Tennessee Insuror Magazine - September-October 2023

THE TENNESSEE

INSUROR

Celebrating 130 Years October 21-24, 2023, Knoxville, TN

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Insurefest 2023

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THANK YOU !

Convention Sponsors

September/October 2023 Volume 34 | Number 5

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Convention Throwback...

Cherish the Memories 1893-2023

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contents

THE TENNESSEE

INSUROR Volume 34, Number 5 September/October 2023 Phone 615.385.1898 Toll Free: 1.800.264.1898 Email: marketing@insurors.org Editor: Ron Travis Publisher: MarketWise, Inc

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Insurefest 2023

INSURORS OFFICERS

President ..............................................Matt Swallows, CIC, CRM IIABA National Director ........................John McInturff III, ARM VP Region I ...................................................................Bobby Sain VP Region II .........................................Battle Bagley, III, CIC, CPA VP Region III, President-elect .............Kym Clevenger, CPCU Treasurer ....................................................Richard Whitley, CIC Secretary ..................................................................Kevin Ownby Director, Region I ....................................Eric Collison, CIC, CRM Director, Region I ............................................Pam Lofton-Wells Director, Region I ........................................................... Cy Young Director, Region II .....................................Cameron Winterburn Director, Region II ......................................................... Chip Piper Director, Region II ...................................... Paul Steele, CIC, CRM Director, Region III .................................................... Tim Goss, CIC Director, Region III .......................................... Bill Oldham III, CIC Director, Region III ...................................................Josh Gibbons Director, Young Agents .................................John Brock, CAWC Immediate Past President ......................... Norfleet Anthony III

ADVERTISING

Display advertising rates, deadlines and specifications may be obtained by writing to Insurors of Tennessee, 2500 21st Avenue South, Suite 200, Nashville, TN 37212, calling 615.385.1898, e-mailing marketing@insurors.org or online at www.insurors.org The Tennessee Insuror is provided to all Insurors of Tennessee members and associate members as a member service.

INSURORS OF TENNESSEE 2500 21st Avenue South, Suite 200 Nashville, TN 37212-0539 www.insurors.org

The Tennessee Insuror

Celebrating 130 Years

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Special Bulletin: Annual Business Meeting - October 24 Thank You! Convention Sponsors Meet Your 2023 Convention Speakers Visit These Convention Exhibitors Convention Throwback... Cherish the Memories 1893-2023

departments 21

From Your President Ready... On Three...Break!!!

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Your Big "I" Insurors of Tennessee Recognized at Annual Big ‘I’ Fall Leadership Conference

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From Your CEO Kicking Off the 130th Annual Conference

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Tennessee Young Agents '23 Young Agents of Insurors Enjoy Annual Big “I” Young Agents Leadership Institute

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Partners for Tennessee - Thank you for your support!

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Government & Legal Update Advocacy Update: Carrier Receivership Impacts Tennessee; Big I Opposes NAIC Model Act

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Association Update

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Company Briefs

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Education Calendar

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Meetings - Mark Your Calendars

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Your Big "I" Charles Symington Becomes Big ‘I’ President & CEO

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Directory of Advertisers

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Celebrating 130 Years...

Welcome to the Insurors of Tennessee 129th Annual Convention. We are excited to meet in our host city of Knoxville, at the newly renovated Marriott hotel in the heart of Knoxville. We have a great lineup of events planned and hope you take advantage of the many opportunities to learn and network.

Of course, there will be plenty of time to relax and socialize as well. The schedule of events follows. If you have any questions after you arrive please visit us at the on-site registration desk.

Find a map of the downtown Knoxville on page 6.

Schedule of Events • All times Eastern • Meeting rooms in italics Saturday, October 21, 2023 • Football Watch Party • Tennessee vs Alabama Time dependent on kickoff

Join us for a welcoming night of football and fellowship as we kickoff our Annual Convention!

Wear your schools colors to show your support!

The Den

Sunday, October 22, 2023 • Day One • Registration • Trade Show Opens • WINS Session • Opening Dinner 8:00 am - 11:00 am

Board of Directors Meeting (by invitation only)

Wiley

11:30 am - 12:30 pm

Past Presidents Luncheon (by invitation only)

Hope

1:00 pm - 5:00 pm

Registration Open

Atrium

1:00 pm - 2:00 pm

WINS: Women in Insurance Breakout Session

Wiley + Milani

2:00 pm - 6:00 pm

Sunday Trade Show

World's Fair Exhibition Hall

6:30 pm - 8:00 pm

Opening Night Dinner- guest speaker US Representative Dr. Mark Green

Belle Meade 1 & 2

9:00 pm – 11:00 pm

Young Agents Night Out (registration required) Presented by EMC Insurance

Maple Hall

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YA

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Monday, October 23, 2023 • Trade Show • 3 Breakout Sessions • Top Golf • River Cruise • Company Night 7:30 am - 9:00 pm

All Attendee Breakfast

Ballroom B

8:00 am - 12 :00 pm

Registration Table Open

Atrium

8:00 am - 10 :00 pm

Monday Trade Show

World's Fair Exhibition Hall

8:30 am - 10:00 am

Breakout Session #1 - “When Words Collide: Resolving Insurance Ballroom A Coverage and Claims Disputes” featuring Bill Wilson, CPCU, ARM, AIM, AAM

10:00 am - 11:00 am

Breakout Session #2 - InsureTech Panel- Join Chip Bacciocco, CEO of TC.com, Ballroom A Jason Walker, President of Agency Revolution, Adam Kiefer, Founder of Talage, and Lou Moran III, Vice-Chair of the IIABA Executive Committee

11:00 am - 12:00 pm

Breakout Session #3 - Recreational Marine CE Course (1HR) Presented by Martin & Zerfoss and Chubb

12:00 pm - 6:00 pm

Free Time (Optional Activities Available)

1:00 pm - 3:00 pm

Exclusive Fall Foliage Tennessee River Cruise (registration required) Presented by Martin & Zerfoss and Chubb Insurance

2:00 pm - 4:00 pm

TopGolf Outing (registration required) 11400 Outlet Drive, Farragut, TN Presented by Travelers Insurance

6:00 pm - 9:00 pm

Company Night (events and/or dinner on your own)

Ballroom A

Tuesday, October 24, 2023 • Association Day Breakfast & Business Meeting 8:00 am - 10:00 am

Association Day Breakfast and Annual Business Meeting (Please read the Special Bulletin on page 6 for business matters to be voted on.)

Ballroom B

10:00 am - 11:00 am

2024 Board of Directors Meeting and Portraits (by invitation only)

Ballroom B

11:00 am

End of Program u

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Special Bulletin: Annual Business Meeting - October 24, 2023 The following association changes are to be voted on by our agency members at the Annual Business Meeting being held at the Downtown Marriott on Tuesday, October 24th at 8 o’clock in the morning in conjunction with our 2023 Annual Convention in Knoxville.

Agency Members must be present at the Business Meeting to vote.

2024 Board Elections and Nominees Immediate Past President – Matt Swallows (Region II) President – Kym Clevenger (Region III) President-Elect – Bobby Sain (Region I) Vice Presidents - Elected Annually Region I Bobby Sain has served 2 years (moving to President-elect) Region II Battle Bagley III has served 1 year Region III Kym Clevenger (moving to President) NOMINEE Kevin Ownby Treasurer - Elected Annually Treasurer Richard Whitley has been nominated to continue 1 year of service

Secretary - Elected Annually Secretary Kevin Ownby has served 1 year NOMINEE Jamie Williams Directors - Elected for 3-Year Term Region I Eric Collison has served 3 years NOMINEE Andrew Maddox Region I Cy Young has served 2 years Region I Pam Wells has served 1 year Region II Region II Region II Region III Region III Region III

Paul Steele has served 3 years NOMINEE Matt Felgendreher Chip Piper has served 2 years Cam Winterburn has served 1 year Bill Oldham, III has served 3 years NOMINEE Stuart Oakes Tim Goss has served 2 years Josh Gibbons has served 1 year

Young Agent Director - Elected Annually John Brock has served his term NOMINEE Sam Organek

Marriott Knoxville Downtown 525 Henley Street Knoxville, Tennessee 37902 865-522-2800 www.marriott.com Located in the heart of downtown Knoxville with an easy walk to entertainment, shopping and dining options in Market Square; galleries, coffee shops, and breweries in Old City Knoxville; and the Arts District along Gay Street.

All accommodations feature mini-refrigerators and floor-to-ceiling windows with stunning city views. Stay fit in our expansive state-of-the-art fitness center or take a stroll in our backyard to enjoy a park setting with fountains and water features.

A clever nod to Knoxville’s history as a maker city, the on site Restaurant at Maker Exchange is the spot for enjoying drinks and noshing on fresh regional foods that encompass the spirit of Knoxville in a social and energetic setting. Open everyday 6:30 AM - 11:00 PM. 6

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THANK YOU Convention Sponsors !

