POLICY SUMMER 2020

POLICY SUMMER 2020

Oklahoma’s Magazine

BIG I COMMUNITY: STRONGER TOGETHER Inside WHY WORKING FROM HOME WORKS EDUCATION CALENDAR

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SUMMER 2020 | VOL. 61 NO. 21 EDITORIAL STAFF PUBLISHER Denise Johnson, CIC

MANAGING EDITOR Jerri Culpepper GRAPHIC DESIGNER Brandy Akbaran

PROFESSIONAL STAFF

PRESIDENT/CHIEF EXECUTIVE OFFICER Denise Johnson, CIC CHIEF OF STAFF AND OPERATIONS Josh Reasnor DIRECTOR OF MARKETING AND COMMUNICATIONS Courtney Bloom WORKERS’ COMP PROGRAM ACCOUNT MANAGER Susan Starr MEMBER ENGAGEMENT AND OPERATIONS DIRECTOR Kortney Wahkinney DIRECTOR OF SALES, EVENTS AND NEW MEMBERSHIP Shania Slavick SPECIALTY LINES PROGRAM ACCOUNT MANAGER Cindy Munden, CISR E&O PROGRAM ACCOUNT MANAGER Cheryl Lyman

28

26

COVER

COLUMNS

28 ANNUAL CONFERENCE AND PARTNER SHOWCASE

4 OUR ASSOCIATION AT WORK AND PROTECTING OUR FUTURE Jeff Burton, Chairman

FEATURES

7 WHAT THE PANDEMIC TAUGHT US Denise Johnson, CIC

24 WHY WORKING FROM HOME WORKS 26 NEWSMAKERS 30 EDUCATION CALENDAR

12 COVID-19 – Initial Thoughts and Observations Tom Cooper 17 LOOKING FOR THE NEW NORMAL Candice Richardson 19 REFLECTIONS...

Gerald Keeton

POLICY is the official publication of the Big I OK. 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 Big I OK Publications Committee.

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

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

Visit iiaok.com

SUMMER 2020

20 LEARNING RE-DESIGNED: A must for success going forward Sarah Bradshaw Ray 22 WE’RE ALL IN THIS TOGETHER Glen Mulready

POLICY 3

OUR ASSOCIATION AT WORK AND PROTECTING OUR FUTURE

Jeff Burton, CIC, CPCU, CRM

CHAIRMAN

Let’s not take our association and its many resources for granted – especially its legislative advocacy.

OUR ASSOCIATION AT WORK

• COVID-19 Resources

My articles in POLICY have focused on the important role our association plays locally and nationally and the resulting value the association brings to each of us – its members.

• Reagan Consulting’s view on “How Coronavirus Will Impact Agents and Brokers”

Since the onset of COVID-19, the IIABA and our Big I Oklahoma have been on the front lines addressing the many issues facing members, our clients, insurers and our industry overall. What an historic event COVID-19 is proving to be, with many negative ramifications on so many fundamental areas of our lives and businesses!

• COVID-19 and Property/Casualty Insurance: Impacts and Outlook

Since early March, as a state association officer, I have received an abundance of correspondence from the IIABA related to COVID-19 issues and their tireless efforts to advocate, educate and advise. Each email has provided substantive and practical information helpful to members as well as key updates on the legislative issues being addressed both at the state national levels.

• Business Interruption – the many debates and proposals at both local and national levels

OUR association has provided helpful information and advocacy throughout: • Coronavirus insurance coverage information through Virtual University’s “Ask an Expert” • Telework Do’s Don’ts & Practical Advice

4 POLICY

• Families First Coronavirus Response Act

• CARES Act – PPP and Grants – eligibility, the process, how the money could be used, etc.

• State and Insurer Cancellation and Non-renewal moratoriums / premium payment arrangements

• Vacancy Clause concerns on property policies • Licensing Issues / Exam and CE Issues • InsurBanc webinars related to PPP • Insurer response to COVID “report card” summarized by the Consumer Federation of America The IIABA also created the Big I Trusted Choice COVID-19 Relief Fund with agencies and agents encountering unforeseen obstacles as a result of the pandemic. Grant support was received – most through insurer partners – and

SUMMER 2020

thousands of applications have been received. The response has been overwhelming. As of this writing, over $1.1 million in grant approvals have been completed through two rounds. Several Oklahoma agencies are grant recipients. And, another round of grant approval is coming.

Through the COVID-19 pandemic, of particular note has been the IIABA’s success (as of this writing) in preventing the passage of legislation designed to force insurers to pay for business interruption losses in spite of clear policy exclusions. It has taken a herculean effort to win these battles.

I will also add that through Denise Johnson and lobbyist Jami Longacre and many others, our Big I Oklahoma successfully fended off a similar business interruption bill from getting to the floor of the Oklahoma House. To achieve this successful outcome, many people responded very quickly and decisively to educate policymakers about the detrimental effects this bill would have had not only on the insurance industry but to our clients as well.

PROTECTING OUR FUTURE This article naturally leads to a call to action! As stated in previous issues, we need to up our game in contributing to our PACs. Let’s not take our association and its many resources for granted – especially its legislative advocacy. If each member contributed a nominal amount to each PAC, our advocacy funding needs would easily be met. Please, contribute to OkPac and InsurPac using the form inside this edition of POLICY. Your contributions are truly appreciated! n

SUMMER 2020

SAVE THE DATE ANNUAL CONFERENCE & PARTNER SHOWCASE “BIG I COMMUNITY: STRONGER TOGETHER” AUGUST 24-25, 2020 EMBASSY GUITES HOTEL & CONFERENCE CENTER 2501 CONFERENCE DRIVE NORMAN, OK 73069 We have set a new date for our Annual Conference! We hope you will be able to join us for this fun opportunity to network, earn continuing education credit educ and hear from some phenomenal speakers!

POLICY 5

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WHAT THE PANDEMIC TAUGHT US

H

ow crazy was it?? Who would’ve ever thought that the entire world would shut down for months? We found out a few things about ourselves: • We don’t have to go 90 mph day in and day out • We can cook at home • We can walk in our neighborhoods • Our dog loves everyone to be home for the whole day!

• Slow life isn’t so bad…

Denise Johnson, CISR, CIC

PRESIDENT/CHIEF EXECUTIVE OFFICER

There are so many new and exciting things on the horizon – be sure to watch our website www.bigiok.com and read our communication letters.

In the midst of the frenzy, your Association was working hard on your behalf! Here are some of the things that happened during the COVID-19 pandemic: • Kept busy on the state and national front working on legislation for our industry • Providing articles and directives for remote working and transitioning back to work • Keeping you updated on the events that affect you and the industry • Providing online education classes so you could keep up with your CE and continue to learn

I think the world that we have lived in prior to COVID-19 is going to look very different going forward. I’m very excited about the possibilities, and we are looking for ways to change with the times. We want to know what YOU need and want and ways we can make your business better.

There are so many new and exciting things on the horizon – be sure to watch our website www. bigiok.com and read our communication letters.

Our goal is to create a better world for you, our members. Always feel free to contact us with any questions – we’re here for you! n

• Keeping the staff engaged with you and your needs • Keeping the products that you need available to every member

SUMMER 2020

POLICY 7

Be more than an insurance agent.

Be the hero your clients can count on.

