Display advertising rates, deadlines and specifications may be obtained by writing to Big I Tennessee, 2500 21st Avenue South, Suite 200, Nashville, TN 37212, phone 615.385.1898, e-mail marketing@bigitn.org or at www.bigitn.org.
Tennessee Insuror is provided to all Big I Tennessee
Five Years In: Lipscomb & Pitts-
When Lipscomb & Pitts (LPI) partnered with Higginbotham in 2020, the goal was simple: grow in a way that strengthened their people, better serve their clients, and deepen their commitment to the communities they call home. Five years later,
"The fact that we are employee-owned and privately held sets us apart from all the other large brokers”
-Johnny Pitts, Board Member, Managing Partner
that partnership has exceeded expectations on every front. Since joining Higginbotham, LPI has grown from 120 employees to more than 150 while welcoming 25 new producers across Property & Casualty and Employee Benefits while achieving 42% revenue growth. That growth has supported and expanded the Tennessee footprint to include offices in the following cities: Memphis (3 locations), Franklin, Chattanooga, Jackson, Lebanon, and Knoxville. Tennessee is also home to Higginbotham’s nationwide Trucking Division which is based in Chattanooga.
“This partnership really gave us the opportunity to grow the right way. We’ve been able to expand our team and our footprint while staying true to who we are and how we serve our clients. The fact that we are employee-owned and privately held sets us apart from all the other large brokers” -Johnny Pitts, Board Member, Managing Partner.
That growth has also meant more options and stronger support for clients. Over the past five years, the Tennessee locations have added more insurance carrier partners and significantly expanded specialized coverage practices, such as real estate, trucking, hospitality, and many others.
“We have been able to capitalize on the culture of ‘Partnerships’ within Higginbotham to tap into internal expertise across the country and expand our insurance carrier appointments. The evident growth and specialized support has enabled us to fuel our success and bring even more value to our clients.”
-Brett Cutchin, Managing Director
Day Two Services: Support That Goes Beyond the Policy
What really sets the Higginbotham partnership apart is the focus on what happens after a policy is placed. Higginbotham’s Day Two Services® are all about ongoing support and making sure clients have real help beyond renewal time. From claims advocacy, risk management, and safety support on the Property & Casualty side to year-round HR, compliance, wellness, and benefits guidance, clients have access to in-house experts who stay engaged throughout the life of the policy. The goal is simple: help clients stay ahead of issues, reduce risk, and feel supported every step of the way. “Higginbotham’s Day Two Services are the real differentiating factor for our clients. What happens between renewals is what sets us apart from other brokers and drives significant value to our relationships.”
-Jay Harvill, Managing Director
Giving Back Is Part of the Job
One thing that hasn’t changed is their commitment to giving back. Since partnering with Higginbotham, the firm and its employees have contributed more than $1 million to local nonprofits. The Higginbotham Community Fund helps amplify employee giving, making those contributions go even further. The firm also invests in the next generation through
-Higginbotham Partnership
a summer internship program that hosts nearly 80 interns nationwide each year, including several locations in Tennessee.
"We don’t see generosity as something extra—it’s part of who we are. Serving and investing in our community isn’t a side effort; it’s woven into the way we live and do business every day. When our people genuinely know and care about the people around them, that heart shows up in every conversation, decision, and relationship we build." -Mat Lipscomb III, Managing Partner
cityCURRENT: An Idea with Growing Reach
That spirit of connection and service is also at the heart of cityCURRENT powered by Higginbotham, which recently celebrated 20 years of impact in the Mid-South. cityCURRENT hosts hundreds of events every year and produces uplifting content through platforms like The SPARK and The SPARK Awards on WKNO-TV, a radio show on nine Cumulus Media stations, and the ChangeMakers Podcast. What began in Memphis has now expanded to Nashville—where it’s been active for eight years—and recently to Fort Worth, with plans to bring the model to even more cities.
“cityCURRENT connects thousands of businesses with community through events, media, and philanthropy to power the GOOD. It’s proof that when you strategically align companies and people around a higher purpose and community service, it can make a real difference far beyond our city.” -Jeremy Park, cityCURRENT CEO, Higginbotham VP
ers build benefit programs that work in the real world and support both their business goals and their people.
When one of your biggest expenditures on your balance sheet is for benefits, you need the right partner. In today’s world of compliance, communication, complex financial models and technological solutions, professionals that have a deep understanding of the industry are imperative. Our team of experts are not only impressive, they deliver proven results.” -Rick McKinley, Managing Partner
"We don’t see generosity as something extra—it’s part of who we are."
-Mat Lipscomb III, Managing Partner
Supporting People Through Better Benefits
Employee Benefits have become an even stronger part of their story over the past five years. Through the partnership, clients now have access to broader expertise and more hands-on, year-round support—whether that’s help with compliance, benefits administration, wellness strategy, HR technology, or navigating everyday employee questions. With dedicated teams and in-house specialists, they are able to help employ-
Values That Show Up Every Day
At the core of everything Higginbotham does are four guiding values: being family to employees, accountable to clients, teammates to carriers, and generous to communities. You can see those values in action through the firm’s Day Two Services—the support clients continue to receive long after a policy is in place. For Property & Casualty clients, that looks like safety programs, risk management tools, contract reviews, claims advocacy, and hands-on support when catastrophes happen. Employee Benefits clients receive support in compliance, wellness, HR technology, employee advocacy, and FSA/HSA/HRA administration.
“Our values are carried out each day by the employees who have chosen to work with us. Those employees are true professionals and are the reason for our continued growth and success as they exhibit our values to the clients and communities we serve every single day.” -Karla
Combs,
Senior VP, TN Region
Five years in, this partnership is more than a strategic alignment—it’s a shared commitment to people, purpose, and lasting impact. They’ve grown and strengthened their service to clients while staying true to the culture and values that define them. With a strong foundation and clear vision, the next chapter is just beginning. u
Unexpected risks are met with exceptional coverage.
Slips, sparks, tire blowouts — your clients never see them coming. West Bend is ready with the support and service they need to weather any storm.
We help you deliver the coverage your clients need with the service they deserve.
That’s the power of The Silver Lining® . The Worst Brings Out Our Best®.
October 14–16
JW Marriott Nashville
Big I Tennessee 133rd Annual Convention Update
As planning continues for the Big I Tennessee 133rd Annual Convention, October 14–16, 2026, at the JW Marriott Nashville, I can honestly say this event is shaping up to be one of the most exciting and elevated conventions we’ve ever hosted.
Over the past several months, our team has been working intentionally to enhance every part of the attendee experience, from the moment attendees arrive onsite to the final networking event of the week. One of the biggest improvements for 2026 will be the launch of our new event platform, designed to create a smoother and more modern convention experience through faster onsite check-in, on-demand badge printing, improved communication tools, and exhibitor meeting scheduling capabilities that encourage more intentional networking and business connections.
We’re also introducing several new experiences focused on creating additional value for attendees beyond traditional education sessions and tradeshow interaction. While we are still keeping some details under wraps, attendees can expect fresh opportunities centered around professional growth, industry collaboration, emerging talent, and future-focused conversations impacting the independent insurance industry.
together industry and technology professionals to discuss practical applications, automation, innovation, and what the future of AI could look like within insurance agencies and organizations.
Another major highlight will be the 2026 Awards Dinner at the historic Cannery Hall in downtown Nashville. With roots dating back to the late 1800s as a flour mill, coffee roaster, and jam factory, the venue brings an authentic Nashville atmosphere that perfectly aligns with the elevated and energetic experience we’re creating for this year’s convention. From enhanced networking spaces and upgraded attendee flow to expanded exhibitor engagement opportunities and reimagined event experiences, every detail is being planned with our members and supporters in mind.
There is still much more to come, and I truly cannot wait to share what’s ahead. Nashville is going to be an incredible backdrop for an unforgettable week with the independent insurance community.
Be sure to stay tuned to all Big I Tennessee communications and social media channels, as additional announcements and exciting event details will be released soon. Registration for the 133rd Annual Convention is expected to open within the next few weeks, and we cannot wait to welcome everyone to Nashville for what is shaping up to be an unforgettable event. u
Educational content is also evolving in a big way for 2026, including a new AI-focused panel session that will bring
State Advocacy Update: The 2026 Session Wraps, and Campaign Season Begins Government & Legal Update
The second session of the 114th Tennessee General Assembly adjourned sine die on April 23, 2026. It was a session that opened under the cloud of Winter Storm Fern and closed with lawmakers passing a state budget of roughly $58 billion. With committee assignments largely settled coming into the year, the legislature moved quickly, and several of the issues Big I Tennessee tracked on behalf of independent agents reached the finish line.
Before the session wound down, members had the chance to make their voices heard in person at our annual legislative reception and Day on the Hill, where agents met directly with lawmakers to talk through the priorities affecting the independent agency system and the broader insurance marketplace.
Statehouse Recap: Where Our Priorities Landed
Three measures Big I Tennessee supported were signed into law this session.
The first tightens Tennessee’s rules on third-party litigation financing. HB 2108 (Boyd) / SB 2101 (Taylor) requires commercial litigation funders to register with the state, disclose their funding agreements to the court and opposing parties within 14 days of a filing, and refrain from controlling litigation strategy or settlement decisions. It also bars funders affiliated with foreign adversaries and provides that a funder cannot collect more than the plaintiff ultimately recovers. The law brings Tennessee in line with neighboring states, including Georgia and Mississippi, that have moved to bring transparency to a practice that can quietly drive up litigation costs— and, in turn, insurance costs.
The second is the delivery network company (DNC) driver bill, HB 2175 / SB 2458, which establishes clear insurance requirements for drivers who use digital platforms such as DoorDash and Uber Eats to solicit delivery jobs. Sponsored by Rep. Ron Travis (R-Dayton)—a former CEO of Big I Tennessee—the legislation mirrors the framework Tennessee adopted years ago for ridesharing and is built on a model developed by the National Council of Insurance Legislators. It closes the coverage gap that can arise when a driver has the app on and is awaiting a job but has not yet accepted one, clarifying which policy applies if an accident occurs in that window.
Big I Tennessee also spearheaded an effort to restore the state’s short-term “mini-COBRA” continuation-of-coverage option for small group health plans. HB 705 (Gant) / SB 865 (Stevens) brings back the provision—inadvertently repealed in 2025 in an Administration bill—that lets individuals who lose employer-sponsored coverage stay on their existing small-group plan for a short bridge period while they weigh longer-term options. House sponsor Rep. Ron Gant is a Big I Tennessee member. With the enhanced federal ACA premium tax credits having since lapsed, restoring this option gives Tennesseans greater continuity and choice during a job transition and helps them maintain existing provider relationships in the meantime.
