POLICY MAGAZINE - Winter 2024

WINTER 2024

BIGiOK: The Heart and Soul Behind the Mission

pg. 24

BIGiOK: The Heart and Soul Behind the Mission, pg ??

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WINTER 2024 | VOL. 78 NO. 36

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

COVER

COLUMNS

24 BIGiOK: The Heart and Soul Behind the Mission

4 Flood Insurance, Severe Winter Weather, Hackers …

Are You Prepared?

FEATURES 24 BIGiOK: The Heart and Soul Behind the Mission 27 Young Agents 29 Newsmakers

Vicky Courtney, Chairman

7 We’re YOUR Association, and We Have Your Back!

Denise Johnson, CISR, CIC

9 Expanding Opportunities for Young Agents Jase Riggs

Workers’ Compensation Account Manager

Jeanette Madrid

12 9 Trends in the Insurance Industry That You May or May Not Realize Are Impacting Your Insurance Agency

Director of Member Services

Shania Slavick

Director of Marketing and Communications

Jerry Rappe’

Specialty Lines Service Account Manager

Cindy Munden, CISR

Chris Floyd, CIC, CRM

Director of Professional Liability

Cari Senefsky

18 The Whole Person Approach: Leveraging Strengths Assessments to Unlock Potential in Your Team

Education Coordinator

Kim Watkins

Sara Bradshaw Ray, CIC, CKC

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

22 Strengthen Oklahoma Homes Program: What You Need to Know Glen Mulready

Select images and graphics courtesy of freepik.com

From the Chairman

Flood Insurance, Severe Winter Weather, Hackers …

Are You Prepared?

So much is happening in our country as well as our state, from horrific hurricanes impacting lives, businesses, families, transportation and the economy to the 2024 elections. Where to begin?

Carriers expect astronomical losses for wind damage, while much of the impacted inland areas did not have flood coverage. With property rates already at an all-time high, will we see diminished market availability? Can anyone buy flood Insurance, and not just those in Federally Designated Flood Zones? The answer is yes, absolutely, via NFIP and a few private carriers.

Volunteering is one of the biggest challenges – how to get there, what to bring along, what to do upon arrival.

There are many organizations providing emergency response services as well as training for volunteers. Check out websites (there are dozens for valid organizations) and get involved. You never know when it will be you or your family needing assistance! Do unto others…

Vicky Courtney Chairman

Winter is around the corner, and who knows how much ice and snow may decorate our state this year. But wait: The Farmers’ Almanac says Oklahomans

Cyber Security continues to be in the forefront of exposures, not just to our clients, but to our industry as well.

Hurricane Helene destroyed areas never flooded, or at least not to this degree.

The tragedy of losing everything should not be quadrupled by lack of proper insurance. NFIP offers training seminars all year to enable you to educate your clients on the opportunity to purchase a coverage, which is rarely included in property policies and always excluded in Homeowner forms.

While we cannot control the weather, we can take steps to help control the resulting damage: improved construction methods, better emergency communication, quicker response to those in need.

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POLICY | Winter 2024

may not want to put away those shorts just yet. Meteorologists predict much of the country will see a warmer than usual winter. But just in case, be sure clients are aware of property exclusions regarding ice/snow accumulation, ice dams, collapse, etc. And what about those contractors pushing snowplows? Is the General Liability carrier aware of the use of snowplows? Is there a dreaded exclusion? Now is the time to check and be sure BEFORE the phone call...

Cyber Security continues to be in the forefront of exposures, not just to our clients, but to our industry as well.

The Oklahoma Insurance Department released Bulletin 2024-10 on the continued on page 20 BIGiOK.com

IT'S GOOD TO HAVE OPTIONS Excess & Surplus lines is a specialty market that insures things standard carriers won't cover. E&S companies react quickly to market changes and play a crucial role in the insurance marketplace: Market Stability Flexibility and Customization Innovation and Competition Capacity for Catastrophic Events Support for Niche Markets Coverage for Unique or Unusual Risks

OSLA was established in 1976 to unite MGAs and Wholesalers in addressing legislative issues concerning the excess & surplus lines marketplace.

Over 200 companies are providing surplus lines products in Oklahoma. The Oklahoma Surplus Lines Association exists as a way for them to exchange ideas and to support the IIAO regarding legislation relevant to E&S operations.

OSLA Membership is open to licensed surplus lines brokers in the state of OK and Associate membership is available to any person, firm or company doing business with eligible members. Contact OSLA President, LeAnn Sanderson for an application lsanderson@youroga.com.

OKLAHOMA SURPLUS LINES ASSOCIATION

BIGiOK.com

Winter 2024 | POLICY

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• Strategic Planning: Develop a clear growth roadmap.

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• Kolbe Strengths Program: Leverage your team’s natural talents.

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We provide customized consulting services tailored to meet your unique needs and drive your agency toward success. Our comprehensive solutions are designed to address your specific challenges and opportunities, ensuring your agency thrives in a competitive market.

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From the President/CEO

We’re YOUR Association, and We Have Your Back!

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

And once again, it’s the holidays! 2024 went by so fast with so many good things happening. We had our first Women’s Conference – EmpowerHER – and what a success it was! Our conference was held in downtown OKC, just in time for the Thunder playoffs – I think it was good luck for all of us.

Membership is active and remains steady. … We’re in a season of new agents and members looking to our Association to keep them growing and thriving. Now it’s time to look to a new year and some

Education – There are going to be some significant changes in our Education Department, and everyone will benefit!

