Tennessee Insuror - September-October 2025

THE TENNESSEE INSUROR

Phone 615.385.1898

Toll Free: 1.800.264.1898

Email: marketing@insurors.org

Editor: Kristen Gulson

Publisher: MarketWise, Inc

INSURORS OFFICERS

President .......................................................................Bobby Sain

IIABA National Director ........................John McInturff III, ARM

VP Region I, President-elect .............Battle Bagley, III, CIC, CPA

VP Region II .................................................................Portis Tanner

VP Region III ................................................................Kevin Ownby

Treasurer ......................................................Richard Whitley, CIC

Secretary ................................................................Brandon Clarke

Director, Region I ............................................Andrew Maddox

Director, Region I ............................................Pam Lofton-Wells Director, Region I ............................................Sam Bradshaw, IV

Director, Region II ................................. Matt Felgendreher, CIC Director, Region II ................................................... Jessica Govic Director, Region II .....................................Cameron Winterburn Director, Region III ...................................................Josh Gibbons Director, Region III ....................................................David Clark

Director, Region III .................................................. Stuart Oakes

Director, Young Agents ...................................Clark Kelman, CIC

Immediate Past President ................. Kym Clevenger, CPCU ADVERTISING

Display advertising rates, deadlines and specifications may be obtained by writing to Insurors of Tennessee, 2500 21st Avenue South, Suite 200, Nashville, TN 37212, calling 615.385.1898, e-mailing marketing@insurors.org or online at www.insurors.org

OF TENNESSEE

2500 21st Avenue South, Suite 200 Nashville, TN 37212-0539

www.insurors.org

Welcome to Insurefest 2025 and Memphis, TN

Whether you’re a longtime member or a first-time attendee, Insurefest is your opportunity to connect with peers, grow your business, and be part of something bigger. Get ready for the exciting days ahead!

Schedule - Central Time Zone - Details are subject to change

SATURDAY, October 11

5:00 PM - 7:00 PM | Registration Hub Open | Southeast Ballroom Foyer

5:00 PM - 7:00 PM | Welcome Social | The Lobby Bar Sponsored by EMC Insurance

Welcome to the heart of Memphis for Insurefest 2025, the premier annual convention hosted by the Insurors of Tennessee. This high-energy event brings together independent insurance agents, industry leaders, carriers, and partners from across the state for three unforgettable days of connection, education, and celebration.

Insurefest blends valuable professional development with Southern hospitality and entertainment. We invite you to enjoy:

• Expert-led education and CE opportunities

• A dynamic trade show of top industry partners

• Exclusive networking receptions and events

• Engaging keynote speakers

Our 132nd Annual Convention

SUNDAY, October 12

9:00 AM - 4:30 PM Registration Hub Open | Southeast Ballroom Foyer

9:00 AM - 10:30 AM Board of Directors Meeting (Private)

11:00 AM - 1:00 PM Annual Meeting & Keynote Speaker | Southeast Ballroom

• "M&A Trends in Independent Agency Marketplace" presented by Carey Wallace

12:00 PM - 1:30 PM Exhibitor Setup | Tennessee Ballroom

1:30 PM - 4:30 PM Tradeshow | Tennessee Ballroom | Sponsored by Westfield

• Door prize winners will be announced at 3:00 PM

4:30 PM - 5:30 PM Exhibitor Breakdown | Tennessee Ballroom

6:30 PM - 9:30 PM Shine & Dine - Awards, Dinner & Live Music | Southeast Ballroom

• Live performance by Ghost Town Blues Band

MONDAY, October 13

8:00 AM - 1:30 PM Registration Hub Open | Southeast Ballroom Foyer

8:00 AM - 9:00 AM Breakfast & Networking | Southeast Ballroom

9:15 AM - 10:15 AM Education Session

• "Valuation Drivers in Your Agency" presented by Carey Wallace

10:30 AM - 11:30 AM Education Session

• "Ten Challenges for Your Agency and How to Navigate Them" presented by Kelly Donahue-Piro

11:45 AM - 1:15 PM Lunch & Learn: Curated by the WINS Committee | Southeast Ballroom

• MORE INFORMATION COMING SOON

1:30 PM - 3:00 PM Part I: Martin & Zerfoss Activity - Education Session | Lakeview I

3:00 PM - 5:30 PM Part II: Martin & Zerfoss Activity - Murder Mystery | Lakeview II

•Please note: You must attend Part I in order to join Part II

6:30 PM - UNTIL Company Night - Dinner on own

8:30 PM - 10:30 PM Rhythm & Risk: The After-Hours Singo Social | Southeast Ballroom

TUESDAY, October 14th

7:00 AM - 9:00 AM To-Go - Fast Track Breakfast Bar | Southeast Ballroom Foyer

Hotel Key Card sponsored by Enterprise | Event Lanyard sponsored by Travelers

*A copy of the Annual Business Meeting Agenda is provided on page 52.

This concludes The insurors of Tennessee 132 Annual Convention. Thank you for attending and please enjoy safe travels home.

Thank You Convention Sponsors!

Meet Your 2025 Convention Speakers

Kelly Donahue-Piro

Occupying the happy helm of Agency Performance Partners (APP), Founder and President Kelly Donahue-Piro is an innovative force of nature—both in the eyes of the more than 1000 insurance agencies she’s advised over the years and the thousands of regional and national conference attendees who’ve benefited from her inspiring talks. Kelly sees her insurance consulting and training firm (and herself!) as a “BFF” to insurance agency owners: Not only does she bring them “the goods” of transformative training and results-oriented processes and strategies, she and her team come alongside, ready with a comforting arm around the shoulder when times are tough and a high-five when the successes are rolling in. As a highly sought after conference speaker, Kelly draws on her over fifteen years of advisory experience to inspire conferees to become confident, informed, “Ridiculously Amazing” insurance agents.

that caught the attention of colleagues and clients alike. Following a five-year stint as Vice President in charge of Client Services for a groundbreaking insurance digital marketing firm (named one of America’s fastest growing companies at the time by Inc Magazine), Kelly began specializing in the local insurance agency sector and founded APP in 2014. Her specialties in this role include executive-level coaching and consulting on leadership, benchmarking, agency culture change, retention skills, account rounding, upselling, sales scripting, and much more.