Diamond

FLOOD INSURANCE

PLATINUM



GOLD

Silver

Bronze

ACCIDENT FUND INSURANCE COMPANY OF AMERICA • AMTRUST • ASSOCIATED INSURANCE ADMINISTRATORS, INC • BERKSHIRE HATHAWAY GUARD INS BURNS & WILCOX • THE CASON GROUP • CELINA INSURANCE GROUP • CINCINNATI INSURANCE • CORNERSTONE NATIONAL INSURANCE • EMC INSURANCE FRANKENMUTH INSURANCE • GOVERNMENTAL RISK INSURANCE PLANS • J.M. WILSON • METHOD INSURANCE • NATIONAL GENERAL, AN ALLSTATE COMPANY PIE INSURANCE • PREVISOR INSURANCE • RT SPECIALTY • SAFEWAY INSURANCE COMPANY • SOUTHERN INSURANCE UNDERWRITERS

UTICA NATIONAL • WESTFIELD

Event Sponsors

CHUBB - Breakout Session #3-Recreational Marine CE Course and Fall Foliage Tennessee River Cruise MARTIN & ZERFOSS - Breakout Session #3-Recreational Marine CE Course and Fall Foliage Tennessee River Cruise TRAVELERS - TopGolf Outing EXCHANGE MEDIA GROUP - Sunday Trade Show EMC INSURANCE - Young Agent Night Out RT SPECIALTY AND IMPERIAL PFS - WINS Breakout 8

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ONE SIZE FITS ONE.

Selective is committed to working with independent agents in Tennessee just like you. Together, we can provide Commercial, Personal, and Flood coverage for each unique customer.

Contact Dan Schilling, Territory Manager, at dan.schilling@selective.com and help your customers Be Uniquely Insured.

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Meet Your 2023 Convention Speakers CEO. He has been a key leader in many industry coalitions on Capitol Hill, advocating on issues important to Big “I" members. Symington joined the Big “I" in 2004 on the government affairs staff. Under Symington's leadership, the Big “I" has had numerous legislative wins, including securing substantial small business tax relief, defending a modernized state regulatory system for insurance, preserving the Federal Crop Insurance Program and National Flood Insurance Program, and extending the Terrorism Risk Insurance Act (TRIA).

Bill Wilson, CPCU, ARM, AIM, AAM is the former Assistant Executive Director and Director of Education & Technical Affairs for the Insurors of Tennessee. After an 11-year tenure at the state association, Bill joined the staff of the national Big “I” association to build their Virtual University, serving as the IIABA national Director of Education & Research. He is the author of six books and thousands of articles and has developed and presented hundreds of seminars and convention keynotes. According to former Big “I” CEO Bob Rusbuldt, “Bill Wilson is the nation’s foremost leading expert on form, coverage, and technical issues.” Among many other state and national industry awards, Bill is a member of the Tennessee Insurance Hall of Fame.

John Costello is senior vice president and construction practice member at USI Insurance.

He served as Independent Insurance Agents & Brokers of New York (IIABNY) chair of the board from 2001 to 2002 and on the IIABNY Trusted Choice committee. At the national level, he served on the IIABA Trusted Choice board of directors and Professional Liability Committee. Costello has served as the New York national director, IIABA Finance Committee chair and was the IIABA Executive Chairman for 2023. He is a member of the Society of Certified Insurance Counselors and past president of the board of directors of Sunset House, a home for the terminally ill.

Charles Symington is the new President and CEO of the Independent Insurance Agents & Brokers of America (the Big “I"), effective Sept.

1. Joining the Big “I" nearly 20 years ago, Symington previously served as senior vice president for external, industry and government affairs. Last September, he was promoted to executive vice president and selected to succeed the retiring Bob Rusbuldt as president &

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The right products and programs to help you compete.

Talk to your territory manager or find one at LibertyMutualGroup.com/Business and Safeco.com/agent-resources © 2021 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116

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Visit These Convention Exhibitors

Agents Alliance Services AmTrust AmWins Group, Inc. Applied Systems, Inc.

Main Street America Insurance Martin & Zerfoss, Inc. Mountain Life Insurance Company National General, an Allstate company

Arlington/Roe Associated Insurance Administrators Bailey Special Risks, Inc. BBSi Berkley Southeast Insurance Group Berkshire Hathaway GUARD Insurance Cos. MidSouth Mutual Builders Insurance Group ClearPath Mutual Columbia Insurance Group Commercial Sector Insurance Brokers Encova Insurance Falls Lake Insurance Companies FFVA Mutual Insurance Co. Glatfelter Public Entities Governmental Risk Insurance Plans (GRIP) Grange Insurance Companies Harford Mutual Insurance Company Heartland Payroll Donegal Insurance Group Host My Calls HoundDog ICW Group Insurance Companies Imperial PFS Insurance Program Managers Group INVO Underwriting J.M. Wilson Jencap Insurance Services Inc. Liberty Mutual Insurance LUBA Workers' Comp

Nationwide Insurance Normandy Insurance Company North Point Underwriters, Inc. Novum Underwriting Partners Parrot Surety Services, LLC Penn National Insurance PLRisk Advisors Previsor Insurance Risk Placement Services RT Specialty Ryan Specialty Group Safeco Insurance Company Selective Insurance Company of America SFM Mutual Insurance Company Skyward Specialty Insurance Group Society Insurance South & Western Southern Insurance Underwriters, Inc. Southern Pioneer Insurance Southern Trust Insurance Co. State Auto Insurance Companies Stonetrust Workers' Compensation Summit Consulting, Inc. TAPCO Underwriters, Inc. The National Security Group Titan Digital Travelers Westfield Insurance XS Brokers Insurance Agency, Inc. Zenith Insurance Company

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Convention Throwback...

Cherish the Memories 1893-2023

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Swiss Re Corporate Solutions is proud to be the exclusively endorsed Lawyer’s Professional Liability provider for the Insurors of Tennessee. For more information or to access the program, please contact administrator Jeff Severino of Lockton Affinity at JSeverino@locktonaffinity.com or 913.652.7520.

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Insurors of Tennessee Ph 1 800 264 1898 E info@insurors.org

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Convention Throwback...

Cherish the Memories 1893-2023

The Tennessee Insuror

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Meet Maddox Insurance Agency – Huntingdon, McKenzie, Camden We present the Maddox Insurance Agency in our Small Town/ Rural Market feature article. The Maddox Agency is found between Nashville and Memphis on U.S. 70 in Huntingdon, Tennessee. In an interesting side note, prior to the development of the interstate system, U.S. 70 was one of the major East-West routes in the nation extending from the Atlantic, N.C. at the waters edge near the Cape Lookout National Seashore and ending in Globe, Arizona just 88 miles East of Phoenix. U.S. 70 was sometimes referred to as the "Broadway of America", due to its status as one of the main thoroughfares in the nation at the time. Today, it still connects vibrant communities across America.

Mrs. Maddox worked in the cafeteria of a local school and her husband was an area attorney. Sadly, Mr. Maddox suffered a sudden cardiac arrest far too early in life and passed away. Mrs. Maddox needed to do something different to support her children and raise her family. Out of those circumstances, she started the Maddox Agency initially working out of the family home. In time, she moved the agency into an office location. She continued to serve as principal in the agency for many years.

Huntingdon is in Carroll County and is the county seat.

The town has a population of 4,439 as per the 2020 census.

Huntingdon celebrates a rich history and has a lot to offer to its residents and visitors alike. The town is home to what is now called The Dixie, which is one of the region’s great music and arts venues offering music and theatrical shows, art galleries, educational opportunities and so much more. To provide a bit of context about The Dixie, plans for The Dixie Carter Performing Arts and Academic Enrichment Center were unveiled in December of 1999.

The center was developed on the Court Square in Huntingdon and named in honor of the area’s most famous resident, actor Dixie Carter from nearby McClemoresville. Today, The Dixie is also home to the Hal Holbrook Theatre which is a 470-seat venue that has hosted a wide range of famous artists from around the country. The Dixie is also home to the Dixie Carter Museum and the Hal Holbrook Museum.

Her son Web Maddox took over the operation of the agency in 1975 and became a partner in 1983. Web became the sole owner of Maddox Insurance in 1992.

He then became President of Maddox Insurance, LLC until his death in 2016. Web Maddox was dedicated to serving his clients and saw helping clients with their insurance and risk management not just as a job but as his mission. He was devoted to his family and an important part of their lives, laying the foundation for the next generation of the Maddox family.

He is missed and always remembered by his family, friends, and the community.

Web Maddox was a member of Huntingdon Church of Christ.

Huntingdon has many recreational opportunities. The new Carroll County 1000 Acre Recreational Lake is a wonderful place to spend time with family and friends. The town has scenic parks that are perfect for picnics and other outdoor activities. Huntingdon’s downtown area, including the town square, is vibrant and beautiful, offering many shops, local eats, boutiques, and plenty of unique finds. The annual Heritage Festival, which combines fun, food, and music is a capstone event for the community each year.

In 1947, Maddox Insurance was established by Mrs. Maynard Maddox at a time when it was atypical for a young woman to start any business much less an insurance agency. Her story is one of perseverance. Prior to founding the agency, 18

Andrew Maddox, son of Web, is now the third generation of his family to own and manage the agency. It should be noted that in today’s insurance industry there are not that many family-owned agencies that make it to the third generation.