Also, our Young Agents are booming!

Keep an eye on the various activities that help in networking in the industry.

Don’t forget that we are an independent agency, too. We have the best in E&O coverage for our agents, the RLI Umbrella program, Farm & Ranch Coverage and, finally, an incredible Work Comp program.

Check us out and give us a chance!

Our goal at BigIOK is to find ways to making our members’ agencies better by providing technology, education and products for you! new products and services that can make our agencies even better! Here are some things you might not be aware of: Catalyit – Our own version of “Consumer Reports” for insurance technology, this is FREE to all of members, and each member can take advantage of the Tech Assessment. BIGiOK.com/hows-my-tech EmpowerHER Women’s Conference – Returning in March on International Women’s Day (March 7, 2025) … I would encourage everyone to mark their calendars for this incredible event.

Anyone can benefit.

Manager’s Bootcamp – We all need help. This program is specifically for those who want to manage their team better BIGiOK.com/mbc.

BIGiOK.com

We’re heading into the 2025 Legislative Session, and BigIOK has your back. We work closely with our legislators to make sure that our laws and statutes work for our industry and our state.

Finally, last but not least, mark your calendars for May 7-9 for our annual conference, INSURCON! We will be at the brand-new OKC resort called OKANA. It’s going to be pretty incredible!

Our goal at BigIOK is to find ways to making our members’ agencies better by providing technology, education and products for you!

As always, feel free to contact me with any questions or thoughts at denise.johnson@BIGiOK.com.

Winter 2024 | POLICY

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POLICY | Winter 2024

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From the Young Agents Committee

Expanding Opportunities for Young Agents

Jase Riggs Young Agents Committee Chairman

The insurance industry in Oklahoma is evolving, and young agents are leading the way. Bringing fresh perspectives, energy and innovation, they are shaping the future of the industry. With countless opportunities for career growth, networking and leadership development, young agents in Oklahoma are rising to the occasion and making a difference.

Oklahoma is a vibrant place for young agents to thrive. Whether it’s construction, oil and gas, agriculture, benefits, or personal lines products, Oklahoma businesses provide endless opportunities for insurance professionals to develop innovative risk management strategies.

Young agents are well-positioned to leverage their tech-savvy skills and adaptability to meet these emerging challenges. Getting involved with the Big I Oklahoma offers critical leadership development, networking and mentorship opportunities that help young agents take their careers to the next level. Having spent time at conferences across the country, I can tell you that other states look to the Big I Oklahoma and the Young Agents for fresh ideas and membership development.

“Trailblazing Excellence”: A Milestone Event The recent “Trailblazing Excellence” conference was a shining example of young agents coming together to share ideas, network and learn from industry BIGiOK.com

leaders. For the first time, this event was held in collaboration with the young agents of Kansas, extending the event to 2.5 days at the beautiful Shangri-La Resort in northeast Oklahoma. With dynamic speakers, fun activities and invaluable networking, this conference was a massive success.

Notably, 47 first-time attendees attended the conference, a sign of the increasing interest among young professionals in the insurance sector. The event also made a significant impact on the community, raising over $1,500 for OK-Pac and additional funds for breast cancer awareness. It underscored not just the professional growth opportunities available to young agents, but also their dedication to giving back.

The Value of Young Agents in Oklahoma Young agents play an essential role in Oklahoma’s insurance industry. They bring fresh perspectives and bridge the gap between traditional methods and modern client expectations. Whether they’re working with large industries like oil and gas or supporting small businesses, young agents are crucial to developing creative and tailored insurance solutions. Their energy and adaptability have become a driving force behind much of the industry’s innovation, particularly as clients demand more personalized services.

Events like Trailblazing Excellence demonstrate how essential young agents Winter 2024 | POLICY

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From the Young Agents Committee are to the future of insurance, fostering a culture of collaboration, learning and growth. This momentum is sure to continue with upcoming opportunities for young agents to engage and lead within the industry.

Upcoming Opportunities for Young Agents Looking ahead, there are plenty of ways for young agents to stay involved and continue developing their skills. This winter, a community service project will give agents the chance to make a direct impact on their local communities. In the spring, a fundraiser will highlight one of the associations that are important to our committee, further demonstrating the commitment young agents have for supporting meaningful causes.

For those looking to further their professional development, applications are open for the FILO (Future Insurance

Leaders of Oklahoma) program. With registration capped at 20 participants and several already signed up, this program offers a unique opportunity to cultivate leadership skills and drive career growth. Be sure and register soon!

On Nov. 7, one of our association partners, Midcontinent Group, will host a free CE-approved Lunch and Learn at the Big I office. This is an excellent chance for young agents to network while also gaining valuable continuing education credits. To wrap up the year, we’ll host two Christmas parties – one in Oklahoma City and one in Tulsa – in early December.

These events are a fun way to celebrate the holidays while fostering connections among peers.

the future of Oklahoma’s insurance industry is in good hands with its young agents. Now is the time for the broader insurance community to support these young professionals – whether through mentorship, sponsorship or simply providing platforms for leadership. Their success ensures the future success of the industry, and with the support of experienced agents, the next generation will continue to rise.

Go to BIGiOK.com to find a schedule of upcoming events.

I hope to see you at the next event!

Contact me at jase@rigginsgroup.com or (580) 504-1962.