Kelly’s professional journey began with a Bachelor of Science degree in Relationship Marketing from Bentley University in 2003. She quickly proved to be a client relations and marketing visionary, with fresh ideas and an indomitable spirit

When she’s not huddled with a client partner, creating growth strategies for upcoming quarters, or up on the stage delighting and motivating insurance agents fresh from the trenches, Kelly is likely be found at home snuggling on the couch with her adorable dog America and husband Andrew or perhaps engaging in one of her other favorite pastimes: working out, reading, cooking, or eating. (And as Kelly is quick to point out, the last two go together!)

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.

Carey Wallac, CEPA

Carey is a co-host of Insurance Refocused Podcast, a platform that explores the latest trends, challenges, and opportunities in the insurance industry. She is also a founder of AgencyFocus, a consulting firm that helps small business owners leverage data to make informed decisions, grow, and succeed. She is a Certified Exit Planning Advisor (CEPA), a credential that demonstrates her knowledge and skills in helping business owners prepare for transition or exit.

With over 28 years of experience in various leadership roles in the insurance sector, Carey has a proven track record of developing and implementing strategic plans, translating theory to practical application, and deploying tactics that produce effective results. She is passionate about helping small businesses win and empowering them with data-driven insights and solutions.

She has worked with technology startups, nonprofit organizations, insuretech, and small business clients, delivering value in areas such as budgeting, business planning, financial forecasting, operations, and strategic planning. u

Special Bulletin: Annual Business Meeting - October 12, 2025

The following association changes are to be voted on by our agency members at the Annual Business Meeting being held at the Memphis Hilton on Sunday, October 12 at 11:00 in the morning in conjunction with our 2025 Annual Convention in Memphis. Agency members must be present at the Annual Business Meeting to vote.

Immediate Past President – Bobby Sain (Region I)

President – Battle Bagley III (Region II)

President-Elect –Kevin Ownby (Region III)

IIABA National Director - Elected for 3-Year Term

John McInturff III (Region III) nominated for another term

Vice Presidents - Elected Annually

Region I Portis Tanner has served 1 year

Region II Battle Bagley III (moving to President)

NOMINEE Paul Steele

Region III Kevin Ownby has served 2 year (Moving to President-Elect)

Treasurer - Elected Annually

Treasurer Richard Whitley has been nominated to continue 1 year of service

Secretary - Elected Annually

Secretary Brandon Clarke has been nominated to continue 1 year of service

Directors - Elected for 3-Year Term

Region I Pam Wells has served 3 years.

NOMINEE Tim Treadwell

Region I Andrew Maddox has served 2 years. Region I Sam Bradshaw IV has served 1 year.

Region II Cam Winterburn has served 3 years.

NOMINEE Jack Thoma

Region II Matt Felgendreher has served 2 years.

Region II Jessica Govic has served 1 year.

Region III Josh Gibbons has served 3 years.

NOMINEE Mitch Rader

Region III Stuart Oakes has served 2 years.

Region III David Clark has served 1 year.

Young Agent Director - Elected Annually

Clark Kelman has served his term.

NOMINEE Jonathan Peters u

We’re right here to do more.

To help support both your physical and mental health while giving back to our communities is to go beyond what is expected from a health insurance company. And that’s exactly why we do it.

Visit and Support Our Exhibitors

Aegis General Ins Agency

American Collectors Insurance

AmTrust

Anzen

Applied Systems, Inc.

Arbour Specialty

Arcus Restoration

Arlington/Roe

Auto-Owners Insurance

Bailey Special Risks

Ben McKee

Berkley Small Business Solutions (BSB)

Builders

CGI Digital

Church Mutual Insurance Company

Commercial Sector Insurance Brokers

CRC Group

Enterprise

ePayPolicy

Frank Winston Crum Insurance

Frontline Insurance

Glatfelter Insurance

Hagerty

HawkSoft, Inc.

ICW Group Insurance Companies

Imperial PFS

Jack Morris Auto Glass

Jencap Insurance Services Inc.

Kevin Davis Insurance Services

Liberty Mutual Insurance

LUBA Workers' Comp

Markel Specialty

Martin & Zerfoss

McGowan Companies, The

MEM

MidSouth Insurance Company

National General, an Allstate company

North Point Underwriters, Inc.

Openly

Palomar Specialty Insurance Company

Penn National Insurance

Pennsylvania Lumbermens Mutual

PLRisk Specialty Insurance Agency, Inc.

Premium Logic

RLI Insurance/Surety Division

RT Specialty

SIAA

Society Insurance

South & Western

Southern Pioneer P & C Ins. Co.

Southern Trust

Steadily

Stonetrust Workers' Compensation

TAPCO Underwriters

The National Security Group

The Service Insurance Company

Tokio Marine HCC - Surety Group

Travelers

Venture Insurance Programs

Wholesure

Big “I” Fall Leadership Conference 2025 Nashville, Tennessee: A Recap

The Big “I” Fall Leadership Conference and Young Agent Leadership Institute, held September 9–14, 2024, at the Grand Hyatt in Nashville, Tennessee, brought together independent insurance agents, state association leaders, education directors, and emerging professionals from across the country for a week of collaboration, innovation, and recognition.

The Insurors of Tennessee was proud of Nashville as the host city for this important annual national conference. We hope everyone who attended benefited from the many sessions held throughout the conference and the slate of speakers who shared their considerable experience and knowledge about multiple topics with the attendees. Thank you to the Young Agents of Tennessee for hosting a social gathering for Young Agents from around the country for the Young Agents Leadership Institute. We hope everyone enjoyed all that Music City has to offer as one of America’s premier travel destinations.

The Big “I” Fall Leadership Conference is also important as it serves as the organizational platform for the Big “I” to conduct the important business of the association. The conference sets up the Big “I” to go forward for the next year and beyond relative to key initiatives and plans. It is also when the top leadership of the Big “I” changes each year.

We thank Todd Jackson, owner and partner of McGowan Insurance Group of Indianapolis, Indiana who served as the 2024-2025 Chairman of the association for his leadership and service to the association this past term. Well done, Todd! We now welcome incoming Chairwoman Angela Ripley, President of VW Brown Insurance in Columbia, Marland and look forward to the leadership and guidance she will bring to the Big “I” at a time of great change in our industry and nation. Be sure to read the article in this issue of the Tennessee Insuror that introduces you to Angela Ripley. It is a great opportunity to get to know your new Chairwoman who will lead the Big “I” at the national level for the 2025-2026 term.