We also followed the non-compete legislation closely. HB 1034 (Alexander) / SB 995 (Bailey) began the year as a nearblanket prohibition on non-compete agreements—an approach Big I Tennessee opposed because of its potential effect on agency succession planning, client relationships, and small businesses generally. After substantial amendment, the version that passed is far narrower. Effective for agreements
entered into, renewed, or amended on or after July 1, 2026, it generally limits new non-competes to workers earning at least $70,000 a year and establishes rebuttable presumptions for reasonable duration—two years for employees and independent contractors, with longer windows for dealers and franchisees and for the sale of a business. Importantly, it preserves the business-sale context and keeps nondisclosure and nonsolicitation agreements available as tools for protecting client relationships and proprietary information.
Beyond our core priorities, this was an active session across the board. We kept watch on the full range of legislation touching insurance markets and the agencies that serve Tennessee consumers.
On to Washington: The Big “I” Legislative Conference
Each spring, Big I Tennessee joins independent agents from across the country at the national Big “I” Legislative Conference. This year’s event was held April 22–24 at the Westin in Washington, D.C., where attendees collectively visited roughly 375 congressional offices. We take part because federal policy shapes our markets every bit as much as what happens in Nashville—and because there is no substitute for agents telling their own story to the people writing the rules.
Five federal issues anchored this year’s conversations:
• Cracking down on lawsuit abuse. The Big “I” backed measures to bring transparency to third-party litigation funding and to keep foreign governments and sovereign wealth funds out of American courtrooms, including the Tackling Predatory Litigation Funding Act and the Protecting Our Courts from Foreign Manipulation Act.
• Encouraging disaster preparedness. Bills such as the Disaster Mitigation and Tax Parity Act would stop the federal government from taxing state-issued mitigation grants, encouraging homeowners to harden their properties before the next storm.
• Reauthorizing and modernizing the NFIP. The National Flood Insurance Program is set to expire September 30. The Big “I” is pressing for a long-term reauthorization while protecting the Write-Your-Own program and the role independent agents play in selling and servicing flood coverage.
• Securing the terrorism insurance market. With the Terrorism Risk Insurance Program scheduled to sunset at the end of 2027, the Big “I” is urging an early reauthorization to keep that market stable.
• Lowering health costs and increasing transparency. The Big “I” continues to defend the tax exclusion for employer-provided health coverage—the single largest source of coverage in the country—while supporting greater price and billing transparency for patients.
Looking Ahead: A Wide-Open 2026 Ballot
Adjournment also marks the start of campaign season, and 2026 is shaping up to be one of the most consequential cycles Tennessee has seen in years. The primary is August 6, and the general election is November 3.
Governor. Gov. Bill Lee is term-limited, leaving the seat open for the first time since 2018. The Republican primary features U.S. Sen. Marsha Blackburn, U.S. Rep. John Rose, and state Rep. Monty Fritts, among others. On the Democratic side, the field includes Memphis Councilmember Jerri Green. Candidates filed by the March 10 qualifying deadline, and the general-election matchup will be set after the August primary.
Lieutenant Governor. For the first time in nearly a decade, the Senate will choose a new presiding officer. Lt. Gov. Randy McNally (R-Oak Ridge), who has served in the General Assembly for close to fifty years and as lieutenant governor and Senate speaker since 2017, announced in February that he will not seek reelection, citing health considerations. Senate Republicans are expected to select his successor when the
115th General Assembly convenes in January 2027; several senior members have been mentioned as possible candidates for the post.
The Legislature. All 99 House seats and the odd-numbered Senate seats are on the ballot. The next General Assembly will include a number of new faces—around ten House members have announced they will not return, among them Republican Caucus Chairman Jeremy Faison (R-Cosby), along with Bud Hulsey and Jerome Moon, the latter stepping down to run for Blount County mayor. Of particular note to our industry, Rep. Ron Travis—the former Big I Tennessee CEO who sponsored this year’s delivery-driver insurance law—is retiring to run for Rhea County executive. In the Senate, McNally’s is the lone retirement.
InsurPAC TN: Keeping Our Seat at the Table
A wide-open ballot is exactly the kind of cycle that makes our political engagement matter. InsurPAC TN, our state political action committee, is about more than contributions—it is how we stay visible, educate candidates about how the independent agency system actually works, and support policymakers who understand our industry. As fundraising season ramps up, every contribution helps ensure independent agents have a voice in the conversations that shape our markets. To contribute or learn more, visit insurors.org.
Local Presence. Regional Strength.
Big I Tennessee will continue working with legislators, regulators, and industry partners through the interim and into the 115th General Assembly, and we will keep members updated as the election year unfolds. Our thanks to everyone who took part this session and helped carry the perspective of independent agents to the Capitol.
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
InsurPac needs your support.
Making a donation is fast and easy.
Use the QR code to link to FAQs and the online donation page.
Penn National Insurance sells property-casualty insurance in 12 states by partnering with more than 1,200 independent agency operations.
Financial Strength
Penn National Insurance has an A.M. Best Rating of A (Excellent). This rating is assigned by A.M. Best to companies that have an excellent ability to meet their ongoing insurance obligations.
Claims Service
Penn National Insurance has achieved a “Superior Rating” for Personal Lines Claims Customer Experience for five consecutive years.
Partner With Us
We are looking for select commercial lines agencies in Tennessee.
n Jane Kinard • 615-889-2740 ext. 7158
n Carmen McIntosh • 615-889-2740 ext. 7528
Honoring Excellence— The 2026 Inductees to the MTSU Robert E. Muston Tennessee Insurance Hall of Fame
Each year, the MTSU Robert E. Muston Tennessee Insurance Hall of Fame stands as a testament to the individuals whose leadership, service, and vision have shaped the insurance profession across the state and beyond. Established to honor those who have made enduring contributions to the industry, the Hall of Fame recognizes professionals whose careers reflect integrity, innovation, and a commitment to strengthening the insurance community.
Recently, the Hall of Fame proudly announced a distinguished slate of 2026 inductees whose accomplishments embody the highest ideals of the profession. The newest inductees include Kevin Doherty, Marcus Henderson, Bobby Queener, R. Larry Smith, and Stuart Worden.
These five leaders represent a remarkable cross section of the insurance world—attorneys, agency owners, executives, educators, and advocates—each of whom has left a lasting imprint on the industry. Their induction into the Tennessee Insurance Hall of Fame is not only a celebration of their individual achievements but also a recognition of the collective progress and professionalism they have helped foster throughout Tennessee.
Celebrating the 2026 Inductees
Kevin Doherty has long been recognized as a leading authority in insurance regulatory law as a Partner at Dickinson Wright and Head of Dickinson Wright’s Captive Insurance Practice. His work has shaped policy, guided organizations through complex regulatory environments, and strengthened the legal foundations upon which the industry operates. Doherty’s expertise and mentorship have influenced countless professionals, making him a respected figure across Tennessee and the nation. He also was a founder of the Tennessee Captive Association (TCIA) and served as President and Chairman from 2011 to 2025. He currently serves as Director Emeritus of the organization.
Marcus Henderson has built a career defined by service, leadership, and a deep commitment to the independent agency system. He is the Founder and President/CEO of Henderson Financial Group, Inc. established in 1989, building a successful wealth
advisory and insurance practice serving individuals, families, and business in Tennessee and beyond. Known for his advocacy and his dedication to developing future leaders, Henderson has played a pivotal role in elevating professional standards and expanding opportunities for agents across the state. He served as President of NAIFA Nashville (19992000 and President NAIFA Tennessee (2005-2006) demonstrating statewide leadership with the insurance profession.
Bobby Queener is celebrated for his decades of leadership in agency management and client service. His reputation for integrity and his unwavering focus on customer relationships have made him a model for agents and agency owners alike. Queener’s influence extends far beyond his own business, touching the lives of colleagues, clients, and community members. He worked as a sales producer with Tennessee Farm Bureau in Murfreesboro from May 1983 to January of 1996 qualifying for thirteen round table trips, 12 all-star contests and thirteen fall contests. He then formed a Shelter Insurance Agency in Murfreesboro, TN in 1996 and continues his work there at present. With his Shelter Insurance Agency he qualified for fifteen conference of champions and is a member of the Shelter Insurance Hall of Fame. He was also served as an active board member of NAIFA Tennessee and served as regional vice-president, secretary, vice-president and president of the association over the course of eighteen years.
R. Larry Smith has distinguished himself through a career that blends business acumen with public service. His work in both the insurance field and civic leadership has demonstrated the powerful impact that industry professionals can have on their communities. Smith’s contributions reflect a rare combination of professional excellence and personal dedication. Larry has served as President and on the Board of Directors of many state and local organizations giving him the opportunity to mentor individuals guiding them to greater success. He is always available to offer counsel to fellow agents and producers in the life insurance industry.
Stuart Worden has earned recognition as an innovative leader whose strategic vision has strengthened organizations and advanced the insurance profession. His commitment to education, professional development, and organizational growth has helped shape the next generation of industry leaders. Stuart retired from the insurance business in 2022 after 71 continuous years of sales and service to his clients. As senior partner of Worden, Rechenback & Brooks and longtime member of the Knoxville Association of Life Underwriters (KALU), Mr. Worden recruited, mentored and encouraged countless members of the profession both in his office and throughout the community.
Together, these inductees represent the values that the Tennessee Insurance Hall of Fame was created to honor: leader-
ship, service, professionalism, and a lifelong commitment to improving the insurance industry for all Tennesseans.
Save the Date: The 2026 Induction Gala
To celebrate these exceptional individuals, the MTSU Robert E. Muston Tennessee Insurance Hall of Fame will host its 2026 Induction Gala on Thursday, October 1, 2026. This signature event brings together industry professionals, past inductees, family members, and supporters for an evening of recognition and fellowship.
The celebration will take place at the Smyrna Event Center, 100 Sam Ridley Parkway E., Smyrna, Tennessee 37167. The evening will begin with a New & Prior Inductee Reception at 5:30 PM, followed by a general Reception at 5:30 PM, and Dinner starting at 6:00 PM. Guests will enjoy a program that highlights the accomplishments of the 2026 inductees and reflects on the legacy of excellence that defines the Hall of Fame.