Our agent partnerships are powerful. By developing tailored insurance products and high-level customer experiences, we give our agents the ability to deliver the protection their clients deserve. And, with every EMC policy, agents can help clients fight off costly risks, report claims in a flash and get them safely back on their feet. It’s this combination of innovation and service that makes an EMC agent a real hero.

www.emcins.com ©Copyright Employers Mutual Casualty Company 2020. All rights reserved.

OkPAC CONTRIBUTORS OkPAC is Big I OK’s 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.

Jeff Burton Mark Carlin Rebecca Easton Vaugh Graham Jr.

Denise Johnson Gerald Keeton Jeff Lee Avery Moore*

2020

Chris Mosley Kathy Reeser Lori Reynolds Michael Ross

Phillip Smith Joe Strunk Ty & Erin Surber Taber Brokerage

InsurPac CONTRIBUTORS InsurPac is IIABA’s 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 IIABA’s business philosophies. InsurPac is the largest property-casualty insurance industry PAC in the country.

Travis Brown Michael Cole Scott Cornelius

2020

Jed Dillingham Phil Eitzen Chris Floyd

Vaughn Graham Denise Johnson Gerald Keeton

Mark McPherson Mike Ross Jane Seals

Contributions as of May 8, 2020. Only gifts of $100 or more are listed, except for Young Agents, whose contributions of any amount are listed. Young Agents are denoted with an asterisk.

Is your name not on the list? Use the contributor’s statement on the back of this page to donate.

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We Make Doing Business Easy.

POLICY 9

Independent Insurance Agents of Oklahoma P.O. Box 13490 | Oklahoma City, OK 73113 P: (405) 840-4426 | F: (405) 840-4450 | info@bigiok.com

INSURE YOUR FUTURE!

By making a contribution to OkPac, you are investing in the future of independent insurance agents across Oklahoma. Please note: All contributions must be made by PERSONAL check or PERSONAL credit card. Company or Agency accounts cannot be used.

CONTRIBUTOR INFORMATION Name: Agency:

Occupation:

Address: City:

State:

Phone:

ZIP:

Email:

Count me in! I want to INSURE MY FUTURE with a personal contribution to OkPac at the following level/amount: (select one) $5,000 - Millenium Level $2,500 - Platinum Level $1,000 - Centennial Level $500 - Gold Level

$250 - Pioneer Level $150 - Founders Level $100 - Young Agent Level Other: $______

I am including a PERSONAL check made payable at OkPac. I will submit payment online via https://okpac.epaypolicy.com National Support: I want to INSURE MY FUTURE on a national level with a personal contribution to InsurPac in the amount of: $________ I am including a separate personal check made out to InsurPac. Please process my credit card. (Note: Card information may not be provided for OkPac.) Credit Card Number: ____________________________________ Expiration Date: _______ Name on Card: ______________________________________________ CVV: __________ Contributions or gifts to InsurPac and OkPac are not deductible as charitable contributions for purposes of federal income tax. Federal and State law require IIABA and BIG I OK to use our best efforts to collect and report the name, mailing address, occupation and name of employer for each individual. Your contribution should be considered strictly voluntary. Any corporate contributions are prohibited.

Declaration: The contribution listed above was freely and voluntarily given by me from my personal property.

I have not, directly or indirectly, been compensated or reimbursed for the contribution listed above.

Signature: 10 POLICY

Date: WINTER 2015

BIG I OK LEADERSHIP CHAIRMAN Jeff Burton, CIC, CPCU, CRM INSURICA, Oklahoma City

CHAIRMAN-ELECT Christopher K. Mosley, CIC Mosley Agency Inc., Chickasha

TREASURER Stewart L. Berrong, CIC, CRM Ed Berrong Insurance Agency Inc., Weatherford

SECRETARY Jerrad Coots Burrows Agency, Claremore

STATE DIRECTOR Gerald W. Keeton Cole, Paine & Carlin, Oklahoma City

IMMEDIATE PAST CHAIRMAN Chris S. Floyd, CRM, CIC Brown & Brown Insurance Professionals, Pryor

BOARD DIRECTOR Vaughn Graham Jr., CIC Rich & Cartmill Inc., Tulsa

DIRECTOR Kathy Reeser VIP Insurance, Edmond

COMPANY LIAISON Mark Gruber CompSource Mutual

DIRECTOR Scott Cornelius ECI Agency, Piedmont

YAC CHAIRMAN Candice Richardson Sullivan Insurance Ardmore

COMPANY LIAISON Carol Partridge Standard Lines Services

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

ABOUT BIG I OK Big I OK is the largest insurance trade association in Oklahoma. With more than 475 independent insurance agencies, we represent nearly 3,000 independent insurance agents and their employees and more than 100 company members. Big I OK member agencies range in size from one person to some of the largest agencies in the region.

Founded in 1906 as the Oklahoma Association of Local Fire Insurance Agents, BIG I OK is a result of the consolidation of the Independent Insurance Agents of Oklahoma, Inc. (IIAO) and the Oklahoma Association of Professional Insurance Agents (OAPIA) on Jan. 1, 1992.

Big I OK policy is set by a board of directors elected at the annual conference. Policy is implemented by a professional staff located in Oklahoma City. BIG I OK’s

mission is carried out through a variety of programs designed to enhance the business of independent insurance agencies.

Big I OK is an active advocate on behalf of independent agents before legislative, regulatory and judicial groups in Oklahoma and at the federal level.

Big I OK is affiliated at the national level with the Independent Insurance Agents and Brokers of America with offices in Alexandria, Virginia, and Washington, D.C. Big I OK is an excellent source of information through POLICY magazine, published quarterly, and the Oklahoma Agent, a monthly newsletter of time-sensitive material for its members.

COVID-19 – Initial Thoughts and Observations

T

his is the first issue of Policy to be published after the onset of the COVID-19 pandemic in our country and the resulting state of emergency declared by basically all governmental agencies. My initial thought was to focus solely on business income/interruption claims under CGL policies. It’s an issue that’s receiving considerable attention nationwide, and it underscores the chasm which separates those in the industry (who know that business income coverage can’t – or at least shouldn’t – be triggered without there first being covered property damage)

Oklahoma Insurance Department Bulletin

This is not necessarily a potential E&Orelated issue, but I think attention needs to be called to it nonetheless. On March 20, 2020, Commissioner Mulready issued PC Bulletin 2020-1. It was updated on April 29, 2020. Although it is addressed to “All Property and Casualty Insurers Licensed in Oklahoma,” a few provisions reference producers, brokers and “other entities regulated by” the OID. (The bulletin can be found at https://www.oid.ok.gov/pcbulletin-no-2020-01-amended/.)

The bulletin – which was issued to “assist This is not necessarily a potential individuals and entities regulated by the E&O-related issue, but I think attention Department in effectuating the provisions of needs to be called to it nonetheless. insurance-related services during this urgent public health challenge” – has various and general consumers (who apparently requirements, including: still believe that the unicorn called “full

coverage” actually exists). But, as I’ve visited • Mandating that all P & C carriers with various commercial agents around review their internal processes to the state over the past several weeks, I’ve ensure they are prepared to serve their discovered that most agents are already insured, including “notifications to keeping a close eye on the issue. producers and brokers to keep consumers Accordingly, I believe it will be more up to date.” (Sorry, but I do not know beneficial to spend a little time discussing how the quoted language is supposed not only business income claims, but to play out.) other topics as well. The limited space for • Requiring that all P & C insurers this article does not allow for an in-depth extend any applicable grace period for discussion of coverage issues, so it will nonpayment of premium by forty-five likely be necessary to discuss COVID(45) days. The grace period does not related issues over the course of the next relieve an insured of the obligation several articles. There will be plenty of to pay premiums but is merely a opportunities in later articles to focus on “deferral” of the payment due date. whatever issues need more attention at that If the premium or premium finance time.