A Gathering of Industry Leaders

The conference served as a dynamic platform for professionals in the independent agency system to explore strategies for thriving in a rapidly evolving industry. Attendees engaged in sessions focused on leadership development, operational modernization, and the integration of artificial intelligence into agency workflows. The event emphasized the importance of building strong professional networks and fostering volunteer leadership within state associations.

The Education Convocation (September 9–12) and the Fall Leadership Conference (September 10–14) featured a wide array of sessions tailored to help attendees adapt to change and lead with confidence. The Young Agents Leadership In -

stitute (YALI), held September 11–13, was a high-energy experience designed specifically for rising talent in the industry.

Young Agents Leadership Institute Highlights

YALI offered a unique blend of professional development, networking, and fun. The event kicked off with a social gathering hosted by the Young Agents of the Insurors of Tennessee at Pins Mechanical Co, setting the tone for a collaborative and engaging experience.

Key sessions included:

Opening General Session with keynote speaker Juan Bendana, a confidence coach to top CEOs and Olympians. Bendana energized the audience with insights into activating a confidence mindset to lead boldly and thrive through change.

Š AI + Process: Tactical Tools for Young Leaders, where attendees learned how to leverage artificial intelligence to drive ROI in their agencies.

Š Networking to Build Strong Professional Relationships, led by Jenna Rogers, focused on enhancing personal branding and communication strategies.

Š State Success Sharing, a candid session where Young Agent Committees from across the country exchanged best practices and lessons learned.

Š The institute concluded with a tour linking insurance to Nashville’s historic music venues, reinforcing the city’s cultural significance and the importance of storytelling in the insurance profession.

Awards and Recognition

A major highlight of the conference was the celebration of excellence through various awards. The Independent Insurance Agents & Brokers of South Carolina (IIABSC) received two prestigious honors:

Excellence in Education Diamond Award– IIABSC was recognized for the 14th consecutive year for its outstanding

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.

contributions to member education. This award, the highest level of recognition in the IIABA Education Convocation, celebrates excellence in continuing education, professionalism, industry collaboration, and resource development. Having earned the award for over a decade, IIABSC now holds Diamond Elite status.

Becky McCormack, IIABSC President/CEO, emphasized the organization’s commitment to high-quality education: “Our programs make our members better at what they do, and therefore a better choice for their customers.”

Young Agent Political Involvement Award– The IIABSC Young Agents program was honored for its exceptional efforts in engaging young professionals in grassroots advocacy and state government affairs. This recognition highlights the program’s success in fostering political awareness and involvement among emerging leaders.

The award was accepted by a team of Young Agent leaders including Bret Carter, Cait Collins, Kelly Wenzel, and Marshall Stine, among others. Their dedication to community service, membership development, and political engagement continues to set a national standard.

Notable Accomplishments

Š Beyond the awards, the conference showcased several notable accomplishments:

Š Integration of AI into Agency Operations: Casey Nelson’s session on modernizing operations with AI offered actionable insights for agencies looking to streamline workflows and improve client engagement.

Š Enhanced Networking Opportunities Across the Big “I”: The conference facilitated meaningful connections among attendees, fostering collaboration across state lines and professional roles.

Š Commitment to Volunteer Leadership: Sessions focused on strengthening volunteer organizations underscored the importance of grassroots leadership in sustaining the independent agency system across America.

Conclusion

The 2024 Big “I” Fall Leadership Conference and Young Agent Leadership Institute in Nashville was more than just a professional gathering—it was a celebration of innovation, leadership, and community. From inspiring keynote speakers to impactful awards, the event reaffirmed the strength and resilience of the independent insurance agency system.

As the industry continues to evolve, the insights and connections forged during this week-long event will empower agents and leaders to navigate change with confidence and purpose. The success of the IIABSC and its Young Agents program serves as a shining example of what can be achieved through dedication, collaboration, and a commitment to excellence. u

2025 Big I Fall Leadership Fall Leadership Award Winners

The Professional Independent Insurance Agents of Colorado (PIIAC) received the Big “I” Membership Growth Award for its outstanding 12.4% growth from January 2024 to January 2025. This achievement reflects PIIAC’s commitment to strengthening the independent agency channel through professional development, advocacy and a comprehensive suite of services. Its member-first approach and continued outreach have helped independent agents across the state thrive.

The Independent Insurance Agents of North Carolina (IIANC) received the Outstanding Membership Champion Award for its service-driven, relationship-focused approach to membership. In the wake of Hurricane Helene, the IIANC team stepped up by making more than 300 direct relief calls, deploying a catastrophe response unit and ensuring members had access to critical recovery resources. IIANC also expanded outreach through agency visits, invested in future industry talent and welcomed non-members to their flagship event, highlighting the unmatched value of Big “I” membership.

Additionally, the Big “I” national Young Agents Committee (YAC) presented the 2025 Outstanding Young Agents Committee of the Year awards in the following categories:

YAC of the Year: FAIA Young Agents Council

Political Involvement Award: Young Agents Committee of Big I South Carolina

Workforce Development Award: Big I Michigan NextGen Leaders and the IIANC iLEAD

Membership Development Award: Big I Oklahoma Young Agents

Community Service Award: Big I Michigan NextGen Leaders

Young Agents Annual Meeting Award: Young Agents of Kansas and the Big I Oklahoma Young Agents

Breakthrough YAC Award: Big I New York NextGen

Innovator Award: IIANC iLEAD

The Young Agents of Kansas and the IIANC iLEAD were inducted into the Hall of Achievement , an honor reserved for YACs that have won the five key young agent awards: political involvement, workforce development, membership development, community service and young agents meeting. Reaching this milestone requires consistent leadership, teamwork and commitment to excellence.

The Young Agents State Liaison of the Year Award: Jake Smith, Insurors of Tennessee

Big I Excellence in Education Award: Insurors of Tennessee

From Your President

Bobby Sain

Welcome to the 132nd Insurors of Tennessee Annual Convention

It is difficult to believe the time for the 132nd Insurors of Tennessee Annual Convention is here and my tenure as your President will soon come to a close. I often think about the great heritage of this association and its ability to successfully navigate the twists and turns of history. I have also wondered what was happening in America in 1893 when a group of visionary and brave insurance professionals gathered in Nashville to form what would ultimately become the Insurors of Tennessee. So, I did a little research. It turns out that the nation was facing serious economic headwinds in a time of dynamic change. It was a time of real challenge for many. Here is a short history of three major events around the time this association was formed:

1. The Panic of 1893

A major financial crisis that led to a deep economic depression. It was triggered by the collapse of railroad companies and shaky banking practices. Over 500 banks and 15,000 businesses failed, and unemployment soared. The panic had long-lasting effects on U.S. politics and economics, contributing to the rise of the Populist movement.

