: A Big I KY Guide


Industry Partners By Sponsorship Level

Diamond

Platinum

ClearPath Mutual

Liberty Mutual & Safeco Insurance Arlington Roe WestBend Progressive

Silver Kentucky Growers IPFS Bolton Orion Kentucky AGC SIF Midwestern

Gold Acuity Secura KEMI Summit

RPS Keystone CRC Group

Bronze JM Wilson Auto Owners EMC Insurance RT Specialty Westfield ICW Group Anthem Selective Grange

Frankenmuth Encova FCCI Commercial Sector Kentucky National AmWins FFVA Countryway Buffalo Health Advisors

United Home Accident Fund Amerisafe Central Market Finders Prime State Auto

PA

D

D

Lines of Business: Workers’ Compensation O IAM N

RT NER

Headquartered in Louisville, ClearPath Mutual is the second largest provider of Workers’ Compensation coverage in Kentucky and has expanded into Indiana and Tennessee. 9960 Corporate Campus Dr, Ste. 1400 Louisville, KY 40223

Jeff Borkowski jborkowski@clearpathmutual.com 502-315-4244

6 | 2021 Market Access: A Big I KY Guide

KY Areas Written: Statewide No Volume Commitments. Access Business by contacting Michael Miller, Regional Marketing Manager. Michael Miller, Regional Market Manager mmiller@clearpathmutual.com 502-541-4795 Hilary Alvey halvey@clearpathmutual.com 502-315-4245


P

PA

KY Areas Written: Statewide No Volume Commitments. No Restrictions.

Lauren Rogers lauren.rogers@safeco.com 513-316-4738

9450 Seward Road Fairfield, OH 45014

Robert Dodson robert.dodson@libertymutual.com 205-410-4611 Lines of Business: Property & Casualty/Specialties; Aviation, Bonds, Agri/Farm, Heathcare/Human Services, Personal/Commercial Lines, Professional/ Cyber, Transportation & Workers Comp

TINU LA

M

P

RT NER

Liberty Mutual & Safeco Insurance is a Personal Lines and Business Insurance carrier.

Access Business through www.safeco.com or business.libertymutualgroup.com/businessinsurance

PA

TINU LA

M

Lines of Business: All lines of business for both Commercial & Personal

RT NER

KY Areas Written: Statewide

Arlington Roe is a Managing General Agent & Wholesale Broker, Family-Owned & Operated since 1964. It is headquartered in Indianapolis, IN operating in the core states of IN, IL, KY, MI, MO, MN, OH, TN & WI 8900 Keystone Crossing - 8th Floor Indianapolis, IN 46240

Donna Schlie, Sales/Marketing dschlie@arlingtonroe.com 513-236-9030

Volume Commitments: $25,000 - First Year of Contract Restrictions/Caveats: $1 Million E&O Coverage - P&C Insurance Licensee Access Business through website, www. arlingtonroe.com, or phone, 800-878-9891. Patrick Roe, Sales/Marketing proe@arlingtonroe.com 800-878-9891 - Office

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PA

M

P

Lines of Business: All lines available in Kentucky excluding personal lines.

TINU LA

RT NER

Preferred Parameters: Agencies that have been in operation for three or more years, who demonstrate opportunities for mutual growth.

West Bend Mutual Insurance has been insuring homes, autos and businesses for more than 125 years. Headquartered in West Bend, WI, the company employs more than 1,300 associates and partners with more than 2,600 independent agencies in 13 states to bring products and services to their valued customers.

Volume Commitments: Volume Commitments should reflect West Bend Mutual as a top two carrier in an agency within three to five years. Restrictions: Direct appointment required.

1900 S. 18th Avenue West Bend, WI 53095

Tonya Cothern tcothern@wbmi.com 262-3665-2984

KY Areas Written: Statewide No Volume Commitments. No Restrictions.

TINU LA

PA

M

Lines of Business: Auto, Home, Commercial, Recreational Lines

P

Kimb Wilson kwilson@wbmi.com 608-410-3544

Access Business through direct appointment.

RT NER

Progressive Corp. is an insurance holding company, which engages in the provision of personal and commercial auto insurance, residential property insurance and other specialty property-casualty insurance and related services. 6300 Wilson Mills Rd Mayfield Village, OH 44143

Access Business through Progressive.com Beth DuBois beth_du_bois@progressive.com 440-910-8381

Lines of Business: Liability, Property, Auto, Workers’ Comp, Excess Liability, Packaged Coverages, BOPs, Inland Marine, Crime, Cyber, EPLI, Equipment Breakdown

GOLD PA

Lee Bradley lee_w_bradley@progressive.com 912-655-3400

RT NER

Acuity Insurance, headquartered in Wisconsin, insures over 125,000 businesses, including 300,000 commercial vehicles, and nearly a half million homes and private passenger autos across 29 states. Rated A+ by A.M. Best and S&P, Acuity employs over 1,400 people. 2800 S. Taylor Dr. Sheboygan, WI 53081

John Bell jbell@acuity.com 502-558-4348 8 | 2021 Market Access: A Big I KY Guide

KY Areas Written: Statewide Volume Commitments: Goal is to be a top level preferred carrier. Restrictions/Caveats: Only Commercial Lines in Kentucky. Access Business through required agency appointment.