Tom Cooper, Attorney at Law PIGNATO, COOPER, KOLKER & ROBERSON, P.C.

continued on page 14

12 POLICY

SUMMER 2020

“We guard our clients.

But who is looking out for us?”

“Your fellow agents are.

Running the largest locally-owned risk services and insurance firm in Central Texas keeps me busy, but I also make time for a volunteer job that truly matters to me.

[Photo of Mr. Harrison]

As chair of the Big ”I”

Professional Liability Committee, I work with a group

William E. Harrison, Jr. comprised of your fellow agents and President, Texas Associates, S.A. association staff that meets with one common goal: to oversee and advise the Big “I” Professional Liability Program, ensuring that our voice is heard and that agent interests are represented in the ongoing management of this key member bene�it.

Not many Big “I” members are aware of this committee working on your behalf, and indeed it is unique in the industy. No other professional liability product in the marketplace is benetting from formal, direct agent input.

But our program surely has. From specific coverages that have been added to enhance the exclusive Big “I” policy form to maintaining long-term program stability and availablity, our voice has and will continue to be heard through this partnership, and the result has been the continued success of the Big “I” Professional Liability program, the strongest and most stable program in the nation.

As agents, we do everything in our power to ensure our clients are protected. We thought you might like to know that when it comes to protecting your agency, your livelihood, in many cases your very family’s future–that your fellow agents have got your back.

To receive a proposal, contact your state E&O program manager. Visit www.iiaba.net/EOContact.

COVID-19 –

continued from page 12

installment payment isn’t subsequently paid by the insured, the policy is cancelled back to the original due date.

• Mandating that all P & C insurers “suspend” all claims reporting deadlines for the duration of the emergency declaration and extend all policyholder rights or benefits related to deadlines until 90 days after the state of emergency ends.

• Property and casualty insurers and other entities regulated by the OID shall accept as valid and binding any claim or claim-related document bearing an e-signature or an e-notary as otherwise authorized pursuant to Oklahoma law.

Business Income Litigation

As noted above, most producers I’ve spoken to are keeping a close eye on this issue. Anyone in the industry knows that business income coverage is not designed to be triggered when there is no foundational covered property damage, and the CGL policies I’ve been asked by various friends and clients to review have all had “virus” exclusions, anyway. And if state or federal legislation is passed which, in essence, re-writes CGL policies across the board so that

business income claims are suddenly and retroactively covered, the impact on the insurance industry could be catastrophic.

But, regardless of the terms of the various CGL policies and regardless of lawmakers’ attempts to tinker with the issue, there will undoubtedly be a tidal wave of litigation on this issue, including in our own state. One of the first cases to be filed locally was by the Choctaw Nation of Oklahoma due to the mandated closure of various casinos. The case was in Bryan County, and lists as defendants multiple insurers, including Lexington Insurance Company, various Lloyd’s syndicates, One Beacon, Hallmark, Endurance, Arch, Evanston, and others. The Petition filed by the Choctaw Nation alleges, very simply, that it had “all risk” policies, that it experienced “direct physical loss or damage” due to the pandemic and the resulting “interruption by civil authority” and “limitations on ingress and egress.”

(Due to the statewide “tolling” period that has been in effect since mid-March 2020, all deadlines and limitations periods in all civil cases/claims were tolled through May 15.

So, the various insurers have not even answered yet. I will continue to monitor this, and other similar lawsuits, and will hopefully have something more substantive to report in future articles. n

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SUMMER 2020

We would like to thank our 2020 partners for their continued support of our association!

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SILVER Specialty Insurance Managers of Oklahoma | The Hanover Insurance Group | Zenith Insurance Company | Chubb Group of Insurance Companies | Travelers Insurance | EMC Insurance | National American Insurance Company | CNA Insurance | Union Mutual Insurance Company

BRONZE AmWINS Group | Pie Insurance | Producers XL | Markel Specialty Commercial | Equity Insurance Company | RT Specialty - Oklahoma | Risk Placement Services | SIS Wholesale Insurance Services | Columbia Insurance Services | Republic Group | AF Group | BITCO Insurance Companies | Worth Casualty Company | Normandy Insurance Company | ICW Group | Commercial Insurance Underwriters, Inc. | Agency Matrix | Berkshire Hathaway GUARD Insurance Companies | Oklahoma Disaster Restoration | AmTrust Financial Services, Inc. | Patriot National Underwriters, Inc./Old Glory Insurance Company | Houston International Insurance Group (HIIG) | Farmers Alliance Mutual Insurance Company | Southwest Risk, LP | Applied Systems, Inc. | TRILINK Restoration Services, LLC | Hallmark Specialty Personal Lines | Employers, Inc. | MJ Kelly Company | Pennsylvania Lumbermens Mutual Insurance Company | AMERISAFE | Philadelphia Insurance Companies | Taber Brokerage | Central Insurance Companies | Prime Insurance Company | Presort First Class | Heartland General Agency | GAINSCO Auto Insurance | SynerDynamics Group | United Home Insurance Company | Med James, Inc. | The Hartford | State Auto Insurance Company | Old Republic Surety | ePayPolicy | Biosweep Oklahoma | Main Street America Group/The General Insurance | Equipment Insurance International | Summit

SUMMER 2020

POLICY 15

Honorary Member: Denise Johnson, President & CEO of Big I OK

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16 POLICY

SUMMER 2020

LOOKING FOR THE NEW NORMAL

I

hope this message finds you well. We have been living in an interesting time and we are trying to find a new normal. With that, we are looking forward to the Young Agents Conference that will be held Sept. 30 and Oct. 1 at the Aloft Hotel in Bricktown, OKC. More info to follow, but trust that we will have great speakers and networking opportunities. With all that is going on, the Lunch Bunch and Happy Hour meetings have been postponed until further notice. We will communicate with everyone as we know more moving forward. We as a committee have already set the dates for our board meetings and will be working to find ways to make the most of our events to benefit all involved.

We look forward to the opportunity to commence once again as a group and share ideas and find new ways to invest in our industry.

I want to take this opportunity to say a big thank you to Fred Barker with IPFS for his dedication and service to the Young Agents.

He is a person that we know will help and give of his time generously. His efforts are greatly appreciated, and we are thankful for his service to the committee and all that he has done.

Along with that, we will welcome Eli Dean with Tedford Insurance, Ryan Smith with Smith & Sons, Julie Hammill with Carpenter Insurance, Sabrina Alkire with LBV Insurance,

SUMMER 2020

Candice Richardson

YOUNG AGENTS COMMITTEE CHAIRMAN

and Wes Becknell with AmeriTrust Group to the committee. We are very eager to meet and collaborate with one another.

We look forward to the opportunity to commence once again as a group and share ideas and find new ways to invest in our industry.