A Call to Action As we look back on the success of Trailblazing Excellence and anticipate the upcoming events, it’s clear that

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From the State National Director

9 Trends in the Insurance Industry That You May or May Not Realize Are Impacting Your Insurance Agency Running an insurance agency today means navigating several trends that could be affecting your operations, revenue and relationships with clients, even if you may not have fully realized their impact yet. Here are some of the top trends in the insurance industry that could be affecting your agency:

based processes, you could be losing out to agencies that have digitized their operations. Clients want easy-to-access information and fast resolution of issues.

Enhancing customer experience through better communication tools and digital self-service options could help retain clients.

1. Digital Transformation and Insurtech Adoption

3. Increased Focus on Cybersecurity and Data Privacy

• Impact: Insurtech companies are using technology to streamline processes, automate underwriting and offer digitalfirst insurance products. Traditional agencies may face competition from these platforms, especially as customers expect seamless, digital experiences.

• How It Affects Your Agency: If you haven’t yet adopted modern digital tools like customer relationship management (CRM) systems, online quoting or policy management platforms, you could be losing business to tech-savvy competitors. Clients increasingly expect real-time access to policies and claims management through digital interfaces.

2. Rising Consumer Expectations for Customer Experience • Impact: With the rise of digital service platforms, consumers now expect fast, frictionless interactions, including instant quotes, quick policy changes and rapid claim processing.

• How It Affects Your Agency: If your agency relies on traditional, paper12

POLICY | Winter 2024

Chris Floyd, CIC, CRM State National Director

• Impact: As agencies collect more data on clients, cybersecurity risks become more significant. The growing number of data breaches and cyberattacks across industries means that protecting sensitive client information is a top priority.

• How It Affects Your Agency: If you are not investing in data protection tools and training, you may risk not only losing clients but also regulatory fines or damage to your agency’s reputation.

Clients increasingly want to know how their data is being protected, especially as they share more personal and financial information with you.

4. Telematics and AI in Auto Insurance • Impact: Telematics, or the use of devices that monitor driving behavior, is being increasingly used by insurers to offer pay-as-you-drive or behavior-based discounts. Artificial intelligence (AI) is also transforming underwriting and claims processes by making them more accurate and efficient.

BIGiOK.com

From the State National Director • How It Affects Your Agency: If you are not promoting telematics-driven policies, you may miss out on clients who are looking for cost-saving opportunities through technology. Additionally, agencies that don’t embrace AIdriven tools in customer service may find themselves less efficient than competitors.

5. Regulatory Changes and Compliance Pressures • Impact: The insurance industry is heavily regulated, and changes in federal and state laws, such as evolving health care policies or new mandates on business insurance, can significantly impact how you operate.

• How It Affects Your Agency: Staying compliant with new regulations is critical. Failure to keep up with regulatory changes could result in fines or penalties, while clients may lose trust if they feel your agency isn’t up-to-date with the latest requirements.

floods and hurricanes are becoming more common due to climate change, increasing claims and raising premiums for property and casualty insurance.

• How It Affects Your Agency: Clients in high-risk areas are likely seeing premium hikes or losing access to certain types of insurance altogether. Your agency may need to find innovative solutions or alternative markets to help clients in these regions, as well as advise on risk mitigation strategies.

8. Workforce and Talent Challenges • Impact: The insurance industry faces a talent shortage, particularly in specialized areas like underwriting and risk management. The retirement of experienced professionals, coupled with the need for tech-savvy employees, has created a significant gap.

• How It Affects Your Agency: If you’re struggling to attract or retain skilled employees, it may affect your

principles. If your agency isn’t prepared to discuss how the insurers you work with address these concerns, you could miss out on opportunities, especially with younger and more socially conscious clients.

These trends suggest that the insurance industry is evolving rapidly, driven by technological advances, changing consumer expectations and external factors like climate change and litigation risks. Agencies that stay ahead of these trends by adapting their business models, adopting new technologies and meeting rising client demands will be better positioned for growth.

The Big I understands these challenges and stands in the gap for you as a member by providing the resources you need to meet these challenges, provide much-needed education and advocate at the most critical times so that you and your agency can focus on providing your customers and clients exceptional service.

Agencies that stay ahead of these trends by adapting their business models, adopting new technologies and meeting rising client demands will be better positioned for growth.

6. Social Inflation and Litigation Risk • Impact: Social inflation, driven by factors such as increasing lawsuit frequency, higher jury awards and more favorable rulings for plaintiffs, is increasing the cost of liability claims.

• How It Affects Your Agency: If your agency focuses on liability insurance, your clients may be facing higher premiums and seeking advice on how to manage rising costs. Being proactive about offering risk management solutions and working closely with underwriters to control costs could help retain clients.

7. Climate Change and Environmental Risk Insurance • Impact: Natural disasters like wildfires, BIGiOK.com

ability to grow or maintain high service standards. Investing in employee training, technology and flexible working arrangements can help bridge this gap. Agencies that fail to adapt to new workforce expectations may find it difficult to scale or keep up with client demands.

9. Demand for ESG (Environmental, Social, Governance) in Insurance • Impact: Increasingly, consumers and businesses are looking for insurers that align with their values, including environmental sustainability, social responsibility and ethical governance.

• How It Affects Your Agency: Clients may start asking for or gravitating toward insurers who are committed to ESG Winter 2024 | POLICY

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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.