PA

GOLD

Lines of Business: Commercial Lines, Specialty Lines, Ag and Personal Lines

RT NER

KY Areas Written: Statewide

SECURA Insurance Companies is based in Wisconsin and operate in 12 states. Since 1900, we’ve been known for our genuine people and exceptional service. As a property-casualty insurance company, we provide flexible, customized options for your business, home, auto, agribusiness, and nonprofit.

Preferred Parameters: Strategic partners with a growth mindset that values relationships. Volume Commitments: Expectation to be a top 3 carrier in agency.

1500 Mutual Way Neenah, WI 54912

Lisa Switzer lisa_switzer@secura.net 859-310-1709

Access Business by direct appointment required through independent Tripp Humston agency relationships. tripp_humston@secura.net 859-550-3669

Lines of Business: Workers’ Compensation

GOLD

KY Areas Written: Statewide

PA

KEMI is Kentucky’s leading provider of workers’ compensation insurance, providing coverage to more than 20,000 policyholders in all 120 counties throughout the state. We are rated A- “Excellent” by A.M. Best.

Access Business by submitting applications online at KEMI.com. Robert Palmer Todd Benson rpalmer@kemi.com tbenson@kemi.com

250 West Main Street, Suite 900 Lexington, KY 40507

Affiliate Companies: Bridgefield Casualty Insurance Company, Bridgefield Employers Insurance Company

GOLD PA

RT NER

RT NER

A premier choice for workers’ compensation insurance products and services. Summit works with more than 6,000 independent agents across the southeastern United States to provide loss prevention services, underwriting claims and a network of more than 35,000 policyholders. Based in Lakeland, Florida, Summit also has two regional offices and is a member of Great American Insurance Group. P.O. Box 988 Lakeland, FL 33802

Paul Marks paul.marks@summitholdings.com 225-603-8485

Lines of Business: Workers’ Compensation KY Areas Written: Summit is not a class code underwriting organization and open to most class codes. No Volume Commitments. Access Business through www.summitholdings. com/agency/application/dist/new

Greg Thomas gregory.thomas@summitholdings.com 336-406-6189


Lines of Business: Workers’ Compensation KY Areas Written: Statewide No Volume Commitments. Restrictions: Must be licensed and complete agency appointment paperwork if not appointed.

GOLD PA

RT NER

CRC Group is a Wholesale E&S solution. Access to small business and large business E&S solutions, including Personal Lines, Transportation, Garage, Professional Liability and all E&S needs.

Access Business by calling or emailing contacts below.

Aimee Stumler, AU, ASLI, AINS, AIS astumler@crcgroup.com 317-581-3243

GOLD PA

450 East 96th Street Indianapolis, IN 46240

Joni Denny jodenny@crcgroup.com 606-260-4018

Access Business by contacting Jeremiah Hale.

RT NER

For independent insurance agencies who aspire to strengthen their agencies, Keystone offers access to industry expertise, carriers, and an unparalleled connection to a community of likeminded agencies. 1995 Point Township Drive Northumberland, PA 17857

Jeremiah Hale, State VP jhale@keystoneinsgrp.com 570-473-4366 Margo Mackedanz mmackedanz@keystoneinsgrp.com 570-473-2826

Lines of Business: All Lines of Business GOLD

KY Areas Written: Statewide Preferred Parameters: We like it all, especially the tough stuff! No Volume Commitments. No Restrictions. Access Business by registering at https://my.rpsins. com/RAMP/Registration/default.aspx Matt Meyer matt_meyer@rpsins.com 859-685-6284 10 | 2021 Market Access: A Big I KY Guide

PA

RT NER

Risk Placement Services is a Wholesale, MGA who offers E&S and Specialy Lines. 527 Wellington Way, Suite 350 Lexington, KY 40503

Ron Smedley ron_smedley@rpsins.com 859-685-6202


SILVER

SILVER PA

RTN

PA

ER

Kentucky Growers is a Property &Casualty Homeowners and FarmOwners Insurance Company.

RT NER

Imperial PFS is a Premium Finance Company. 462 S. 4th Street, Suite 1700 Louisville, KY 40202

Lines of Business: Imperial PFS will finance personal and commercial line premiums.

139 Market Street Lexington, KY 40507

No Volume Commitments. Restrictions: We can only finance agency bill policies.

Rus Whalen rus@kentuckygrowers.com

Access Business by contacting Hank Knight or Dave Baker. Hank Knight hank.knight@ipfs.com 443-613-4820

Affiliate Companies: Bolton Premium Services Finance Company

SILVER PA

Lines of Business: Personal Lines, Commercial Lines and Transportation

RT NER

Bolton & Company, Inc is a familyowned Managing General Agency serving the Independent Insurance Agent since 1965. 325 West Main Street, Ste. 2400 Louisville, KY 40202

Chris Allgeier chris@boltonmga.com 502-657-7704

Dave Baker dave.baker@ipfs.com 859-630-7369

KY Areas Written: Statewide No Volume Commitments. No Restrictions. Access Business through www.boltonmga.com

Jeremy Allgeier jeremy@boltonmga.com 502-657-7710

ADDITIONAL INDUSTRY PARTNERS SILVER PA

RT NER

ONZE BR PA

RT NER

ONZE BR PA

RT NER

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OUT OF THIS WORLD IT SERVICES

• • • • • • • • •

Unlimited Remote & Onsite Support Backup & Disaster Recovery Cyber & Network Security Cloud Services 24/7 Proactive Desktop Monitoring & Maintenance Antivirus, Malware, Spyware, Ransomware Protection & Detection Phone System Solutions Technology Consulting & Strategic Planning Monthly Network Health Reporting

