POLICY MAGAZINE - Winter 2025

WINTER 2025

A New Chapter in Education Pg.22

As we wrap up another incredible year together, we want to take a moment to thank each of you — our valued members, partners and friends — for your continued trust, dedication and support.

Your commitment to excellence and to one another is what makes Oklahoma’s independent insurance community so strong.

Because of you, BIGiOK continues to grow, serve and make a difference in our industry and our state.

May this holiday season bring you peace, joy and time well spent with the ones who matter most. Here’s to a bright and prosperous New Year ahead filled with opportunity, connection and success.

From all of us at BIGiOK, Merry Christmas and Happy New Year!

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Contents-Only

WINTER 2025 | VOL. 82 NO. 40

EDITORIAL STAFF Publisher

Denise Johnson, CISR, CIC Managing Editor

Jerri Culpepper Graphic Designer

Denise Canon PROFESSIONAL STAFF President/Chief Executive Officer

Denise Johnson, CISR, CIC Chief of Staff and Operations

Josh Reasnor, MSSL, CISR, CKC Senior Vice President of Strategic Initiatives

Sara Bradshaw Ray, CIC, CKC

Workers’ Compensation Account Manager

Jeanette Madrid

Director of Member Services

COVER

COLUMNS

22 A New Chapter in Education

4 Drum Roll, Please: Introducing the BIGiOK Pathways to Learning

FEATURES 21 Your Contracts Are Still Showing! Decoding Contractual Liability 26 Education Calendar 28 Young Agents 30 Newsmakers

Denise Johnson, CISR, CIC

6 We All Need to Wear a ‘White Coat’ Scott Dull

8 Evolving with Purpose: Protecting What Matters in a Time of Change Connor Myers, CCIS

10 Weathering Every Season Together

Shania Slavick

Director of Marketing and Communications

Jerry Rappe’

Chris Floyd, CIC, CRM

Specialty Lines Service Account Manager

Cindy Munden, CISR

12 The Hidden Costs of “The Way We’ve Always Done It”

Director of Professional Liability

Cari Senefsky

Agency & Education Specialist

Ali Qureshi

Sara Bradshaw Ray, CIC, CKC

16 Protect Your Biggest Investment Glen Mulready Visit www.BIGiOK.com POLICY is the official publication of the BIGiOK. POLICY is published quarterly and distributed to all member agencies and other interested parties in Oklahoma. Manuscripts and contributions are welcome and will be considered for publication at the discretion of the BIGiOK Publications Committee.

Correspondence and advertising inquiries may be addressed to BIGiOK, P.O. Box 13490, Oklahoma City, OK 73113.

Ph: (405) 840-4426 or 1-800-324-4426 Select images and graphics courtesy of freepik.com

From the President/CEO

Drum Roll, Please: Introducing the BIGiOK Pathways to Learning

“The capacity to learn is a gift; the ability to learn is a skill; the willingness to learn is a choice.”

- Brian Herbert Happy Holidays, everyone!

It’s hard to believe we’re wrapping up 2025 — what a year it’s been!

As we look ahead, I could not be more excited about what’s coming in 2026.

Over the past few years, we’ve seen our Education Program decline and, frankly, fall short of meeting the evolving needs of our members in today’s fast-changing educational environment. After extensive research and development, I’m thrilled to share that our Board of Directors has fully embraced a new and innovative approach — Big I Oklahoma’s “Pathways to Learning.”

A New Era of Learning For more than 30 years, our education offerings centered around two main designations: Certified Insurance Counselor (CIC) and Certified Insurance Service Representative (CISR). While these programs have served our industry well, member feedback made it clear — two paths are no longer enough.

Pathways to Learning reflects the modern learner’s needs: dynamic, flexible, and customized. Instead of a one-size-fits-all approach, training now adapts to individual goals and results.

Through Competency Mapping, we can define exactly what each team member needs to know, ensuring consistent outcomes — even if everyone’s journey looks a little different.

Traditional classroom education can be rigid, time-consuming, and not always 4

POLICY | Winter 2025

relevant to niche areas of the insurance market. With the industry shifting rapidly toward digital solutions and remote work, this is the perfect time to evolve. Online, adaptive learning gives professionals flexibility, accessibility, and control — allowing them to learn on their own schedule, revisit materials as needed and apply their knowledge more effectively.

Denise Johnson, CISR, CIC BIGiOK President/Chief Executive Officer

New Learning Options for Every Professional We’re excited to introduce new education partners and programs designed to meet a wide range of professional goals: The Institutes Offering one of the most comprehensive online learning platforms in our industry, The Institutes provides a wealth of opportunities — from MicroCerts to the AAI and more than 31 professional designations!

A few examples include: • Associate in Program Business (APB) • Associate in Data Analytics (ADA) • Associate in Insurance Accounting and Finance (AIAF) • Associate in Surplus Lines Insurance (ASLI) • Associate in Fidelity and Surety Bonding (AFSB) • Associate in Insurance Management (AIM) …and many more!

BIGiOK.com

From the President/CEO Highlights: • CIC/CISR Waiver Program: Active CIC or CISR designees can apply earned hours toward the AAI program and, after completing specific bridge courses, achieve the AAI designation.

• Lifetime Designations: Once you earn your designation, it’s yours for life — no more annual renewal fees!

• Continue your journey by stacking designations and finding your own Pathway to Learning.

Accredited Insurance Lines Professional (AILP) This isn’t a beginner program — it’s an advanced, distinguished designation for professionals ready to deepen their expertise and elevate their careers.