2. Grover Cleveland Begins His Second Term

Grover Cleveland was inaugurated for his second non-consecutive term as President on March 4, 1893, making him the only U.S. president to serve two nonconsecutive terms (22nd and 24th president) to that point. His second term was dominated by the economic crisis and debates over monetary policy.

3. The World's Columbian Exposition Opens in Chicago

Also known as the Chicago World's Fair, it opened in May 1893 and celebrated the 400th anniversary of Columbus’s

voyage. It highlighted American industrial and cultural achievements, introduced the Ferris wheel, and influenced architecture and urban planning across the country.

As Mark Twain once said, “History doesn’t repeat itself, but it often rhymes.” His comment certainly seems right given the parallels of 1893 to 2025. While our economy is not in the dire circumstances of 1893, we are facing economic turbulence, a rapidly changing world, and a business environment that is at best difficult to forecast. Interestingly, President Grover Cleveland was the first president to serve two non-consecutive terms and now President Donald J. Trump is only the second president to serve non-consecutive terms. In American politics, this is certainly an anomaly.

I took us down this short walk-through history to encourage you to think about all those who came before us to make this association what it is now as we convene the 132nd Insurors of Tennessee Annual meeting at the Hilton – Memphis. Just as they did, we have adapted to a changing world and ever shifting insurance landscape. We are the future of the Insurors of Tennessee or Big “I” Tennessee as it will also be known going forward. We now carry the Insurors of Tennessee torch forward to fulfill our 132-year-old mission to serve independent insurance agents and shape the insurance industry in this state and beyond!

Just a few weeks ago we concluded the Big “I” National Leadership Conference held in Nashville where we welcomed Big “I” leadership and members from across America to Music City. During the conference attendees had the opportunity to learn about a broad spectrum of

insurance-related topics from leadership and industry experts. From education to leadership, to young agents, the conference offered members many takeaways that will propel the state chapters of the association forward as well as member agencies across our country. I want to take this opportunity to thank the Young Agents of Tennessee for organizing and sponsoring a great social event to bring young agents together to set the stage for the Young Agents Leadership Institute this year. We hope the leadership and members who came to Nashville for the national conference had a great week and enjoyed Nashville.

As I approach the end of my term as President, I want to thank the members of the Insurors of Tennessee Board, the Young Agents, Women in Insurance (WINS) group, sponsors, members, and Insurors of Tennessee staff for contributing to the growth, development and success of this association. We are on the move and advancing across this association in service of our members and our industry in Tennessee.

In the coming weeks, I will be working and coordinating with incoming President Battle Bagley. Battle is an insurance agency principal who is a veteran of the insurance business and has been serving on the Insurors of Tennessee Board for several years now. He has the experience and knowledge to continue the forward momentum of the Insurors of Tennessee. You’ll learn more about Battle in the next issue of the Tennessee Insuror magazine. I look forward to working with Battle through the leadership transition! u

From Your Executive Director

Kristen Gulson

Insurors of Tennessee 2025 Annual Convention: Celebrating 132 Years of Excellence

The Insurors of Tennessee 132nd Annual Convention, known as Insurefest 2025, is set to take place from October 11–14, 2025, at the Hilton Memphis. This milestone event marks more than a century of dedication to Tennessee’s independent insurance agents and the broader insurance community. As one of the oldest and most respected professional associations in the state, the Insurors of Tennessee continues to uphold its mission of empowering agents through education, advocacy, service, and connection. The annual convention is a cornerstone of that mission.

A Historic Gathering in a Vibrant Setting

This year’s convention is not just another meeting—it’s a celebration of 132 years of service to the insurance industry. The Hilton Memphis, located in East Memphis, provides a fitting backdrop for this prestigious event. With its blend of Southern hospitality and modern amenities, the venue sets the stage for a dynamic and engaging experience.

Insurefest 2025 promises three days of high-energy programming, including expert-led education sessions, continuing education (CE) opportunities, a robust trade show, and exclusive networking events. The convention is designed to foster both professional growth and personal connection, making it a mustattend for members across the state.

Why the Annual Convention Matters

The Annual Convention is more than a tradition—it’s a strategic platform for advancing the goals of the association and members. Here’s why it’s important.

Professional Development: With sessions led by industry experts like Carey Wallace and Kelly Donahue-Piro, attendees gain insights into critical topics such

as agency valuation, mergers and acquisitions, cyber insurance, and operational challenges. These sessions equip agents with the tools and knowledge needed to thrive in a rapidly evolving marketplace.

Networking and Collaboration: The convention brings together independent agents, carriers, vendors, and thought leaders from across Tennessee. Events like the Welcome Social, Shine & Dine Awards Dinner, and the Rhythm & Risk Singo Social provide informal yet impactful opportunities to build relationships and share ideas.

Recognition and Celebration: The Shine & Dine event honors top achievers with awards and features a performance by the Ghost Town Blues Band. This celebration of excellence reinforces the value of hard work and innovation.

Trade Show Access: The dynamic trade show features leading industry partners showcasing the latest products, services, and technologies. It’s a chance for agents to explore innovative solutions and strengthen their agency offerings.

Association Business and Governance: The Annual Meeting, held during the convention, is vital to the governance of the association. Members take part in discussions that shape the future of the organization, ensuring transparency and member-driven leadership.

A Convention That Reflects the Spirit of the Industry

Insurefest 2025 is not just about business—it’s about celebrating the spirit of the independent insurance industry. From the Murder Mystery activity hosted by Martin & Zerfoss to the After-Hours Singo Social, the event blends learning with fun, creating an atmosphere that is both productive and enjoyable.

The Hilton Memphis will host a variety of events across its ballrooms and meeting spaces, including breakfasts, luncheons, and evening socials. The schedule is packed with opportunities to engage, learn, and celebrate, making it one of the most anticipated events of the year for Tennessee’s insurance professionals.

Looking Ahead

As the Insurors of Tennessee marks its 132nd year, the Annual Convention stands as a testament to the association’s enduring commitment to its members. It’s a time to reflect on past achievements, address current challenges, and chart a course for the future. Whether you're a seasoned agent or a newcomer to the industry, Insurefest 2025 offers a unique opportunity to be part of something bigger—a community that values excellence, innovation, and connection.