Maddox Insurance is now in its seventy-sixth year of doing business as a family-owned agency and is to be commended for its resilience and perseverance as it adapted and developed to continue serving clients and the community.

Today, Andrew is the President of Maddox Insurance, LLC. Andrew started his insurance career with the agency in 2009 shortly after graduating from Bethel University where he earned a Bachelor of Business Administration degree with a concentration in management. His education prepared him well for the next chapter of his life.

The Maddox Agency offers clients a broad array of insurance products for businesses and families including life and health insurance. The agency expanded its market footprint to include offices in McKenzie and Camden. A consistent element of the Maddox Insurance agency’s success is its clear focus on delivering exemplary service and support to clients.

Continued on page 38 The Tennessee Insuror

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The Tennessee Insuror

From Your President Matt Swallows

presented by

Ready... On Three...Break!!!

It is football time in Tennessee! These few words spoken by John Ward during his radio broadcast are iconic in this state and will be forever tied to the beloved radio sports announcer of the University of Tennessee football games.

Across the state and the nation, football brings people together in unique and surprising ways. Whether you are supporting your alma mater, rooting for your favorite team, or just enjoying the sport in general, football brings a lot of enjoyment to people on a Fall afternoon.

For those of you who don’t know and that may very well be most of our members, I played football in high school and college starting at Livingston Academy, as a walk on at Vanderbilt for a short time, and then at Tennessee Tech University for many of my playing days. While I was a good athlete and our teams were successful, please be clear, there were no NFL teams calling me on draft day. Nevertheless, the things I took away from football helped me grow and develop in business and in life.

So, what did I learn? I learned the importance of discipline and focus and that there are no shortcuts to being successful. You must learn the playbook, study

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the tendencies of the opposition, and understand your team’s game plan to be successful. Success is found in preparation, sweating the details, and executing to the best of your ability. It is about always improving and getting better at the craft of your position whether you’re the quarterback, wide receiver, or safety. I also learned the importance of being on a team and how powerful a team can be when everyone is working together, giving their best and actively pursuing the same goal. I learned it’s about doing what you say you’re going to do and having your team members back when the going gets tough.

Most importantly, I learned it is about the lasting relationships with players, coaches and team managers forged on the football field on the days and nights of football in the South.

The reality is that football, baseball, soccer, basketball, volleyball or just about any team sport can create the same dynamic just described. Being in a marching band, playing in an orchestra, singing in a chorus also creates the same attributes of being on a team working together in common purpose. Sports and other competitive groups truly can be a metaphor for life. You don’t have to be an athlete or musician to experience the power of being part of a strong

team. No doubt, if you’re reading this article, you are part of a successful team at your independent insurance agency, brokerage, or insurance company. As an Insurors of Tennessee member, associate member, or valued partner, you are part of a historic and talented team that has been working collectively through generations for over 130 years to serve our industry.

As I approach the end of my term as President of this association, I have come to fully appreciate the exceptional teamwork that must happen to ensure that the Insurors of Tennessee continues to be the preeminent insurance association in this state and a recognized leader at the national level.

So many of the elements of “team” are what has made and continues to make this organization a success. From the Insurors of Tennessee Staff to the Board of Directors and most certainly our Partners, critical elements of teamwork are at the core of who we are as an association. Teamwork and the active participation of all team members is the engine that drives our success. I look forward to seeing you all at InsureFest.

Ready… on three… break!!! u

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Aviation | Bonds | Cannabis | Casualty | Commercial Agribusiness | Farm 22 The Tennessee Insuror Healthcare & Human Services | Personal Lines | Professional Liability | Property | Transportation | Workers’ Compensation

Your Big "I" Insurors of Tennessee Recognized at Annual Big ‘I’ Fall Leadership Conference By Jake Smith The Insurors of Tennessee was recognized for a 4th consecutive year with the Big ‘I’ Excellence in Education Award.

This award was received by conference attendees Kym Clevenger; PresidentElect, Teresa Durham; Insurance & Education Director, and CEO Ron Travis. “I think the biggest factor with us winning this award in 2023 was our ability to install and operate state-of-the-art audio and video equipment to enhance our education classes. This allowed us the opportunity to offer education classes both in-person and through high-quality online broadcasts to our members in Tennessee and insurance professionals across the country,” says Durham, “We also took the opportunity to engage with students in the Risk Management program at Middle Tennessee State University to showcase the independent insurance landscape through job fairs and connections that open doors for these young aspiring insurance professionals.”

“We are so proud of the work that Teresa is doing in our education department here at the Insurors of Tennessee, she has taken a huge step in establishing a standard of excellence that is consistently recognized by our national association,” says Travis. “The feedback that we receive from our education class attendees is proof of the work that Teresa and our staff is doing within our educa-

tion department. This award would not be possible without the support of our members attending our variety of CE classes.”

On Saturday, September 9th, Insurors member and Past President Lou Moran III of Inter-Agency Insurance Services was installed as the Vice Chair for the Executive Committee of the Independent Insurance Agents & Brokers of America – the Big ‘I’. Leading into his appointment as Vice Chair, Lou became the first agent from the state of Tennessee to serve on the Big ‘I’ executive committee. Lou joined by vote in September of 2019 at the Fall Leadership Conference in Savannah, Georgia.

Lou will serve 1 year as Vice Chair before moving up to President-elect in 2024; from there Lou will have the honor of serving as the Big ‘I’ Executive Chairman for 2025. Upon his outlook at his future service, Lou is excited at what's to come, “I look forward to seeing Charles Symington grow in his new role as Big ‘I’ CEO and President. I also am looking forward to see the Big ‘I’ Executive Committee pivot to a new agenda in order to push the association forward. The association has a special place in my heart, Chuck Bidek was like a second dad to me. Chuck helped me get licensed and get involved,” says Moran. “I want to

make the Tennessee association proud and make the members proud. I want to see the benefit of our state association through this service on the national level.”

The Big ‘I’ Fall Leadership Conference is located in the home state of the incoming Executive Chairman. Nashville will be the host city for the conference in 2025 and Lou expects a level of southern hospitality for our contemporaries that will attend from across the country.

“I want this to be a celebration of Tennessee, not me. This is our opportunity to show the country how special the state of Tennessee is,” says Moran.

Upon his recent years serving on the Executive Committee Lou states: “The past chairs have done a great job of mentoring me as I prepare to lead. It is all about looking at what is best for the association going forward. The Big ‘I’ plays a vital role in government affairs and legal advocacy for us and our members. They are looking at our best interests when it comes to carrier relationships and helping grasp opportunities to advance the abilities of independent agents. I encourage everyone to dig deeper into the many services and programs that the Big I offers – all of which are listed on their website www.independentagent.com.” u

Lou Moran III with the Big I Executive Committee

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The Tennessee Insuror

From Your CEO Ron Travis

presented by

Kicking Off the 130th Annual Conference Congratulations to members, associate members, and partners as we celebrate our 130th anniversary as an association.

Thank you to board members, former board members and leadership over the past 130 years who built this association, ensured that it navigated countless challenges, and strongly positioned our association for the future. As we kick-off the 130th Insurors of Tennessee Annual Conference, this year we should be proud of our heritage, who we are, and what we have accomplished for our membership and the insurance industry in our state. Never growing complacent, we will chart our course forward at the annual conference, learn from an exceptional slate of speakers, and enjoy the fellowship the event always provides.

After all, it is the relationships we form and foster that is the sinew that keeps our association healthy and productive.

We look forward to seeing you and celebrating our shared success during the conference in Knoxville.

Your association has been busy on many fronts in 2023 working to improve and enhance our association to ensure we are able to meet the needs of members and associate members of this organization. At a time when the insurance industry is rapidly evolving, we are always seeking to adapt to provide members and the industry at large with the support and action needed for continued success. Associations do not live to be 130 years old without having the ability to meet the moment.

We continue to work to advance our profession and industry at the state and national level during the year through

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our advocacy work in Tennessee and in Washington. In fact, we just returned a few weeks ago from attending the 2023 Big “I” Fall Conference held in Grand Rapids, Michigan on September 6-10, 2023. The following members of the Insurors of Tennessee were also part of our contingent attending the event: Jake Smith, Director of Operations Teresa Durham, Insurance & Education Specialist Kym Clevenger, Vice-President Region III & President Elect John Brock, Young Agents President Lou Moran, III, Past President, Past State National Director and Vice-Chair of the Big "I" Executive Committee The conference was productive and impactful, providing us with the opportunity to learn about a range of topics on issues of importance to us all. We also had the opportunity to spend some time with Charles Symington our new Big “I” national President and Chief Executive Officer. While Charles has been a part of the Big “I” leadership team for many years, we wish him well as embarks upon his new role leading the association in Washington, D.C. At the conference, the Insurors of Tennessee was recognized for its education efforts winning the Big “I” Excellence in Education Award for the fourth consecutive year. Teresa Durham leads the education efforts for our association. We are proud of her accomplishments in helping to grow and develop the education and professional development opportunities available to Tennessee independent insurance agents.