The AILP focuses on: • Mastering complex coverage concepts • Enhancing client relationships

The Road Ahead You’ll be hearing a lot more about Big I Oklahoma’s Pathways to Learning in the coming months — and I can’t wait to see how it helps our members grow, adapt and thrive in this new era of professional development.

Here’s to a bold and innovative 2026!

As always, please feel free to reach out with any questions at denise.johnson@bigiok.com.

P.S. Conference Sneak Peek Mark your calendars for our Annual Conference in April at the Omni Hotel in Downtown OKC — we’ll be hosting an Insurance Commissioner Forum featuring candidates running for Insurance Commissioner. You definitely won’t want to miss it!

• Strengthening analytical and professional skills Courses include: Commercial General Liability, Commercial Auto, Workers Compensation and Commercial Property.

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5

From the Chairman

We All Need to Wear a ‘White Coat’

White coat? What in the world??? I’ll get back to that in a minute, but first let me introduce myself. I’m Scott Dull, chairman of BIGiOK. Along with my two brother partners, we are second-generation owners of Omega Insurance Agency in Choctaw. Our father and mother established the business, back then known as Dull Insurance, in 1963. A few M&As occurred through the years before the business was rebranded and renamed to Omega Insurance in 1984. Our folks retired in 1997 and sold to business to Russell, Dean and I.

2012. Even after that, he invited us into his home to take care of minor illnesses and for regular checkups. And get this; he wore a white coat.

That white coat signifies something: many years of hard work, study and practice.

When Dr. Bill had his white coat on, he was all doctor – a true professional, extremely knowledgeable and all business. When off work and out of that white coat, he was just a regular guy. I was fortunate enough to see that side of him, as he was a client of mine.

Scott Dull Chairman

Our clients need and expect this kind of service I speak of here. We all need to be wearing that ‘white coat’.”

Now what about that white coat? I’m talking about the lab coat doctors wore back in the day. Allow me to preface that story.

My family doctor when I was a kid was just that; a family doctor. He did it all. We called him Dr. Bill. He not only had his own practice for family care; he was also a surgeon. He’d be at the hospital from 6 to 8 a.m., in his clinic from 8:30 until midafternoon, then back to the hospital from then on, until all his patients were taken care of, no matter how long the day.

He took care of me, my siblings and my parents. When I started my own family, he took care of me and my wife. He delivered all of three children and took care of their medical needs until he retired in 6

POLICY | Winter 2025

What does all this mean? Dr. Bill was a mentor to me. From my above reflections, he showed me that I could be a “regular guy” when not at work. But at work as a professional insurance agent, I better have my “white coat” on at all times, doing what’s best for my clients. That means being respectful, courteous and knowledgeable: a professional. Nothing more ethical than that. Thank you, Dr. Bill.

We all have our specialties in this, our insurance industry. I couldn’t be prouder to be serving in this profession, as well as chairman of “The Big I”. Our clients need and expect this kind of service I speak of here. We all need to be wearing that “white coat”.

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From the Young Agents Committee

Evolving with Purpose: Protecting What Matters in a Time of Change

We all know our industry is evolving — bringing new opportunities alongside new challenges. In insurance, we’re fortunate to work within a field that remains essential. Every day, we have the privilege of advising and protecting coffee shops, landscapers, tech startups, families, factories and everything in-between. Nearly every business and household rely on the protection that insurance provides. To preserve that trust, we must stay true to our core purpose: doing everything in our power to protect the businesses and families we serve, ensuring they never find themselves without a helping hand.

Our industry, like so many others, is in a period of remarkable innovation. With the growing presence of AI — both in our own operations and in those of our clients — we’re entering a time of incredible potential. What I’d like to explore today is how we can embrace this progress to better serve our clients and communities, while preserving the personal connection that has always been at the heart of what we do.

The technology we have access to today can help us work smarter, faster and more efficiently than ever before. We can use AI and data-driven tools to identify coverage gaps, streamline communication and make sure our clients receive timely, accurate service. These innovations have the power to enhance the client experience and allow us to focus on what truly matters: building trust, relationships and understanding the unique needs of those we serve.

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POLICY | Winter 2025

However, as we embrace these tools, it’s important to remember that technology should complement our relationships, not replace them. Insurance is — and always will be — a people business. The conversations we have, the empathy we show and the trust we earn cannot be automated. While AI can help us process information and manage tasks, it cannot replicate the reassurance of a human voice in a time of uncertainty or the guidance that comes from years of experience.

Connor Myers, CCIS Young Agents Committee Chairman

I encourage the new faces in our industry to approach this period of change with both curiosity and care. Strive to balance efficiency with empathy and use innovation as a tool to enhance how we serve others — not replace the human touch that defines our work. Commit to learning something new every day, and lead with kindness in every interaction.

The future will always carry elements of both uncertainty and excitement, but it’s through that balance that growth occurs.

It’s now up to the next generation of leaders to walk that line thoughtfully, embracing new ideas while honoring the values that built this industry. Our clients and communities depend on us, and there has never been a better time to be the steady, helping hand they can rely on.

Our mission remains the same: to protect, to advise and to be there when it matters most. The tools may change, but our purpose never will.

BIGiOK.com

BIGiOK.com

Winter 2025 | POLICY

9

From the State National Director

Weathering Every Season Together

As anyone from Oklahoma knows, our weather has a way of keeping us on our toes. From spring tornadoes to sizzling summers, from ice storms that test our patience to winds that seem to never quit – living and working here reminds us daily of the importance of preparation, adaptability and community.