RTN

Contact Brock Jamison bjamison@orionnetworksit.com 502-208-4592 www.orionnetworksit.com

Lines of Business: Workers’ Compensation

SILVER PA

FOR A FREE IT RISK CONSULTATION

KY Areas Written: Statewide

ER

Group self-insurer providing workers’ compensation insurance to the construction/ contractor-related industry. 320 Evergreen Road Louisville, KY 40243

Chris Hickman chickman@kyagcsif.com 502-245-2007

12 | 2021 Market Access: A Big I KY Guide

Preferred Parameters: Construction/Contractor Related Businesses ONLY Restrictions: Underwriting Guidelines on our website Access Business through the fund’s website at www.kyagcsif.com Karl Ladegast ckrocks10@aol.com 502-245-2007


Lines of Business: Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines, Surety

ONZE BR PA

KY Areas Written: Statewide

RT NER

JM Wilson is a family owned and operated MGA/Excess and Surplus Lines Broker, established in 1920.

No Volume Commitments. No Restrictions.

8036 Moorsbridge Rd Portage, MI 49024

Access Business through www.jmwilson.com Craig Evans cevans@jmwilson.com 877- 456-5408

Jen Dugan jdugan@jmwilson.com 269-491-0300

Affiliate Companies: Employers Mutual Casualty Company, EMCASCO Insurance Company, EMC Property & Casualty Company, Union Insurance Company of Providence Lines of Business: Commercial Lines KY Areas Written: Statewide Preferred Parameter: Steady profitable growth Volume Commitments: Minimum Profit Sharing qualification is $500,000 Access Business through independent agency relationships.

ONZE BR PA

RT NER

RT Specialty is a leading wholesale distributor of specialty insurance products and services and broker for Ryan Specialty Group. Our specialist brokers handle an expansive mix of property, casualty, professional lines, transportation, personal lines and workers’ compensation products. We combine our entrepreneurial spirit with advanced risk modeling, market access and claims advocacy to provide excellent solutions to our clients. Regardless of account size, big or small, RT is dedicated to providing lightning fast, expert advice, advocacy and execution on behalf of our retail broker clients. 9300 Shelbyville Road, Ste. 905 Louisville, KY 40222

ONZE BR PA

RT NER

EMC Insurance Companies offer Property & Casualty Commercial Lines. 11311 Cornell Park Dr., Suite 500 Blue Ash, OH 45242

Grant Morris grant.c.morris@emcins.com 330-432-0614

Lines of Business: Professional, Property & Casualty, Aviation, Energy, Marine, Life Sciences, Environmental, Workers’ Compensation, Personal Lines, Transportation KY Areas Written: Statewide Access Business by calling, emailing or visiting our website: rtspecialty.com Brian Houghlin brian.houghlin@rtspecialty.com 502-434-5558 Shannon Helm shannon.helm@rtspecialty.com 502-434-5563 13 | 2021 Market Access: A Big I KY Guide


OPEN SEMCI Single-entry, multiple-company interface (SEMCI) is like magic!

Acuity, long recognized as a leader in agency interface technology, is committed to supporting SEMCI in commercial lines. SEMCI drives efficiency in the quote and application process and allows you to choose how you want to do business with Acuity. Acuity currently partners with several of the leading commercial lines insurtechs. We are building, exploring partnerships, or expanding with numerous other independent agency technology solutions. And Acuity is on the forefront of integration technology, continually building the connections necessary to be ready to connect to new insurtechs as they emerge.

14 | 2021 Market Access: A Big I KY Guide


Experience you can trust. Service you can rely on.

Specialty teams to piece each risk puzzle together for you. Our knowledgeable underwriters and brokers coordinate among specialty teams to meet the needs of multi-faceted risk opportunities. Our specialties extend beyond commercial lines into personal lines, farm and ranch, bonds, cannabis and more. We have a dedicated medical malpractice team and one of the strongest aviation teams in the Midwest. Our goal is to provide one-stop solutions for our independent producers’ local and nationwide insurance coverage needs.

Managing General Agents | Wholesale Insurance Brokers

Let us help you find the right solutions.

800.878.9891 ArlingtonRoe.com

Aviation | Bonds | Cannabis | Casualty | Commercial Agribusiness | Farm Healthcare & Human Services | Personal Lines | Professional Liability | Property | Transportation | Workers’ Compensation 15 | 2021 Market Access: A Big I KY Guide


Lines of Business: Workers’ Compensation

ONZE BR PA

RT NER

Access Business by reaching out to discuss an appointment.

ICW Group Insurance Companies is a top-tier, A.M. Best “A” rated national workers’ compensation insurance company with policyholders across hundreds of industries. Through extensive in-house risk management expertise, highly pro-active claims handling and aggressive anti-fraud services, ICW Group helps policyholders achieve fewer and less costly claims that lower their Ex-Mod while elevating the trusted agents and brokers who advise them.