Thank you to our Sponsors

I want to take this opportunity to thank our sponsors for their support of the convention and throughout the year. Through your contributions and participation, we can host this state-wide convention offering an exceptional event to the benefit of all members. Your support enables us to power our initiatives and mission to support a healthy and vibrant insurance industry in Tennessee. We enjoy one of the most robust and stable insurance markets in the nation. This does not occur via happenstance or luck. It is because of the active engagement of sponsors, members, and association staff.

Once again thank you to our sponsors and everyone who works to advance the mission of the Insurors of Tennessee. I look forward to seeing you in Memphis! u

Tennessee Young Agents '25 Young Agent’s Leadership Institute 2025

Across the nation Young Agent chapters associated with state Big “I” associations are on the move and contributing substantially to the growth and development of their state associations. At both the state and national levels the Big “I” has been focused on supporting and championing the work of Young Agents across America.

While Young Agents have always been an important part of state associations, more emphasis is being placed on this important group to support the development of future leaders for agencies, state associations and at the Big “I” in the nation’s capital.

To be clear, participants in the Young Agent programs across America are the future leaders of our industry. In keeping with this emphasis, at the Young Agents Leadership Institute held in Nashville this year several state Young Agent chapters were recognized for their success.

The award winners are as follows:

YAC of the Year.

In recognition of the outstanding efforts of a state YAC to foster association growth and secure the future of the independent agency system.

Winner: FAIA Young Agents Council

Political Involvement.

For outstanding achievement in promoting Young Agent involvement in the legislative process.

Winner: Young Agents Committee of Big I South Carolina

Workforce Development.

For outstanding achievement in educating, training and sustaining the current workforce and future of the industry.

Winners: Big I Michigan NextGen Leaders and the IIANC iLEAD

Membership Development.

For excellent achievement in recruiting and maintaining Young Agent participation in association activities.

Winner: Big I Oklahoma Young Agents

Community Service.

For outstanding achievement in a service project that benefits the community, the insurance industry, and/or the independent agency system.

Winner: Big I Michigan NextGen Leaders

Young Agents Meeting.

For excellence in providing and promoting an annual Young Agents meeting.

Winner: Young Agents of Kansas and the Big I Oklahoma Young Agents

Breakthrough YAC.

A special recognition of a state that is working hard to engage the next generation.

Winner: Big I New York NextGen

Innovator.

In recognition of the outstanding efforts of a state young agents committee for their innovation and perseverance.

Winner: IIANC iLEAD

Hall of Achievement.

The Young Agents of Kansas and the IIANC iLEAD were inducted into the Hall of Achievement, an honor reserved for YACs that have won the five key young agent awards: political involvement, workforce development, membership development, community service and young agents meeting. Reaching this milestone requires consistent leadership, teamwork and commitment to excellence.

State Liaison of the Year Award.

The Young Agents State Liaison of the Year award was presented to Jake Smith, Director of Member Services for the Insurors of Tennessee.

YA

The Insurors of Tennessee is very proud of Jake Smith for receiving the Young Agents State Liaison of the Year Award. This award is the result of a nomination by a member or members of a state Young Agent Chapters recognizing exemplary work in support of Young Agents. Jake has been instrumental in reinvigorating the Young Agents of Tennessee and contributing to the success of the Young Agents of Tennessee. With his support and the Insurors of Tennessee Board of Directors, the Young Agents of Tennessee have become a vibrant and successful part of the associations work in Tennessee from Memphis to the Tri-Cities.

We encourage agency principals across Tennessee to get their staff involved in Young Agent events throughout the year. Moreover, we ask for you to support worthy Young Agents for nomination to become members of Young Agent’s leadership serving on committees and as officers in Tennessee. It is an exceptional opportunity to develop the future leaders of your agency and this association. u

ACUITY INSURANCE

AF GROUP

AMTRUST

ASSOCIATED INSURANCE ADMINISTRATOR

BERKSHIRE HATHAWAY GUARD INS.

BUILDERS INSURANCE GROUP

CENTRAL INSURANCE COMPANIES

CINCINNATI INSURANCE

EMC INSURANCE

FCCI INSURANCE GROUP

FFVA MUTUAL

FRANKENMUTH INSURANCE

FRONTLINE INSURANCE

GRAHAM -ROGERS INSURANCE

GRANGE INSURANCE

HARFORD MUTUAL

J.M. WILSON

KEYSTONE INSURERS GROUP

SAFEWAY INSURANCE COMPANY

WESTFIELD INSURANCE

ZENITH INSURANCE COMPANY

He l lo work comp par tners. Good bye no added value.

Safety and Risk Management

Camaro ZL1 Tops Chart of Most-stolen Vehicles

Insurance Information Institute and Highway Loss Data Institute - August 7, 2025 ,

The Chevrolet Camaro ZL1 raced to the top of the list of America’s most-stolen vehicles, while a software upgrade helped reduce theft rates for Hyundai and Kia vehicles, new research from the Highway Loss Data Institute shows.

The Camaro ZL1 and the regular Camaro account for two of the five most-stolen model year 2022-24 vehicles, HLDI’s latest analysis shows. Relative to its numbers on the roads, the Camaro ZL1 had a whole-vehicle theft rate 39 times the average for all vehicles. The frequency of whole-vehicle theft claims for the standard Camaro was 13 times as high as the average.

“Muscle cars have often topped this list, as thieves are attracted to vehicles with high horsepower,” said Matt Moore, chief insurance operations officer at HLDI and the Insurance Institute for Highway Safety. “That also helps explain why the more expensive, more powerful ZL1 is stolen so much more often than the standard Camaro.”

ported that thieves are able to clone the key code for newer Camaros by accessing the on-board ports that technicians use to retrieve diagnostic codes and monitor data about fuel economy, emissions and other aspects of performance. Most theft claims don’t indicate whether the entire vehicle or just some components or vehicle contents were stolen. For its ranking of the most-stolen vehicles, HLDI identifies whole-vehicle thefts by comparing the dollar amounts of theft claims with what insurers pay for the same vehicles when they’re totaled in a crash.

HLDI delved deeper into the situation with a separate analysis of Camaro theft claims for model years 2010-24. That analysis showed that theft claim frequencies — both wholevehicle and smaller claims — for Camaro variants were relatively stable from 2020 through 2022 but rose sharply in 2023 and continued to climb through much of 2024. It also indicated a clear break in the pattern beginning with model year 2016, which was when a keyless, push-button start system was introduced.