This event is one of the most anticipated gatherings in the Tennessee insurance community, offering an opportunity not only to honor the inductees but also to connect with colleagues, celebrate shared achievements, and support the ongoing mission of the Hall of Fame. Be sure to Save the Date and make plans to attend. An official invitation will be forthcoming.
AGENTS OF
Infinite Possibilities
All the products you need to protect your customers
As an agent, the more you have to offer, the more opportunities you have to customize coverage for your customers. That’s why we equip you with a full suite of products—including auto, home, motorcycle, boat, RV, and more—so you can give your customers peace of mind knowing that whatever they need, you’ve got it covered.
Plus, as a Progressive agent, you have access to our industry-leading commercial coverage to round out your offerings and meet all your customers’ needs.
TO LEARN MORE
Search for us online at Agents of Progressive, Progressive Connect, or Progressive Appointment.
Continuing a Legacy of Excellence
The MTSU Robert E. Muston Tennessee Insurance Hall of Fame serves as a reminder of the profound impact that dedicated professionals can have on their industry and their communities. Each inductee’s story reflects years of hard work, perseverance, and a commitment to serving others. By recognizing these leaders, the Hall of Fame inspires future generations to pursue excellence and uphold the values that strengthen the insurance profession.
As we prepare to celebrate the 2026 inductees, we honor not only their accomplishments but also the enduring spirit of service and leadership that defines the Tennessee insurance community. Their contributions will continue to shape the industry for years to come, and their induction into the Hall of Fame ensures that their legacy will be remembered and celebrated.
For More Information
If you have questions about the 2026 Induction Gala or the Tennessee Insurance Hall of Fame, please email tninshof@ mtsu.edu. You may also contact Kristen Gulson with the Big I of Tennessee for additional information. u
Give to the Robert E. Musto Tennessee Insurance Hall of Fame
Donors play a vital role in ways we are able to sustain and enhance our mission. To support the Robert E. Musto TN Insurance Hall of Fame, please donate online at the following secure donation site: www.mtsu.edu/supportbusiness.
Please select “other” and then enter “Musto TN Insurance Hall of Fame (93609).
Or mail checks payable to Robert E. Musto TN Insurance Hall of Fame with memo Account 93609 to:
MTSU Development and Advancement
Box 109, Wood-Stegall Center, MTSU Murfreesboro, TN 37132
Thank you for your support!
One Platform by IPFS®
Providing the insurance industry with a single platform for innovative premium financing and payment technology solutions to
Premium Financing
ipfs.com
Access the Agency Dashboard on ipfs.com for insights into how insureds use IPFS services. Available information includes activity data and electronic communication enrollment. Create a range of reports in PDF or Excel workbook formats.
Quoting
Access quotes online at ipfs.com, by email, or by phone. All quotes can be viewed and amended online, and renewal quotes load the prior year ’s
eForms and eSign
device at any time. Electronically collect a signature and submit it online to reduce paperwork.
Custom Branding
Highlight your brand and help insureds recognize important IPFS communications by co-branding or white labeling insured-facing points of contact. With custom branding you will create brand awareness and recognition,
interrupted due to a missed payment.
Payment Options
Paying for premiums has never been easier. IPFS offers many ways to pay including the ability to make payments in installments, in full, or anytime. Payments can be made by interactive voice response, check or money order to a secured lockbox, bank bill payment, pre-authorized account debit, and credit Credit Advantage®
IPFS Integrations
Eliminate busy work by integrating with IPFS. Integrations provide powerful reporting, automated data entry, and tracking opportunities with minimal manual integrate with most Agency Management Systems.
Cancellation Avoidance Tools
Avoid insurance coverage disruption with timely payment due date reminders, cancellation notices via text message and email, impending cancellation reports provided to agents, and the ability for agents to place accounts on hold to delay cancellation.
IPFS Connect® Mobile App
Access account information 24 hours a day, seven days a week via mobile app. Agents and insureds can make payments, check account status, update account
IPFS Payments Powered by AndDone™*
Quickly and easily manage all your payment needs with a single vendor: IPFS. Our robust platform is capable of handling
Payments can be used in combination with or separately from
Branded Payment
Pages
colors.
Real-Time Transaction Dashboard
See transactions in real-time for better visibility into account activity.
Embedded Payments & Premium Finance
Prebuilt user interface components that allow you to build native
Configure Statement Descriptors
transaction descriptors for your insureds.
*Payments are processed and facilitated by IPFS Corporation’s technology provider and payment facilitator AndDone, LLC.
Contracting Risk Classes Still Under Pressure: What Today’s Market Means for Contractors
Contractor-focused liability markets remain strained as we move into 2026, with several segments experiencing persistent pressure across both primary and excess casualty lines. Even as some industries see moderation in the broader E&S landscape, construction continues to be an outlier driven by severity trends, nuclear verdict exposure and challenging jurisdictional environments. Data from industry brokers and trade publications highlight several contractor categories facing the toughest conditions.
Contractor Segments Seeing the Most Pressure
Trade Contractors
Trade contractors (particularly those in plumbing, roofing, electrical and concrete) are seeing tighter underwriting. Carriers are decreasing capacity and raising rates while placing emphasis on loss experience. Underwriters are increasingly differentiating between:
• Contractors with strong, documented safety and loss histories, who may still secure competitive terms and
• Less established operations (or those with losses), which often require E&S solutions or face significant pricing adjustments.
This segmentation reflects continuing concerns around frequency-driven losses, subcontractor management and claims inflation across general liability and excess casualty layers.
Large Commercial or Complex Projects
Larger or multifaceted construction projects still require creative E&S structuring. Accounts that combine or involve the following continue to face limited lead markets and a need for specialized carriers:
• Broad general liability
• Contractor’s pollution liability
• Professional liability (design-build exposure)
• Multi-layer excess towers
High-value commercial developments, infrastructure expansion, healthcare facility builds and industrial projects are especially likely to require E&S layering, regardless of contractor quality. Project complexity and exposure diversity remain key drivers pushing large placements into specialty segments.
What Contractors Should Prioritize to Improve Underwriting Outcomes
Even in a stressed class segment, contractors can influence appetite and pricing through clearer risk differentiation.
Showcase Strong Safety Programs
Some of the most effective ways to distinguish high-performing accounts are documented safety culture, including training logs, toolbox talks, near-miss tracking, subcontractor controls and evidence-based improvements. A thorough safety submission now carries more weight than ever.
Provide Robust Loss Control Documentation
The more a contractor can demonstrate historical control over their exposures, the more flexibility underwriters may have with rate or capacity.
Submit Early and with Detail
Earlier submissions and complete submissions allow the underwriters time to shop the account effectively. In a capacity-constrained environment, timing is a competitive advantage.
Bottom Line
Construction risk classes (especially trade contractors and large project placements) remain some of the toughest risks in today’s E&S market. While macro trends like legal system abuse, nuclear verdicts and loss inflation continue to shape the landscape, well-prepared contractors can still secure favorable outcomes through strong safety culture, proactive documentation and working an account early.
By Kim Wollenhaupt, Arlington/Roe
Welcome, Big I Tennessee Members: Catalyit Is Here
Catalyit helps independent insurance agencies make smarter technology decisions. Built by seven Big "I" State Associations, Catalyit cuts through the noise and gives you clear, practical guidance on what to use and how to use it.
Now, thanks to Big I Tennessee, we're giving you 100 days of full access to Catalyit, completely risk-free.
You'll have full access to tools, data, and guidance designed specifically for independent agencies.
What You Get With Catalyit
Agency Tech Assessment
Get a clear view of your agency’s technology. Identify gaps, uncover opportunities, and receive a practical roadmap to improve your tech stack.
Agency Compensation 360
See how your compensation compares. Use real-time data from agencies nationwide to benchmark pay, evaluate roles, and make confident decisions.
26+ Practical Technology Guides
Step-by-step guidance on the topics that matter most, including automation, AMS, phone systems, cybersecurity, AI, and more.
Solution Provider Directory
Explore 370+ vetted technology providers built for independent agencies. Find the right tools faster.
TechTips
Quick, actionable insights to help you stay current on trends, tools, and best practices.
Catalyit Live Sessions
Learn directly from experts in interactive sessions. Ask questions, see demos, and get real answers.
Take Advantage Today!
This is your opportunity to bring clarity to your technology, make better decisions, and move your agency forward with confidence.
From Your President
Battle Bagley, III, CIC, CPA
I am pleased to share several important updates.
As we move through another dynamic year in the insurance industry and the overall economy, I continue to be optimistic based on the strength, resiliency, professionalism, and unity of Big I Tennessee members. Perhaps more importantly, independent insurance agents are quickly adapting to changes in the marketplace, rapidly emerging technologies, and adapting to meet today’s challenges. Your association is actively engaged and committed to advancing the interests of independent agents across our state and the nation. I am pleased to share several important updates that reflect both our recent accomplishments and the strategic initiatives shaping our future.
One of the highlights of our year thus far was our association’s visit to Washington, D.C. for the Big “I” Legislative Conference. This annual gathering remains one of the most important opportunities for independent agents to speak directly with federal lawmakers about the issues that impact our businesses and our clients. Our Tennessee delegation showed up in force, meeting with members of Congress and their staff to advocate for fair taxation, support for small businesses, and the preservation of the independent agency system. The professionalism and preparedness of our members made a strong impression, and I am proud of the role we played in ensuring that Tennessee’s voice was clearly heard. Engagement at the national level is essential, and our participation demonstrates the strength and credibility of Big I Tennessee that goes back more than 130 years.
Closer to home, we recently celebrated the tremendous success of the annual Northwest Tennessee Independent Agents Golf and Dinner Event. This gathering has long been a cherished tradition, but this year’s turnout and enthusiasm exceeded expectations. Agents, partners, and community leaders came together not only to enjoy a day of fellow-
ship and friendly competition, but also to support the mission of our association. Events like this reinforce the relationships that make our industry strong. I want to extend my appreciation to the organizers, sponsors, and participants who made the event such a memorable success.
We also saw outstanding engagement during our Big I Tennessee Days events in Knoxville and Memphis. These regional gatherings continue to grow in attendance and impact, offering members the chance to connect with association leadership, share insights, and discuss the challenges and opportunities facing agencies in today’s evolving marketplace. The energy and feedback we received from both cities were overwhelmingly positive. It is clear our members value these opportunities for direct dialogue, and we remain committed to expanding regional engagement across the state.
In addition to these events, several key organizational initiatives are underway that will strengthen our association for years to come. First, we are conducting a comprehensive review of the state association’s bylaws, led by Kevin Owenby. This effort is essential to ensure that our governance structure remains modern, transparent, and aligned with the needs of our membership. Kevin’s leadership and attention to detail have been invaluable, and we look forward to presenting recommendations that will support a strong and sustainable future.