Todd Wiehe twiehe@icwgroup.com 859-912-8039 Jessica Miller jmiller@icwgroup.com 309-363-0560

3333 Warrenville Road, Ste. 570 Lisle, IL 60532

Lines of Business: Medical, Dental, Vision, Employee Assistance Plan, Life, Short-term Disability and Long-term Disability Access Business through direct appointment. Karen Hall karen.hall@anthem.com 502-741-7409 Amanda Parson amanda.parson@anthem.com 502-443-4157 ONZE BR PA

RT NER

Selective is the 41st largest US property & casualty group that has been rated ‘A’ or higher by A.M Best for more than 89 consecutive years. We are focused on delivering a superior omni-channel experience and offer a unique “high-tech”, “high-touch” business model that powerfully combines a unique field-based underwriting and insurance claims model with leading edge agency automation technology. We work through a network of distribution partners to market insurance products and services to both commercial and personal clients, with a mix of business representing 79% standard commercial lines in 27 states, 12% personal lines in 15 states and 9% excess & surplus lines in 50 states. 40 Wantage Ave. Branchville, NJ 07890 16 | 2021 Market Access: A Big I KY Guide

ONZE BR PA

RT NER

Anthem is a leading health benefits company dedicated to improving lives and communities and making healthcare simpler. Anthem has been serving members in Kentucky for over 80 years. 13550 Triton Park Blvd Louisville, KY 40223

Lines of Business: BOP, Property, General Liability, Business Income, Auto, Inland Marine, Workers Compensation, Professional Liability, Abuse & Molestation Liability, Cyber Liability, Management Liability, Product Recall, Crime, Umbrella, Crisis Response, Bonds and Flood KY Areas Written: Statewide Volume Commitments: Varies Access Business by contacting your Kentucky Territory Manager. Rick Busch, Kentucky Territory Manager rick.busch@selective.com (404) 576-6019


Affiliate Companies: Kansas City Life Insurance Companies

ONZE BR

Lines of Business: Personal Lines, Commercial Lines and Life PA

KY Areas Written: Statewide

RT NER

Volume Commitments: $75,000 annually for Personal Lines Committed, Connected, Partners. Personal and $100,000 annually for Commercial Lines. Lines and Commercial Lines carrier. 100% committed to Independent agents Access Business through all comparative raters and our 601 S. High Street GAINweb system. Columbus, OH 43206 Tim Carter cartert@grangeinsurance.com 270-331-0270

Shane Murphy murphys2@grangeinsurance.com 859-779-1855

ONZE BR PA

Lines of Business: Commercial Lines RT NER

KY Areas Written: Statewide

Insurance exists to provide peace of mind, and Frankenmuth Insurance has been protecting individuals, families and businesses for more than 150 years. We partner exclusively with nearly 700 independent agents to customize business, home, auto and life insurance policies and surety bonds. For more information visit fmins.com. 1 Mutual Avenue Frankenmuth, MI 48787

Lines of Business: Commercial Lines, Workers’ Compensation, Personal Lines and Life KY Areas Written: Statewide No Volume Commitments. No Restrictions. Access Business through Encova.com Scott Emge scott.emge@encova.com 502-565-6355 Kathy Pickup kathy.pickup@encova.com 502-287-2414

No Volume Commitments. No Restrictions. Access Business through direct contract. Steve Barton steve.barton@fmins.com 859-652-4197

ONZE BR PA

RT NER

Encova Insurance is a super-regional carrier ranked in the top 20 mutual insurance companies in the United States. Encova includes more than 1,200 associates writing in 28 states, with premiums in excess of $1 billion, a surplus in excess of $1.46 billion and assets in excess of $4.1 billion. The group markets insurance solutions through more than 2,000 independent agencies in the Midwest, Northeast and South. 471 E. Broad Street Columbus, OH 43215

17 | 2021 Market Access: A Big I KY Guide


ONZE BR

ONZE BR PA

PA

RT NER

Distributing exclusively through independent agents in 20 states, FCCI provides commercial property and casualty insurance coverage, services and commercial and contract surety across more than a third of the U.S. Established in 1959, FCCI is celebrating more than 60 years of keeping promises. FCCI is rated A (Excellent) by A.M. Best Company and is headquartered in Sarasota, Florida, with regional and branch offices. 9025 River Road, Suite 300 Indianapolis, IN 46240

Lines of Business: Commercial Lines Brenda Scalzo bscalzo@fcci-group.com 502-262-4258 Angie Ingalls aingalls@fcci-group.com 317-571-3056

Commercial Sector is an Excess & Surplus Lines Wholesale Broker. 600 Corporate Parkway, Suite 250 Birmingham, AL 35242

Lines of Business: All Lines, Specialize in Coal-Related Accounts KY Areas Written: Statewide No Volume Commitments. No Restrictions. Access Business by phone or email. Our website is www.comsectorins.com Bob Bleistine bbleistine@comsectorins.com 205-776-2494

Affiliate Companies: Kentucky Mutual Insurance

ONZE BR PA

RT NER

Lines of Business: Auto, Home Owners, Manufactured Home, Dwelling & Fire, Umbrella, Renters & Basic Home

RT NER

Regional personal lines carrier operating in KY & TN focusing on specialty property such as manufactured homes, low to mid-value homeowners and prefferred automobile insurance. 2416 Sir Barton Way Lexington, KY 40509

Michael Lawrence milawrence@kynat.com 859-230-0539

18 | 2021 Market Access: A Big I KY Guide

KY Areas Written: Statewide Preferred Parameters: Preferred auto, low to mid value homes and manufactured homes Volume Commitments: $150,000 Access Business through https://stingray.knigrp.com/ Vicki Rhorer vmrhorer@kynat.com 859-321-7790