That same spirit defines who we are as independent insurance agents. And it’s why I’m proud to serve as your national director representing Oklahoma within the Independent Insurance Agents & Brokers of America, Inc. (IIABA)— better known as the Big “I”.

brokers are equipped to face an everchanging insurance landscape.

As our national trade association, the Big “I” provides the tools, advocacy and resources that give independent agencies a sustainable competitive edge – helping us continue to deliver exceptional service and security to the families and businesses who depend on us.

Chris Floyd, CIC, CRM State National Director

Strength in Numbers Since its founding in 1896, the Big “I” has grown into a federation uniting the national association and 51 independent state associations, each

“Just as Oklahomans prepare for whatever the skies may bring, the Big “I” exists to ensure that independent agents and brokers are equipped to face an ever-changing insurance landscape.”

This winter, as we reflect on another year, it’s a good time to reconnect with the organization that stands with us through every season and every storm.

Our Mission: A Steady Hand in Changing Conditions Just as Oklahomans prepare for whatever the skies may bring, the Big “I” exists to ensure that independent agents and

10 POLICY | Winter 2025

led by dedicated executives, staff and volunteer agent leaders.

When an agency joins our Oklahoma association, it automatically becomes part of this national network – now nearly 25,000 independent agency locations strong. Together, we stand for the values that make our industry vital: choice, advocacy and trust.

BIGiOK.com

From the State National Director Big “I” members represent multiple carriers and serve clients across every line of coverage – property, casualty, life, health and employee benefits – helping our communities prepare for life’s unpredictable weather, both literal and figurative.

Guided by Volunteer Leadership The Big “I” is governed by an executive committee of seven elected members and one agent chair, along with a national board featuring one volunteer agent director from each state association.

This structure ensures that Oklahoma’s voice is heard at the national level, with leadership focused on effective advocacy, clear communication and unwavering support for independent

agents and brokers across the country.

A Legacy of Endurance Our state knows something about endurance – and so does the Big “I.” In 2021, the organization celebrated 125 years of service, continuing a legacy that began in 1896 with a handful of determined agents who wanted a unified voice. Since then, we’ve stood strong through wars, recessions, natural disasters and sweeping industry change.

From the landmark 1904 Yonkers case, which protected agents’ ownership of client expirations, to modern innovations like InsurBanc, Trusted Choice and expanded market access, the Big “I” has continually worked to safeguard the independence that defines us.

Looking Ahead Oklahomans understand that weathering storms – both literal and professional – takes preparation, partnership and perseverance. Those same qualities have sustained our independent agency system for more than a century.

As your national director, I’m honored to represent Oklahoma’s independent agents within the Big “I” and to ensure that our state’s voice and values help shape the future of our profession.

So as winter settles in and we brace for whatever the next front brings, let’s also take pride in our shared strength – the kind that endures every season, every challenge and every change.

Stay safe, stay warm and thank you for all you do to protect our neighbors and communities across Oklahoma.

Warm regards.

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Winter 2025 | POLICY

11

From Strategic Initiatives

The Hidden Costs of “The Way We’ve Always Done It”

It starts with a phone call.

The owner of a mid-sized independent agency — we’ll call him Sam (names changed to protect the innocent) was at his desk long after everyone else had gone home. A claim had just come in that could trigger an E&O issue. The coverage was placed correctly, but the documentation wasn’t where it should have been. As Sam dug through files, he found himself asking a question he’d avoided for years: Why does running this agency feel so hard?

On the surface, everything looked fine.

The agency was profitable, the staff loyal, and clients generally satisfied. But underneath, there were cracks: • Processes that depended on the “way we’ve always done it.”

• Team members who were working hard but often at cross-purposes.

• Leaders stretched so thin they had little time for vision or strategy.

• A digital presence that didn’t reflect the agency’s strengths.

Sam didn’t need someone to tell him he was failing — he wasn’t. What he needed was a better way forward.

From Habit to High Performance Sam’s story is not unique. Many agency owners are running good businesses, but they’ve grown comfortable with habits that limit performance. The truth is, good enough doesn’t have to be the standard.

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POLICY | Winter 2025

At BIGiOK Consulting, we’ve seen agencies transform when they take a step back and intentionally optimize how they operate. That optimization looks different for every agency, but it often involves five key areas:

Sara Bradshaw Ray, CIC, CKC BIGiOK Senior Vice President of Strategic Initiatives

1. Strategic Clarity A strong plan isn’t a binder that gathers dust on a shelf. It’s a living roadmap that helps owners and leaders make decisions with confidence. Strategic clarity keeps everyone — from principals to producers — rowing in the same direction.

2. Leadership Development Agencies thrive when leaders at all levels are equipped to lead. Whether it’s coaching for an executive navigating growth or training for a new manager learning to motivate a team, strong leadership development creates ripple effects across the organization.

3. Operational Optimization Bottlenecks and inefficiencies cost more than just time — they create risk.

Streamlined processes reduce frustration and uncover hidden E&O exposures before they turn into costly mistakes. This is where many owners have their “wakeup call.” That missing documentation. The overlooked process gap. Those are the details that make the difference between a minor hiccup and a major liability.

BIGiOK.com

From Strategic Initiatives 4. Strengths-Based Teams

Why Now?

Custom Solutions, Real Results

Every team has natural energy for getting work done, but too often that energy is wasted. By leveraging tools like the Kolbe A™ Index, leaders can align teams based on how people instinctively take action. The result? Less friction, fewer misunderstandings, and more productivity without adding staff.