In a first for Tennessee, one of our own has ascended to the position of ViceChair of the Executive Committee of the Big “I” at the national level. Simply put, this is a big deal. Lou Moran, III will be the first member of this association elected to serve in this lofty position within the “Big I” national organization. He will be working with the Executive Committee and national leadership team to guide and lead the association in 2024. Lou has been serving the members of our association in many capacities over the years, giving his time and talent to the significant benefit of our industry. We are very pleased about Lou’s election to his new post and know he will be a strong contributor to the work of the Executive Committee next year and beyond.

I encourage you to read more about the “Big I” Fall conference in a separate and more detailed article written

by Jake Smith in this issue of the Tennessee Insuror magazine. Jake provides more information about the Excellence in Education Award, Lou Moran, III’s appointment and the Young Agent’s Leadership component of the conference. Be sure to give it a read!

Finally, depending on when you read this article, if you have not already registered for our annual convention also known as InsurFest 2023 being held on October 21-24, 2023, please do so as soon as possible. Join us for a great conference and enjoy all Knoxville has to offer. We look forward to seeing you! u

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Tennessee Young Agents '22 Young Agent Focus

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Young Agents of Insurors Enjoy Annual Big “I” Young Agents Leadership Institute

By Jake Smith, Director of Operations and John Brock, YA President The Independent Insurance Agents and Brokers of America –a.k.a. the Big “I”– held its annual Fall Leadership Conference in Grand Rapids, Michigan on September 6-10. Within the week-long national conference, the Big “I” segments a portion of the program specifically for Young Agents.

This year, Young Agent Director John Brock and Director of Operations Jake Smith journeyed north to connect and learn with fellow Young Agents from across the country. The Young Agents Leadership Institute spanned across three days and supplied engaging speakers and opportunities for attendees to take back to their home states.

Friday was the main day of content for the national conference, starting with a dynamic panel of agents that spoke about the challenges, opportunities, and successes of working in a world where many different generations are present. Today we see 5 generations that are actively contributing to the workforce in many industries but especially in the independent insurance industry: Traditionals, Baby Boomers, Generation X, Millennials, and now Generation Z. The panel of agents provided unique insights on the working dynamics of the various generations within their agency. Each generation holds its own general view towards company loyalty, problem solving, technology, and workplace culture. We learned several techniques and practices on how to navigate these nuances to succeed with your staff regardless of the generational differences.

Shortly following the panel, the keynote speaker for the Young Agents Leadership Institute was Robyn Benincasa delivering her presentation called Why Winners Win. Robyn has a unique backstory as a firefighter turned endurance athlete turned adventure racer. Many of the attendees had not ever heard of the sport called ‘adventure racing’ but Robyn was creatively able to share its origin and how her foray into this sport developed an expert understand of winning culture and success within a team environment. Adventure Racing is an outdoors endurance sport where teams are dropped off into the deep wilderness and given a set of supplies and a map to find their way to the finish line. Some races can take 26

up to over a week with teams setting their own strategies as they navigate terrain, weather, elevation, and wildlife!

The main message of Robyn was ultimately driven by her experiences working within a team to compete in the sport of adventure racing. Aside from the incredibly inspiring feats that she accomplished, one key takeaway from the presentation is that “success is the determined by your response to change and challenges.” Each of us face new challenges and changing situations on a regular basis. We must strive to find the best possible response within ourselves and our team in order to achieve success.

After learning some winning strategies from Robyn Benincasa, the Young Agents were treated to a networking lunch where we had more opportunities to connect with our counterparts from other states. Each state has its own Young Agents program with varying levels of engagement and participation. Getting to know each other was incredibly beneficial as we now have more contacts across the country to keep the conversation alive throughout the calendar year.

Shortly after our networking lunch, another guest speaker was on the docket for the Young Agents. Kelly Donahue-Piro from Agency Performance Partners delivered a presentation called ‘How to Become a Hard Market Hero.’ Kelly has consulted with over 1,000 agencies in the US and Canada and was able to provide extensive knowledge for agents about working with clients in the current hard market.

Concluding the on-stage content for the day was another insightful panel discussion from agency principals on the topic of ‘Tackling Hard Conversations.’ Each member of the panel was an agency owner who oversees their agency staff. As Young Agents aspire to become agency leaders, this discussion allowed for unique perspectives and stories of success and failure when it comes to the difficult conversations that must take place with staff. Ultimately, each member of the panel used personal experiences as well as helpful mentorship to craft their managerial acumen to lead their agency.

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YA Following the speakers and panels, another opportunity for the Young Agent attendees to connect was offered with a fun bingostyle icebreaker game that kept the session light and active. Shortly after more networking, the Big ‘I’ Young Agent Awards were presented to the state committees that are excelling with their respective Young Agent programs.

Saturday morning concluded the Young Agent Leadership Institute with a session where the Young Agent Award recipients took some time to share the variety of ways in which they were recognized for their award. Each state shared the challenges and successes of events, community service, membership development, and government affairs initiatives that have found footing within their states Young Agent community.

Not enough can be said about the depth of what was shared and learned from the Young Agent Leadership Institute. Next year the event will be held in Indianapolis and then in 2025 it will be hosted in our very own backyard in Nashville. We want to encourage all Tennessee Young Agents to get involved with our program by attending future Young Agents events in their area as well as attend our annual convention each year. These are great ways to get plugged-in to our association. We also encourage any interested Young Agents to reach out to our Young Agent Committee with any questions, comments, requests, or inquiries as to how we can best serve your needs in your career.

For more information about Young Agents, check out our website page www.insurors.org/young-agents/ where you can read about our committee, join our LinkedIn group, and subscribe to our Young Agents Email list. u The Tennessee Insuror

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Government & Legal Update Advocacy Update: Carrier Receivership Impacts Tennessee; Big I Opposes NAIC Model Act United Home Receivership The receivership of United Home Insurance Company in Arkansas has sent ripples across state lines, impacting not only Arkansas policyholders but also Tennessee insurance agents and policyholders who may have been affiliated with the company.

This situation raises various concerns and considerations for insurance professionals and customers in both states.

Background on the Receivership: United Home Insurance Company, an Arkansas-based insurer, found itself facing financial instability, prompting the Arkansas Insurance Department to initiate receivership proceedings and the court to name Arkansas Commissioner Alan McClain as receiver. The company’s Risk Based Capital is at the Mandatory Control Level. The Department will NOT allow the company to write any new business, including for example, adding or replacing a vehicle, thereby adding additional exposure to an impaired company.

Implications for Tennessee Insurance Agents: Based in Paragould, Arkansas, United Home experienced a decline in its financial condition due to substantial weatherrelated losses, the Arkansas Department of Insurance said in a statement. The company currently writes business in Arkansas, Kentucky, Missouri, Oklahoma, and Tennessee.

Insurance agents in Tennessee who previously sold policies for United Home Insurance Company must be prepared to address inquiries and concerns from policyholders regarding the status of their policies and claims. Agents may need to assist clients in navigating the process of transferring policies to alternative carriers, as all policies will be canceled on 12/31/2023 if not replaced sooner.

Implications for Tennessee Policyholders: Tennessee policyholders who held insurance policies with United Home Insurance Company will need to be informed about the developments in the receivership process, as there may be uncertainties regarding the timing and extent of claim payments. Policyholders should reach out to the receiver's office or the Tennessee Department of Commerce and Insurance for guidance on filing claims and understanding the status of their policies. It's crucial for policyholders to explore their options, which may ultimately include seeking coverage through Tennessee's guaranty association.

The situation underscores the importance of financial stability and regulatory oversight in the insurance industry

and serves as a reminder of the need for insurance agents and policyholders to be proactive and well-informed in such challenging circumstances.

Any questions regarding United Home Insurance may also be directed to the following: -Contact the Deputy Receiver at 501-371-2776 or michael. surguine@arkansas.gov -Contact United Home Insurance Company at 800-467-0723 -Contact the Arkansas Insurance Department at 800-2829134 or 501-371-2600 -As always, feel free to reach out to us at Insurors of Tennessee.

Privacy Protections Model Law Faces Industry Opposition The Big I has expressed strong concerns and opposition to the National Association of Insurance Commissioners’ (NAIC) proposed Insurance Consumer Privacy Protections Model Law (Version 1.2). The letter, addressed to Chair Katie Johnson of the Privacy Protections Working Group at the NAIC, highlights a series of concerns regarding the latest draft of the proposed privacy law. The current draft would significantly restrict how and when data may be used and retained by licensees, impose unrealistic marketing restrictions, force small licensees to unreasonably police third-party service providers, and create other burdensome and unprecedented requirements, the letter read.

Furthermore, the letter suggests that the new proposal would dramatically reshape privacy laws, targeting the insurance industry in a way that creates mandates more onerous and restrictive than those applicable to other industries. The IIABA argues that such a proposal could have unwarranted negative effects on the industry, hinder its ability to serve consumers, and particularly burden small licensees and independent agents.