Along with the two Camaro variants, pickup trucks and other expensive or high-horsepower models dominate the list of the top 20 vehicles with the highest claim frequencies for whole-vehicle theft.

On the other end of the spectrum, the 20 least-stolen vehicles include eight electric vehicles and two plug-in hybrids, all of which have whole-vehicle theft claim frequencies that are more than 85% lower than the all-vehicle average. As past HLDI studies have noted, electric vehicles are likely to be garaged or parked near buildings to facilitate charging, making them less attractive to thieves.

On top of the high horsepower that makes the Camaro an attractive target, a technical glitch seems to have created new opportunities for thieves to steal it, according to news reports.

Thieves can steal modern vehicles by cloning the owner’s key fob with an electronic device. Ordinarily, they need access to the fob to copy it. But some media outlets have re -

“We expect powerful and high-value vehicles to be targeted, and these models check both those boxes,” Moore said. “But it stood out to us that Camaros that were nearly 10 years old had such high claim frequencies.”

Theft claims for model year 2016-24 Camaros began to soar in 2023. Claim frequency for the newer models peaked in March 2024 at 18.3 claims per 1,000 insured vehicle years, compared with about 1.3 claims per 1,000 insured vehicle years for 2010-15 models. (One insured vehicle year equals one vehicle insured for one year, two vehicles insured for six months, and so forth.)

Texas and California were the first states to show spikes in theft claims for Camaros. In 2024, California recorded the highest theft claim frequencies for these vehicles, followed by Tennessee, Mississippi, Maryland and Texas.

In March 2025, General Motors launched a service campaign aimed at reducing theft risk for 2020-24 Camaro models. Under the initiative, owners can bring their vehicles to dealerships for a free software update. "HLDI hopes to study

Safety and Risk Management

how the new software influences theft claims. In the meantime, Camaro owners should contact a nearby dealer to get the update as soon as possible," Moore said.

A similar campaign has worked well for Hyundai and Kia, which saw some of their models unexpectedly break into the top 20 most-stolen vehicles in 2021, another recent report shows. After a HLDI analysis revealed that many of the older models targeted by thieves were not equipped with electronic immobilizers as standard equipment, the brands began offering affected owners a theft-deterrent software upgrade that performs the same function.

HLDI has been tracking the campaign’s impact since it began in February 2023. The latest analysis shows that the frequency of theft claims of all kinds was 46% lower for eligible Hyundai and Kia vehicles that received the upgrade than for those that didn’t. Whole-vehicle theft claims were 52% less frequent for vehicles with the upgrade.

Another signal that the software is working is an increase in the frequency of vandalism claims, many of which likely re -

flect damage that occurred during thwarted theft attempts. Despite the improvements, however, in December 2024, the most recent month that the analysis covers, theft claim frequencies for the eligible model year 2011-22 vehicles remained high, at nearly 10 and 11 claims per 1,000 insured vehicle years for Kia and Hyundai, respectively. In contrast, theft claim frequency for 2011-22 vehicles from all manufacturers was less than two claims per 1,000 insured vehicle years. Only 41% of the eligible Hyundai vehicles and 40% of the eligible Kia vehicles had received the upgrade as of December, so it’s not surprising that they continue to be targeted.

Owners of newer models have less reason for concern, HLDI’s latest whole-vehicle theft report shows. Whole-vehicle theft rates for 2022-24 Hyundai and Kia models, most or all of which have electronic immobilizers as standard equipment, are substantially lower than the all-vehicle average. “This intervention showed dramatic results right off the bat, offering owners some peace of mind,” Moore said. “Owners who still haven’t gotten the software upgrade should do so immediately, as it’s the best way to protect their vehicle.” u

AGENTS OF

Prosperity

Lifting your business to new heights, with commission and bonus programs

Our business model is designed to support yours. With our transparent National Personal Auto Commission Schedule, you can earn more as you write more business with us. Then, as you grow, you’ll have the opportunity to unlock additional compensation and benefits with our partner programs.

Whichever path you choose to grow your business, we have a way forward and upward.

TO LEARN MORE

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

Safety and Risk Management

Preparing for Disasters: A Strategic Imperative for Independent Insurance Agencies

In an increasingly unpredictable world, professional independent insurance agencies must be prepared to face a wide range of disasters—from natural catastrophes like hurricanes and wildfires to cyberattacks, pandemics, and economic disruptions. These events can severely impact an agency’s ability to serve clients, maintain operations, and uphold its reputation. As trusted advisors and risk managers, insurance agencies not only help clients prepare for the unexpected but must also embody resilience themselves. This article explores the strategic steps independent insurance agencies should take to prepare for disasters and ensure business continuity.

1. Understanding the Risk Landscape

The first step in disaster preparedness is conducting a comprehensive risk assessment. Agencies must identify potential threats specific to their geographic location, business model, and technological infrastructure. For example, agencies in coastal regions may prioritize hurricane preparedness, while those heavily reliant on digital platforms must focus on cybersecurity. A thorough risk assessment should include:

Š Natural disasters (floods, earthquakes, tornadoes)

Š Technological risks (data breaches, system failures)

Š Human risks (employee illness, turnover, sabotage)

Š Operational risks (supply chain disruptions, power outages)

Understanding these risks allows agencies to prioritize mitigation strategies and allocate resources effectively.

2. Developing a Business Continuity Plan (BCP)

A robust Business Continuity Plan (BCP) is the cornerstone of disaster preparedness. It outlines how an agency will maintain essential functions during and after a crisis. Key components of a BCP include:

Š Emergency response procedures: Clear protocols for evacuation, communication, and safety.

Š Continuity of operations: Identification of critical services and personnel, and how they will continue functioning.

Š IT disaster recovery: Backup systems, cloud storage, and cybersecurity measures to protect data and maintain digital operations.

Š Communication strategy: Internal and external communication plans to keep staff, clients, and partners informed

The BCP should be reviewed and updated regularly, especially after major changes in operations or technology.

3.

Investing in Technology and Infrastructure

Technology plays a vital role in disaster resilience. Agencies should invest in cloud-based systems that allow remote access to client data, policy documents, and communication tools. This ensures that operations can continue even if physical offices are inaccessible. Key technological investments include:

Š Cloud-based agency management systems (AMS)

Š Secure client portals

Š Virtual communication platforms (Zoom, Teams)

Š Cybersecurity tools (firewalls, encryption, multi-factor authentication)

Additionally, agencies should ensure that their physical infrastructure is disaster-resistant, with backup power sources, secure storage, and emergency supplies.