Some owners wait until there’s a crisis to act. But the reality is, the current environment is already pressing agencies to do things differently.

One of the biggest misconceptions about consulting is that it’s a cookiecutter solution. Nothing could be further from the truth.

• The hard market is squeezing margins and increasing client expectations.

Some agencies come to us for a targeted engagement — maybe to streamline workflows or to build leadership strength around a single key player. Others choose a comprehensive engagement that evaluates strategy, operations, leadership, and technology together. In both cases, the work is customized to the agency’s size, goals, and growth stage.

5. Technology Alignment

• Workforce dynamics are shifting — leaders must adapt to motivate and retain talent.

From agency management systems to your website, technology should serve your business goals — not complicate them. A clear-eyed evaluation often reveals where tools are underutilized, outdated, or simply misaligned with the agency’s direction.

Waiting until “someday” isn’t an option.

Agencies that thrive in the next five years will be those that step back, reassess, and realign now.

• Clients compare your digital experience not to other agencies, but to Amazon and Apple.

The result isn’t a theoretical report — it’s actionable steps that move the agency forward. And in many cases, the improvements reduce liability exposure while increasing efficiency and profitability. continued on page 14

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Winter 2025 | POLICY

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From Strategic Initiatives continued from page 13

A Better Way Forward Sam’s story ended differently than it began. Instead of reacting to the next issue, he and his leadership team made time to step back, look at their agency holistically, and build a roadmap.

That roadmap became their filter for decisions, their guide for growth, and their safety net for reducing risk.

5 Signs It’s Time to Rethink Your Agency Operations

Your agency deserves the same.

Start the conversation. Whether you want to focus on one pressing issue or take a high-level, comprehensive look at your agency, BIGiOK Consulting can help you chart the best path forward.

Visit BIGiOK.com/consulting to learn more or reach out directly to me, Sara Bradshaw Ray, SVP of Strategic Initiatives, at Sara@BIGiOK.com. You can also complete this quick questionnaire to get the conversation started.

1. You’re making money, but you feel like you’re working harder than ever.

2. Your team spends more time fixing problems than serving clients.

3. Processes depend on “the way we’ve always done it” — and only one person knows how.

Don’t wait until you’re forced to change.

Discover your better way now — and lead your agency forward with clarity, confidence, and purpose.

14

POLICY | Winter 2025

4. You’ve wondered more than once if a missed detail could create an E&O nightmare.

5. Your strategic plan is to sit on a shelf instead of guiding your decisions.

If you checked even one of these, it may be time to explore a better way forward.

BIGiOK.com

Saddle Up for INSURCON 2026!

Dust off your boots and mark them calendars, partner.

INSURCON 2026 is ridin’ into town and it’s fixin’ to be one heck of a gathering! Join agents, partners, and industry trailblazers from all across Oklahoma for two full days of learning, connecting, and good old-fashioned inspiration at the Omni Oklahoma City Hotel, April 7–8, 2026.

Here’s what’s on the horizon: • FORTIFIED Home Program Panel – Get the lay of the land on how resilient homebuilding standards are changin’ the property insurance game. Our expert posse will break down the FORTIFIED initiative and how it’s shakin’ up Oklahoma’s housing scene.

• OK-PAC Dueling Pianos Event – Kick back for a rip-roarin’ night of tunes, laughter, and fellowship — all while supportin’ the advocacy work that keeps our industry strong.

• Golf Tournament – Grab your gear and hit the greens with fellow agents and partners for a day of friendly competition and tall tales under the sun.

• Insurance Commissioner Candidate Forum – Saddle up for straight talk from the folks ridin’ for Oklahoma’s insurance future. Ask questions, gain insight, and be part of the decision trail.

• Technology Sessions – Keep your agency ahead of the herd with hands-on tech sessions coverin’ automation, client tools, and innovation that keeps you leadin’ the pack.

• E&O and Education Breakouts – Sharpen your skills and manage your risks with sessions built to make your agency tougher than rawhide.

• The Legendary Partner Showcase – Meet face-to-face with top carriers and solution providers. Shake hands, share stories, and discover new ways to keep your agency ridin’ high.

INSURCON 2026 ain’t just a conference — it’s a full-on roundup of education, advocacy, and celebration. Don’t miss your chance to ride with the best in the business!

From the State Insurance Commissioner

Protect Your Biggest Investment

Our homes are often our biggest investments, and protecting them should be everyone’s priority. Making our homes stronger and safer prevents damage and saves money on our insurance premiums.

Commissioners at the National Association of Insurance Commissioners have discussed and prioritized this issue, and we all agree that mitigation is key.

The Power of Mitigation “Mitigation” means taking action before disaster strikes. It’s about strengthening your home so it can better withstand storms, fires or other damage. These

risks, which may also reduce your premiums.

• Using smart home technology and looking into leak sensors that shut off the water main can prevent major water damage, a top cause of insurance claims.

Glen Mulready State Insurance Commissioner

• Updating wiring and plumbing by replacing old systems helps prevent fires and leaks.

• Performing regular maintenance, cleaning gutters and removing dead trees help protect your home from future damage.

Oklahoma knows severe weather.

From convective storms to tornadoes, our homes face tough conditions year after year. improvements lower your risk of future losses, which helps keep insurance costs down.

I’ve put together some simple steps that every homeowner can take: • Installing security systems, adding alarms, smart locks and monitored systems, can earn discounts of 5% to 20%.