We are thankful for an association and board of directors who support and encourage us to engage and contribute. 2020 has been a very interesting year thus far, but we are all looking forward to getting back into a normal routine and contributing our time and efforts to make the remainder of the year the best we can. n

POLICY 17

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REFLECTIONS...

A

s I reflect on my six years as your national director, I am filled with a variety of musings.

This, my final article, will not be a recap of the many advantages of association membership, which I have echoed and repeated ad nauseum. From legislative advocacy, TrustedChoice.com, education, virtual university, IA Magazine, errors and omissions insurance and a host of other products and services which are sadly for the most part underutilized.

Most recently, since COVID-19 has dominated our thoughts, news and airwaves, we have received a great deal of very helpful information from IIABA for both our agencies and information that can be passed on to our clients for their use and benefit speaking to federal programs such as the Payroll Protection Program. What I will do in this article is speak to a benefit of serving your industry that I have not previously mentioned.

I have heard it said both in the insurance industry and other industries that we should all give back our time and talents to the industry that feeds us. I totally agree with that and can truthfully say that I have received many more benefits in return than any effort that I have put forth in service. For me, from the Young Agents Committee somewhere in the mid-’70s to going through the chairs of the Independent Insurance Agents Association of Oklahoma City in the mid ’80s to the chairs of IIAO finishing in 2001 to being your state national director for the past six years, I have been the beneficiary of relationships with some very outstanding professional individuals. I have learned from them, been inspired by them, mentored by them, become great friends with many of them and in some cases business partners with some of them. In fact, the two agencies that I have been in since 1991 have been a direct result of my association work and travel with these agency principals. I don’t want, however, this to be an

SUMMER 2020

Gerald Keeton

STATE DIRECTOR

When all is said and done, you will have no regrets for the investment you have made. autobiography, but a testament to what happens when you associate with others and put yourself in the position to know and network with others in your industry.

My story is not unique. I can assure you that if you asked the leaders in our association, they would agree.

I served on the original Young Agents Committee with two agents who went on to be chairmen of IIABA, an amazing accomplishment and true service to your industry that is the ultimate in accomplishment, while taking an unbelievable commitment of time and resources spanning many years, yet I would guarantee that they would echo what I am saying. It is simply if you give back to your industry, you will receive more in return, whether it is being on a committee or going all the way to the top of the organization. It is not a waste of time, it is an investment both in your industry and in your future. When all is said and done, you will have no regrets for the investment you have made. I certainly have none and can only be grateful for this opportunity of serving as your director. It was truly an honor and a privilege that I wish more could experience. Thank you for choosing me to serve. n

POLICY 19

LEARNING RE-DESIGNED: A must for success going forward

Sarah Bradshaw Ray BIG I OK TRANSFORMATIONAL LEARNING COACH

G

one are the days of the HR director being the only one who focused on the training strategies of the organization. Even before COVID-19 raised its ugly head, our dynamic and rapidly changing business climate was already demanding that organizations that wanted to be successful would have to change their outdated model of employee training.

Across the spectrum of current business advice, a common theme abounds. Now more than ever, it is simply a business success imperative that your organization be agile and strategic in shifting from a training to a transformational mindset when

Consider how the transformation we have witnessed in 2020 could be the start of your rebuilding for the future! it comes to employee development. Those who thrive in today’s business environment are those who take on the challenge of re-designing learning, recognizing that it is a key lever for success and not just a supplementary module of a new employee orientation program or a license renewal prerequisite.

Since I came on board with Big I Oklahoma to lead the Continuing Education and Professional Development department, I’ve had more than a few people ask me what my title means, even why the old “Education Department” got a new name. My answer is a simple one. To borrow a phrase from Marshall Goldsmith,

20 POLICY

“What got us here, won’t get us there” going forward. The “way we’ve always done it” just isn’t good enough anymore.

I have found over the years as a management consultant that one of my key roles in just about any engagement has often been more of a demolition and re-design contractor than anything else.

I vividly remember a conversation with a wise second-generation agency owner preparing to pass the torch to the third generation who said “we need to tear it down and rebuild it for the future,” which couldn’t have been more true … and timeless. That was nearly 10 years ago. Fast forward to 2020. In the wake of a pandemic, we have witnessed almost everyone shifting how they do everything … literally overnight! Consider how the transformation we have witnessed in 2020 could be the start of your rebuilding for the future!

The organizations that are truly seeing the greatest success are the ones that are shifting their perspective from “training” to the “transformation” – of all employees, not just the potential high performers.

Be encouraged, because the success I am seeing is truly in all areas … a blacker bottom line in addition to employee engagement, retention, productivity and overall effectiveness. It takes work, but the return on your effort will pay immeasurable dividends!

“So, what does agile, strategic, transformational learning look like, Sara?”

I’m so glad you asked! There are two key elements of transformational learning that SUMMER 2020

involve re-aligning your goals for learning and curating new methods for deploying developmental learning for all. While strategies and methodology may vary based on needs, again your investment strategy is not just for your high performers but everyone on your team. Contemporary employee engagement research shows us that those employees who can see and experience a focused path of development toward career advancement are far more productive, effective and committed to their organization because they feel like they matter to that organization and are committed to its success.

Our training plans of days gone by myopically taught only specific job role knowledge and skills. That is a much different framework from transformational learning, which cultivates much broader capabilities in each employee.

Today, capability overshadows and creates even greater value in competency when we focus on mindsets and behaviors rather than just the ability to complete tasks. Leadership, digital literacy, even a curiosity and growth mindset all fall into the definition of expanded capabilities that come with transformational learning.

Transformational learning also recognizes that not all learners learn the same way, in the same space or even in

the same amount of time. While traditional classrooms still have a very valid place in our learning toolkit, a hybrid strategy for learning methodology and environment is where transformational learning truly takes off.

A successful plan is always a strategic one and includes tailored learning plans unique to each learning group based on their own individual learning needs, styles, preferences and career goals. Elements of a hybrid learning plan include peer teaching and a wide array of digital instruction deployment as well as physical classroom settings. A growing number of companies now make training available through a variety of media: text, audio, video, even gaming, simulation and so much more!

In short, the organizations that are looking for ways to enhance success are re-tooling with everything possible to create engaging and effective developmental experiences that meet their employees wherever they happen to be, geographically, temporally and especially intellectually.

Remember, the shift from our transactional training days of old to the transformational learning required today, and going forward, isn’t a “one size fits all.” It takes work, and we are here to help. We have GREAT resources and are ready to help you roll up your sleeves and get to it! n

AmGUARD • EastGUARD • NorGUARD • WestGUARD

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SUMMER 2020

POLICY 21

WE’RE ALL IN THIS TOGETHER

V

ery few Oklahomans, if any, have are some of the actions we’ve taken over the faced a pandemic like COVID-19 past several weeks: in their lifetime. This pandemic • Create COVID-19 Insurance Glen Mulready has changed our daily routines in an instant STATE INSURANCE Information Page on the OID website. and has created a new normal for many COMMISSIONER • Direct health carriers to waive all costof us. Our kids’ schools are closed for the sharing for COVID-19 testing. remainder of the school year and have • Direct health carriers to waive all transitioned to distance learning. My wife copays for telehealth services and is leading her Bible Study online. Many of reimburse the providers for the copay. us are video calling with family and friends from down the street to across the country.