We are also making important improvements to the Big I Tennessee building, a project led by Paul Steele. Our headquarters is more than just an office, it is a symbol of our association’s identity and a hub for member services, education, and collaboration. Paul’s work to update and enhance the facility will ensure that it remains a welcoming, functional, and professional environment that reflects the high standards of our organization.
Portis Tanner is leading the effort to update and overhaul the member contact database to make sure we have the most up to date and accurate member information in the association database. This is not a small undertaking and is essential to delivering important information to our members and ensuring a high level of member engagement.
Another significant initiative, that I am personally leading, is the transition of our financial statements from cash basis to accrual basis. This change represents a major step forward in financial transparency and long term planning. Accrual accounting provides a more accurate picture of our financial position and will allow us to make better strategic decisions. I appreciate the support of our board and staff as we work through this important modernization effort.
As we look ahead, I want to encourage all members to take full advantage of the many educational opportunities offered by Big I Tennessee. Our industry is evolving at a pace we have never seen before—emerging technologies, shifting consumer expectations, regulatory changes, and new market dynamics require continuous learning. Whether through our licensing courses, advanced designations, leadership programs, or specialized training, Big I Tennessee provides tools agencies need to stay competitive and deliver exceptional service. Investing in education is one of the most powerful ways to strengthen your agency and support your team.
Finally, I want to close by inviting every member to join us at Big I Tennessee InsureFest, taking place October 12–16, at the J.W. Marriott Hotel in Nashville. We look forward to seeing you there! u
He l lo work comp par tners. Good bye no added value.
From Your Executive Director
Kristen Gulson
Moving Forward - Key Events and More
Over the past several months, our association has experienced a remarkable surge of energy, engagement, and momentum—momentum that reflects the strength of Tennessee’s independent agency community and the commitment of our members to advancing this industry together. As I reflect on the success of our recent regional events and look ahead to the major opportunities on the horizon, I am filled with gratitude and optimism for what we are building.
Our two regional Big I TN Day events— held in Memphis and Knoxville—were extraordinary demonstrations of what happens when our members come together with purpose. Each event brought agents, company partners, and industry leaders into the same room to learn, collaborate, and strengthen the relationships that make our association so effective. The conversations were lively, the sessions were substantive, and the feedback was overwhelmingly positive. Most importantly, these gatherings reaffirmed that our members value connection. They want to be part of something bigger than their own agency or territory. They want to contribute to a statewide network that elevates the independent agency system and ensures its continued success.
That spirit of connection is exactly what will define our next major event: Big I TN Insurefest, taking place October 13–16, 2026, in Nashville. Insurefest has quickly become one of the most anticipated gatherings in our region, and this year’s event promises to be our most dynamic yet. Over four days, we will bring together agents, carriers, technology partners, and thought leaders for a conference experience that blends education, innovation, and celebration of our industry.
Why is it important to attend? Because Insurefest is where the future of our industry is shaped. It is where you gain
insights that help your agency grow, where you meet partners who can transform your business, and where you strengthen the relationships that sustain our professional community. It is also where we, as an association, listen—truly listen—to the needs, challenges, and aspirations of our members. Your presence matters. Your voice matters. And your participation ensures that Big I Tennessee continues to serve as the leading advocate and resource for independent agents across our state. Stay tuned for more details in the coming weeks.
Before Insurefest arrives, we will gather for another important occasion at the MTSU Robert E. Musto Insurance Hall of Fame Awards on October 1. This event honors the individuals whose leadership, innovation, and service have shaped the insurance profession in Tennessee. Please see the article in this issue of the Tennessee Insuror that introduces you to the 2026 inductees. The awards ceremony is a moment to celebrate excellence, to recognize those who paved the way, and to inspire the next generation of industry leaders. I encourage every member to attend and support this meaningful tradition. The Hall of Fame reminds us that our work is part of a larger legacy—one that we are responsible for carrying forward with integrity and purpose.
As we look to the future, one of the most important initiatives we can undertake is expanding our membership. Tennessee’s insurance community has agencies and company representatives who are not yet part of Big I Tennessee—but should be. Our association is strongest when it reflects the full breadth of our industry. As a result, we need your help to grow. I am asking each of you to take an active role in referring agencies, producers, and carrier partners who would benefit from being part of our organization. A personal invitation from a colleague is often the most powerful motivator.
When you help us grow, you strengthen the voice of independent agents statewide and increase the resources available to all members.
Another critical priority is supporting the Young Agents. The future of our industry depends on the development of emerging leaders who bring fresh ideas, new energy, and a commitment to excellence. If your agency has young professionals who are eager to learn, network, and advance their careers, encourage them to get involved. Young Agents programs are not just social gatherings—they are leadership incubators. They build confidence, expand professional networks, and cultivate the next generation of agency owners, executives, and association leaders. Investing in young talent is one of the most important things we can do to secure the long term strength of our industry.
Finally, I want to extend my deepest appreciation to our strategic supporters. Your partnership is not simply financial—it is foundational. You help drive the key initiatives that allow us to advocate effectively, deliver high quality education, support our members, and elevate the independent agency system across Tennessee. Your commitment enables us to innovate, to grow, and to serve our members with excellence. We are profoundly grateful for your continued support and collaboration.
As we move forward, I am inspired by the unity, resilience, and passion of our membership. Together, we are building an association that is strong, forward thinking, and deeply connected to the needs of agents and consumers across our state. Thank you for being part of this journey. u
Tennessee Young Agents '26
Young Agent Spotlight
Sam Rector • CRC Specialty • 2026 Young Agents Company Liaison
In an industry built on relationships, technical expertise, and the ability to solve complex problems under pressure, professionals who can bridge perspectives and elevate collaboration stand out quickly. For the Tennessee Young Agents, one of those standout partners is Sam Rector, Casualty Broker in CRC Group’s National Construction Practice and the 2026 Young Agents Company Liaison. Based in Nashville and known for his steady professionalism, Sam brings a blend of market insight, genuine curiosity, and a client first mindset that makes him an invaluable resource to both retail partners and emerging industry leaders.
Sam’s path into insurance began in the mountains of western North Carolina. Originally from Asheville, he grew up surrounded by the entrepreneurial energy and community driven spirit that define the region. That environment shaped his early interest in business and risk—interests he later formalized at Appalachian State University in Boone, where he graduated in 2015 with degrees in Risk Management & Insurance and Finance & Banking. Appalachian State’s nationally recognized RMI program gave Sam not only a technical foundation but also a deep appreciation for the role insurance plays in supporting economic growth, especially in industries like construction.
tures programs that balance competitiveness with long term stability. What drives him most is the opportunity to help retail partners add measurable value to their clients’ insurance programs.
“I’m passionate about using my experience, effort, and technical knowledge to help our partners win,” Sam says—a philosophy that guides his approach to every account. Whether navigating a distressed risk, structuring layered excess towers, or helping a retail agent articulate coverage nuances to a client, Sam sees his role as part technician, part strategist, and part educator. His goal is always the same: deliver clarity, confidence, and solutions that strengthen relationships.
That mindset is also what makes Sam an ideal Company Liaison for the Tennessee Young Agents. He understands the challenges young professionals face—learning the market, building networks, gaining confidence in technical conversations—and he believes strongly in creating pathways for growth. As a Liaison, Sam serves as a bridge between the Young Agents and the broader carrier and wholesale community, helping ensure that emerging leaders have access to the resources, mentorship, and industry visibility they need to thrive.
After graduation, Sam entered the wholesale brokerage world, gaining early exposure to the pace, complexity, and creativity required to place challenging risks. He later spent seven years at a large retail brokerage, an experience that broadened his understanding of client needs, agency operations, and the day to day realities retail partners face. That dual perspective background—wholesale and retail—has become one of Sam’s greatest strengths. It allows him to anticipate friction points, communicate clearly across stakeholders, and approach each placement with a collaborative mindset.
Two years ago, Sam joined CRC Group, where he serves as a Casualty Broker within the National Construction Practice. His focus is General Liability and Excess coverage for construction risks, including both practice and project specific business. From artisan contractors to large scale commercial builders, Sam handles a wide range of exposures and struc-
Sam’s enthusiasm for the Young Agents program stems from his own experience. Early in his career, he benefited from mentors who took the time to explain coverage nuances, share market insights, and model what it means to be a trusted advisor. Now, he sees the Liaison role as an opportunity to pay that forward. He is particularly passionate about helping young agents understand the construction marketplace which is a segment where technical detail, contract language, and risk transfer mechanisms can make or break an account.
Based on our preparation for this article, it is clear Sam is thoughtful, steady, and always prepared. Retail partners appreciate his responsiveness and his ability to translate complex underwriting considerations into actionable guidance. Within CRC, he is known for his work ethic and his commitment to doing things the right way, even when the right way takes more time.
YA
Sam and his wife, Ali, live in East Nashville and enjoy exploring Nashville’s food and music scene, spending time outdoors, and staying connected to his North Carolina roots. The couple also enjoy spending time with Max, their one and half year old Weimaraner who Sam describes as intelligent and super high energy when he is not lying on his back waiting for a belly rub. Sam is also a semi-retired triathlete and half marathon runner and is regularly considering reengaging in his former sport.
As the Young Agents continue to expand their impact across Tennessee, having a Company Liaison like Sam Rector—someone who understands the business, values collaboration, and genuinely cares about developing the next generation—strengthens the entire network. His journey from Asheville to Appalachian State to CRC Group reflects a career built on curiosity, discipline, and a commitment to service. And for the young professionals who will learn from him this year, that combination is exactly what leadership looks like. u
ACUITY INSURANCE
AF GROUP
AMERICAN EUROPEAN INSURANCE COMPANY
AMTRUST
BUILDERS INSURANCE GROUP
CENTRAL INSURANCE COMPANIES
CINCINNATI INSURANCE
EMC INSURANCE
ENCOVA INSURANCE
ENTERPRISE
FFVA MUTUAL
FRANKENMUTH INSURANCE
FRONTLINE INSURANCE
GRANGE INSURANCE
HARFORD MUTUAL
KEYSTONE INSURERS GROUP
MARTIN & ZERFOSS
RT SPECIALTY
SAFEWAY INSURANCE COMPANY
STONETRUST WORKERS' COMPENSATION
THE SERVICE INSURANCE COMPANY
SUMMIT
WEST BEND INSURANCE COMPANY
WESTFIELD INSURANCE
The Big ‘I’ Publishes M&A Handbook to Reduce Agency E&O Claims Your Big I
“The Handbook for Preventing Errors & Omissions Claims in Insurance Agency Mergers & Acquisitions” offers a step-bystep approach to mitigating errors associated with merging the operations of existing and acquired agencies.