Affiliate Companies: FFVA Select Insurance Co. ONZE BR PA

RT NER

FFVA Mutual is a regional carrier specializing in workers’ compensation since 1956. Rated A- (Excellent) by A.M. Best, we insure over 300 class codes in all major industry groups. Our underwriting, safety and claim solutions help businesses succeed, improve safety practices, resolve claims quickly and return injured employees to work. P.O. Box 948239 Maitland, FL 32794

Angie Helgeson angie.helgeson@ffvamutual.com 321-214-5275 Affiliate Companies: Virginia Farm Bureau Mutual Insurance

Lines of Business: Workers’ Compensation KY Areas Written: Statewide, No restrictions. Preferred Parameters: Minimum $1,000 premium, 3 years prior workers’ comp experience Volume Commitments: Minimum of $50,000 Restrictions: Ineligible classes: heavy construction, roofing, general contractors, trucking or high hazard risks. Access Business through appointment or access market through approved broker partner Kim Oakes kim.oakes@ffvamutual.com 321-214-5270

ONZE BR

Lines of Business: Personal Lines and Farm

PA

KY Areas Written: Statewide

Countryway Insurance Company is an insurance carrier for Personal Lines and Farm.

No Volume Commitments. No Restrictions.

RT NER

12580 West Creek Pkwy Richmond, VA 23238

Access Business through our agent portal. Sonya Kirk skirk@countryway.com 502-649-1792 ONZE BR PA

RT NER

Buffalo Health Advisors is an insurance brokerage. 624 Grassmere Park Drive, Ste. 1 Nashville, TN 37211

Jon Head jon@buffalohealthadvisors.com 502-599-2222

Stacy Ayres sayres@countryway.com 207-317-1742 Lines of Business: Medicare Advantage, Medicare Supplement, Prescription Drug Plans, Dental, ACA/IFP Health Insurance and Life KY Areas Written: Louisville, Lexington, Bowling Green Paducah, Somerset Access Business by phone, email or in-person. Daniel Teague daniel@buffalohealthadvisors.com 615-838-3588 19 | 2021 Market Access: A Big I KY Guide


Our Future is Bright AM Best Rating "A-" (Excellent) with a Stable Outlook Highly Competitive Rates Precision Underwriting Expert Claims Handling Comprehensive Loss Prevention Services

9960 Corporate Campus Drive, Suite 1400, Louisville, KY 40223 t 502.894.8484 | 800.367.5372 | clearpathmutual.com 20 | 2021 Market Access: A Big I KY Guide


Strengthen your independence.

Keystone’s partners maintain their independence while benefiting from added resources on a national scale. We work shoulder-to-shoulder with partner agencies to strengthen their agency and offer resources and solutions to support their specific goals.

Agency Solutions

Business Solutions

Personal Solutions

Agency Management Partner Support Services Organic Growth Claims Management Carrier Relations Profit & Growth

Property & Casualty

Property & Casualty

Bonds Insurance Placement Services Programs

Insurance Placement Services

Financial Services

Employee Benefits Group Health Ancillary Benefits

Financial Services Risk Management

That’s how independence works better together! FOR MORE INFORMATION: Jeremiah Hale 570.473.4336 | jhale@keystoneinsgrp.com Margo Mackedanz 570.473.2826 | mmackedanz@keystoneinsgrp.com keystoneinsgrp.com

©2021 Keystone Insurers Group ®. All rights reserved. This does not constitute an offer to sell a franchise in any state in which the Keystone Insurers Group franchise is not registered.

21 | 2021 Market Access: A Big I KY Guide


Lines of Business: Personal Lines (Home, Dwelling Fire, Auto and Umbrella

ONZE BR PA

KY Areas Written: Statewide Preferred Parameters: Standard/Preferred Business

RT NER

United Home is a Personal Lines carrier operating in AR, OK, MO, KY, TN. 1201 West Court Street Paragould, AR 72450

No Volume Commitments. No Restrictions.

Joesph Inman jinman@unitedhomeins.com 870-530-7397

Access Business through our website, www.unitedhomeins.com

Fred Shaw fshaw@unitedhomeins.com 417-214-6971

Lines of Business: Workers’ Compensation

ONZE BR PA

RT NER

Leveraging more than 100 years of experience and an “A” (Excellent) rating from A.M. Best, Accident Fund is one of the nation’s largest writers of workers’ compensation insurance. P.O. Box 40790 Lansing, MI 48901

Preferred Parameters: Artisans, Manufacturing, Wholesale, Retail, Trucking up to 500 miles, Churches, Parcel Delivery No Volume Commitments. No Restrictions. Access Business through our website. Contracted Agents only.

Kevin Mauzy kevin.mauzy@accidentfund.com 270-570-0023

ONZE BR PA

AMERISAFE is a specialty provider of workers’ comp insurance focused on small to mid-sized employers engaged in hazardous industries.

RT NER

P.O. Box 40790 Lansing, MI 48901

22 | 2021 Market Access: A Big I KY Guide

Rocky Mankin cmankin@amerisafe.com 337-460-3420


Affiliate Companies: All America and Central Mutual Preferred Lines of Business: Standard and Preferred Commercial Lines & Personal Lines KY Areas Written: Statewide Volume Commitments: For new appointments, Central expects $1,000,000 of new WP within 3 years.

ONZE BR PA

RT NER

Central Insurance Companies are a mutual P&C carrier that has been fulfilling the promise since 1876. Our company focuses on Integrity, Relationships and Excellence. 800 S Washington Street Van Wert, OH 45891

Access Business with direct agency appointments. Ed Zastawny “Ed Z” ezastawny@central-insurance.com 502-287-9456

Affiliate Companies: MFI Premium Budget Corp.