• Direct health carriers to not use My team of dedicated state employees are preauthorization requirements as a working tirelessly, away from the office, to barrier to access necessary treatment do what is best for Oklahoma. We’re all for COVID-19. getting adjusted to this new normal.

• Extend the normal 30-day grace period for Together, we will carry on the Oklahoma Standard non-payment of premiums and “GET READY” for what comes next. to 60 days.

Even though this unprecedented situation presents unique challenges to the insurance industry and all our workplaces, I assure you that the Oklahoma Insurance Department will continue to perform all essential services, answer your questions and work through issues as they develop.

The work we’ve done during my first year in office to modernize workflows and reduce paper processes has been a tremendous help in this transition.

We’re working with several state agencies and the insurance industry to help our state combat COVID-19 and minimize potential regulatory burdens as insurers continue to serve policyholders. All bulletins and notices to insurers are posted at oid.ok.gov. Here

22 POLICY

• Immediately cease all PBM audits of pharmacies.

• Waived customer signature requirement for both pick-up and delivery of prescriptions during emergency.

• Directed pharmacy benefit managers to not restrict a covered person’s ability to select any pharmacy that is in the Administrator’s pharmacy provider network, regardless of whether the network is a preferred provider network.

• 60-day supply may be filled for a 30-day prescription.

• Issue temporary new licenses for producers and apprentice adjusters.

SUMMER 2020

We Do Business the Honest, OldFashioned Way. No answering services. No phone screeners.

Just us, helping you place your difficult risks.

When you call Specialty Insurance Managers, we actually pick up the phone to talk with you.

Call us old-fashioned, but that’s just the way we like to do our business.

• Extend the license renewal and continuing education deadlines for licensees.

• Direct property and casualty carriers to suspend all claims reporting deadlines for the duration of the emergency declaration and extend all policyholder rights or benefits related to deadlines until 90 days after the state of emergency ends.

• Phone Quotes • Increased Commissions • Fee Sharing • Friendly Service

• Asked medical liability insurers to relax state licensure requirements for out-of-state providers that are treating Oklahomans through telemedicine portals.

One thing that we can learn from this experience is the need to work together and do our part as Oklahomans. We hear a lot about the Oklahoma Standard, but now we need it more than ever. People across our state are finding creative ways to help each other, take care of our neighbors and support those who have both lost jobs and serving the front lines as a health care professional. Together, we will carry on the Oklahoma Standard and “GET READY” for what comes next.

Specialty Insu Specialty Insurance Man

The Oklahoma Insurance Department will continue Specialty Insurance Managers to monitor developments that impact consumers and act as needed to ensure we can provide services andSpecialty Insurance Managers of Oklahoma, Inc. care to the people of Oklahoma. We’ll update you frequently as new information becomes available and Call us today at (800) 876-3278 make that information available on the COVID-19 page on our website. Stay safe and healthy. Please let us know how we can help. n

of O

www.simoklahoma.com

SUMMER 2020

POLICY 23

FEATURE

WHY WORKING FROM HOME WORKS

By Tom Baker

"T

he thought of my staff working from home scares the hell out of me!" I understand Geri's concern. Just 10 years ago, working remotely was not even considered as part of the insurance industry's exodus from 20th-century Yellow Pages, paper and analog technology. While we had time to adjust to these new business models, COVID-19 mercilessly forced us out of the agency and into our homes overnight.

Geri viewed losing sight of her staff as losing control of their productivity. The thought of someone watching videos, shopping online or scrolling through Facebook during the workday scares the hell out of her. While understandable, staff already engage in these activities at their desk.

In a ground-breaking study reported by Inc magazine, Stanford professor Nicholas Bloom

24 POLICY

partnered with James Liang, CEO of Ctrip, China's largest travel agency, with 16,000 employees for a two-year study that "showed an astounding productivity boost among the telecommuters equivalent to a full day's work.”

Stephen Harrington at Cross Insurance gave me a great example of their agency’s productivity boost. Team members were amazed to discover how productive and less stressed they were when working from home.

Remote staff take shorter breaks, eat healthier, take fewer sick days, and request less time off. It's even good for the planet due to reduced carbon emissions from the daily commute.

It seems that working remotely really works! But why?

SUMMER 2020

FEATURE Working from home reduces stress.

Stress is a physical and emotional response to feeling out of control. Working from home provides a sense of control in some remarkable ways – especially eliminating the dreaded daily commute.

Fear of a flat tire, paying for costly repairs and relentless traffic adds up to one thing – the flight-orflight response. Otherwise known as “stress”.

Working from home also reduces stressful interruptions and distractions by coworkers. Staff report less stress knowing their day will not be sidetracked by someone unexpectedly appearing at their desk.

Working from home motivates and increases productivity.

Just 10 years ago, working remotely was not even considered as part of the insurance industry's exodus from 20th-century Yellow Pages, paper and analog technology.

While we had time to adjust to these new business models, COVID-19 mercilessly forced us out of the agency and into our homes overnight.

In the agency, it's easy to feel invisible. Working remotely necessitates creating structure, strategies and reasons to communicate, which leads people to feel connected, motivated and valued.

A study in the 1950s known as “the Hawthorne Effect” documented how employees become more motivated and productive when they know they are being observed. Observation, not micromanagement, communicates a message that management cares enough to be involved in each individual’s success.

The key to appropriate observation is KPIs (Key Performance Indicators), providing clear achievement targets in combination with real-time feedback on both successes and challenges. KPIs are most effective when staff is empowered to self-track their performance, and their performance is connected to their compensation.

Jodie, an associate sales agent with Wilber-Price Insurance, says, “I was nervous that KPIs would add a lot of extra pressure on my plate, but in turn, they have done the opposite. I feel I have a better focus to get my work done in the most efficient way possible.”

Working from home engages work/life integration.

Simon Sinek redefines "work/life balance" as "work/ life integration." Work/life integration is an essential

SUMMER 2020

value for the up-and-coming dominant workforce – millennials. Integrating how we work and live achieves more than relieving burn-out. Millennials value integrating how they work, live and play into a lifestyle.

Even though staff might not have time to interact with their family, just being close fulfills the needs for a personal connection with those they love.

Working from home reduces attrition.

Studies continue to confirm that working from home decreases employee attrition by 50%. A July 2019 article by columnist Jeremy Hobson quotes Scott Mautz, a former executive at Procter & Gamble, reporting that "on top of increased productivity, working from home boosts employee retention. On average, turnover decreases by 50% when the work from home option is available."

Conclusion Working from home is here to stay, which means increased engagement, productivity, better employee health, lower turnover and other benefits of the mobile workplace are also here to stay. Don’t be afraid to explore work-from-home options. Working from home really does work. n

POLICY 25

NEWSMAKERS

CHARITY DURING COVID: INDEPENDENT AGENTS BUILD ON COMMUNITY EMPHASIS

By AnneMarie McPherson, Independent Agent Magazine For independent agents, community involvement is a part of the job description—pandemic or not.

“Our members, agents and people in our industry are really geared to help people,” says Denise Johnson, president and CEO of Independent Insurance Agents of Oklahoma (Big I Oklahoma). “We’re standing there in the middle of tragedies and we're usually the answer to it.”

That’s why, within days after the U.S. was shut down due to the coronavirus pandemic, Johnson got a call from former Big I Oklahoma chair Tony Caldwell with an idea: raise $50,000 for the regional food bank.