• Upgrading your safety devices, such as smoke detectors, fire extinguishers, and sprinkler systems, can lower fire

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POLICY | Winter 2025

Depending on where you live, like Oklahoma, you can go even further: • Upgrading to an impact-resistant roof protects your home from hail and high winds and may qualify you for a discount while helping you avoid expensive roof repairs.

• Using fire-resistant materials and keeping brush clear around your home can make a major difference in protecting it from high winds and approaching fires.

BIGiOK.com

From the State Insurance Commissioner • Elevating utilities and adding proper flood openings can reduce flood losses and lower your flood insurance rates.

Oklahoma knows severe weather. From convective storms to tornadoes, our homes face tough conditions year after year. That’s why the Oklahoma Insurance Department launched the Strengthen Oklahoma Homes Grant Program last April. This program helps homeowners replace their roofs with FORTIFIED roofs, which are built to keep the roof on and the rain out.

Hundreds of Oklahomans have applied in the last six months, and we are completing projects across the state.

Homeowners who install a FORTIFIED roof can save an average of $700 to $800 per year on their homeowners’ insurance.

That’s real savings, knowing your home is safer and more secure.

A Stronger, Safer Oklahoma Every Oklahoman can contribute to creating a safer, more resilient state.

Investing in home mitigation today,

you protect your biggest asset, reduce future losses and help keep insurance costs reasonable for everyone.

To learn more about the Strengthen Oklahoma Homes Grant Program, visit oid.ok.gov/okready and see how you can strengthen your home today.

OID is here to help. Call 800-522-0071 or visit oid.ok.gov. Protect your home.

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About BIGiOK

BIGiOK LEADERSHIP President/CEO

Denise Johnson, CISR, CIC BIGiOK Oklahoma City

Chairman Elect

Treasurer

Omega Insurance Agency Choctaw

INSURICA Tulsa

Scott Dull

Secretary

Immediate Past Chairman

Cornerstone Insurance Group Oklahoma City

Ricketts Fennell & Assoc.

Tulsa

Trent Willis

Vicky Courtney

Guy Griggs

State Director

Chris S. Floyd, CRM, CIC Brown & Brown Insurance Pryor

Director at Large

Director at Large

Director at Large

Dillingham Insurance Oklahoma City

Rich & Cartmill Tulsa

Extra Mile Insurance Owasso

Helen Kasper

Tom Perrault

Niki Henley

YAC Chairman

Company Liaison

MGA Liaison

Alliant Insurance Oklahoma City

Liberty Mutual Oklahoma City

One General Agency Oklahoma City

Connor Myers

Traci Madole

LeAnn Sanderson

BIGiOK MISSION STATEMENT As the new voice of the independent agents of Oklahoma, BIGiOK promotes and provides education, legislative advocacy, innovative concepts and practical solutions, and community and career opportunities.

ABOUT BIGiOK Founded in 1906 as the Oklahoma Association of Local Fire Insurance Agents, BIGiOK (Big I Oklahoma, Independent Insurance Agents of Oklahoma) has grown into the largest and most influential insurance trade association in the state.

With nearly 450 independent insurance agency members, we proudly represent over 3,000 independent insurance agents and their teams. Our members range from small, one-person operations to some of the largest and most respected agencies in the region.

BIGiOK’s mission and policies are shaped by a dedicated board of directors, elected each year at our annual convention, and implemented by a professional staff based in Oklahoma City. Our work is driven by a commitment to strengthening independent insurance agencies through a variety of 18

POLICY | Winter 2025

programs and services. From advocacy before legislative, regulatory and judicial bodies in Oklahoma to providing essential resources, BIGiOK is a powerful voice for independent agents at the state level.

We are also proud to be affiliated with the Independent Insurance Agents & Brokers of America (IIABA), a national organization based in Alexandria, Virginia, and Washington, D.C., that amplifies our advocacy efforts on a national stage.

Beyond advocacy, BIGiOK serves as the go-to resource for information and updates within the insurance industry. Through our publications—Policy Magazine, the BIGiOK Newsletter and other time-sensitive member communications—we ensure that our members stay informed and equipped to thrive in an ever-evolving industry.

BIGiOK.com

OKPac is BIGiOK’s state political action committee. It provides financial support for state elected officials who will provide support for or have shown support of issues affecting the insurance industry and to those who share our business philosophies. Only individuals or partnerships can make contributions to OKPac. Under Oklahoma law, OKPac can accept no contributions from corporations.

2025 Contributors John Ankeney Jeremy Bagley* Aaron Bogie Mark Carlin Vicky Courtney Joan Curtis Melanie Dinwiddle Jennifer Dotter Michael Dull Warren Dull Rebecca Easton

Chris Floyd Vaughn Graham Guy Griggs Niki Henley Jaycee Hyde Denise Johnson Helen Kasper Traci Madole Pat Mandeville Jerry Martinez Avery Moore*

Rob Piercy Meghan Pizzalato Kathy Reeser Jase Riggs* Margaret Rutherford LeAnn Sanderson Mike Taylor Courtney Willis Trent Willis

InsurPac is BIGiOK’s national political action committee. It pools the voluntary and individual financial contributions of thousands of independent insurance agents to help elect candidates to Congress who share BIGiOK’s business philosophies. InsurPac is the largest property-casualty insurance industry PAC in the country.

2025 Contributors Wes Becknell* Travis Brown Debbie Burton Mark Carlin Michael Cole Vicky Courtney John “Jed” Dillingham Jenny Dotter Timothy Driskill Scott Dull Chris Floyd Vaughn Graham, Sr.