ONZE BR PA

RTN

Adam Anspach aanspach@central-insurance.com

Lines of Business: P&C, Professional, Personal Lines, Aviation, Flood

ER

The largest independent E & S wholesaler in Kentucky and one of the top brokers in the Midwest. Our goal is to offer excellent service to our agents and operate with the utmost integrity. 9117 Leesgate Road Louisville, KY 40222

Sheila Davis sdavis@mfic.com 502-339-5941

Westfield was founded 173 years ago by a small group of hard-working neighbors. They believed in the strength of the individual, the power of community and the promis of tomorrow. Today, as one of the nation’s leading Property & Casualty companies, Westfield remains true to their vision. We’re dedicated to your protection, prosperity and to the progress of the world around us. One Park Circle Westfield Center, OH 44251

KY Areas Written: Mobile Homes No Volume Commitments. Access Business by calling 800-626-5660 or visiting our website, mfic.com. Kevin Wharton kwharton@mfic.com 502-339-5923

ONZE BR PA

RT NER

Affiliate Companies: Westfield Bank Lines of Business: Personl, Commercial, Surety Access Business by calling 1-800-243-0210 or through westfieldinsurance.com

23 | 2021 Market Access: A Big I KY Guide


Lines of Business: Excess & Surplus - Special Liability, Commercial Auto, Professional Liability, Property & Casualty

ONZE BR

KY Areas Written: Statewide Preferred Parameters: Excess and Surplus Lines No Volume Commitments. Access Business by sending quotes to quotes@primeis.com or call 800-257-5590

PA

RT NER

Prime Insurance Company is an excess and surplus lines company that provides solutions for specialty risks and has decades of experience in underwriting, risk management and claims management. 8722 S. Harrison Street Sandy, UT 84070

Jenna Contreras jeannc@primeis.com 312-884-5813

Lines of Business: Personal & Commercial Lines

ONZE BR PA

RTN

KY Areas Written: Statewide

ER

State Auto is a Property & Casualty carrier. 518 E. Broad Street Columbus, OH 43215

Jim Reynolds jim.reynolds@stateauto.com 615-806-1441

Lines of Business: Auto, Home, Umbrella, Rec Vehicles, Boat, Landlord Package, Condo, Renters KY Areas Written: Northern and Western Kentucky Volume Commitments: Minimum $250,000 for contingency eligibility Restrictions: Predominately a package writer

Brian Clark, Regional Sales Manager brian.clark1@metlife.com 813-428-3208 24 | 2021 Market Access: A Big I KY Guide

Volume Commitments: $150,000-$250,000 Year One. This can be a combination of personal and commercial. Access Business through comparative rates or direct through our Connect platform. Debbie Sanford debbie.sanford@stateauto.com

ONZE BR PA

RT NER

MetLife is a Personal Lines, Property & Casualty Insurance Company. 700 Quaker Lane Warwick, RI 02886

Jim Gulbransen, Regional Sales Director jgulbransen@metlife.com 612-803-2516


SIGN UP TODAY AT IMSACCESS.COM/STATES/KENTUCKY

25 | 2021 Market Access: A Big I KY Guide


GET IN TUNE WITH ATTUNE LAEL CHAPPELL lchappell@attuneinsurance.com 646-957-2014 PROGRAMS AVAILABLE Business Owners Policy (BOP), Workers' Compensation, Excess Liability The BOP is on Blackboard Insurance Company (AIG) and the Excess is on New Hampshire Insurance Company (AIG) paper. The WC is on Employers Insurance Company paper COMMISSION RATE BOP and Excess-16% new business , 15% renewal WC- 10% new business and 8% renewal

EARN MORE WITH METLIFE BRETT GARRETT bgarrett@metlife.com 682-215-8509

PROGRAMS AVAILABLE Automobile, Homeowners, Personal Liability Policy COMMISSION RATE Commissions ranging from 7% to 17% based on Line of Business, monoline, and package/Multi-Policy business. MARKET AVAILABILITY Agency must write a minimum of 2 Policies a month to maintain appointment. Agency must have consistent monthly flow of multi-line new business. Agency must have a minimum of 12 months Agency Ownership Experience. We do not consider Start-Up or Non-Standard Agency’s Prefer agency has a Comparative Rater (EZ Lynx or PL Rater) Agent must not have been previously terminated by Metlife Auto & Home. Agency must be Profitable with current Carriers. Agency must fully complete the MetLife Profile form in its entirety to be considered. (provided in market access application confirmation). Appointments are not guaranteed and are based on market capacity and factors listed above. 26 | 2021 Market Access: A Big I KY Guide


PUT THE PRO IN PROGRESSIVE LEE BRADLEY Lee_W_Bradley@Progressive.com 912-655-3400

PROGRAMS AVAILABLE

Personal Auto w/ proof of prior auto ins, no lapse in coverage and HO NEW: 11% Personal Auto w/ proof of prior auto ins, no lapse in coverage and HO REN: 8% Personal Auto w/ proof of prior auto ins, no lapse in coverage and No HO NEW: 10% Personal Auto w/ proof of prior auto ins, no lapse in coverage and No HO REN: 8% Personal Auto w/ No proof of prior auto ins and No HO NEW: 8% Personal Auto w/ No proof of prior auto ins and No HO REN: 8% Motorcycle NEW: 13% Motorcycle REN: 8% Boat NEW: 8% Boat REN: 8% Recreational Vehicle NEW: 8% Recreational Vehicle REN: 8% Commercial Auto NEW: 8% Commercial Auto REN: 8%

MARKET AVAILABILITY

Agents must write two policies per month. Must be in good standing with Progressive Must not have been previously terminated by Progressive Applicant must operate and maintain a storefront or retail location for their operation

SHOW HOSPITALITY WITH RMS FRANK ELORZA felorza@rmshg.com 516-417-0824

PROGRAMS AVAILABLE

General Liability, Liquor Liability & Assault & Battery for Hospitality Risks are written with Clear Blue Specialty and United National Group. Franchise Food General Liability and Property plus WC are written with Crum & Forster Specialty Insurance.