“I said ‘that’s awesome,’” Johnson says. “But I was thinking ‘$50,000 in a pandemic?’ We put out a notice, put it on social media—and within three days we had raised $50,000.”

Ultimately, the Big I Oklahoma vaulted over their original goal and raised $95,000 for the food bank.

The fundraising process included outreach with videos, messages over email and social media. Johnson also reached out to each donor with a personal note of thanks and to check in on their wellbeing during the pandemic. “Some of 26 POLICY

it was big donations, but a lot was $100 here or $20 there,” she says. “People were kind, giving and supporting. It was amazing.

“In the middle of something difficult and dark, I underestimated the response I was going to get from members,” Johnson continues. “When people believe in a cause, they become very passionate about it.”

With high levels of community involvement even before the coronavirus pandemic, many independent insurance agents are the first to meet their community’s needs caused by a crisis.

Ben Rathbun, partner and personal and commercial producer at The Rathbun Agency in Lansing, Michigan, describes how the agency’s connections to local businesses and nonprofits create closer alignment.

“Agents have a really unique opportunity to be able to give back to the community because our business is certainly very relationship-focused,” he says. “There’s few other professions in which you’re frequently talking to hundreds or thousands of people in the local community.”

SUMMER 2020

From buying gift cards for employees from local businesses—many of whom are clients—to agency leaders involved in local clubs and organizations donating to laidoff hotel workers, “we're making an extra effort to make sure that we support all of our customers,” Rathbun says.

The Rathbun Agency is building on a strong foundation of charitable involvement. About five years ago, Rathbun started an initiative he calls Quotes for a Cause, in which the agency picks a different nonprofit organization each month to donate $5 per quote, whether or not the quote leads to a purchase.

“We’ve highlighted over 60 local charities,” he says.

“And it’s created a niche for us to insure many small local nonprofits. After six years as an agent, all I write is referral business and a lot of that is because I threw myself out there and immersed myself in the community.”

Rathbun’s passion for helping his community continues through his work with the Michigan Young Agents and its involvement with the nonprofit organization Ele’s Place, a support group for children who have lost a loved one.

His connection to Ele’s Place reaches back to his father previously serving on their community board and a high school friend who joined a peer group after losing her father to suicide.

“When I first graduated, I was looking for ways to get involved with the community and I started volunteering as a support group facilitator,” he says. “Every Wednesday, I facilitate a group for pre-K kids. There’s way more laughter than tears because these kids actually feel like they can express themselves to this group after their dad or brother has died and none of their other friends are experiencing the same thing.”

When Rathbun became chair of the Michigan Young Agents, he chose Ele’s Place as the charitable organization the committee would support in 2020—and this year’s fundraising event is a virtual 5K. “We’ve actually been planning the virtual 5K for eight months,” Rathbun says. “It had nothing to do with the coronavirus. It was a way that people all over the state could give back. Ultimately, it’s brought many more people to hear about the cause who otherwise wouldn’t have.”

The Ele’s Place Virtual 5K was scheduled June 1-5.

Registrants sign up for $30 to receive a hat and commit to walking or running 7,500 steps during the week.

SUMMER 2020

With the coronavirus pandemic, “a lot of agency owners see this as a way to have a team-building event and support charity at the same time, and a way to get outside with all of us going stir-crazy at home,” Rathbun says.

When it comes to agents beginning to seek out more opportunities to get involved in their local community, Rathbun emphasizes there are more ways to give than through money. “If you don’t have money, you have time.

When I started out as a young agent, I didn't have a lot of money. I threw myself into the community. At the end of the day when people make a purchasing decision, they want to talk to someone they can build a relationship with who gives back to the community.”

“Part of being in your community is that you are the trusted choice,” Johnson adds. “If someone says the word ‘insurance’ in their small town in rural Oklahoma, I want them to think of their local independent agent that they know has an answer for their needs. You have to stand there and be involved.” n

In Memoriam Edith M. Cusey, 72, passed away April 7 at her home in Yukon, surrounded by her loving family. She was born Jan. 26, 1948, in Long Beach, California, a daughter of the late Gerald and Helen Dokter.

Moving to Yukon in 1974, Cusey worked for Wesco Insurance Agency as a commercial underwriter and office manager for 36 years.

POLICY 27

ANNUAL CONFERENCE & PARTNER SHOWCASE “BIG I COMMUNITY: STRONGER TOGETHER” AUGUST 24-25, 2020 EMBASSY SUITES HOTEL & CONFERENCE CENTER 2501 CONFERENCE DRIVE, NORMAN, OK 73069 We have set a new date for our Annual Conference! We hope you will be able to join us for this fun opportunity to network, earn continuing education credit and hear from some phenomenal speakers!

Leroy D Nunery II

Tim Parenti

Terri Talley

Barry Switzer

Kathie Cox

TRANSFERRING/REFUNDS

All registrations will be transferable to the rescheduled conference.

Refunds: We will no longer be hosting the “Meeting the Challenge of Change 2020 - Part 1 & Meeting the Challenge of Change 2020 - Part 2,” therefore, the costs for these education classes will be refunded back to you.

PARTNERS/EXHIBITING

DO NOT REGISTER ONLINE. Partner packets have been sent out to reserve your booth space. If you did not receive this, please email shania.slavick@bigiok.com in order to get partner discounts. If you are interested in being an exhibitor at this conference, please email shania.slavick@bigiok.com to learn about our partner program!

HOTEL RESERVATIONS

Hotel reservations can be made for the Embassy Suites by Hilton Norman Hotel & Conference Center under the room block rate of $134/per night via the link on our website or calling (405) 364-8040. The deadline to reserve a room at the room block rate is August 1, 2020.

SCHEDULE OF EVENTS MONDAY, AUGUST 24, 2020 [ 9:00 a.m. ] Golf Tournament | Westwood Golf Course This tournament will start at a 9:00 a.m. shotgun. You will be provided with two drink tickets and lunch. [ 5:00 - 8:00 p.m. ] Rockin’ Jones Palooza | The Jones Assembly - Oklahoma City There will be a $20 PAC donation that will need to be given at the door by cash, personal credit card or personal check! You will be given two drink tickets and there will be lots of appetizers and activities to participate in, such as karaoke and cornhole! Buses will be shuttling people from the hotel to The Jones Assembly from 4:00 - 5:00 p.m. and then after the event from 8:00 - 9:00 p.m.

TUESDAY, AUGUST 25, 2020 [ 7:45 - 8:30 a.m. ] Registration Opens | Embassy Suites - Norman Check-in! [ 8:30 - 9:50 a.m. ] Welcoming by Chairman Jeff Burton & Session: “Taking D&I to the Next Level Within Big I Oklahoma” by Leroy D. Nunery II (Approved for 1 Hour of CE) | Embassy Suites Norman What strategic initiatives can the state association do for members to employ and expand on their current diversity and inclusion goals within their own firms? What are the benefits of doing this? What are the right measures of success to gauge progress on the goals (e.g. increasing the representation at the principal or non-principal/senior management level?) [ 10:00 - 10:50 a.m. ] Session: The Mind/Body/Health "Connection" by Tim Parenti | Embassy Suites - Norman This session will explore how "attitudinal strength" affects our mental toughness and our performance.

Using real-world examples, coupled with Epigenetic sciencific evidence, this unique perspective will present sound practices to help manage our attitudes to improve our financial, physical and mental well-being.