2024 Contributors Stewart Berrong Kent Bradford Travis Brown Deborah Burton Michael Cole Jerrad Coots Vicky Courtney Jennifer Dotter Scott Dull Eitzen Family Trust Chris Floyd

Patricia Gillespie Vaughn Graham Jr. Vaughn Graham Sr. Guy Griggs John Casey Harper C. Ross Harris Denise Johnson Krista Kautz Pat Mandeville Michael T. McCullough Avery Moore

Brad Owens Thomas Perrault Rob Piearcy Sara Bradshaw Ray Kathy Reeser Arthur Rickets Michael Ross Scott Selman Daniel L. Somers Joe Strunk 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.

2024 Contributors Cyd Allen Stewart Berrong Travis Brown Debbie Burton Mark Carlin Mike Cole Vicky Courtney Jenny Dotter Michael Scott Dull Phil Eitzen Jay Eshelman

Vaughn Graham Sr. Vaughn Graham Jr. Austin Greenhaw Guy Griggs C. Ross Harris Rich Haverfield John Hester Tony Holmes Clayton Howell Denise Johnson Krista Kautz

Mark Long Pat Mandeville Mike McCullough Mark McPherson Jon Moon Avery Moore Steve Poleman Kathy Reeser Drew Rickets Jase Riggs T.J. Riley

Seth Robbins Mike Ross Daniel Somers Joe Strunk Belynda Tayar Ryan Teubner Brad Warwick Trent Willis Ed Young

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

Is your name not on the list? Make contributions today at BIGiOK.com/pac Contributions as of 10/21/2024. Only gifts of $100 or more are listed, except for Young Agents,whose contributions of any amount are listed.

BIGiOK.com

Winter 2024 | POLICY

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About BIGiOK

BIGiOK LEADERSHIP Chairman

Chairman Elect

Treasurer

Ricketts Fennell & Assoc.

Tulsa

VIP Insurance Edmond

Omega Insurance Agency Choctaw

Vicky Courtney

Secretary

Guy Griggs INSURICA Tulsa

Kathy Reeser

Scott Dull

State Director

Immediate Past Chairman

Brown & Brown Insurance Pryor

Rich & Cartmill Inc. Oklahoma City

Chris S. Floyd, CRM, CIC

Vaughn Graham Jr., CIC

Director at Large

Director at Large

Director at Large

Arnett Insurance Agency Durant

Cornerstone Insurance Group Oklahoma City

Dillingham Insurance Oklahoma City

Rob Piearcy

Trent Willis

Helen Kasper

Company Liaison

MGA Liaison

YAC Chairman

Liberty Mutual Oklahoma City

CompRisk Management Inc. Oklahoma City

Riggs & Associates Ardmore

Traci Madole

Rebecca Easton

Jase Riggs

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 BIGiOK 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. BIGiOK 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, BIGiOK 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.

BIGiOK policy is set by a board of directors elected at the annual conference. Policy is implemented by a professional 16

POLICY | Winter 2024

staff located in Oklahoma City. BIGiOK’s mission is carried out through a variety of programs designed to enhance the business of independent insurance agencies.

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

BIGiOK is affiliated at the national level with the Independent Insurance Agents and Brokers of America with offices in Alexandria, Virginia, and Washington, D.C. BIGiOK 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.

BIGiOK.com

We’re keeping insurance human.

To better support you and your customers.

To help you protect businesses in your community.

To keep your agency thriving.

This is our promise. Let’s achieve it together.

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BIGiOK.com

Winter 2024 | POLICY

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From Strategic Initiatives

The Whole Person Approach: Leveraging Strengths Assessments to Unlock Potential in Your Team

“Our staff meetings absolutely drive me crazy.”

“Why can't Jane just take my directions and execute?”

“I don’t understand why client A won’t respond to my emails.”

Sound familiar? I’ve been there, and I’ve heard these frustrations countless times from agency owners. Early in my career, I shared those same thoughts. I expected everyone to operate the way I did – efficiently, with a clear action plan, ready to execute. And that client who never replied to my detailed emails? It turned out they weren’t ignoring me; they just wanted the executive summary while I was sending them the encyclopedia.

The Power of Knowing Yourself Self-awareness is the foundation of growth and effective leadership. Over the years, I’ve come to appreciate the transformative power of strengths assessments in unlocking potential. My own journey of self-discovery began with the CliftonStrengths assessment, which revealed my top five strengths: Individualization, Achiever, Analytical, Responsibility, and Discipline.

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

Understanding these strengths gave me clarity about how I operate, helping me build stronger relationships and work more effectively. Individualization, for example, allows me to recognize and appreciate the unique qualities in each

Self-awareness is the foundation of growth and effective leadership.

It wasn’t until I discovered the power of strengths assessments that I realized the real issue: Not everyone thinks, feels or acts the same way I do. And that’s a good thing. Understanding this was a game-changer, both for my leadership approach and for how I helped my clients build stronger, more effective teams.

This realization is where tools like the Kolbe A™ Index and CliftonStrengths come into play. They allow us to see the whole person – to understand not just their skills and personality but how they instinctively take action. Let me share how these tools have shaped my journey and how they can transform yours.

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POLICY | Winter 2024

person I encounter. This strength is invaluable in my consulting work, where tailoring my approach to each client’s specific needs has been key to building deeper, more meaningful partnerships.

My Achiever strength fuels my productivity, helping me set and reach ambitious goals, while Analytical allows me to think critically and examine problems from multiple angles. Rounding out my top five, Responsibility and Discipline reflect my commitment to reliability and maintaining a structured approach to work.