Vaughn Graham, Jr. Austin Greenhaw Guy Griggs Rich Haverfield Tony Holmes Clayton Howell* Denise Johnson Mark Long R. Bruce Magill Patrick Mandeville Mark McPherson Kelly Miller

Jon Moon Avery Moore* Michael Mosley Thomas Perrault* Kathy Reeser Jase Riggs* T.J. Riley Michael Ross Belynda Tayar Brad Warwick Ed Young

See more information and quantifiable examples of contributions by going to: OKPac - BIGiOK.com/OKPac

Is your name not on the list? Make contributions today at BIGiOK.com/pac Contributions as of 11/15/2025. Only gifts of $100 or more are listed, except for Young Agents, whose contributions of any amount are listed.

BIGiOK.com

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We speak human, not fine print.

We believe insurance should sound like a conversation, not a contract. So, we skip the jargon and meet you where you are—with tools, insights, and people who know your customers’ industries inside and out, from manufacturers and contractors to breweries and wineries.

That’s how partnerships work. And that’s how we work. Because at EMC, we’re all about Keeping insurance human® Let’s get to know each other at emcinsurance.com

©Employers Mutual Casualty Company 2025. All rights reserved.

Agency Risk Management

Your Contracts Are Still Showing!

Decoding Contractual Liability When your clients sign contracts, they are not just agreeing to deliver services, they could unknowingly be accepting financial responsibility for risks that aren’t theirs. Learning the best ways to help your clients limit their liability can mean the difference between a successful client project and a possible errors & omissions claim against your agency.

Join Big “I” Professional Liability and Swiss Re Corporate Solutions for the next session in our agency risk management webinar series designed to educate agents and mitigate their E&O risk while helping meet today’s agency operational challenges.

What You’ll Learn • Definitions of contractual liability • How to meet indemnity requirements with confidence • Three solid methods to provide contractual liability coverage to help protect your clients • Pro tips to handle contractual liability methods like an expert

BIGiOK.com

Winter 2025 | POLICY

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BIGiOK's Pathway to Learning

A New Chapter in Education – BIGiOK’s Pathway to Learning

A New Chapter in Education

By Jerry Rappe, Director of Marketing & Communication, and Ralph, AI Assistant 22 POLICY | Winter 2025

BIGiOK.com

BIGiOK's Pathway to Learning For more than three decades, education has been part of BIGiOK’s DNA – from the week-long “education school” days in Norman to nationally respected designation programs that shaped careers across the state. But the way insurance professionals learn has changed. Classrooms gave way to laptops, rigid schedules to flexible modules, and single tracks to tailored pathways. Recognizing that shift, BIGiOK has reimagined its entire education approach – expanding choice, lowering cost and aligning offerings with how agencies actually work today.

I sat down with Denise Johnson, BIGiOK’s president & CEO, and Josh Reasnor, chief of staff & operations, to unpack what’s new, why it matters and what members can expect.

Honoring the Past, Building What’s Next “BIGiOK’s been in the education game for 30-plus years,” Johnson says. “My dad talked about the old Norman insurance education school – agents stayed a week, took classes all day and knocked out their CE.” Later, the National Alliance model took root. “For decades, you’d sit in a two-day class, take an exam and earn a respected designation. It worked – until the culture shifted.”

Members now expect online, on-demand and blended formats. “Fewer people want to sit in a room for two and a half days,” Johnson notes. “The old model became unsustainable. It was time to change.”

Reasnor says member feedback made the decision clear. “Our annual surveys consistently put CE at the top. PostCOVID, online learning surged, providers innovated fast and quality rose. With so many good options, it would be a miss not to broaden our portfolio.”

Mission First: More Choice, Real Savings As a not-for-profit, BIGiOK sought partners who share its purpose. “We look BIGiOK.com

for organizations that value the industry over profit,” Johnson explains. “Our focus is quality – and now, relevance and choice.”

Instead of a fixed set of topics, members can map a personalized pathway, from workers’ comp or surety/bonds to management or niche specialties.

Reasnor distills the value succinctly: “The member benefit used to be ‘highest quality education.’ Now it’s ‘highest quality plus significant financial discount.’ You can still pursue traditional multi-course designations, or stack micro-certs over days or weeks that build toward larger credentials. It’s your career, your pace.”

Johnson adds a headline number: “We’ve gone from two main programs to more than 35 designations. That’s a stepchange in what our members can access – and at better prices.”

One more structural change delivers long-term savings. “Think of a college degree,” Reasnor explains. “You don’t pay each year to keep it. With The Institutes, once you earn a designation, it’s yours – no annual maintenance fee. That’s real, recurring savings for agencies.”

One Call for the Right Fit Choice works best with guidance, so BIGiOK has invested in a “navigator.”

“We’ve trained Ali Qureshi across programs, designations and learning styles,” Johnson says. “Call and say, ‘I want a strong commercial foundation’ – he may point you to AILP. Want bonds?

He’ll route you to the right Institutes track. Prefer on-demand over two days of lecture? He’ll steer you accordingly.

It’s like a school counselor for insurance education.”

Two Flagship Designation Paths –Two Learning Styles

Reasnor adds, “Members have asked for sales training for years. Now we have a micro-certification for that – and we can point you to it immediately.”