“With record deal activity, rapidly evolving work environments since COVID and the incredible diversity of business models across the independent agency channel, mergers and acquisitions have never been more complex,” said Nancy Germond, Big “I” executive director, risk management and education. “That complexity makes disciplined attention to E&O risk management essential.”
Various E&O issues can arise from M&A activity when acquiring agencies fail to take adequate steps to align employee knowledge and operational standards. In some cases, agencies may fail to place vehicles or other property on excess schedules or neglect to list vacant land on policies that provide liability coverage. Other challenges include reviewing legal contracts beyond the scope of insurance requirements and failing to properly document coverage offerings.
“Deals move fast, but they should not overlook the critical work of aligning procedures, training employees and ensuring coverage is properly reviewed, documented and communicated,” Germond said. “Taking the time to get these fundamentals right can significantly reduce E&O exposure and help agencies build a stronger foundation for success.”
The handbook outlines the operational advantages and challenges of M&A, along with clear steps and practical checklists to help agencies evaluate existing operations and identify potential gaps early in the process. It also provides tools to assess the skills, knowledge and competency of each acquired employee, as well as worksheets designed to measure and support consistent performance.
To strengthen onboarding and reduce risk, the handbook includes a variety of targeted E&O training resources for newly acquired employees, including short, focused training modules for specific workflows and individual training plans to monitor employee progress and development.
“This handbook gives agencies a clear, practical roadmap for building consistent processes, reviewing policies and documenting coverage in a way that protects both the agency and its clients,” said Amanda Juratovic, Big “I” vice president of E&O operations. “By standardizing procedures and strengthening employee training, agencies can reduce uncertainty, improve performance and significantly lower their E&O risk during a merger or acquisition.”
“The Handbook for Preventing Errors & Omissions Claims in Insurance Agency Mergers & Acquisitions” is available for purchase from the Big “I” Virtual University, with discounted pricing for Big “I” members and free access for current Big “I” Professional Liability program agency E&O policyholders. u
Tap into the collective knowledge of insurance experts on the Big "I" Virtual University. Find analysis on thousands of insurance scenarios to help you grow your understanding of complex topics, better serve your clients and communicate effectively. Broaden your insurance knowledge to reduce possible risks. When you or your team have technical insurance questions, we can help.
Discover comprehensive information on a wide range of insurance topics, including agency management, commercial and personal lines, certificates of insurance, life & health, checklists, and more. Virtual University curates the experience and expertise of the industry’s leaders into detailed and searchable content to help you quickly navigate the world of
When you or your staff have tough coverage questions or face a claim denial that just doesn’t make sense, turn to us! Our team of over 50 insurance experts is ready to assist with complex insurance inquiries. Get the guidance you need from professionals who understand the industry inside and out.
Ask a question and get answers from a team curated specifically for your situation! Responses from our team usually take five business days.
CRITICAL INSURANCE ISSUES.
Each day our industry is faced with new challenges that will affect the long-term success of independent agencies. The Big "I" VU regularly produces important content to keep you informed on market conditions, coverage changes, regulations and more.
ONLINE EDUCATION .
Our powerful collaborations provide access to continuing education and professional development course designed to meet insurance agents where you are in your career.
DISCOVER VU TECHNICAL CONTENT TODAY!
Visit: independentagent.com/VU
Email: virtualuniversity@iiaba.net
Subscribe: Insurance Illustrated
Association News
Nikki Reeder is named to Big I Tennessee Board of Directors
We want to introduce you to Nikki Reeder, the newest addition to the Big I Tennessee Board as Directors, Region I. Nikki agreed to step onto the board to fill the position left open by the resignation of Tim Treadwell. Tim stepped down for personal reasons. Nikki is ready to serve Big I Tennessee and looks forward to representing members of Region 1.
Please join us in congratulating Nikki on her new position.
Director, Region I - Nikki Reeder began her insurance career in 2019 as a Producer with State Farm, following an 18-year career in the restaurant industry. In 2021, she joined Boyle Insurance Agency as a Personal Lines CSR and quickly advanced into a Commercial Lines CSR role. In 2025, she transitioned to Insight Risk Management, where she currently serves as a Commercial Lines Account Manager.
Nikki has been actively involved in industry leadership, joining the Young Agent Committee for the State of Tennessee
in 2022 as Events Chair and serving as Event Chair for the 2026 Annual Convention Planning Committee. In 2026, she further expanded her involvement by serving on a National Young Agents Committee (NYAC) subcommittee focused on YALI planning. Her contributions to the industry have been recognized with the 2024 WINS Agent of the Year award and the 2025 Jim Alexander Service Award for Committee Member of the Year.
Outside of her professional work, Nikki enjoys life with her two boys, three dogs, and husband, who keep her busy and on the go.
Association News
Sunstar Insurance Group, LLC Announces Acquisition of Clay & Land Insurance
Sunstar Insurance Group, LLC is pleased to announce the acquisition of Clay & Land Insurance, a well-respected insurance agency based in Memphis. The acquisition was effective November 1, 2025. This strategic addition expands Sunstar Insurance Group’s footprint in Tennessee and brings into the organization an agency known for its stellar reputation for customer service and strong community relationships. Andy Gaddie, Sunstar’s Tennessee Regional Director, shared that Clay & Land Insurance President and CEO Todd Dyson remains in his current leadership role following the acquisition. In addition, Dyson joins Sunstar Insurance Group’s Executive Committee.
“We are excited to welcome Clay & Land Insurance to the Sunstar family,” said Gaddie. “Their commitment to service and leadership aligns perfectly with our values, and Todd’s continued leadership will be a tremendous asset as we grow in Tennessee.” Todd Dyson, President and CEO of Clay & Land
Insurance, added, “Partnering with Sunstar Insurance Group positions us for the next phase of growth while preserving the values and service culture our clients expect. This acquisition creates new opportunities for our team, expands our capabilities, and allows us to grow strategically while continuing to serve our clients at the highest level.”
White and Associates Announces Employee Awards
Kristin Smith | Bolivar | #1 Personal Lines Producer
Martin Caton | Dyersburg | #1 Commercial Producer
Daniel Baldwin | Piggott, AR | #1 Farm, Crop & Conservaoducer
Joe Prichard | Dyersburg | #1 Life & Financial Services Producer
Jennifer Cheatham | Dyersburg | #1 Life & Health Acct Manager
Angela McGuire | Dyersburg | #1 Claims Manager
Kendyl Davidson | Jackson | Rookie of the Year u
Updated Teen Vehicle List Spotlights Good Buys With Solid Safety Credentials
A new list of recommended used vehicles for teen drivers shows safety doesn’t have to take a back seat even amid rising concerns about affordability. The Insurance Institute for Highway Safety (IIHS) and Consumer Reports (CR) have identified 45 used vehicles starting under $10,000 that offer good crash protection and are suitable for teen drivers. Another 29 vehicles that also have highly rated headlights and automatic emergency braking with pedestrian detection can be found for under $20,000.
“We curate this annual list specifically for teens because driving holds extra risk for them,” said IIHS Senior Research Scientist Rebecca Weast. “That said, the suggestions are suitable for drivers of any age looking to balance affordability with crash protection and crash avoidance.”
“A teen’s first car is a major milestone. Whether you’re buying them a vehicle or deciding which family car they should begin driving, these lists help parents make those choices with confidence, and without compromising on safety,” said Emily A. Thomas, associate director of auto safety at Consumer Reports.
For those who prefer a 2026 model, IIHS and CR have identified 22 vehicles with excellent crashworthiness and advanced safety features that are on the less expensive end of the new-car spectrum.
CR and IIHS have produced the annual list of teen vehicles jointly since 2020 to assist families looking for something that can help keep a new driver safe while staying within budget constraints. Many models on the list make good family vehicles too. That could be helpful for parents who plan to share a vehicle with their child or who are looking for one they can pass along to them in a few years.
What teens should avoid
As in past years, the list doesn’t include anything with excessive horsepower relative to weight or anything marketed for performance. However, many seemingly benign vehicles come in high-horsepower versions, so even when shopping from the IIHS-CR list, families should make sure to stick to the base engine. Powerful vehicles can entice young drivers to take risks or lead them to speed inadvertently.
Minicars, as well as anything under 2,750 pounds, are also excluded. Although smaller models tend to be popular with young drivers, they can’t protect their occupants adequately in crashes with bigger vehicles. On the flip side, large SUVs and large pickups aren’t a good choice for inexperienced drivers because they can be hard to handle and take longer to stop. They also pose more risk to others on the road, including pedestrians, bicyclists and people in smaller vehicles.
Making the cut
All used and new vehicles on the list have average or better scores (3 out of 5) from CR for braking and for emergency and routine handling. They also have usability scores of at least 2 out of 5 for controls and displays, meaning the models with the most confusing and distracting setups are excluded.
Listed vehicles also provide strong protection in a crash, based on IIHS testing. For used vehicles, this means a good rating in the driver-side small overlap front test, which was introduced in 2012. This test was one of the final evaluations in the original series of IIHS crashworthiness tests, which also looked at side crash protection, roof strength and head restraints.
In recent years, most of the original tests were phased out — and in some cases replaced with more challenging ones. The small overlap remains in the current IIHS test line-up, making it a good proxy for comparing overall crashworthiness of vehicles of different ages.
When it comes to features that help avoid a crash, all listed vehicles have standard electronic stability control, which has been mandatory since the 2012 model year.
Models in the top tier of used vehicles, designated as Best Choices, come with headlights that earn a good or acceptable rating from IIHS across all trim levels. They also have standard automatic emergency braking (AEB) with pedestrian detection that performs well in daytime IIHS track tests. In addition to reducing the risk of a pedestrian crash, AEB helps drivers avoid rear-ending another vehicle. The technology is useful for everyone but can be particularly helpful for young, inexperienced drivers, who may be prone to distraction.
New vehicle criteria
For families who can afford a new vehicle for a teen driver, IIHS and CR recommend getting the most state-of-the-art safety that money can buy. The list of recommended new vehicles consists of winners of the 2026 IIHS Top Safety Pick or Top Safety Pick+ award that also earn a CR Safety Verdict of Best.