BIGiOK.com

From Strategic Initiatives But as powerful as CliftonStrengths is in understanding how we relate to the world, it only tells part of the story. That’s where the Kolbe A™ Index comes in.

thinking, I must be mindful of potential analysis paralysis. Knowing this allows me to balance my approach and take action when it’s needed most.

Beyond CliftonStrengths: The Kolbe A™ Index

Why This Matters for Your Team

While CliftonStrengths reveals our cognitive and affective strengths – how we think and feel – the Kolbe A™ Index measures our conative strengths, or how we naturally take action. This assessment helps us understand the instinctive ways we operate when we are free to be ourselves.

For me, the Kolbe A Index reinforced much of what I learned through CliftonStrengths. My high score in Fact Finder aligns perfectly with my Analytical strength, reflecting my natural tendency to gather and evaluate information before making decisions.

Kolbe also helped me recognize that while I excel in research and critical

These tools are not just about personal growth – they’re about building stronger, more effective teams. Whether you’re hiring a new team member or developing the talent you already have, understanding the whole person can dramatically improve how your agency operates.

Hiring with Confidence: When you’re hiring, traditional methods often fall short. You can find candidates with the right skills (cognitive strengths) and cultural fit (affective strengths), but that doesn’t guarantee success. The missing piece is understanding how someone will naturally take action – and that’s where Kolbe provides critical insight.

For example, if you’re hiring for a role that requires consistent systems management, you need someone with strong Follow Thru capabilities. Hiring someone who thrives in chaos and improvisation (a Quick Start strength) could set them up for failure, even if they have the right skills and personality.

Using assessments like Kolbe during the hiring process allows you to find people whose natural strengths align with the job’s requirements, reducing turnover and ensuring long-term success.

Developing Your Existing Team: The benefits don’t stop with hiring. Once you have a team in place, understanding each person’s strengths helps you develop them in ways that increase engagement and productivity. Take a producer who excels in Quick Start but has been tasked with repetitive administrative work – over time, they’ll burn out. Realigning their role to focus on high-risk, fast-paced activities can reignite their engagement and boost performance.

In my own consulting practice, I’ve seen how aligning employees’ roles with their strengths not only increases satisfaction but also drives business results. Whether it’s tailoring communication styles or shifting responsibilities to better match natural strengths, these small adjustments can lead to significant improvements.

The Importance of StrengthsBased Leadership Running a strengths-based business isn’t about fixing people’s weaknesses – it’s about playing to their natural abilities.

When you understand the whole person, you can put people in roles where they will not only succeed but thrive.

Using both CliftonStrengths and Kolbe A Index together provides a complete picture: CliftonStrengths helps you understand what motivates your employees, what energizes them and how they build relationships.

Kolbe A Index tells you how they instinctively take action, whether they’re

BIGiOK.com

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From Strategic Initiatives natural problem-solvers, system-builders or hands-on implementors.

Together, these tools allow you to build a team that is not only capable but perfectly aligned with your agency’s goals.

In fact, research shows that businesses that focus on strengths experience higher engagement, better performance and lower turnover.

When your employees are doing work that aligns with their strengths, they’re more productive and engaged, and your business benefits from their higher energy and focus.

My Personal Experience: Applying Strengths in Practice The power of strengths-based leadership has transformed how I approach my own work. For example, my Achiever strength keeps me focused on setting and reaching goals, while my Analytical and Fact Finder strengths ensure that I approach problems systematically and consider all angles. My Individualization allows me to tailor my communication to each person, and Responsibility and Discipline ensure I meet deadlines and maintain high standards.

strengths assessments isn’t just about hiring the right people – it’s about developing a team that is fully engaged, highly productive and capable of driving your business forward.

If you’re ready to harness the power of Kolbe and CliftonStrengths to build a strengths-based business, I’m here to guide you. Reach out to me at BIGiOK Consulting to discover how we can work together to unlock the full potential of your team. Let’s start your journey toward greater engagement, productivity and success.

Contact me today at sara@BIGiOK.com to take the first step in transforming your team with a strengths-based approach!

continued from page 4 Insurance Data Security Act (SB 543), applicable to carriers and agents, mandating implementation of a written security program and reporting of an incident. There are a few exceptions, and I encourage reading the Bulletin and SB 543 to be sure you’ve taken appropriate action. (OID.OK.gov) As a member of BIGiOK, you have FREE member access to portions of Catalyit, an incredible tech assessment program, and for a small monthly fee, full access to this invaluable program. Go to BIGiOK.com for links and more information.

By the time you get this issue, the elections may be over. Hopefully you didn’t bypass the unique opportunity to voice your opinion with your vote.

Millions around the world do not have the ability to vote or freely select their choice.

This country was founded on the desire for freedom – and one of the greatest is our ability to cast our individual choice by voting. Your vote won’t make a difference if you don’t use it.

REMEMBER TO CONNECT & COMMUNICATE!

This approach has not only helped me grow as a consultant but also made a tangible impact on the clients I work with. When agency leaders understand their own strengths and those of their teams, they can delegate more effectively, improve collaboration and ultimately drive better results.

Conclusion: The Whole Person, The Whole Business In today’s fast-paced, competitive environment, understanding the whole person is essential to building a successful, strengths-based business. By leveraging the CliftonStrengths and Kolbe A Index, you can gain a deeper understanding of your team, align them with the right roles and create an environment where everyone thrives.