BIGiOK’s refreshed lineup anchors around two complementary offerings:

Momentum You Can Feel

• The Institutes: A broad, online, on-demand catalog with 31+ designations and a thoughtful waiver program. “If you already hold a CIC or CISR, you can apply those hours,” Johnson says. “Take one class with an exam and earn an Institutes designation without redoing all the coursework. From there, branch into management or niche markets. You’re building a path that fits your role.”

• AILP (Accredited Insurance Lines Professional): Offered with the Massachusetts Association of Insurance Agents, AILP is a live, instructor-led two-day program with seven parts. “It feels familiar to those who like real-time Q&A with an instructor,” Johnson notes. “I’ve taken AILP classes and really enjoyed them.”

Beyond designations, BIGiOK is also offering free CE through The Institutes outside of designation programs. “Many courses are on demand,” Reasnor says, “and they’re adding six live webinars weekly for those who prefer a classroom feel.”

The response has been emphatic.

“I expected a little pushback from tradition,” Johnson admits, “but we’re seeing genuine enthusiasm – from the Board, from members and from Young Agents. Short, focused learning that fits real schedules just clicks.”

Reasnor agrees. “I can’t remember a time when there was buzz around CE in our industry. There is now.”

The shift also unlocks capacity for BIGiOK to do more in its own building. “We’ll host member-driven live days – oil & gas, leadership, mid-management – whatever’s urgent now,” Reasnor says.

“And because we’ve freed bandwidth, we can finally build a pre-licensing program designed specifically for BIGiOK members.”

What Agencies Will Notice First Targeted training and simpler execution.

“Employees can follow a path tightly aligned to their role, then build on it,” Johnson says. “That makes for better employees – and stronger agencies.” continued on page 24 Winter 2025 | POLICY

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BIGiOK's Pathway to Learning continued from page 23 “And it’s one-stop,” Reasnor adds.

“Everything you need is here – either heavily discounted or free with membership. No more hunting around for hours; you can come to BIGiOK and get it done.

“From an agency operations lens, that matters. As I often tell teams: if you’ve got time for leaning, you’ve got time for learning. Filling small gaps with microcerts and CE compounds into better service, higher retention and a tangible return on membership.

“Imagine building a development plan for every person in your agency without blowing your budget,” Reasnor says.

“That’s the difference.”

The Simple Message: More Options, More Value “We’ve gone from a couple of options to a full buffet of education – and it’s a

game changer,” Johnson says. “Whether it’s free CE or a new designation, this approach is more cost-effective and makes every person in your agency better.”

• No annual maintenance fees on Institutes designations – earn it and it’s yours.

For Johnson, the change is personal, too.

“I hold CIC and CISR, and I’ve taken some of these new classes myself. I wasn’t sure at first – but I really like the new styles.

More choice, more flexibility. It works.”

• Guided support: Call BIGiOK – Ali will help you map the right path for each person.

Reasnor brings it back to the mission.

“Same promise as always – top-tier education – just delivered in ways that fit how our members work today.”

Quick Takeaways for Members

• Micro-certs let you stack learning in days or weeks, matched to your role.

• Coming soon: Member-driven live days and a BIGiOK pre-licensing program.

Our goal is simple: When anyone in Oklahoma has a question about insurance education, the first answer is, “Let’s call the BIGiOK.”

• 35+ designations now available; 31+ through The Institutes, plus AILP live two-day option.

• Free CE (outside of designation programs) for members through The Institutes.

In the evolving energy sector, businesses are confronted with heightened regulatory demands and the initiative to enhance environmental sustainability. We offer customized insurance coverages designed to mitigate risks associated with green and renewable energy initiatives.

Policies are underwritten by Mid-Continent Casualty Company, an authorized insurer in all states except AK and NY; Mid-Continent Assurance Company, an authorized insurer in CA, CT, DE, HI, ID, LA, ME, MA, MO, NE, NV, NH, NJ, ND, OH, OK, PA, RI, TX, VT, VA, WV, WI and the D.C.; and Oklahoma Surety Company, an authorized insurer in AR, KS, LA, OK, TX and OH. © 2022 Mid-Continent Casualty Company, 1437 S. Boulder, Suite 200, Tulsa, OK 74119. All rights reserved. 5676-MCG (11/24)

24 POLICY | Winter 2025

BIGiOK.com

EVERY STEP OF THE WAY Step by step, shot by shot, decision by decision.

Behind every successful agent is a workers’ compensation partner they can trust completely.

RATED A EXCELLENT

STONETRUSTINSURANCE.COM

|

800.311.0997

Education Calendar DECEMBER • Dec. 10 ~ Episode 7: Free Friday Ethics Webinar ~ 11 a.m.-noon CT

COMING JAN. 1, 2026 Here’s a glimpse of what you’ll soon have access to: • 31 Full Designations: ∙ Specialized tracks in Agents & Brokers, Reinsurance, Surety, Workers Compensation, Claims, Service, IT, Risk Management, Underwriting and more. ∙ Member Perk: 20% off all certification programs, and never pay for renewals again!

• CIC/CISR Waiver Pathway ∙ If you hold your CIC or CISR, you’ll soon be able to utilize your current CIC/CISR hours, then in the simple process you'll take an additional class to earn The Institutes’ AAI, AAI-M, and/or ACSR designations. ∙ Member Perk: 20% off + scholarships available.

• FREE CEU Unlimited ∙ More than 150 FREE on-demand CE courses. Also, Live CEU webinars offered six times a week. ∙ Member Perk: FREE unlimited.

• Micro-Certs ∙ Stackable micro certifications that let you build skills while earning CE. ∙ Member Perk: 20% off all certification programs.