Legislative Conflicts and Constitutional Implications The letter highlights that the proposed draft conflicts with comprehensive privacy measures already enacted by thirteen states, representing over 41% of the country's population.

This legislative activity, suggesting the proposal may be out of touch with the current perspective of many state policy makers.

Finally, the Big I raises constitutional concerns, particularly regarding First Amendment protections. Recent Supreme Court decisions have expanded the protection of commercial speech, which could affect the proposed restrictions on the 31

Government & Legal Update use and sharing of information. The IIABA suggests that these restrictions may need to withstand a higher level of scrutiny and could potentially be found unconstitutional.

The Way Forward Ultimately, the Big I calls for a reconsideration of the proposed legislation, urging regulators to focus on addressing marketplace problems and regulatory gaps instead of completely overhauling the existing privacy framework. They propose exploring alternative approaches and identifying reasonable objectives that align with the industry's needs and concerns.

General Assembly Special Session Concludes The special legislative session in Tennessee, convened on August 21st in the aftermath of a tragic school shooting at the Covenant School, concluded on a contentious note with limited action on gun-related reforms. Despite the heightened emotions and calls for substantial changes to the state's gun laws, the Republican supermajority in the General Assembly showed reluctance to enact gun reform measures.

Despite the session's challenges and divisiveness, Governor

Bill Lee expressed hope and encouraged progress, though he did not specify his plans for future gun reform proposals. The session highlighted the difficult conversations that lie ahead in Tennessee, as stakeholders seek solutions to address gun violence while navigating a politically polarized environment.

Insurors was on-hand to monitor the legislative activity.

Ultimately, no bills impacting the insurance industry were seriously considered.

The General Assembly will reconvene for Regular Session at noon on Tuesday, January 9, 2024.

About the Author—Trey Moore is the government and legal consultant for Insurors. He operates Trey Moore Consulting in Nashville and formerly served as senior public policy counsel for one of Nashville’s largest law firms. Trey has over a decade of experience in representing clients before the Tennessee General Assembly and state government. u

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Association Update Rains/Sunbetl Now SBK Insurance Rains Insurance Agency of Cookeville and Sunbelt Insurance were recently renamed and rebranded to SBK Insurance. In fact, the former Rains Insurance Agency just had a ribbon cutting in Cookeville officially recognizing the new name.

The former Rains Agency and Sunbelt Insurance will continue to be a subsidiary of SmartBank, bringing the agency greater strength, better market reach, and more carrier expansion opportunities for the overall organization. The senior management team of SBK Insurance includes: (pictured left to right above) Mark Slater, CEO Jessica Parrott, President Carolyn Kell, Regional President–Chattanooga Ed Lambert, TRS, Transportation Sales Manager The leadership team that has been an integral part of the growth and success of the organization remains the same and they have the same great team of insurance professionals to deliver the same excellent service to clients across the organization. The new name of the organization better reflects the organization going into the future.

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The rebranding initiative includes a new logo, website, and marketing collateral that feature the SBK Insurance name and brand identity. The company’s email addresses and contact information will also be updated to reflect the new name.

“Our rebranding is more than just a new name,” said Jessica Parrott, SBK Insurance President. “While our name may have changed, our commitment to clients remains the same and we will continue to provide them with excellent service and unwavering dedication. We are proud of our legacy, but we’re even more excited about our future as SBK Insurance and the opportunities it brings for our team and our clients.” SBK Insurance looks forward to serving clients across its service across the region.

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1/11/23 6:42 PM

Association Update continued FSB Insurance Acquires Claiborne & Taylor Insurance FSB Insurance in Jackson, TN recently announced its acquisition of the Claiborne & Taylor Insurance agency in Murfreesboro, Tennessee. The agency nicely complements FSB’s Middle Tennessee footprint relative to the company’s strategy of intelligent strategic growth. Perhaps more importantly, the staff at Claiborne & Taylor Insurance share FSB’s values and commitment to provide clients with smart insurance and risk management solutions supported by exceptional service. FSB now has four West Tennessee locations and two in Middle Tennessee. FSB is part of Sunstar Insurance Group based in Memphis, Tennessee further extending the capabilities of our organization.

Oakbridge Acquires Cole Agency in Georgia Oakbridge Insurance Agency LLC said Thursday it has acquired Cole Agency Inc. Montezuma, Georgia-based Cole specializes in poultry insurance and the agribusiness sector, from site prep and construction to equipment, vehicle and general liability, an Oakbridge statement said. Cole, which

lists 13 employees on its website, will maintain its office in Montezuma, the statement said.

BTJ Insurance Agency Makes Acquisitions BTJ Insurance Agency, headquartered in Nashville, TN, and with five other locations across the state, is excited to announce the acquisition of two agencies: MJC Insurance Group and Chandler Insurance Agency. BTJ Insurance Agency has been an affiliate of nationwide insurance broker, Leavitt Group, since 2021. These acquisitions will offer current and future clients additional resources and benefits that were previously unavailable.

Chandler Insurance Agency was most recently under the leadership of Parks Chandler. Pete Chandler, Parks’ father, started Chandler Insurance Agency in 1970; since then, the agency has worked to provide clients with high-quality service and insurance. “We’ve been looking for the right fit to help us move to a more modern approach without losing the personal hometown touch that our clients have grown so accustomed to over the years,” said Parks Chandler. “We’re excited to provide new and competitive options in this fastchanging world.” u

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Continued from page 18– Meet Maddox Insurance Agency – Huntingdon, McKenzie, Camden One of the key strengths of the agency is their experienced and knowledgeable staff who work to help clients navigate the complex world of insurance every day. To further extend their product offering, capabilities and market reach, the agency is a member of the Keystone network of agencies. The agency is strongly positioned to serve the insurance and risk management needs of the region and beyond going forward.

Andrew and his wife Meagen were married in 2009 shortly after he graduated from college. Meagen graduated from U.T. Martin with a Bachelor of Science degree and continued on to earn her Master of Science Degree in Physician Assistant Studies from Bethel University. She fulfilled her goal of becoming a board certified and licensed Physician’s Assistant. She practiced at the Evans Clinic taking care of patients and then took a break after the birth of their third child. Earlier this year Meagen started a new practice in Huntingdon called Beauty Sense Med Spa. She and Andrew are excited about this new opportunity to serve the needs of people across West Tennessee.

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Andrew also serves the community as a town council member and is now in his second term.

As a council member he serves his constituents by listening to their needs and issues to develop prudent solutions to meet the needs of those constituents. He also offers input and guidance on town business, governance, planning and oversight of the departments involved in running the town. Andrew enjoys serving his community as council member, helping to shape the future of the town where he was born and raised.

Andrew and Meagen have three wonderful children including two sons, Bryce age 11, Grey age 9, and daughter Elyza age 4. The children keep them busy with school events and sports activities including baseball and football. Andrew and the family are avid fans of the Tennessee Volunteers and the Tennessee Titans. In fact, they have season tickets to the Tennessee Titans and enjoy making the short drive to Nashville for home games. Andrew is also a duck hunter and a collector of sports cards continuing a family tradition started by his father. Andrew, Meagen and the children are active members of Huntingdon Church of Christ and find joy in being part of the church community. u

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Company Briefs Harford Mutual Insurance Group Announces Merger Agreement Harford Mutual Insurance Group (“Harford Mutual”), a Ward’s 50® top performing commercial property and casualty insurance company headquartered in Maryland, today announced that it has received final approval from the Maryland Insurance Administration of the Merger Agreement with ClearPath Mutual Insurance Company (“ClearPath Mutual”), a monoline workers’ compensation carrier headquartered in Louisville, Kentucky. Under the terms of the Merger Agreement, ClearPath Mutual merged into Harford Mutual Insurance Group and converted to a stock insurer. Post-merger it will be renamed Clearpath Insurance Company marketed as “Clearpath Specialty”. All policyholders of ClearPath Mutual will obtain membership rights in Harford Mutual as policyholders of the newly formed Clearpath Specialty. The merger is effective August 4, 2023.

“This is an exciting step forward in Harford Mutual’s nearly 181-year-old history,” said Steve Linkous, President & CEO of Harford Mutual. “There is a natural synergy between Harford Mutual and Clearpath. Both companies share similar values and missions, and this merger helps both companies achieve their strategic goals of continued state expansion and accelerated growth.”

Linkous added, “We are thrilled to welcome the Clearpath team, agency partners, and policyholders to Harford Mutual and to partner with a successful carrier to broaden our workers’ compensation line and deliver our shared vision of being a regional carrier of choice.”

tual’s Board of Directors will remain intact for two years, with Linkous joining the board as a director. ClearPath Mutual board chair, Sean Garber, will remain on Clearpath Specialty’s board as chair and will join Harford Mutual’s Board of Directors.

“We look forward to joining the talented Harford Mutual team,” said Borkowski. “This merger was a strategic decision for ClearPath Mutual. It unites two purpose-led organizations and allows us to leverage Harford Mutual’s expertise, systems, and successful track record in the multi-line carrier field. We recognized that together we could provide the enhanced service and opportunities to our policyholders, agency partners, employees, and community partners and support ClearPath’s continued growth.”