As I’ve seen firsthand in my work with insurance agencies, investing in

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BIGiOK.com

6/22

From the State Insurance Commissioner

Strengthen Oklahoma Homes Program: What You Need to Know

In June, Gov. Kevin Stitt signed into law House Bill 3089, the Strengthen Oklahoma Homes Act, and kicked off the Oklahoma Insurance Department in organizing the program that will help Oklahomans fortify their homes and reduce homeowners’ insurance rates.

The Strengthen Oklahoma Homes Program is set to begin early next year, so I want to discuss some key points about the program’s timeline and criteria.

The law will go into effect on Nov. 1, 2024, and the application will open in early 2025. OID has already begun our implementation process,

an in-force flood insurance policy if the home is in a special flood hazard area.

After completing the application, the next step is to secure a home evaluator from OID’s list of approved evaluators.

Once the project is approved and work is completed, OID will make payment to the roofing contractor directly.

Glen Mulready State Insurance Commissioner

After OID evaluates applications and determines whether homes can be mitigated, homeowners can use the grant funds to outfit homes to the Insurance Institute for Business & Home Safety (IBHS) standards, specifically IBHS FORTIFIED Home – Roof™ – High Wind

Policyholders could qualify for discounts of up to 42% in making these enhancements to homes. which includes creating consumer information materials, building the grant application, and providing resources for evaluators and contractors. We will announce when the applications are open and continue to provide updates.

designation with the Hail Supplement.

Mitigation under this standard includes enhanced roof deck attachment, sealed roof deck, locked-down roof edges, impact-resistant shingles by IBHS, and wind and rain-resistant attic vents.

The grants are open to homeowners who have their primary residence in any of Oklahoma’s 77 counties. Homes must be in good repair unless they have sustained damage from a tornado, windstorm, hail or other catastrophic event. In addition, homeowners must provide proof that they have an active homeowners’ insurance policy with wind coverage and

Insurance companies offer discounts for Homes with a FORTIFIED Home™ Designation on the wind portion of their insurance premium. Policyholders could qualify for discounts of up to 42% in making these enhancements to homes.

A list of some of the discounts is available on OID’s website. Each company is different, and discounts vary. Insureds

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BIGiOK.com

From the State Insurance Commissioner should check with their carriers to see which specific discounts would be available.

Contractors must become Certified FORTIFIED service providers to be chosen for the Strengthen Oklahoma Homes Program. This certification requires specific training and an examination.

Once contractors are certified, they will submit their information to OID for final review and approval to be added to the list of approved contractors. The FORTIFIED Home website details the service provider certification process and is an excellent source of information.

I’m looking forward to helping Oklahomans make their homes more resilient to disasters and bringing some relief amid rising prices through this pivotal new program launching next year. To get more information about the Strengthen Oklahoma Homes program and the latest updates, visit oid.ok.gov/ okready and follow OID on social media.

• Nov 12: CISR Commercial Casualty 2** • Nov 13-14: CIC Commercial Property • Nov 15: Episode 6: Free Friday Ethics** • Dec 4: CISR Insuring Commercial Property** (**Online Only)

2025 Calendar Coming soon!

BIGiOK.COM/EDUCATION

The Trusted Choice Disaster Relief Fund aims to provide crucial financial assistance to insurance industry personnel affected by catastrophic events that aren’t covered by their own insurance or other sources.

In the aftermath of Hurricane Helene and Milton, many states including Georgia, South Carolina, North Carolina, and Tennessee still face months of recovery.

The need for support continues to grow.

Todd Jackson, IIABA Chair, highlighted the added pressures faced by agency owners in these regions: "Balancing the impact of damage to their small business while still serving their clients can be overwhelming.

This relief fund is something we should all be proud of, and the efforts to support it are inspiring. Thank you for leading this important cause."

If you haven’t had the chance yet, please consider making a donation online to the Trusted Choice Relief Fund ( BIGiOK.com/TC-RF ). Every contribution helps agents and industry professionals in need.

BIGiOK.com

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The Heart and Soul Behind the Mission

BIGiOK: The Heart and Soul Behind the Mission

Project Manager: Jerry Rappé Written by: Chat “Ralph” GPT Cover Photo: Stellar Photography The staff at BIGiOK is as dynamic and inspiring as the industry they serve, each individual bringing unique talents, passions and experiences that contribute to the success. Their collective story is one of growth, dedication and teamwork— a narrative that reflects the heart of the Association's mission and the camaraderie that makes it feel like home.

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BIGiOK.com

The Heart and Soul Behind the Mission Kim Watkins, education coordinator, recalls a defining moment that set her on her path.

Jeanette Madrid, Worker's Compensation account manager, shares a similar passion for personal growth.

"I went back to university after having my first daughter and was pregnant with my second. For me, finishing my degree symbolized independence — a certificate I knew I would need later."

“I’ve worked hard to maintain and grow my book of business, which has strengthened the team by providing more resources and encouraging collaboration. When one of us succeeds, we all succeed,” she said.

Kim’s determination embodies the spirit of resilience and personal achievement that resonates throughout the organization.

Jeanette is also embracing new adventures outside the office, having recently received a Honda Rebel motorcycle from her husband.

Beyond the office, Kim’s love for nature fuels her. “I’m an avid outdoorswoman, a runner, and love backpacking off-grid.”

“I’m excited to learn how to ride — it’s going to be an adventure!”

For Kim, the culture at BIGiOK can be summed up in one word: “Peaceful.