COMMISSION RATE

Clear Blue Specialty General Liability 10% new and 10% renewal. United National General Liability 10% new and 10% renewal. Crum & Forster General Liability, Property and WC 10% new business and 10% renewal. 27 | 2021 Market Access: A Big I KY Guide


RAISE THE BAR WITH TRAVELERS THOMAS GROFF, CPCU tgroff@travelers.com 630-319-8341

PROGRAMS AVAILABLE

(Personal Lines Only) Automobile, Homeowners, Dwelling Fire, Specialty Lines

COMMISSION RATE

Auto – up to 10% New and Renewal Home – up to 15% New and Renewal Specialty Lines – Varies depending on product. Available upon Request

MARKET AVAILABILITY

Years in the industry 5+ years Years in agency 2+ years Agency has a personal lines focus Agency preferably has/follows a formal written business plan Agency management system in place Active website and social media presence required Commitment to paperless on all new business Agency committed to using Travelers Customer Care Center(CCC) Program Profitable with current carriers Account rounded focus – minimum of 6+ policies a month with Travelers

BE A V3 PARTER

KEN HUNTER ken.hunter@v3ins.com 309-831-8832 PROGRAMS AVAILABLE

The V3iconnect Comp Program is a state of the art internet Based Workers’ Compensation program designed for single and multi-state risk with full on-line quote and bind capabilities. Small to medium sized employers, With premium ranges between $5,000.00-$200,000.00 . V3 accepts New Ventures in all industries other than Construction. Experience mods between 0.75 and 1.69 - other mod ranges is a referral Wide range of industries including but not limited to construction, servicing and manufacturing

COMMISSION RATE

Commission rate is 8% new and renewal 28 | 2021 Market Access: A Big I KY Guide


YES WAY.

From time to time we meet a Big “I” member who hasn’t yet learned about the market access solutions available through Big “I” membership. After hearing about our stellar product lineup and competitive commissions, the reaction can often be summed up as, “No way!” But we assure you–yes way.

Big “I” Markets, featuring Big “I” Eagle Agency, has been working with our member agents to make insurance magic since 2002. As part of your national association, it’s our mission to bring you the best solutions to help your agency thrive. We know you because we are you. Find out how to plug into the power of cyber, affluent, bonds, umbrella, standard & non-standard personal lines, and small commercial today.

No fees. No minimums. Own your expirations.

BIGIMARKETS.COM Updated June 2020

29 | 2021 Market Access: A Big I KY Guide


What is Big “I” Markets? Big “I” Markets is IIABA’s FREE online market access program. We provide Big “I” members with access to specialty/niche coverages, program business and hard-to-nd markets. Our top tier carrier partners offer access to the products you need, including affluent homeowner, bond, small commercial package, monoline commercial auto, habitational, standard automobile, standard and non-standard homeowner, jewelry insurance, and more. Stand-alone personal umbrella and in-home business continue to be top-sellers. Recent additions to our all-star product line up include instant issue small business cyber liability coverage, Coalition cyber liability with risk assessment support for larger accounts, and Safeco standard personal lines.

What sets Big “I” Markets apart? After completing a brief ve-minute online registration, you can begin submitting business immediately though www.bigimarkets.com. There’s no waiting period. No background check. Simply answer a few qualifying questions, tell us about your E&O insurance and accept the sub-producer agreement. Then you’re off and running and can begin submitting and doing business online 24/7. The program features:

 No initial access fees

 No ongoing monthly fees  No termination fees

 No monthly minimum production requirements  No obligation to submit other accounts  Ownership of expirations

 EFT commission payments

 Direct communication with carrier underwriter or decision maker on most programs  Free weekly e-newsletter featuring product knowledge and special interest pieces

As a member of Independent Insurance Agents and Brokers of America, you’re invited to plug into the power of this program and see how we can help you grow your agency. You can access the markets you need once a year or multiple times per day; the price to access products through Big “I” Markets remains the same: zero.

Where do I sign up? Visit www.bigimarkets.com to quickly register and begin submitting business. Start by viewing brief minute demonstration videos on how to register and how to submit a quote. Need more help? Contact Big “I” Markets at bigimarkets@iiaba.net or (703) 647- 7800. Don’t waste a moment–log in to Big “I” Markets today and see what you’ve been missing!