Penn National Partners with Sapiens to Optimize Reinsurance Process Sapiens International Corporation, a leading global provider of software solutions for the insurance industry, announced today that Penn National Insurance, a super-regional P&C mutual insurance company, has selected Sapiens ReinsurancePro solution as a part of its multiyear legacy modernization and automation initiative. Penn National Insurance will also use Sapiens cloud services for a seamless and secure hosting experience.

ClearPath Mutual, formerly KESA of Kentucky for over 40 years, was formed in 2018 and currently provides monoline workers’ compensation coverage in Indiana, Kentucky, Georgia, Tennessee, and West Virginia. ClearPath Mutual writes over $52 million in direct written premium across nearly 7,000 policies.

Penn National Insurance needed a next-generation solution to improve efficiencies in several divisions, most notably its reinsurance administration, and respond more quickly to reinsurance opportunities. Their decision to choose Sapiens' cloud reinsurance system was prompted by its outstanding functionality, 24/7 platform access, and Sapiens' cloud services. ReinsurancePro also enables Penn National Insurance to automate reinsurance contract requirements from an infrastructure and planned cost perspective. Penn National Insurance is an existing Sapiens customer and uses the StatementPro annual statement filing solution. Their ReinsurancePro implementation is expected to be completed by January 2024.

As part of the Merger Agreement, which was approved by the boards of directors and policyholders of both companies, ClearPath Mutual’s current home office in Louisville will remain in place and serve as Harford Mutual’s Midwest Office.

Harford Mutual will retain all ClearPath Mutual employees and plans to merge efficiencies. The newly formed Clearpath Specialty has re-domesticated to Maryland.

"Implementing Sapiens ReinsurancePro will help us modernize our reinsurance processes and better manage the increasing volume and complexity of future transactions," said Jacquelyn Anderson, Penn National Insurance Senior Vice President, CFO and Treasurer. "The solution will also help us respond quickly to new reinsurance structures within a competitive cost structure."

Under the terms of the agreement, ClearPath Mutual’s current President & CEO, Jeff Borkowski, will become a vice president of Harford Mutual and remain President of Clearpath Specialty with Steve Linkous becoming CEO. ClearPath Mu-

"A simplified and streamlined reinsurance administration platform will help strengthen Penn National Insurance's long-term financial performance," said Jamie Yoder, Sapiens North America President and General Manager. "Sapiens looks

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Company Briefs continued forward to providing Penn National Insurance with the tools to build on their recent industry gains and pursue their goals."

Created and designed exclusively for the reinsurance market by some of the industry's leading experts, Sapiens ReinsurancePro manages the entire range of reinsurance contracts and activities for all lines of business. Built-in automation of contracts, calculations, and processes provides flexible and full financial control of reinsurance processes, including auditing requirements and statutory compliance. More than 100 insurers worldwide use Sapiens' reinsurance solutions.

Acuity Insurance Honors Truck Drivers Acuity Insurance honored truck drivers during National Truck Driver Appreciation Week with a special message of thanks. Employees who have a truck driver in their lives wrote letters of appreciation, then surprised the truck driver with a meeting that was captured in video.

National Truck Driver Appreciation Week, celebrated this year from September 10-16, is an annual, nationwide celebration recognizing and honoring the vital contributions of truck drivers to everyone’s daily lives and the economy. Acuity also commemorated the week with special contributions to the St. Christopher Truckers Relief Fund and the Women in Trucking (WIT) Foundation.

“Thank you, Acuity Insurance, for once again recognizing and supporting our hard-working highway heroes during Truck Driver Appreciation with a donation to the St. Christopher Truckers Relief Fund. Your continued generosity and support of drivers through SCF provides help and hope when drivers need it most. We are proud to partner with such an amazing company,” said Shannon Currier, Director of Philanthropy.

“The WIT Foundation is powered by donors like Acuity who help us fund scholarships that change lives. The scholarship program breaks down barriers, facilitates opportunities for women in the male-dominated trucking industry, and allows women to overcome financial barriers to access education and training programs, empowering them to pursue successful careers in trucking,” said Christina McCoy, WIT Foundation Executive Director.

Forbes Ranks BlueCross as Top Tennessee Employer BlueCross BlueShield of Tennessee has once again been named the No. 1 employer in Tennessee by Forbes in their 2023 list of America’s Best-in-State Employers.

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“We’re honored to be named Tennessee’s number one employer for the second straight year and to have our efforts recognized nationally,” said Roy Vaughn, SVP and chief human resources officer. “Every employee at BlueCross contributes to our mission and success – and to creating our strong culture. We’re a great place to work because we have incredible people.”

The Best Employers by State survey considered several dimensions of an employee’s experience including potential for growth, diversity, openness to remote work and salary.

Of the thousands of companies eligible for this recognition, only a select few are awarded in each state.

The list is divided into 51 rankings, one for each of the 50 states, plus the District of Columbia. It was compiled by surveying 70,000 U.S. employees across 25 industry sectors working for businesses with at least 500 employees.

The final list ranked the 1,392 employers that received the most recommendations.

BlueCross has earned recognition on several fronts in 2023, including placements on Forbes’ Best Employers for Women, Best Employers for Diversity, and Best Large Employers lists. The company has also been recognized as one of Disability:IN’s Best Places to Work for Disability Inclusion.

ICW Group Named to Ward’s 50 Top Performing Property & Casualty Insurance Companies for 2023 Company Earns Ninth Consecutive Recognition for Superior Results in Safety, Consistency and Financial Performance ICW Group Insurance Companies, a leading group of property and casualty carriers, has been named a Ward’s 50 top performing P&C company for 2023. This marks the ninth consecutive year and 17th time overall the multi-line insurance company has received this prestigious award. Nearly 2,900 property-casualty insurance companies domiciled in the United States are analyzed each year to identify the industry’s top performers.

Only companies that can pass financial stability requirements and demonstrate the ability to grow while maintaining strong capital positions and underwriting results achieve this recognition. ICW Group has continued to deliver superior results compared to the overall industry in safety, consistency, and financial performance over the last five years.

The Tennessee Insuror

Company Briefs Continued

Things go sideways.

KNOW YOU’RE COVERED.

Sometimes things at work are unexpected. No matter what happens, LUBA is here to help get things back to normal.

Find out more at www.LUBAwc.com/sideways 888-884-5822 | Rated A- Excellent by

43

HOME BUSINESS INSURANCE

DO YOU HAVE A CLIENT WHO RUNS A SMALL BUSINESS FROM HOME? WILL THEIR HOMEOWNERS INSURANCE PROVIDE COVERAGE WHEN…

PROTECTION FOR HOME-BASED BUSINESSES!

• Business equipment is stolen out of their vehicle? . . . . . . . . . . . NO! • They accidentally knock over the display next to them at an exhibition or show? . . . . NO! • Groceries spill onto inventory in the trunk of their car?. . . . . . . . . . . . NO! • A power surge damages their computer and fax machine? . . . . . . . . . . . . NO! • Someone steals their cash box?

. . . . . . NO!

Your customers are not home free with most homeowners policies. What would happen if your client had inventory damaged or stolen? Typical homeowners insurance does not cover those losses for people if they run a small business out of their home.

We are pleased to offer the perfect coverage for your inhome business: RLI’s Home Business Insurance policy.

Features: • Liability limits up to $1 million • Satisfies most event or show liability requirements • Business property protection up to $100,000 (with $250 deductible) • Optional Coverages Include: Money & Securities, Garagekeepers, Unmanned Aircraft (state restrictions apply)

Most homeowners and renters policies do not cover liability or damage to property from business activities.

• Electronic data processing coverage (optional in CA & FL) Policies are underwritten by RLI Insurance Company *Premiums start at $150 for $300,000 liability and $5,000 business personal property in the lowest rated class in the lowest rated territory. Actual price may be higher depending on your individual characteristics and coverages that you select. Not all businesses will qualify for coverage.

FO R M O R E IN F O R M AT I O N : Contact Stephen Holmes P: 615.515.2609 E: sholmes@insurors.org 44

• Loss of income coverage • Premiums starting as low as $150 annually*

Rated A+ (Superior) by AM Best Rated A (Strong) by Standard & Poor’s R L I C O R P. C O M

9025 N. Lindbergh Dr. • Peoria, IL 61615 © RLI CORP. • HBI-MK503 AGT (04/21)

The Tennessee Insuror

Company Briefs continued “On behalf of our national workforce, I am extremely proud that ICW Group has once again received this coveted award,” said John Novak, the company’s President, and Chief Operating Officer. “While we continue our strategic growth initiatives, including the addition of new product offerings for our customers, this recognition confirms ICW Group’s ability to successfully execute our expansion plans in a fiscally responsible manner. We wouldn’t be in this leadership position without the unwavering commitment of our team members along with the valuable partnerships we’ve built with our independent agent and brokers.”

In selecting the Ward’s 50 top performers, AON and Ward Benchmarking, leaders in benchmarking and professional services, identify companies that delver higher performance than their peers in such areas as return on equity, net premium and surplus growth, and lower expense to net premium ratios.