Everyone works like a well-oiled machine, helping one another beyond their defined roles. It allows me to feel safe—peace in the workplace breeds confidence.”

Shania Slavick, director of member services, echoes the importance of relationships and teamwork to the Association.

“It's the people — our members, partners and the Young Agent’s Committee — that make this work truly meaningful. I started here as a 20-yearold intern, and seven years later, I’ve grown alongside incredible mentors and peers who’ve made this industry feel like home."

Shania finds fulfillment in the variety her role offers, whether scouting venues or fostering partnerships. One of her proudest accomplishments was winning the 2022 Liaison of the Year Award and later speaking at the IIABA National Conference.

“Being able to share insights from our successful programs with associations across the country was an incredible honor,” she reflects.

BIGiOK.com

For her, the office culture is “collaborative,” reflecting the way the team supports one another to achieve shared goals.

For Cindy Munden, Specialty Lines Service account manager, the BIGiOK team is like a family.

“I’ve been with the Association for 26 years, and I love the sense of teamwork.

Everyone brings their own ‘superpower,’ and together we tackle challenges and celebrate successes.”

Cindy’s long tenure provides stability and reliability to the team, fostering an environment where creative solutions thrive.

“It’s like being part of a superhero team — we each have unique strengths, and together we’re on a mission to make a difference.”

Rabia Anjum, Eagle customer satisfaction specialist, values the personal connections she’s built within the Association.

“Everyone genuinely cares about one another, and it makes work so much more enjoyable,” she declared.

Despite working remotely from across the globe, Rabia feels fully connected.

“The team’s inclusiveness amazes me — they even sent me a thoughtful gift, making me feel valued, despite the distance."

Rabia credits her first manager for shaping her career by encouraging her to step out of her comfort zone, observing: “His mentorship boosted my confidence and laid a strong foundation for my growth.”

For Jerry Rappé, marketing and communications director, a pivotal moment in his life redirected his career path toward creative media.

“When a close family member passed, it was a reminder that life is short. I decided to pursue what I love — creative media — and I’ve never regretted it.”

Jerry appreciates the freedom to think outside the box and the support he receives in executing his ideas. A lover of live orchestral music, he finds joy in listening to big band performances, a hobby that reflects his appreciation for both creativity and collaboration.

Chief of Staff & Operations Josh Reasnor brings a wealth of leadership experience from his time in the U.S. Air Force.

“A TSgt on my first deployment after 9/11 taught me the value of servant leadership — taking care of the team first,” he said.

“Inspired by this example, Josh earned a master’s degree in strategic leadership, an education that proved invaluable in his work at BIGiOK. “I prop up rock stars,” he said. “My role is to empower the team and remove obstacles so they can succeed.”

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The Heart and Soul Behind the Mission One of Josh’s proudest achievements is building the right team over the past five years.

“We guard our culture fiercely, and as a result, we’ve built a team that cares deeply about each other and makes a meaningful impact every day,” he explained.

Sara Bradshaw Ray, senior vice president of strategic initiatives, reflects on a conversation with Denise Johnson that sparked a transformative initiative.

"Denise and I discussed her becoming the first female CEO of our state association. From that conversation, we realized the need for a community and professional development opportunities tailored to women in our industry.

That was the beginning of MyNetwork, a mastermind group that has now

empowered women leaders nationwide for 10 seasons.”

Sara’s approach to her role goes beyond consulting; she sees herself as a coach, guiding members to turn challenges into opportunities.

“There’s nothing more rewarding than seeing someone gain the confidence to overcome obstacles and achieve their goals,” she stated.

Denise Johnson, BIGiOK president and CEO, has a deep-rooted passion for the industry.

“My dad has been a member of the Big I since 1964, and I grew up understanding the importance of the Association,” she reflected. “It’s always been about making agencies better, and that’s still our mission today.”

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Denise, who is currently pursuing her yoga certification, enjoys the challenge of learning something new.

“It’s been physically and mentally demanding, but it’s also been a rewarding journey.”

Reflecting on the people (other than her dad) who have influenced her, Denise credits the many inspiring women she’s learned about through history.

“Listening to 'The History Chicks' podcast has deepened my admiration for the women who’ve paved the way for me,” she explained. “My dad, however, gets full credit for introducing me to this industry and teaching me the value it brings.”

As Denise puts it in her closing reflection: “I hope you all are just a little ‘jealous’ of our amazing team. This incredible group of professionals is here to make your agency better while elevating everything we do in this office. Thank you, team, for helping make BIGiOK what it is.”

The staff of BIGiOK is truly a remarkable ensemble — each person bringing unique skills, experiences and perspectives that, like snowflakes, come together to create something unique and extraordinary.

This winter, we celebrate the people behind the scenes who make BIGiOK thrive and wish all of you a season filled with warmth, joy and shared success.

Here’s to the staff of BIGiOK — and happy winter from all of us!

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26 POLICY | Winter 2024

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Young Agents Conference

Trailblazing Excellence at the 2024 Young Agents Conference

The Young Agents of Oklahoma and Kansas came together Sept. 25-27 for a remarkable event at Shangri-La Resort.

With the theme Trailblazing Excellence: Choose Your Path, Leave Your Legacy!, attendees embarked on a transformative experience, filled with professional development, engaging activities and powerful networking opportunities.