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[ 11:00 - 11:40 a.m. ] Session: Terri Talley (OKC National Bombing Survivor) | Embassy Suites Norman Terri Talley will come speak about her experience with being there during the OKC bombing since it will be 25 years since then. [ 12:00 - 1:50 p.m. ] Big I Oklahoma: Annual Awards Luncheon & Keynote with Barry Switzer | Embassy Suites - Norman Barry will discuss football and give a presentation on Ground Zero! Some of the Ground Zero canines will also be present! Ground Zero Emergency Training Center is a Non-Profit Organization in Oklahoma. We specialize in enhancing America’s emergency response capabilities to natural and man-made disasters by providing local, state and federal First Responders with exceptionally trained urban search and rescue canines, educational opportunities, and a state-of-the-industry facility in which to hone their technical skills. [ 1:00 - 3:30 p.m. ] Exhibitor Check-In | Embassy Suites - Norman [ 2:00 - 2:50 p.m. ] Annual Business Meeting | Embassy Suites - Norman [ 3:00 - 3:50 p.m. ] Session: "Earthquake" by Kathie Cox (Approved for 1 Hour Earthquake CE) | Embassy Suites - Norman Please join us as we discuss the roots and history of earthquakes along with some surprising statistics.

We will then review traditional personal property policies including homeowners, dwelling fire, inland marine and auto -- definitions, exclusions, and options to provide coverage. We will discuss additional areas of concern including -- loss assessment, deductibles, and construction considerations. [ 4:00 - 7:00 p.m. ] Partner Showcase | Embassy Suites - Norman Come to our Partner Showcase! We have more than 60 company carriers present that want to do business with you! There are lots of chances to earn prizes, including $1,000!

SUMMER 2020

ANNUAL CONFERENCE & PARTNER SHOWCASE PRICING PRICING UPDATE: Our member agent conference pricing has been reduced from $135 to $75! Registering another staff member is highly encouraged since you are essentially getting “two registrations for the price of one!”

Discounts - There will be a section for discounts under the event session portion. Discounts can ONLY be applied if you are attending the full conference on August 25th.

• First time attendees qualify for $25 off their registration! Not valid with other credits or discounts.

HOTEL INFORMATION: INFORM Embassy Suites Hotel & Conference Center | 2501 Conference Drive, Norman, OK 73069 Visit our website or call (405) 364-8040 to book your hotel room under our room block at the discounted rate of $134/night. The deadline to make room reservations under the room block is August 1, 2020.

TRANSFERRING/REFUNDS: All registrations will be transferable to the rescheduled conference.

Refunds: We will no longer be hosting the “Meeting the Challenge of Change 2020 - Part 1” and “Meeting the Challenge of Change 2020 - Part 2,’ therefore, the costs for these education classes will be refunded back to you.

ADDITIONAL INFORMATION: ANY MEMBER/NON-MEMBER AGENT WHO ATTENDS THE 2020 PARTNER SHOWCASE CAN GET IN FOR FREE! PARTNERS MUST REGISTER SEPARATELY TO GET PARTNER DISCOUNTS/BOOTH REGISTRATION FORMS. These have been sent out. If you have any questions, please email Shania Slavick at shania.slavick@bigiok.com.

Note: All fees associated with registration included.

SUMMER 2020

POLICY 29

BIGO'" BIGO'"

June 12 Online Free Friday Ethics Webinar CE: 1 ethics credit

November 6 Online Free Friday Ethics Webinar CE: 1 ethics credit

June 15-16 Online CISR Insuring Personal Property CE: 7 credits

November 17 0KG CISR Elements of Risk Management CE: 7 credits

ok.com/ education June 17 Online

CISR Insuring Personal Auto CE: 7 credits January Online August 10 6 0KG Free Ethics Webinar 1 ethics credit Commercial CasualtyCE: II CE: 7 credits CISRFriday

www.bigiok.com/November education 18-20 0KG

CIC Commercial Property CE: 16 credits August 6 0KG CISR Commercial Casualty II CE: 7 credits

www.bigiok.com/ education

January 10 Online July 1421 0KGOnline August Free Friday Ethics CE: CE: 1 ethics credit CISR Life & HealthWebinar Essentials 7 credits Free Friday 0KG Mebinar CE: 1 ethics credit February 19 Ethics CISR Insuring Personal Auto CE: 7 credits 0KG0KG July 15-17 August 27-29 CIC Commercial Personal Lines CE: 16 CE: credits CIC Multiline 7 credits 0KG February 19 February 20 0KG CISR Insuring Insuring Personal PersonalRes. AutoProperty CE: 7 credits CISR CE: 7 credits July 24 Online Free Friday Ethics Webinar CE: 1 ethics credit 0KG February 202Online February 21 0KG September CISR Insuring Personal Res. 7 credits Free Friday Ethics Webinar CE:7Property 1credits ethicsCE: credit William T. Hold Seminar CE: February 0KG August 4 21 September 4Online Online Free Friday Ethics Webinar CE: CISR Insuring Commercial CE: credit 7credit credits Free Friday Ethics Webinar Property CE: 11 ethics ethics March 4 Broken Arrow CISR Commercial Casualty I CE: 7 credits August 5 0KG September 15 Broken Arrow CISR Commercial Casualty I CE: 7 credits CISR Personal Lines Miscellaneous CE: 7 credits Broken Arrow March 4 March 5 Broken Arrow CISRCommercial CommercialCasualty CasualtyIII CE: CE: 7 credits CISR 7 credits August 6 0KG September 16-18 Broken Arrow Commercial Casualty II CE: 7 credits CISR CIC Life & Health CE: 16 credits Broken March 5 March 13 Online Arrow CISRFriday Commercial II CE: 7 credits Free Ethics Casualty Webinar CE: 1 ethics credit August 21 Online Free Friday Ethics Mebinar CE: 1 ethics credit Online March 1320 0KG October Free Friday Ethics Webinar CE: 1 ethics credit CISR Personal Lines Miscellaneous CE: 7 credits Online April 10 August 27-29 0KG Free Friday Ethics Webinar CE: CE: 71 credits ethics credit CIC Commercial Multiline October 21-22 Stillwater James10K. Online Ruble Graduate Seminar CE: 16 credits April Free Friday Ethics Webinar CE: 1 ethics credit May 8 Online 0KG September October 23 2Online Free Ethics Webinar CE: William T. Hold Seminar CE: 7 1credits FreeFriday Friday Ethics Webinar CE: 1ethics ethicscredit credit

ok.com/ education

May 8 Online4 Online September Free Friday Ethics Free Friday Ethics Webinar Webinar CE: CE: 11 ethics ethics credit credit Online June 12 November 6 Online Free FreeFriday FridayEthics EthicsWebinar WebinarCE: CE:11ethics ethicscredit credit September 15 Broken Arrow CISR15-16 Personal Lines Miscellaneous CE: 7 credits Online June 12 Online June 0KG November 17 Free Friday Ethics Webinar CE: 1 CE: ethics credit CISR Property 7CE: credits CISRInsuring ElementsPersonal of Risk Management 7 credits September 16-18 Broken Arrow CIC 17 Life & Health CE: 16 credits Online0KG June 15-16 Online June November 18-20 CISR Insuring Personal Property 7 credits CISR Insuring Personal Auto credits CIC Commercial Property CE:CE: 167CE: credits