The IIHS awards mean these vehicles have good ratings in the Institute’s newer, more challenging crash tests and have standard good or acceptable headlights and standard high-performing AEB. A CR Safety Verdict of Best means the vehicles also have standard highway-speed AEB, blind spot warning and rear cross traffic warning.
Finally, the recommended new vehicles earn good ratings from IIHS for seat belt reminders. Young drivers are less likely to buckle up than others, and loud, persistent reminders have been shown to boost belt use substantially. u
The 2026 Hurricane Season, El Niño’s Influence, and the Critical Importance of Preparedness for All Communities
The 2026 Atlantic hurricane season arrives at a moment of heightened national attention to climate variability, infrastructure resilience, and community preparedness. While coastal states traditionally bear the brunt of tropical cyclones, the cascading effects of these storms—flooding, tornadoes, power disruptions, and supply chain interruptions—reach far beyond the shoreline. For insured clients across the United States, including those living hundreds of miles inland, the 2026 season underscores a simple truth: preparedness is not optional. It is a foundational component of personal safety, financial stability, and community resilience.
A Season Shaped by El Niño Conditions
Forecasters have noted that the 2026 season is strongly influenced by persistent El Niño conditions in the Pacific Ocean. El Niño, characterized by warmer than average sea surface temperatures, has complex and sometimes contradictory effects on Atlantic hurricane activity. Historically, El Niño tends to suppress hurricane formation by increasing vertical wind shear—disruptive winds that can tear apart developing storms. However, in recent years, warmer Atlantic waters have counterbalanced this suppressive effect, creating an environment where fewer storms may form, but those that do can intensify rapidly.
In 2026, this dynamic is especially important. Sea surface temperatures in the Atlantic basin remain significantly above long term averages, providing abundant fuel for storms that manage to organize despite El Niño’s wind shear. This combination increases the likelihood of “fewer but stronger” hurricanes—storms capable of rapid intensification near the coastline, leaving residents and emergency managers with less time to react.
Rapid intensification has become one of the most dangerous trends in modern hurricane behavior. Storms that strengthen from Category 1 to Category 4 in less than 24 hours challenge traditional evacuation timelines and strain emergency
response systems. For insured clients, this means that preparedness must be proactive, not reactive. Waiting for a forecast cone to narrow is no longer a safe strategy.
Why Preparedness Matters for All Communities—Not Just Coastal Ones
A common misconception is that hurricane preparedness is only relevant for those living directly on the coast. In reality, the impacts of hurricanes extend far inland, often causing more damage away from the shoreline than at landfall. Tennessee, Kentucky, Arkansas, and other inland states routinely experience:
• Tropical storm force winds capable of downing trees and power lines
• Torrential rainfall leading to flash flooding, river flooding, and landslides
• Tornado outbreaks, which frequently accompany land falling hurricanes
• Long duration power outages that disrupt businesses, healthcare facilities, and households
• Supply chain disruptions, including fuel shortages and delayed deliveries of essential goods
For insured clients, these risks translate into real financial exposure. Homeowners, renters, and business owners must understand that hurricanes are not just coastal events—they are multi state, multi hazard systems. Preparedness protects lives, reduces losses, and accelerates recovery.
The Role of Insurance in a Changing Risk Landscape
Insurance remains one of the most powerful tools for financial resilience. Yet many policyholders underestimate their exposure or assume that standard policies cover all hurricane related damage. In reality:
• Flooding is not covered under most homeowners policies
• Windstorm deductibles may apply in hurricane prone states
• Business interruption coverage varies widely
• Personal property limits may be insufficient for modern households
The 2026 season is an opportunity for insured clients to review their policies, update inventories, and ensure that coverage aligns with current risk—not outdated assumptions. Preparedness begins with understanding what is protected, what is not, and what steps can be taken to close coverage gaps.
Tennessee’s Leadership in Resilience and Preparedness
Although Tennessee is not a coastal state, it has emerged as a national leader in emergency preparedness and community resilience. The Tennessee Emergency Management Agency (TEMA) has invested heavily in initiatives designed to help residents withstand and recover from severe weather events—including hurricanes that track inland, tornado outbreaks, and catastrophic flooding.
Key TEMA initiatives include:
• The ReadyTN Program, which provides real time alerts, preparedness checklists, and guidance for families and businesses
• Statewide resilience planning, emphasizing hazard mitigation, infrastructure hardening, and community level risk assessments
• Public education campaigns encouraging households to maintain emergency kits, communication plans, and evacuation strategies
• Partnerships with local governments to strengthen disaster response capabilities and improve post storm recovery timelines
• Training and exercises that prepare first responders and community organizations for multi hazard events
These initiatives reflect a broader philosophy: preparedness is not merely about surviving a disaster—it is about thriving afterward. TEMA emphasizes resilience as a long term investment, encouraging Tennesseans to build the capacity to recover quickly, maintain economic stability, and support vulnerable populations.
Thriving After the Storm: A Resilience Mindset
Preparedness is more than stocking supplies. It is a mindset rooted in foresight, planning, and community connection. Thriving after a hurricane or natural disaster requires:
• Clear communication plans for families and workplaces
• Financial readiness, including emergency funds and
Step by step, shot by shot, decision by decision. Behind every successful agent is a workers’ compensation partner they can trust completely.
updated insurance coverage
• Physical preparedness, such as securing property and maintaining emergency kits
• Community engagement, ensuring neighbors—especially seniors and vulnerable individuals—are supported
• Mental resilience, recognizing that disasters are stressful and recovery takes time
The 2026 hurricane season, shaped by El Niño and warming oceans, is a reminder that resilience is not a luxury. It is a necessity for every person, household, business, and community.
As we enter the 2026 hurricane season, the convergence of El Niño conditions and elevated Atlantic temperatures creates a complex risk environment. Whether storms are numerous or few, the potential for rapid intensification and widespread inland impacts demands vigilance. Preparedness is not limited to coastal communities; it is a national responsibility. Tennessee’s proactive approach through TEMA’s resilience initiatives offers a model for how states can empower residents to prepare, respond, and recover. For insured clients everywhere, the message is clear: preparedness protects lives, strengthens communities, and ensures the ability to thrive long after the storm has passed. u
Looking to increase the life side of your business without increasing your staff?
Crump Life Insurance Services, the industry’s leading insurance outsourcing organization, is committed to providing premier service to support you and your clients’ needs. The relationship offers you access to life, annuity, long term care, critical care, and disability insurance products, dedicated sales and case management contacts, and an industry-leading web site.
Our Crump team offers you the ability to take advantage of seasoned life insurance professionals to assist with detailed fact �inding, total case design, and face-to-face support with clients at the point-of-sale. In addition to the vast Crump resources and web site, you can now provide a complete value-added service to your clients!
If you have any questions, please contact Christine Munoz at christine.munoz@iiaba.net or call 800-848-4401. ~
protection around the world
Your attorney clients know their firm inside and out. You know your markets and your competitors. At Swiss Re Corporate Solutions, we have the capabilities and the financial strength to meet the risk needs of insureds for Lawyer’s Professional Liability. Whether the risk is basic or complex, we believe there’s only one way to arrive at the right solution. And that’s to work together and combine your experience with our expertise and your strengths with our skills. Long-term relationships bring long-term benefits. We’re smarter together.
FCA Issues Vehicle Recall
How Agents Can Reframe Rate Pressure Into Opportunity Your Big I
By Shawn Moynihan, Aartrijk
Six in 10 U.S. business owners expect their operating costs to rise in 2026, according to a recent report from Nationwide. That expectation alone is enough to shape the conversations independent agents are having with clients.
The same report found that 9 in 10 independent insurance agents are experiencing increased pressure from clients to cut premiums. When commercial clients feel pressure, they look for balance-sheet relief. Insurance premiums, often one of the largest controllable line items, are an obvious place to start.
So how should independent agents navigate these conversations, especially when 53% of those surveyed say that clients have already attempted to renegotiate coverage or policy limits, 48% report that clients have explored changing carriers, and 92% agree that there’s been an uptick in customers seeking better rates over the past 12 months?
Independent agents should anchor discussions around changes in exposure. Has payroll shifted? Has revenue declined or grown? Have operations expanded, contracted or diversified? Has equipment been added or retired?
If a client’s risk profile has genuinely changed, policy adjustments may be appropriate. However, if limits are being reduced solely to achieve a lower premium, the agent’s role is to clearly articulate the downstream consequences.
This is where independent agents differentiate themselves from direct writers. The goal is not to “win” the premium conversation; it’s to ensure the client understands the trade-offs.
The answer is not to retreat into defensiveness, nor is it to reflexively chase lower premiums at the expense of protection. Rather, this moment calls for disciplined, consultative leadership. Here are four ways to do it:
1) Lead with empathy, not explanations. Small and midsize businesses are operating in a world of rising labor costs, supply chain unpredictability and inflation-driven expense creep. When a client says, “We need to cut costs,” that is not a negotiating tactic. It’s a survival instinct.
Acknowledging that reality with the client, rather than launching into explanations about loss ratios or reinsurance markets, creates space for productive dialogue. A simple framing shift matters: “Let’s look at your total risk picture and see where we have flexibility.” For agents, remember that empathy builds credibility and credibility improves retention.
2) Reframe the conversation around risk, not price. When 53% of clients are trying to renegotiate their coverage and limits, it’s tempting to view the conversation as purely transactional. But price-compression conversations can quickly become coverage erosion conversations if not handled carefully.
3) Offer structured cost-control strategies. Mid-market business owners are more likely to have taken action over the past year, bundling policies or consolidating coverage with a single carrier, according to the report. That trend presents an opportunity.
Rather than reacting to rate pressure, agents can proactively present structured options:
• Bundled packages with multiline credits.
• Deductible adjustments with modeled premium impact.
• Loss-control programs that can produce longer-term underwriting benefits.
• Payment plan options that improve cash flow without altering coverage.
By walking clients through scenario-based options, agents shift from being price defenders to risk strategists.
4) Protect the relationship, not just the renewal. The independent agent’s competitive advantage has always been advisory depth. In a soft economy, that advantage becomes even more pronounced.
The agencies that will emerge strongest from this cycle are those that treat premium pressure as an opportunity to deepen client engagement through education, exposure reviews and strategic planning rather than simply negotiating line by line. u
Your Big I
Big ‘I’ Releases 2026 Market Share Report
By: AnneMarie McPherson Spears, IA news editor
The independent agency channel remains strong, with lines of business penetration holding steady as combined ratios improve, according to the Big “I” 2026 Market Share Report. The annual Market Share Report compiles and analyzes property & casualty premium data from AM Best and provides insights for agencies and carriers on current market shares by distribution types.