The conference featured an impressive lineup of presenters, including Derek Hayden, Paul Houska, Ashley Napier, Quentin Harris and Scott Howell. Each session offered fresh insights, actionable strategies and inspiration to help young agents advance in their careers and build lasting legacies in the insurance industry.

the Big I’s Young Agent Conference. I have been able to incorporate a lot of the content learned from each of the classes I attended. The environment was incredibly hospitable, and I got to meet lots of agents in a similar place in their career in a fun environment, which was exactly what I was hoping for when I signed up. The venue was spectacular, and Shania even made sure to accommodate my food allergies. I plan to attend next year and every year following for more connections and tools to help me develop my book of business.

I’m incredibly grateful to the Big I and Shania for hosting such a wonderful event.”

Attendees enjoyed Shangri-La’s luxurious accommodations, complemented by outstanding cuisine and perfect weather.

Entertainment options were abundant, ranging from golfing, fishing outings and boating to relaxing spa experiences.

Evening festivities included a live band, a spirited beer pong tournament and countless opportunities for networking.

Ricci Fish of Omega Insurance Agency Inc. said: “I had such a wonderful experience! From meeting new people to networking and making deeper connections, to hearing the wonderful speakers, it has been a one-of-a-kind experience. I am truly thankful for the incredible experience and valuable knowledge.”

Participants expressed how much they appreciated both the practical content and the welcoming environment.

Shelby Stewart from Brown & Brown Insurance said:

The 2024 conference was a celebration of learning, growth and camaraderie.

With memories made, new connections formed and valuable insights gained, attendees are already looking forward to returning next year to continue their journey of trailblazing excellence.

“I have nothing but good things to say regarding my first experience at BIGiOK.com

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Young Agents Conference

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BIGiOK.com

Young Agents Conference

BIGiOK.com

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Newsmakers

BIGiOK Welcomes Kim Watkins as Education Coordinator A Perfect Fit for the Future of Learning BIGiOK is thrilled to announce the addition of Kim Watkins to our team as education coordinator, where she will take the lead in facilitating all education events. Kim brings with her a wealth of teaching experience, a passion for public speaking and an enthusiasm for creating impactful learning experiences that align perfectly with the mission of BIGiOK. CEO/President Denise Johnson, reflecting on the hiring process, expressed her excitement about finding the right person for the role: “I’ve always felt in my heart this position needed to be filled by a teacher. And sure enough, out of the blue, we got Kim’s résumé. Guess what?

Kim’s a teacher, and we are so thrilled.”

For Kim, the journey to this role has been both unexpected and rewarding.

“I didn’t hate teaching,” she explained. “I just hated the platform I was teaching in.

I kept trying to get away from teaching,

In Memoriam

John Louis Birsner, a Missouri native, began his career working summers to learn the art and science of the construction industry. He always enjoyed seeing the projects coming together and

30 POLICY | Winter 2024

but I always ended up in some sort of instructional genre.”

When the opportunity at BIGiOK appeared, she knew it was a natural fit. “ After I saw the job posting, I thought, ‘This sounds interesting.’ And when I heard more about the teaching and public speaking involved, I interrupted and said, ‘This is my job. I’m in.’”

With a chuckle, she added, “I was in my running clothes in an Uber, but I was ready to turn that car around for an interview right then and there.”

“We have so many great ideas and are excited to see how this turns out,” Denise said. “BIGiOK is confident that our educational programs will thrive under her guidance.”

Kim Watkins

As the new education coordinator, Kim is poised to elevate BIGiOK’s education initiatives and provide valuable

opportunities for learning, growth and professional development across the organization. The entire BIGiOK community looks forward to the fresh perspectives and innovative ideas that Kim will bring to the role. Welcome to the team, Kim!

respected all aspects of the operations.

Upon graduation from college, he took a job with the St. Paul Insurance Co. and lived in Minnesota for several years.

As his expertise grew in insurance, John became a specialist in construction bonding and was transferred to Atlanta to establish the regional bond department of the St. Paul Insurance Co. He was sent to Oklahoma City, where he settled with his family, eventually becoming an independent insurance agent. At the time of his passing, he was associated with the Insurance Agency of MidAmerica Inc. With a vast knowledge of animal and bird life, John enjoyed hiking and exploring the outdoors and could readily identify bird calls and recognize their seasonal migration patterns. He had a keen respect for conservation and was concerned about waste of any kind. He also loved sports, especially the St. Louis

Cardinals, and could recall statistical information about games and players past and present. He also enjoyed watching OU football games with all the guys at regular Saturday watch parties in the fall.

BIGiOK.com/birsner

BIGiOK.com

Newsmakers

Celebrating the 2024 FILO Program Grads With a Grand Finale at Topgolf!

We are thrilled to announce the successful conclusion of our 2024 FILO Program with an exciting and welldeserved finale at Topgolf!

This dynamic six-month program challenged and empowered participants, equipping them with critical skills and industry knowledge across a broad spectrum of topics, including sales and

BIGiOK.com

marketing, legislative affairs, leadership, underwriting, claims, and premium finance.

A heartfelt congratulations to our 17 outstanding graduates! Their dedication and commitment exemplify the spirit of continuous learning and leadership that the FILO program strives to inspire.

Looking ahead to 2025, we are excited to continue building future leaders through this transformative experience.

Applications are now open, and we invite those seeking to elevate their career and broaden their expertise to apply.

For more information and to submit your application, visit BIGiOK.com/filo. Don’t miss the opportunity to take the next step in your professional journey!

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Partners Page for Policy Mag October 17, 2024 4:28 PM

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Always thankful for the support of these great partners.

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