Selective Insurance Earns Fourth Consecutive Great Place to Work Cerification Selective Insurance, a leading business, home, and auto in-

surer, is proud to be Certified™ by Great Place To Work® for the fourth consecutive year. This prestigious award is based entirely on current employees' responses about their experience at Selective. This year, 87% of employees said it's a great place to work – up 2 points from 2022 and 30 points higher than the average U.S. company.

"Selective's employees are the backbone of our relationship-driven culture, and their contributions drive our achievements," said Cyndi Bennett, Executive Vice President, Chief Human Resources Officer at Selective Insurance.

"We are delighted they continue to say Selective is a Great Place to Work. This recertification validates our engaging workplace where employees feel empowered to contribute their unique perspectives, skills, and experiences to our shared success."

"Great Place To Work Certification is a highly coveted achievement that requires consistent and intentional dedication to the overall employee experience," said Sarah Lewis-Kulin, Vice President of Global Recognition at Great Place To Work. "Great Place To Work is the global authority on workplace culture, employee experience, and the leadership

AGENTS OF

Solidarity

We’re with you every step of the way Behind every Progressive agent is the support of more than 50,000 Progressive employees. It’s our mission to make sure you have the tools and resources you need to succeed.

From caring field sales reps to dedicated agent service teams, we’re ready to help you grow. Plus, we supplement your counsel and guidance with aroundthe-clock claims and customer service via our mobile app and online servicing.

Whether it’s sales, service, claims or anything in between, you’ve got a partner every step of the way.

TO LEARN MORE Search for us online at Agents of Progressive, Progressive Connect, or Progressive Appointment.

The Tennessee Insuror

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TOP FIVE REASONS AGENTS LOVE

WORKING WITH US! 1 2 Acuity has a 20year track record of beating the industry by more than double the growth and a full eight points on the combined ratio.

Unparalleled Financial Strength RATED #1 COMPANY FOR

World-Class Claims Service

3

Responsive and RelationshipBased Underwriting

4

Stable and Consistent Market

WORK-LIFE

BALANCE DURING COVID-19

Consistently recognized as one of the best places to work in the nation.

5 Impeccable Culture

SELL ACUITY!

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The Tennessee Insuror

Company Briefs continued behaviors proven to deliver market-leading revenue, employee retention, and increased innovation. According to Great Place To Work research, job seekers are 4.5 times more likely to find a great boss at a Certified great workplace. Additionally, employees at Certified workplaces are 93% more likely to look forward to coming to work, and are twice as likely to be paid fairly, earn a fair share of the company's profits, and have a fair chance at promotion."

Lewis-Kulin emphasizes the significance of certification by Great Place To Work®, stating, "By successfully earning this recognition, it is evident that Selective Insurance stands out as one of the top companies to work for, providing a great workplace environment for its employees."

Selective doesn't just insure uniquely – it employs uniqueness and empowers it, too. We recognize that developing and protecting our human capital by fostering a vibrant, inclusive, and engaged culture positions everyone for future success. We invest significantly in employee physical, financial, and social well-being including professional development opportunities, access to senior leadership and, a Total Rewards philosophy to support employees' and their families' health, wealth, and well-being.

West Bend Mutual Insurance Company honored with two distinct awards West Bend Mutual Insurance Company was recently honored with inclusion in two lists of exemplary workplaces. First is the annual Best Places to Work in Insurance award, which recognizes employers for their outstanding performance in establishing workplaces where employees can thrive, enjoy their work, and help their companies grow. This is the fourteenth consecutive year West Bend has made the list. The second list is Fortune Magazine's Best Workplaces in Financial Services & Insurance™, which is based on an anonymous employee survey wherein respondents ranked West Bend well above the national average in the areas of leadership strength and integrity, pride in their work, opportunities for professional development, and support of work-life balance.

"While recognition as a top workplace among our peers is important, it's extremely meaningful when we're consistently honored from associate-based surveys," said Rob Jacques, president. "We are focused on creating a positive, welcoming environment, but at the heart of it, it's our associates that drive our great culture and make West Bend a special place." u

WHAT DOES RELIABILITY MEAN TO YOU?

To us, it means being there every step of the way. At Stonetrust, we value relationships and work hard to be a great partner for our agents—and that makes all the difference. Consider Stonetrust as your “first choice” for workers’ compensation coverage.

RATED AEXCELLENT

800.311.0997 | STONETRUSTINSURANCE.COM

The Tennessee Insuror

47

Education Calendar The Insurors of Tennessee offers education opportunities to member agents across a wide range of insurance specialties that satisfy individuals at many different experience levels. If you are looking to further your career, seeking a professional designation, or need to satisfy continuing education requirements, check out the variety of courses available. Additional course options and details of each class can be found online or by contacting Teresa Durham at tdurham@insurors.org or 615.515.2607.

Register for CISR & CIC at www.insurors.org under education.

Classes with (*) have option for in person or webinar event.

The below are examples of the webcast classes that are available at insurors.aben.tv. each month.

CISR 12/5 12/6 12/7

CISR Commercial Casualty I CISR Commercial Casualty I CISR Commercial Casualty I

Kingsport Knoxville Chattanooga

CIC More local classes to be announced soon in 2024 Additional courses for designation programs are offered on-demand at your own pace and as live webinars.

The National Alliance for Insurance Education & Research is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN, 37219-2417. Website: www.nasba.org. Advanced Curriculum Rating = 20 CPE Credits. For more information regarding administrative policies such as complaint and refund, please contact our offices at 800-633-2165.

Additional Courses Additional courses are available On-Demand and as Live webinars at the IIABA Virtual University *check the VU site for course offerings, CE and pricing (independentagent.com/vu) From The National Alliance (www.scic.com) Choose from the following programs CIC, CRM, CISR, CPRM, CSRM, Dynamics, RGS, MEGA, PROFOCUS, WTH, Intro, Producer School, Ethics, Flood and other.

Choose by topic, location, delivery method and/or date.

From The Institutes (ceu.com/customer/insurors-tn ) Insurors of Tennessee has partnered with CEU, powered

by The Institutes, to provide you with relevant and convenient online insurance continuing education (CE) courses.

Through our partnership with CEU, you will enjoy a 35% discount on any of CEU’s relevant, practical courses when you log in. More than 150 course topics ABEN Webcasts (insurors.aben.tv) To the right is a partial listing of upcoming webcasts. Please view the website for additional webcasts.

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ABEN Webcasts (insurors.aben.tv) Active Shooter/Workplace Violence Ins. CE: 2 $56 Contracts Agents Should Read CE :2 $56 Flood Program Overview - NFIP Then/Now CE: 3 $84 E&O - Roadmap to Pers. Auto & Umbrella Ins. - #1 CE: 3 $84 E&O - Roadmap to Pers. Auto & Umbrella Ins. - #2 CE: 3 $84 E&O - Commercial Property Coverage Gaps - #1 CE: 3 $84 E&O - Commercial Property Coverage Gaps - #2 CE: 3 $84 E&O - Roadmap to Homeowners Ins. - #1 CE: 3 $84 E&O - Roadmap to Homeowners Ins. - #2 CE: 3 $84 E&O - Homeowners Endors. & Personal IM - #1 CE: 3 $84 E&O - Homeowners Endors. & Personal IM - #2 CE: 3 $84 Directors and Officers Liability Insurance CE: 3 $84 Premium Auditing–What Every Agent Must Know CE: 2 $56 Law of Ins. Contracts & ‘Rules’ of Policy Interpret. CE: 3 $84 Torts, Negligence and Legal Liability CE: 3 $84 Commercial Prop. Underwriting & Rating: COPE CE: 3 $84 E&O Risk Mgmt: Risk Mitigation and E&O Claims CE: 3 $84 Cyber Security & Risk Management CE: 2 $56 Basics of Prop. Values & Coinsurance Conditions CE: 3 $84 Contractual Risk Transfer, Addl. Insureds & Certs.

CE: 4 $112 Insurance Accounting for Dummies and Geniuses CE: 3 $84 Cyber Insurance Deconstructed CE: 2 $56 E&O - Roadmap to Policy Analysis - #1 CE: 3 $84 E&O - Roadmap to Policy Analysis - #2 CE: 3 $84 Hot Topics in Personal Lines CE: 2 $56 Insurance Ethics, Easy to Discuss, Harder to Achieve CE: 3 $84 Ethics in the Insurance Industry CE: 3 $84 Ethics - Creating a Winning Culture in the Agency CE: 3 $84 Insurance Industry: From Regulations to Operations CE: 3 $84 Business Auto Claims That Cause Problems - UPDATE CE: 2 $56 E&O Risk Management - (several topic options) CE: 3 $84 Risk, RM and Ins.: Why Agents Are NOT Risk Managers CE: 3 $84 Those Kids and Their Cars - UPDATE CE: 2 $56 Law of Ins. Contracts & ‘Rules’ of Policy Interpretation CE: 3 $84

The Tennessee Insuror

Harford Mutual Insurance Group is a Ward’s 50® top-performing property-casualty insurance company for the second consecutive year.