30 | 2021 Market Access: A Big I KY Guide Updated 3/2021


Agency Success Specialist bigimarkets@iiaba.net Big I Markets provides exclusive Market Access for Big I Members. 127 S. Peyton Street Alexandria, VA 22314

AFFILIATE COMPANIES AIG, AU Gold, Chubb, CNA, Coalition, Goldleaf Surety, Jewelers Mutual, Lexington, MetLife Auto & Home, Progressive, Safeco, Travelers

LINES OF BUSINESS Affluent, Standard & Non-standard Personal Lines, Bonds, Commercial Auto - Monoline, Cyber, Small Commercial, Vacant Personal & Commercial

KY AREAS WRITTEN Geographic limitations may apply by carrier

PREFERRED PARAMETERS Underwriting guidelines located on www.bigimarkets.com

NO VOLUME COMMITMENTS NO RESTRICTIONS ACCESS BUSINESS Electronic application submissions on www.bigimarkets.com

31 | 2021 Market Access: A Big I KY Guide


Nancy Doherty nancy.doherty@iiaba.net Eagle Agency gives direct access to preferred personal lines carriers with minimal volume commitment. 127 S. Peyton Street Alexandria, VA 22314

AFFILIATE COMPANIES MetLife Auto & Home, Safco and Travelers

LINES OF BUSINESS Auto, Home, Recreational Vehicles, Umbrella, Valuables, Watercraft

KY AREAS WRITTEN Geographic limitations may apply by carrier

PREFERRED PARAMETERS Preferred middle market auto and home

VOLUME COMMITMENTS 3 new business accounts per month, per carrier

RESTRICTIONS Premium requirement to obtain direct appointment; Policy download availability limited

ACCESS BUSINESS Apply at www.bigimarkets.com and select Eagle Agency

32 | 2021 Market Access: A Big I KY Guide


How to Register. What is Big “I” Markets? Big “I” Markets is an online market access program where members enjoy exclusive access to top tier products with no fees, no volume commitments and with competitive commissions. Plus, they own their own book of business. As long as you’re an active Big “I” member, you’re able to plug into the power of Big “I” Markets. Ready to register? Your agency can register for Big “I” Markets online and be quoting business in as little as 10 minutes. First, assemble the following information:      

The Agency Tax ID number Bank routing and account number (to receive commissions via EFT) Agency errors and omissions insurance policy information Your agency license number, if your state assigns one In South Carolina, the broker license(s) License numbers and email addresses of those who will be submitting business

Go to www.bigimarkets.com (Do not log in just yet; you’ll do that on the next screen) and click “register/update prole” at the top right corner of the page to start the process. Enter your user ID, which is your email address. Your default password is your six-digit member ID. If you don’t know it, simply select ‘’forget your password’ and it will be reset. If the system doesn’t recognize your email address, contact us at (703) 647-7800. Complete information on the following pages. Here’s what we’re looking for: Page 1 Information on the rst page is populated from our member database. Double check it for accuracy.

Pages 2 and 3 Enter requested data including agency business structure, banking and E&O information.

Updated June 2020

Page 4 Answer the seven background information questions. Responding “Yes” to any of these will stop the registration process, but it doesn’t necessarily mean you cannot register. A Big “I” Markets team member will contact you within one business day for more information. Or, call them at (703) 647-7800. Page 5 This page will populate with staff who appear in our member database. Click on the “Enter License Info” button for each person who should have permission to submit business. In South Carolina, at least one user must provide a Broker license. Unlicensed staff will have “view-only” access as long as their name and email address are recorded. Select ‘add user’ at the bottom right to add staff not listed. (You can enter other staff information later.) Page 6 Registering for Big “I” Flood gives you access to Selective Flood’s agency portal. Indicate if you would like to receive an appointment and enter ood information. Clicking “No” for either question will not prevent you from using the Big “I” Flood program in the future.

Page 7 Read and e-sign the Agency Sub-Producer Agreement by entering your initials in the box at the bottom then select “Accept.” You are encouraged to printout the agreement for your records. You’re in! Each person should login with their own email address and password; user credentials should never be shared.

On the last screen you will be prompted to send an email to everyone in your agency about the new ability to Plug into the Power of Big “I” Markets. Choose one, after which you will automatically be directed to the Big “I” Markets login page. Questions? View the brief demonstration video on the Registration login page. Big “I” Markets team members are on hand at (703) 706-5408 or bigimarkets@iiaba.net.

33 | 2021 Market Access: A Big I KY Guide


Relax...

You’ve offered each of your clients a personal umbrella policy.

Right? It might not be quite as relaxing as a day at the beach, but knowing you’ve done everything in your power to protect the customers who trust you to help them will go a long way towards easing your mind. Offering each and every client an umbrella not only protects those who choose to purchase the coverage. It protects your agency from liability. And it protects your book of business, since studies show that customers who have multiple policies are less likely to move their business elsewhere. As a Big “I” member, you have access to a stand alone personal umbrella program from A+ rated carrier RLI, featuring: Limits up to $5 million available Excess UM/UIM available in all states You can keep your current homeowner/auto insurer New drivers accepted - no age limit on drivers Up to one DWI/DUI per household allowed Auto limits as low as 100/300/50 in certain cases Competitive, low premiums for increased limits of liability Simple, self-underwriting application that lets you know immediately if the insured is accepted E-signature and credit card payment options Immediate coverage available in all 50 states plus D.C.

So cover your clients... protect your agency... and profit from umbrella sales!

To access log onto www.bigimarkets.com or visit www.iiaba.net/Umbrella.


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Success Writing Coverage in Kentucky, Indiana, and Tennessee Offering Enhanced Compensation Plan on all New Business Workers’ Compensation that is Clearly Better

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Profile for Big I Kentucky

2021 Market Access: A Big I KY Guide  

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