Based on 2025 data, this year’s report found that the independent agency channel places 62% of all p&c insurance written in the U.S. This is an increase from 61.5% in 2024 and steady with the five-year average of 62%, demonstrating the channel’s stability through the challenges of the hard market.
The independent agency channel maintained its share of commercial and personal lines. Independent agencies wrote 87.7% of commercial lines written premiums, consistent with
87.9% in 2024. Its share of personal lines continued to grow, at 39.5% in 2025 compared to 39.2% in 2024—continuing its trajectory from 36.7% in 2021.
The independent insurance agency channel also gained traction in surplus lines, with a 9.9% utilization rate, up from the five-year average of 9.3%. Private flood had a 52.6% utilization rate, up from the 47.4% five-year average.
Loss ratios improved in 2025, at 57.3% compared to the fiveyear average of 63%. Combined ratios lowered to 88%, from 92% last year and the average of 94% over the past five years. The improvement comes as premiums continue to rightsize, with direct written premiums reaching $1.1 trillion in 2025, up from $1.05 trillion in 2024.
“The resilience of the independent agency channel is evident in this year’s Market Share Report, painting a clear picture of its stability through the hard market,” says Charles Symington, Big “I” president & CEO. “These numbers reflect how integral independent agencies are to the insurance marketplace as they offer both personal and commercial clients the
choice, guidance and service that are essential in the insurance shopping process,” he says. “As the market has begun to shift, the channel is on firm footing and poised to make the most of these improving conditions.”
The Market Share Report is free for Big “I” members and state associations. To order or purchase a copy, visit the Big “I” Market Share Report webpage.
Big ‘I’ Launches TrustedChoice. com Agency Locator
By: Will Jones
The Big “I” has launched its new TrustedChoice.com agency locator that helps consumers find and connect with local independent agents. Available to all Big “I” member agencies, the all-new agency locator maintains TrustedChoice.com’s online recognition and popularity with consumers. The Big “I” now fully manages TrustedChoice.com, and all member agencies are automatically searchable on the site. Consumers can search by coverage needs and location, making it easier to discover and contact a Big “I” member when they are actively shopping for insurance.
While shoppers increasingly start with digital research, they still need guidance to make the right coverage decisions. The platform connects those online searches with independent
agents who can turn interest into business.
“The current market underscores the critical role independent agents play in advising businesses and families,” says Charles Symington, Big “I” president & CEO. “Customers search online to find coverage, and our agencies must be visible and prominent across those channels. This is not a paid subscription service. Our new version of TrustedChoice.com is provided to Big ‘I’ members at no additional cost and connects them with consumers.”
The launch of the new locator marks the final phase of last year’s divestiture of other assets of TrustedChoice.com by the Big “I” to Momentum AMP. Going forward, the Big “I” will operate TrustedChoice.com as a new consumer agency locator and member benefit. Momentum AMP has a separate subscription-based lead generation service that is not affiliated with the Big “I” or Trusted Choice. Any agencies with those paid subscriptions may choose to continue to be serviced by Momentum AMP.
“Our agency locator provides well-established organic web traffic to Big ‘I’ member agencies,” says Kevin Brandt, executive director of Trusted Choice. “Thousands of shoppers visit TrustedChoice.com every month looking for help with their insurance needs. Agencies can maintain an updated, streamlined profile on the agency locator to maximize their visibility to insurance shoppers and generate new business.” u
Company Briefs
Progressive Insurance® Ranks No. 1 on Forbes America's Best Employers for Company Culture 2026 List
Progressive earns the top spot on the Forbes America's Best Employers for Company Culture 2026 list. This recognition highlights the incredible people who truly shape its culture –one where its people are seen, heard, and valued.
"We're honored by this recognition and incredibly proud of the award-winning culture we've built together at Progressive," said Bill Clawson, Progressive's Chief Human Resources Officer. "When you combine a healthy culture with high engagement, real opportunities for career growth, and a chance to make an impact beyond the work, you create a place where people want to stay and do their best in service to each other, our customers, and our communities."
A Company Where Employee Voices are Heard
Listening to employees and acting on their feedback is central to how Progressive builds and sustains its culture. This year, the company launched Progressive Listens, a company
wide employee listening initiative to strengthen feedback channels and improve how employees experience communication and collaboration. Progressive also receives employee feedback through its annual Gallup Engagement & Culture Survey, where the company consistently performs in the 98th percentile of all companies surveyed by Gallup.
Taking feedback received through the survey, 1:1 conversations, Employee Resource Groups (ERGs) and other feedback channels, Progressive has intentionally designed employee benefits and programs around what its people say matters to them and the communities in which they live and work. Some of these meaningful changes in recent years include:
• Expanding its Volunteer Time Off (VTO) program by incorporating organized activities and offering group volunteer days, which enable employees to give back side-by-side.
• Offering six free counseling sessions per issue per year to employees and their household members through the Employee Assistance Program (EAP).
• Launching new 401(k) features designed to give employees more flexibility and personalization as they work to reach their financial goals.
Company Briefs
• Adding belonging and well being measures into its engagement and culture survey.
• Introducing initiatives like Chosen Name, which allow employees to have their preferred or chosen name reflected in key internal systems and tools.
Leadership's Commitment to Culture
Culture at Progressive is a top down commitment. With most of its workforce in a remote or hybrid setting, onboarding, talent development, and employee engagement have been reenvisioned.
In 2025, the insurer launched Destination: Progress, its reimagined employer brand campaign designed to show that although job seekers may come to Progressive for a job, they can stay for a career. CEO Tricia Griffith regularly meets with new hire classes to personally welcome them, explain Progressive's Core Values, and share examples of how they come to life every day. She and the executive team live by the principle "our people before us," which means prioritizing employees' voices and responding to them before responding to a fellow executive.
"We view our culture as a continuous journey, not a finished product, and one we take together," Clawson said. "We expect leaders at every level to create an environment where people can share their perspectives and can risk, learn, and grow. We're willing to try new things, listen carefully to what works and what doesn't, and keep evolving so our culture remains engaging, vibrant, inclusive, and aligned with our Core Values."
Award Methodology
For the list of America's Best Employers for Company Culture, Forbes partnered with market research firm Statista to conduct an independent survey of more than 217,000 United States based employees working at companies with at least 1,000 employees in the U.S. Final scores combine personal evaluations from employees and public evaluations from people familiar with the employer or industry. The 2026 list recognizes 600 employers, with Progressive ranking No. 1 overall.
This Forbes recognition follows Progressive's recent ranking of No. 19 on the Fortune 100 Best Companies to Work For® 2026 list and its Platinum ranking on the Where You Work Matters™ list.
Travelers and the National Trust for Historic Preservation Bring National Resilience Initiative to Connecticut
The Travelers Companies, Inc. (NYSE: TRV) and the National Trust for Historic Preservation today celebrated the third signature stop of their Travelers Across America initiative, a yearlong campaign to restore and protect historic landmarks in honor of the nation’s 250th anniversary. As part of this effort, Travelers and the National Trust are hosting a daylong innovation lab in Mystic, Connecticut, at Mystic Seaport Museum, bringing together experts from across sectors to discuss and develop resilience strategies for communities facing extreme weather risks.
The collaborative workshop will feature community leaders, architects, planners, scientists, academics, insurers and other subject matter experts working together to focus on scalable solutions for communities facing climate challenges. During the event, Travelers and the National Trust will spotlight three Travelers Across America-funded projects that address various extreme weather challenges, including fortifying historic homes against hurricanes in New Orleans, mitigating the impact of wildfires in Los Angeles and adapting to sea level rise in Mystic.
Participants will work in small, specialized teams to tackle design challenges, examining how resilience solutions pioneered at historic properties can overcome technical and financial hurdles to wider adoption. Travelers will also host a Community Day at Mystic Seaport Museum for the broader Travelers community. Employees, agents and brokers will have an opportunity to take in the findings of the innovation lab, explore the historic museum and participate in hands-on volunteer projects.
Travelers and the National Trust are also providing a grant to the museum, which was founded in 1929 to gather and preserve the artifacts of America’s seafaring past, to replace 125 feet of aging docks along its north basin with modern floating docks. The project is part of an ongoing effort to protect the 19-acre campus from the impacts of sea level rise.
“Resilient communities aren’t built by any one discipline –they emerge when people with varied strengths and expertise come together around a shared challenge,” said Janice Brunner, Head of Civic Engagement and Corporate Affairs at Travelers. “The innovation lab is where we put that into practice, and our goal is for the insights we gain in Mystic to have value well beyond Connecticut.”
“Restoring and reviving vulnerable landmarks through the Travelers Across America initiative invites us all to take pride in our heritage as we celebrate America’s semiquincentennial – and reminds us that our future is something we build together,” said Carol Quillen, President and CEO of the National Trust for Historic Preservation. “We’re grateful to Mystic Sea-
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 at www.bigitn.org under "Education" or by contacting Nick Field at nicholas@bigitn.org or 615.515.2606.
Register for CISR & CIC at www.insurors.org under education. Classes with (*) have option for in person or webinar event.
CISR
ABEN Webcasts
(insurors.aben.tv)
The below are examples of the webcast classes that are available at insurors.aben.tv. View website for more.
7/16 Insuring Personal Auto Exposures Webinar
8/13 William T. Hold Seminar Webinar
9/10 Agency Operations Webinar
11/12 William T. Hold Seminar Webinar
12/10 Insuring Commercial Property Webinar
CIC
8/26-27 Commercial Casualty
*Nashville
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.
Company Briefs
port Museum for hosting this signature stop on our yearlong journey and honored that Travelers and the National Trust are able to invest in the future of the nation’s leading maritime museum.”
“The sea has always shaped our physical and cultural world, connecting people, communities and ideas across generations,” said Christopher Freeman, President and CEO of Mystic Seaport Museum. “As sea level rise accelerates, that relationship is becoming an increasingly dynamic reality, making it more important than ever to understand, preserve and adapt our maritime heritage. This funding will help Mystic Seaport Museum protect its historic resources while preparing for the future of our changing coast. We’re extremely grateful for the generous support from Travelers and the National Trust.” Travelers and the National Trust are funding resilience projects in four historic locations around the country through Travelers Across America. In addition to installing floating docks at Mystic Seaport Museum, the partners are helping to fortify historic homes for low- and moderate-income homeowners in New Orleans, provide fire-adapted landscaping at the Eames House in Los Angeles, and replace a hail-damaged roof with a historically appropriate, weather-resilient design at Oliver Kelley Farm in Elk River, Minnesota.