SAVE THE DATE

August 6 0KG December 8 Broken Arrow August 21 Online Commercial CasualtyCE: II CE: 7 credits CISR CISRFriday Insuring Commercial Property CE:credit 7 credits Free Ethics Mebinar 1 ethics August 21 Online December 9-11 0KGBroken Arrow August 27-29 Free Friday Ethics MebinarCE: CE:716 1credits ethics CICCommercial Commercial Casualty CE: creditscredit CIC Multiline August 27-29 December 10 0KG CIC MultilineCE: CE:77credits credits CISRCommercial Agency Operations September 2 0KG William T. Hold Seminar CE: 7 credits December 18 Online Free Friday2Ethics 0KG Webinar CE: 1 ethics credit September September 4 Online William T. Hold Seminar CE:CE: 7 credits Free Friday Ethics Webinar 1 ethics credit September15 4 Online Broken Arrow September Free Personal Friday Ethics CE: 1 ethics CISR LinesWebinar Miscellaneous CE: 7 credit credits

Arrow September16-18 15 Broken Broken Arrow September CISRLife Personal Lines CE: 7 credits CIC & Health CE: Miscellaneous 16 credits September 16-18 Broken Arrow CIC Life & Health CE: 16 credits October 20 0KG CISR Personal Lines Miscellaneous CE: 7 credits October21-22 20 0KGStillwater October CISR Personal Miscellaneous CE: credits James K. Ruble Lines Graduate Seminar CE: 167 credits

Stillwater October23 21-22 Online October James K. Ruble Graduate CE: 16 credits Free Friday Ethics WebinarSeminar CE: 1 ethics credit October 23 Online Free Friday Ethics Webinar CE: 1 ethics credit November 6 Online Free Friday Ethics Webinar CE: 1 ethics credit November17 6 Online 0KG November Free Elements Friday Ethics Webinar CE: 1 ethics CISR of Risk Management CE: 7credit credits

TS CONFERENCE EN G A G N U O Y 0 2 20

November18-20 17 0KG0KG November CISR Elements of Risk Management CE: 7 credits CIC Commercial Property CE: 16 credits

September 30th - October 1st

Arrow December9-11 8 Broken Broken Arrow December CISR Insuring Commercial Property CE: 7 credits CIC Commercial Casualty CE: 16 credits

June 17 Online October 20 0KG CISR Insuring Personal Auto CE: 7 credits CISR Personal Lines Miscellaneous CE: 7 credits 0KG July 14 December 8 Broken Arrow CISR & Health Essentials CE: 7 credits CISRLife Insuring Commercial Property CE: 7 credits October 21-22 Stillwater James Ruble Graduate Seminar CE: 16 credits July 14K.0KG 0KG July 15-17 December 9-11 Broken Arrow CISR Life & Health Essentials CE: credits 7 credits CIC Lines CE: 16 credits CICPersonal Commercial Casualty CE: 16 October 23 Online Free24 Friday Ethics Webinar CE: 1 ethics credit 0KG July 15-17 Online July 0KG December 10 CIC Personal LinesWebinar CE: 16CE: credits Free Friday Ethics CE:7 1credits ethics credit CISR Agency Operations

Aloft Downtown Oklahoma City 209 N. Walnut Avenue July 24 Online November 6 Online December 18Online Oklahoma City, OK 73104 Free Free Friday Friday Ethics Ethics Webinar Webinar CE: CE: 11 ethics ethics credit credit

August 4 0KG CISR Insuring Commercial Property CE: 7 credits November 17 0KG CISR Elements 0KG of Risk Management CE: 7 credits August August 54 0KG CISRCommercial Insuring Commercial CE: 7 credits CISR Casualty IProperty CE: 7 credits November 18-20 0KG CIC Commercial Property CE: 16 credits August 5 0KG

November 18-20 0KG CIC Commercial Property CE: 16 credits December 8 Broken Arrow CISR Insuring Commercial Property CE: 7 credits

December10 9-11 0KGBroken Arrow December CIC Commercial Casualty CE: credits CISR Agency Operations CE: 7 16 credits

0KG December18 10 Online December CISRFriday Agency Operations CE: 71 credits Free Ethics Webinar CE: ethics credit December 18 Online Free Friday Ethics Webinar CE: 1 ethics credit

CISR Commercial Casualty I CE: 7 credits

30 POLICY

December 8 Broken Arrow

SUMMER 2020

MEMBER BENEFITS Need more insight into your membership benefits? We’re glad to help!

Visit our website at www.bigiok.com or contact us at membership@bigiok.com or (405) 840-4426

PRODUCTS • Coverage for Your Agency • Insurance Coverage for Your Clients • Big I Markets - Swiss Re E&O Program - Farm/Ranch Insurance Program - Exclusive Big I Member Market Access - Fireman’s Fund E&O Program - RLI Personal Umbrella Policy - Commercial Umbrella - RLI In-Home Business Program - Virtual Risk Consultant - Oklahoma Assigned Risk Automobile Plan - Cyber Liability for Your Agency - Oklahoma Market Assistance Program (OK-MAP) - Workers’ Compensation - Eagle Agency

EDUCATION

• Continuing Education - Online via ABEN Catalog - Classroom Sessions • New Hire Training - My Agency Campus

• Agent Licensing • Licensing Exam Prep Course - ExamFX

• Scholarship Opportunities - Marie Welch Scholarship

SPECIAL EVENTS

• Annual Conference & Partner Showcase • Young Agents - Young Agents Committee

- Young Agents Leadership Conference - Future Insurance Leaders of Oklahoma (FILO) - Lunch Bunch & Happy Hours

ADVOCACY • OkPac • Legislative Newsletters • Career Bank • InsurBanc • Membership Directory • Unlimited Staffing Report • Partners Program

• InsurPac • Lobbying • Big I Hires • Trusted Choice Co-Branded Resources • Human Resources Tool Kit • Social Media Benefits • Networking

SUMMER 2020

RESOURCES • Virtual University • Big I Employee Benefits • Big I ACT

POLICY 31

Independent Insurance Agents of Oklahoma PO Box 13490 Oklahoma City, OK 73113 RETURN SERVICE REQUESTED

PRSRT STD U.S. POSTAGE PAID Oklahoma City, OK Permit No. 1659

Imperial PFS® makes it easier than ever to digitize your business with the IPFS Insurance Cortex™

FRED BARKER | fred.barker@ipfs.com | 405.202.8102

Imperial PFS has been working with Oklahoma agents for over 25 years and has the endorsement of the Big I of Oklahoma.

Fees may apply where applicable by state law. ACH payments may result in a fee where applicable by state law. For credit card payments, our payment processing partners, FIS and Plug n Pay, charge a technology fee of $12.50 for payment under $400 or 2.99% for payment of $400 or more. 2 IPFS’ down payment processing services are provided as a convenience only and are subject to prior agreement to IPFS’ terms and Conditions. Imperial PFS® is a trade name affiliated with IPFS Corporation® (IPFS®), a premium finance company. Access to products described herein may be subject to change and are subject to IPFS’ standard terms and conditions in all respects, including the terms and conditions specifically applicable to use of IPFS’ website and mobile application and IPFS’ eForms Disclosure and Consent Agreement. Copyright © 2020 IPFS Corporation. All rights reserved.