4. Training and Empowering Staff

Employees are the backbone of any insurance agency. Regular training ensures that staff are prepared to respond effectively during a disaster. In the chaos that follows most disasters, there is no substitute for preparation and planning. Training should cover:

Š Emergency procedures

Š Use of remote work tools

Š Client communication during crises

Š Data protection and cybersecurity awareness

Empowering staff with knowledge and tools fosters confidence and reduces downtime during emergencies. Agencies should also establish a clear chain of command and designate disaster response roles to avoid confusion.

5. Building Redundant Systems and Partnerships

Redundancy is key to resilience. Agencies should avoid single points of failure by diversifying systems and partnerships. This includes:

Š Multiple data backups stored in different locations

Š Alternative communication channels (email, SMS, social media)

Š Relationships with multiple carriers to ensure policy servicing continuity

Š Third-party vendors for IT support, claims processing, and customer service

Having backup systems and partners ensures that the agency can continue serving clients even if one component fails.

Safety and Risk Management

6. Client-Centric Disaster Planning

Clients rely on insurance agencies during their most vulnerable moments. Agencies must ensure that their disaster preparedness includes strategies for uninterrupted client service. This involves:

Š Proactive communication before, during, and after disasters

Š Accessible digital platforms for claims filing and policy updates

Š Emergency contact information and dedicated support lines

Š Educational resources to help clients prepare for and respond to disasters

By prioritizing client needs, agencies reinforce trust and demonstrate their commitment to service excellence.

7. Compliance and Documentation

Regulatory compliance is critical during disasters. Agencies must ensure that all documentation, licenses, and contracts are up to date and accessible. This includes:

Š Digital copies of policies and endorsements

Š Compliance with state and federal disaster regulations

Š Documentation of disaster response actions for audits and legal protection

Maintaining organized and secure records helps agencies navigate post-disaster recovery and regulatory scrutiny.

8. Testing and Continuous Improvement

Preparedness is not a one-time effort. Agencies should regularly test their disaster plans through drills, simulations, and audits. These exercises help identify weaknesses and improve response strategies. Key practices include:

Š Annual BCP reviews

Š Tabletop exercises

Š IT system stress tests

Š Feedback loops from staff and clients

Continuous improvement ensures that the agency remains agile and responsive in a changing risk environment.

9. Insurance for the Insurance Agency

Ironically, many agencies overlook their own insurance needs. To safeguard their operations, agencies should carry appropriate coverage, such as:

Š Business interruption insurance

Š Errors and omissions (E&O) insurance

Š Cyber liability insurance

Š Property and casualty insurance

These policies provide financial protection and support recovery efforts after a disaster.

10. Leadership and Culture of Resilience

Finally, disaster preparedness must be embedded in the agency’s culture. Leadership should champion resilience, allocate resources, and communicate its importance. A culture of preparedness encourages proactive thinking, collaboration, and accountability. Agencies that foster resilience are better positioned to adapt, recover, and thrive.

Conclusion

Professional independent insurance agencies play a vital role in helping individuals and businesses navigate risk. To fulfill this mission, they must be resilient themselves. By understanding risks, developing comprehensive plans, investing in technology, training staff, and prioritizing clients, agencies can prepare for disasters and ensure continuity of service. In doing so, they not only protect their own operations but also reinforce their value as trusted partners in times of crisis. u

We speak human, not fine print.

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

That’s how partnerships work. And that’s how we work. Because at EMC, we’re all about Keeping insurance human®

Let’s get to know each other at emcinsurance.com

CONGRATULATIONS!

2025 Best Practices Agencies

Tennessee Members

• Athens Insurance Agency

• BFS Insurance Group

• Boxwood Insurance Group

• Builtwell Insurance Agency

• Collier Insurance

• Commercial Insurance Associates

• Full-Line Insurance Agency

• Insurance Group of America

What Are Best Practices Agencies?

• Insurefit RM

• Martin & Zerfoss

• McDaniel-Whitley, Inc.

• Powell & Meadows

• RSS Insurance

• Sunstar Insurance Group

• Widener Insurance Agency

• Zander Insurance Agency

Every three years, Reagan Consulting and the Big “I” ask insurance companies, state association affiliates, and other industry organizations to nominate agencies they consider to be among the best in the industry for each of the Best Practices Study's revenue categories. Nominated agencies are then invited to participate in the Study by completing an in-depth survey detailing their financial and operational year-end results. These results are then scored and ranked objectively to determine which agencies earn the Best Practices Agency designation. These agencies' results serve as the foundation for the 2025 Best Practices Study and the next 2 years of the Best Practices Study.

About Best Practices

For more than 32 years, the Big “I” and Reagan Consulting have studied the most successful independent agencies nationwide, uncovering key financial and operational benchmarks that drive performance.

Whether you’re looking to compare your agency to top performers, adopt proven growth strategies or get recognized as a Best Practices Agency, this study delivers real insights you can apply to strengthen your agency’s future.

Association Update

From the Robert E. Musto Insurance Hall of Fame - MTSU

Thank you to Insurors of Tennessee for your incredibly generous sponsorship in support of the 2025 Inductees. Your gift not only allows us to celebrate these honorees with the recognition they so greatly deserve, but also provides scholarships for MTSU Risk Management & Insurance students and supports the growth of the Hall of Fame.

As a trade association, our legacy is built by the dedication of our Agency Members and the leadership of those who have served on staff or as Executive Directors. We are proud to recognize the many individuals inducted into the Hall of Fame who have been part of the Insurors of Tennessee family.