Erie Insurance ranked highest for customer
satisfaction in JD Power 2026 U.S. Insurance Shopping Study
Erie Insurance (ERIE) ranked highest for customer satisfaction among large auto insurers in the JD Power 2026 U.S. Insurance Shopping StudySM, marking the third consecutive year ERIE has earned the top ranking. ERIE received a score of 719 on a 1,000-point scale, the highest among large auto insurers in the study. Now in its 20th year, the study evaluates the insurance shopping experience across four key factors: quote process, price, distribution channel and policy offerings.
"We're honored to be recognized by customers for the third consecutive year," said Bob Buckel, ERIE's vice president, personal auto. "Shopping for insurance can be complex, and our independent agents are committed to making that experience straightforward, personal and focused on each customer's needs. This recognition reflects the trust customers place in ERIE and our agents every day."
The JD Power 2026 U.S. Insurance Shopping Study examines the auto insurance shopping process, including what drives customers to shop, how they evaluate insurance brands and how they make purchasing decisions. The study provides insights to help insurers improve customer satisfaction and marketing effectiveness.
Meetings- Mark Your Calendars
Big I Education Convocation
September 29 - October 2, 2026
Big I Fall Leadership
September 30 - October 3, 2026
Hilton Baltimore Inner Harbor
Baltimore, MD
Hilton Baltimore Inner Harbor Baltimore, MD
Young Agents Leadership Institute
October 2 - October 3, 2026
Insurefest 2026
October 13 - October 16, 2026
Hilton Baltimore Inner Harbor Baltimore, MD
JW Marriott Nashville, TN
Young Agent: Agents, CSR's, and company representatives under 40 years of age or an agent who has been licensed for less than five years.
The Young Agents program is tailored towards agents, CSR's and company representatives who are hungry to grow in the insurance industry by cultivating business relationships, enhancing industry knowledge, and leading their peers into the future of our industry.
Does this sound like you? Visit bigitn.org/young-agents/ for details to join our exclusive LinedIn group and email list.
How can you get involved with WINS?
• Reach out to the women on staff and let them know that you are interested!
• Attend our events in your area!
• Reach out to other women in our industry to encourage involvement in WINS!
• Visit https://www.bigitn.org/wins-women-in-insurance/ to find a link to our exclusive WINS group on LinkedIn and subscribe to our email blasts.
Company Briefs
The study is based on responses from 12,437 insurance customers who requested an auto insurance price quote from at least one competitive insurer in the previous six months. The study was fielded from January 2025 through January 2026.
CRC Group Names Bethany Greenwood Chief Executive Officer of Underwriting Division
CRC Group, a leading wholesale specialty insurance distributor, today announced Bethany Greenwood has been named Chief Executive Officer of the Underwriting Division.
Greenwood brings more than 25 years of specialty insurance leadership experience spanning brokerage, underwriting, and executive management. Throughout her career, she has developed deep knowledge of specialty lines, leading highperforming teams and driving growth across complex insurance organizations.
Most recently based in London and relocating to the U.S., Greenwood has held a series of senior leadership positions, including Head of Specialty Risks for a global specialty insurance and reinsurance firm. In these roles, she has focused on expanding specialty product offerings, driving innovation, strengthening trading partner relationships, and delivering profitable growth across a diversified portfolio.
Greenwood’s appointment comes during a period of significant growth and investment in CRC Group's underwriting platform. Over the past several years, the organization has strategically expanded its capabilities through a series of acquisitions and investments, broadening its product offerings, geographic reach, and market presence.
Today, the underwriting division includes Starwind Specialty, AmRisc, Atrium, and Euclid Transactional, providing specialized solutions in offices across nine countries and in property, casualty, transactional liability, and other specialty lines. In this role, Greenwood will lead the continued development of these businesses while advancing CRC Group's long-term specialty underwriting strategy.
"Bethany brings an exceptional combination of underwriting expertise, specialty market knowledge, and proven leadership," said Dave Obenauer, Chief Executive Officer, CRC Group. "Her experience growing businesses and building strong relationships across the market will be instrumental as we continue to invest in our underwriting platform and deliver value to our clients and trading partners."
"I am excited to join CRC Group at such an important time
in the company's growth," said Greenwood. "CRC has established a strong reputation for innovation, expertise, and strong client relationships. I look forward to working with the talented team across the organization to build on that success and continue expanding our specialty underwriting capabilities."
RLI Promotes Kevin Brownell to Vice President, Claim
RLI Corp. today announced that Kevin Brownell, Assistant Vice President, Claim, has been promoted to Vice President, Claim. In his new role, Brownell will provide executive leadership and oversight for RLI’s Casualty claim operations.
“Kevin is a respected leader with deep claims expertise, sound judgment and a strong commitment to service excellence,” said RLI Corp. Chief Operating Officer Jen Klobnak. “His contributions have helped strengthen our Casualty claim operations, enhancing technical excellence and customer service. We are confident he will continue to build on that success in his new role.”
Brownell joined RLI in 2018 as Claim Director and was promoted to Assistant Vice President, Claim in 2023. He brings more than 25 years of insurance claims and legal experience to his new role. Brownell earned a bachelor’s degree from the University of Illinois Urbana-Champaign and a Juris Doctor from the University of Illinois College of Law.
Jencap Promotes Anthony Manna
Jencap Group LLC (Jencap), one of the nation’s largest wholesalers, is pleased to announce that Anthony Manna is being promoted to Executive Vice President and will lead the Southeast region for Jencap’s Professional Lines division. As part of this promotion, he will also relocate to Atlanta, GA. “Anthony’s deep expertise and leadership have been instrumental in driving growth and innovation within our Professional Lines division. His commitment to excellence and ability to build strong relationships make him the ideal leader to expand our Professional Lines presence in the Southeast,” said Deborah Dioguardi, Jencap Professional Lines National Practice Leader.
Anthony has spent his entire career as a specialized Professional Lines broker and is a highly sought after expert in his craft. He has worked at Jencap for 15 years (formerly NIF Group to start). In his new role, Anthony will oversee the professional lines teams across the Southeast, continue to grow his existing book of business, and will be actively searching for new talent in this region. u
Directory of Advertisers
What's New on Agency Nation Radio?
Agency Nation Radio is where insurance professionals turn on the mic and share unscripted stories about leadership, technology, marketing, success and failure—stories that helped make them the professionals they are today. From Main Street USA to the pages of Independent Agent magazine—we’ve got the stories you want to hear. For more, catch Agency Nation Radio on your favorite streaming platform or visit iamagazine.com/podcasts.
From Protecting the Pocket to Protecting Clients • Episode 512 • June 24, 2026
On this episode of Agency Nation Radio, Ashley Engl, director of technology learning & innovation at Walsh Insurance and a member of the Big “I” Young Agents Committee, sits down with two emerging industry leaders whose journeys began on the football field.
From Recruiting to Revenue: Building an Automated Future • Episode 511 • June 17, 2026
Everyone in insurance talks about growing distribution. But the gap between wanting more producers and actually activating them fast is where agencies lose ground — and talent. If you’ve ever watched a promising new producer sit idle for weeks waiting on appointments and contracting, this conversation is for you.
The Gold Standard for a Family-Run Agency with Jackson Rollo • Episode 510 • June 9, 2026
On this episode of Agency Nation Radio, we meet Jackson Rollo, president of Rollo Insurance in College Station, Texas
From Legacy to Expansion with Robert Strachan • Episode 509 • May 27, 2026
On this episode of Agency Nation Radio, we meet Robert Strachan, President of Strachan Novak Ins. in Twinsburg, Ohio.
Amy Zupon, Vertafore CEO, Talks Accelerate, Digital Transformation and AI • Episode 508 • May 19, 2026
On this special episode of Agency Nation Radio, Will Jones, editor-in-chief of Independent Agent magazine, chats with Amy Zupon, chief executive officer, and Rick Warter, chief customer officer, both from Vertafore, during last month’s Accelerate conference in Las Vegas. The Accelerate conference is an annual event for independent agents and brokers and Vertafore users to connect, learn, and get a look at what’s next for Vertafore and the industry. During Jones’ conversations with the two Vertafore leaders, they chat with him about digital transformation, keeping a human in the loop and, of course, artificial intelligence (AI).
Luke Bills on Liberty Mutual’s Agent Strategy, AI and the Safeco Brand • Episode 507 • May 6, 2026
On this episode of Agency Nation Radio, Will Jones, editorin-chief of Independent Agent magazine, interviews Luke Bills, president of independent agent distribution at Liberty Mutual.
Digital Relevance in the Age of AI • Episode 506 • April 22, 2026
On this episode of Agency Nation Radio, Kasey Connors, executive director of the Big “I” Agents Council for Technology (ACT), dives into one of the most important themes from the 2026 Tech Trends Report: digital relevance in an artificial intelligence (AI)-driven world.
From Capitol Hill to Main Street: The Legislative Issues Impacting Agents Now • Episode 505 • April 15, 2026
Before you meet with lawmakers on Capitol Hill, tune in for a special episode of Agency Nation Radio where Nathan Riedel, senior vice president of federal government affairs; Raaed Hadad, director of federal government affairs; and Corey Miller, director of federal government affairs, break down the key issues shaping this year’s legislative landscape.
Advocacy in Action with Scott Gray • Episode 504 • April 8, 2026
On this episode of Agency Nation Radio, we meet Scott Gray, owner of SouthGroup Insurance Services in Meridian, Mississippi.
A Seat at the Table and What We Do With It • Episode 503 • March 24, 2026
On this episode of Agency Nation Radio, Jill Roth, executive vice president of Ahart Frinzi and Smith hosts a conversation with Louise “BeBe” Canter, former Big “I” president, senior vice president at USI Insurance Services, and a Woodworth Memorial Award Winner, and Angela Ripely, current Big ‘I’ chair and president of VW Brown Insurance. In the long history of the Big “I,” Canter and Ripley are the only two women who have served as the association’s chair. During Women’s History Month, they discuss leadership, what inspired them to run for the position, and what it means to use your voice inside the independent agency system. u
Workers’ Compensation Insurance
INESSES
MidSouth partners with 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 fifteen states with expansion into additional states planned.
+ Experienced underwriters who take the time to understand your risk.
+ Professional claims handling that protects the employer and employees.
+ A Exceptional Financial Stability Rating® from Demotech, Inc.