2022 & 2021 We partner with independent agents to insure restaurants, contractors, mercantile, and other commercial entities.

The Tennessee Insuror

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BuildersMutual.com

THE BEST-PROTECTED JOB-SITES HAVE HARDHATS, GUARDRAILS, AND BUILDERS MUTUAL. Dedicated exclusively to construction since 1984, we understand this industry better than anyone else. We will be here for years to come to protect you, your employees, and your business.

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The Tennessee Insuror

The right fit for your clients.

The right fit for you.

Now appointing Tennessee agencies Select Tennessee work comp pool accounts welcome No premium volume commitments l emai d r o Call starte t to ge 838 952-

appo

intm

-420

@sf ents

7

mic.

com

Delivering positive, long-term results for employers.

Financial Strength Rating

A M

BEST

A- Excellent

sfmic.com The Tennessee Insuror

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Meetings- Mark Your Calendars Souther Agents Conference

Register NOW!

December 1-3, 2023

Hotel reservations are open as well!

Atlanta, GA

The Whitley

Young Agents Events

YA

Sunday - October 22 EMC Insurance is sponsoring our Young Agents Night Out at Maple Hall in downtown Knoxville. From 9:00pm – 11:00pm, we will convene for some late night bowling and fellowship at one of Knoxville’s premier entertainment spots on Gay St. Registration is required for this event. Young Agents events are a great way to connect with fellow industry associates. We encourage all qualifying agents, CSRs and company reps to attend.

Tell us what you think! Fill out the online survey. (see pg 27 or 51)

See you at the WINS breakout session Sunday, October 22 from 1:00 - 2:00 pm at Insurefest!

We will announce our newly established WINS committee for 2024 and meet to discuss the outline of roles and nominations for the committee going forward.

We’re right here to do more.

To help support both your physical and mental health while giving back to our communities is to go beyond what is expected from a health insurance company.

And that’s exactly why we do it.

© 2022 BlueCross BlueShield of Tennessee, Inc., an Independent Licensee of the Blue Cross Blue Shield Association

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BCBS004258_L2rr_2021BrandPrint_Mom&2Kids_TnInsurorMag_7.5x4.875.indd 1

The Tennessee Insuror

2/2/22 12:00 PM

Your Big "I" Charles Symington Becomes Big ‘I’ President & CEO Symington heads the association after serving as its executive vice president.

By Sue Nester Charles Symington is the new president & CEO of the Independent Insurance Agents & Brokers of America (the Big “I"), effective Sept. 1.

Joining the Big “I" nearly 20 years ago, Symington previously served as senior vice president for external, industry and government affairs. Last September, he was promoted to executive vice president and selected to succeed the retiring Bob Rusbuldt as president & CEO. “The Big 'I' is proud to have such a dedicated and experienced leader at the helm," says Big “I" chairman John Costello of USI Insurance Services in Rochester, New York. “Charles has spent many years fiercely advocating on behalf of the independent agency channel and is wellattuned to the needs of independent agents and brokers across the country.

The Big 'I' Executive Committee and Board of Directors look forward to working with Charles as he takes the Big 'I' to new heights."

Symington joined the Big “I" in 2004 on the government affairs staff. He has been regularly recognized by The Hill newspaper as a top lobbyist in Washington, D.C., and has been a key leader in many industry coalitions on Capitol Hill, advocating on issues important to Big “I" members. Under Symington's leadership, the Big “I" has had numerous legislative wins, including securing substantial small business tax relief, defending a modernized state regulatory system for insurance, preserving the Federal Crop Insurance Program and National Flood Insurance Program, and extending the Terrorism Risk Insurance Act (TRIA).

The Tennessee Insuror

“Independent insurance agents are a critical piece of our nation's economy with their tireless work serving their communities and protecting the livelihoods and property of their neighbors," Symington says. “It is an honor to continue my work at the Big 'I' on behalf of our members in my new role. As we provide resources, support and advocacy for independent agents through the challenges and opportunities ahead, I look forward to working together with the many dedicated leaders in our industry to improve and protect the independent agency channel and the many customers it serves."

Prior to joining the Big “I," Symington served as a senior counsel with the U.S. House of Representatives Committee on Financial Services from 2000-2003 where he focused on insurance issues. During that time, he was actively involved in drafting TRIA in 2002 and other significant legislation. He also worked as a majority counsel for the House Committee on Energy and Commerce, concentrating on health care policy and oversight.

Symington worked in the private sector before his time on Capitol Hill, first as an associate attorney with Drew, Eckl & Farnham in Atlanta, specializing in insurance defense litigation, and then as an attorney with the firm Matricardi & Moylan in Springfield, Virginia.

Symington graduated from the University of Virginia with a bachelor's degree in history and graduated with a Juris Doctorate from Emory University, School of Law in Atlanta. Symington is a past chairman and vice chair of the National Down Syndrome Society (NDSS) and served on the NDSS board from 2014-2022. u

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Directory of Advertisers Advertiser

Phone

Website

Page

ACUITY 920 . 458 . 9131 www.acuity.com 46 Arlington/Roe 800 . 878 . 9891 www.arlingtonroe.com 22 AutoOwners 800 . 346 . 0346 www.auto-owners.com 37 Bailey Special Risks, Inc. 800 . 768 . 7475 www.bsrins.com 36 BBSI 760 . 445 . 5909 www.bbsi.com 10 Berkley Southeast Insurance Group 615 . 932 . 5508 www.berkleysig.com 27 Berkshire Hathaway Guard Insurance Cos. 800 . 673 . 2465 x4567 www.guard.com/apply 32 BlueCross BlueShield of Tennessee 800 . 565 . 9140 www.bcbst.com 52 Builders Mutual 800 . 809 . 4859 www.buildersmutual.com 50 EMC 800 . 447 . 2295 www.emcins.com 30 FCCI 800 . 226 . 3224 www.fcci-group.com 55 Fortified 615 . 440 . 0744 www.fortifiedagencies.com 7 Harford Mutual 800 . 638 . 3669 www.harfordmutual.com 49 Imperial PFS 443 . 613 . 4820 www.ipfs.com 11 INSBANK 866 . 866 . 4268 www.insbanktn.com 2 J.M. Wilson 800 . 595 . 0063 www.jmwilson.com 35 Keystone Insurers Group 800 . 416 . 5498 www.keystoneinsgrp.com 33 Liberty Mutual/Safeco 800 . 837 . 5254 libertymutual.com | safeco.com 12 Lipscomb & Pitts | A Higginbotham Partner 901 . 335 . 0951 www.lpinsurance.com 41 LUBA Workers' Comp 888 . 884 . 5822 www.lubawc.com 43 MidSouth Mutual Insurance Company 844 . 438 . 6642 www.midsouthmutual.com 56 Mountain Empire Agency Alliance 423 . 560 . 6077 www.meaa4u.com/insurors 34 National Security Group 800 . 239 . 2358 x213 www.nationalsecuritygroup.com 38 Penn National Insurance 800 . 395 . 0518 www.pennnationalinsurance.com 20 Progressive 800 . 776 . 4737 www.progressive.com 45 RLI 615 . 515 . 2609 www.insurors.org 19 Ryan Specialty 610 . 350 . 9665 www.ryanspecialtyum.com 16 Selective Insurance 877 . 744 . 3125 www.selective.com 9 SFM 952 . 838 . 4207 www.sfmic.com 51 Stonetrust Insurance 800 . 311 . 0997 www.stonetrustinsurance.com 47 Swiss Re Lawyer's Professional Liability 630 . 213 . 9952 www.swissre.com 15 West Bend Mutual Insurance Co. 800 . 236 . 5010 www.thesilverlining.com 24

2023 CONTINUING EDUCATION REGISTER NOW AT INSURORS.ORG 54

The Tennessee Insuror

More than an account.

A relationship.

For more than 60 years, we’ve built a business based on basic principles: handle claims quickly and fairly, provide superior service and put people first. At FCCI, we help businesses thrive, manage risks and face the future with confidence.

The Tennessee Insuror PROP E RT Y

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C A S U A LT Y

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SURETY

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R IS K M A N A G E M E N T

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W O R K E R S ’ C O M P E N S AT I O N

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S E C T O R E X P E RT I S E

Workers’ Compensation InsuranCe For tHose WHo Build our Communities

MidSouth Mutual partners with wholesale entities and select retail agencies across its service footprint. The company is always seeking opportunities to grow in ways that are sustainable and mutually beneficial. + Serving clients across sixteen states with expansion into additional states planned. + Common sense underwriting, exceptional service, responsive and fair claims settlement. + A Exceptional Financial Stability Rating® from Demotech, Inc.

ConstruCtion trades Building ContraCtors non-emergenCy mediCal transport

®

Home HealtHCare more DOING BUSINESS IN: AL, AR, FL, GA, IL, IN, KY, MS, MO, NE, NC, OK, SC, TN, TX, VA

LEARN MORE AT WWW.MIDSOUTHMUTUAL.COM