And there’s even more: • AILP Designations

• Oklahoma Legislative Update CE

• AIAM Designation

• Micro Credentials

• Oklahoma License Prep

• Mini-MBA for independent agency leadership (IA-MBA)

• Additional targeted CE opportunities • E&O renewal–approved courses

• A continually expanding CE library

And yes, every one of these programs includes added membership perks.

This launch represents a new chapter for BIGiOK. It’s about giving you more resources, more pathways to grow, and more support at every step of your professional journey.

Questions can be directed to education@bigiok.com.

26 POLICY | Winter 2025

BIGiOK.com

OUR ALLIANCE BENEFITS WILL BLOW YOU AWAY!

As a Big “I” member, you have access to personal and commercial markets through Big “I” Alliance. Start 2026 strong by taking advantage of your member-exclusive market access options!

ALLIANCE.

Our Big “I” Alliance Blue members have free access to multiple markets through our online platform.

Our Big “I” Alliance Gold members enjoy the benets of joining an agency alliance without the hefty fees and tough-to-escape contract terms common in the marketplace. And for those who wish to utilize it, signicant business coaching is included to help you grow your book and your agency.

Log on to learn more and plug in to the power of market access through Big “I” Alliance!

Learn more and join us!

BIGIMEMBERALLIANCE.COM

Young Agents

Young Agents Lunch & Learn Recap

The Young Agents Committee hosted a successful Lunch & Learn, proudly sponsored by CompSource Mutual.

Brad Owens presented “Selling Work Comp with Confidence: Understanding the EMod Advantage”, and we had great attendance! Attendees learned strategies to confidently sell workers’ compensation, understand EMod, and support clients with risk management.

The session was approved for 1 Hour of General CE Credit. Thank you to CompSource Mutual for supporting our young agents’ professional growth!

28 POLICY | Winter 2025

BIGiOK.com

Young Agents

BIGiOK.com

Winter 2025 | POLICY

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Newsmakers

2025 Future Insurance Leaders of Oklahoma Wrap-Up The 2025 Future Insurance Leaders of Oklahoma (FILO) Program concluded with a fun and engaging wrap-up event at Andretti Indoor Karting & Games! Participants celebrated a year of learning, networking and professional growth while enjoying an afternoon of friendly competition and team-building activities. Applications are now open for FILO 2026! Don’t miss your chance to be part of this exciting program designed to develop the next generation of insurance leaders. Learn more and apply at bigiok.com/filo

30 POLICY | Winter 2025

BIGiOK.com

RIVER VALLEY UNDERWRITERS Insurance for Every Peak and Valley

Send RVU all your risks including

• Property • GL • Garage • Environmental • Excess • Liquor Liability

• Auto Liability, Motor Truck Cargo, and Physical Damage • Professional • and Package

Andrew Adams

River Valley Underwriters, Inc.

(501) 475-7887

(833) 788-7887 (Tool Free) (501) 588-7717 (Fax) aadams@rvuins.com

BIGiOK.com

Winter 2025 | POLICY

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Partners Page for Policy 01052024 Partner Sheet - updated November 11, 2025 9:44 AM

DIAMOND DELUXE

PLATINUM PARTNERS

ALWAYS THANKFUL FOR THE SUPPORT OF THESE GREAT PARTNERS.

BIGIOK.COM/PARTNERS

GOLD PARTNERS

SILVER PARTNERS

Specialty Insurance Managers ~ Chubb ~ National American Insurance Company (NAICO) Zenith Insurance Company ~ The National Security Group ~ AF Group ~ Ironpeak ~ The Hartford ~ OAA ~ Columbia Insurance Group Oklahoma Agents Alliance DBA: One Agents Alliance / OAA ~ Columbia Insurance Group BRONZE PARTNERS

Taber Brokerage LLC ~ Central Insurance Company ~ Johnson and Johnson Inc ~ Pennsylvania Lumbermens Mutual Insurance Company ~ The Hanover Insurance Group ~ Lava Automation ~ Skyward Specialty Insurance ~ AmTrust Financial Services, Inc. ~ Chris-Leef General Agency ~ Burns & Wilcox ~ RT Specialty ~ ICW Group ~ Producers XL ~ AndDone ~ Berkshire Hathaway GUARD Insurance Companies ~ BHHC ~ Main Street America Insurance ~ GAINSCO Auto Insurance ~ FarmAssure, LLC ~ Patriot National Underwriters, Inc. ~ Jencap Insurance Services ~ Southwest Risk, LP ~ Prime Insurance Company ~ Quotewell ~ Peoples Premium Finance ~ Lumen Select Insurance ~ Travelers Insurance ~ CRC Group ~ Med James, Inc. ~ AMERISAFE ~ Equipment Insurance International ~ Risk Placement Services Inc. ~ HawkSoft ~ Stonetrust Workers’ Compensation ~ Summit ~ Keystone ~ Berkley Management Protection ~ Markel ~ BriteCo ~ Philadelphia Insurance Companies ~ Openly ~ Insurance Specialties ~ BBSI ~ ePayPolicy ~ Mivation ~ SmartChoice ~ Brightway Insurance ~ RLS Consulting/SecureMyAgency.com ~ Amwins Specialty Auto ~ RLI Insurance Company ~ National General, an Allstate company ~ WORKS24 ~ Farmers Alliance Mutual Ins Co ~ McGowan Companies ~ Foremost Insurance ~ Oklahoma Schools Insurance Group