Agency Members and Past

Board Presidents:

Bob Gayle Sr., Agency Member, President of the Board 1971

John Pitts, Agency Member, President of the Board 1985 Eldon Thoma, Agency Member, President of the Board 1983 Eugene Frazer Jr., Agency Member, President of the Board 1988

John Spann III, Agency Member, President of the Board 2001

Christie Reeves, Agency Member, President of the Board 2016 June Taylor, Current Agency Member

Association Leadership and Staff:

Jim Alexander, Sr. Agency Member; later served as Executive Director 1971–1987

George Nordhaus, Executive Secretary/Executive Director 1960–1966

Chuck Bidek, CEO/Executive Director 1987–2018

David Williams, Longtime staff member, creator of the Marketplace Update

Bill Wilson, Staff member, later with IIABA, recipient of the Jeff Yates Lifetime Achievement Award

Together, these leaders and members shaped not only our association, but also the independent insurance industry in Tennessee and beyond. Their induction into the Hall of Fame is a testament to their service, vision, and impact. Join us in celebrating this legacy and the ongoing work of Insurors of Tennessee to advance the independent agency system. –Jake Smith, Director of Member Services. u

Partner Spotlight

MidSouth Insurance Company

In the dynamic landscape of workers’ compensation insurance, few companies have demonstrated the adaptability and strategic foresight of MidSouth Insurance Company, a recently rebranded subsidiary of FCBI (Florida Citrus Business & Industries Fund). This acquisition by FCBI marked a significant milestone in the evolution of both organizations, combining decades of regional expertise and customer-centric service to create a powerful force in the insurance sector across the Southeast and Midwest.

The Acquisition: Synergy at Work

In August 2024 just over a year ago, FCBI officially acquired MidSouth Mutual Insurance Company, demutualizing it and rebranding it as MidSouth Insurance Company. This strategic move was not merely a business transaction—it was a merger of cultures, values, and missions. Both companies share a deep commitment to customer service, workplace safety, and ethical business practices. The acquisition allows FCBI to extend its market reach far beyond Florida, leveraging MidSouth’s established presence in Tennessee and surrounding states.

This expansion is particularly significant given the complementary nature of the two organizations. FCBI’s expertise in construction-related insurance and its legacy in agriculture align seamlessly with MidSouth’s focus on contractors and regional industries. Together, they form a robust network capable of delivering comprehensive workers’ compensation solutions to a broader audience.

Operational Integration and Market Reach

Today, MidSouth Insurance Company operates as a fully integrated subsidiary of FCBI. While maintaining its headquarters in Brentwood, Tennessee, the company benefits from FCBI’s resources, infrastructure, and strategic guidance. This integration enhances operational efficiency, expands product offerings, and strengthens the overall value proposition for clients and agency partners.

The combined entity now serves thousands of policyholders across 16 states, including Florida, Tennessee, Georgia, Alabama, and others in the Southeast and Midwest. This geographic diversification not only mitigates risk but also positions the company to respond effectively to regional market trends and regulatory changes.

Shared Values and Culture

One of the most compelling aspects of the acquisition is the alignment of corporate cultures. Both FCBI and MidSouth prioritize doing business “the right way,” emphasizing transparency, integrity, and long-term relationships. Their shared focus on workplace safety and cost containment reflects a deep understanding of the challenges faced by employers in high-risk industries.

Moreover, both companies are committed to supporting their communities. FCBI’s involvement in initiatives like the Jerry Livingston Memorial Scholarship, which benefits Kids’ Chance of Florida, underscores its dedication to social responsibility and education.

Looking Ahead: Innovation and Growth

Just over one year since MidSouth Insurance Company was acquired by FCBI’, the future looks very promising. The combined expertise of both organizations sets the stage for innovation in insurance products, enhanced risk management services, and expanded digital capabilities. Clients can expect more streamlined processes, improved claims handling, and proactive safety programs tailored to their specific industries.

The acquisition also opens doors for strategic partnerships and further expansion. With a solid foundation in place, FCBI and MidSouth are well-positioned to explore new markets, develop specialized coverage options, and continue their mission of delivering high-quality workers’ compensation insurance.

INDEPENDENT MEMBER AGENCIES PREMIUMS WRITTEN

2020 PROFIT SHARING DISTRIBUTED TO MEMBERS

$400M+ 140+ 20+ 5 $4M $3M

INDEPENDENT AGENCY START-UPS ASSISTED

2020 BONUSES DISTRIBUTED TO MEMBERS

WAYS TO EARN ON A SINGLE BOOK

Anderson, Bedford, Bledsoe, Blount, Bradley, Campbell, Cannon, Carter, Chester, Claiborne, Clay, Cocke, Coffee, Crockett, Cumberland, Davidson, Decatur, Dekalb, Dickson, Fayette, Fentress, Franklin, Giles, Grainger, Greene, Grundy, Hamblen, Hamilton, Hancock, Hardeman, Hardin, Hawkins, Haywood, Henderson, Hickman, Jackson, Jefferson, Johnson, Knox, Lauderdale, Lawrence, Lewis, Lincoln, Loudon, Macon, Marion, Marshall, Maury, McMinn, McNairy, Meigs, Monroe, Moore, Morgan, Overton, Perry, Pickett, Polk, Putnam, Rhea, Roane, Rutherford, Scott, Sequatchie, Sevier, Shelby, Smith, Sullivan, Tipton, Trousdale, Unicoi, Union, Van Buren, Warren, Washington, Wayne, White, Williamson, and Wilson

Company Briefs

BlueCross BlueShield of Tennessee Earns 4-Star Quality Ratings for Commercial, BlueCare Plans

CHATTANOOGA, Tenn. – BlueCross BlueShield of Tennessee (BlueCross) has announced its 2025 Health Plan Quality Star Ratings from the National Committee for Quality Assurance (NCQA).

Both the BlueCross commercial and BlueCare plans – the organization’s health plan that serves the state’s TennCare program for lower income children, seniors and Tennesseans with disabilities – earned 4 out of 5 stars from NCQA. This award enables BlueCross to offer the only 4-star commercial Preferred Provider Organization plan in Tennessee. And with this announcement, BlueCare has now achieved a 4-star quality rating for the third consecutive year.

“Our 2025 NCQA star ratings are a reflection of our members’ trust and support – and the hard work our teams do every day to make sure our customers receive exceptional service,”

Local Presence. Regional Strength.

said Dr. Andrea Willis, BlueCross SVP and chief medical officer.

“These ratings are a result of our company’s unwavering dedication to supporting high-quality healthcare services and our continuous efforts to enhance member satisfaction and outcomes. Our members, who are some of the most vulnerable people in Tennessee, know they can count on us,” said Dr. Julie Joseph, BlueCross VP and chief medical officer for BlueCare Tennessee.

Every year, NCQA evaluates plans based on a 5-star rating system that includes comprehensive evaluations of multiple performance measures. These ratings reflect the quality of care and services provided by plans and rate performance based on clinical outcomes, patient experience, customer service and operational efficiency.

NCQA ratings are derived from data collected through the Healthcare Effectiveness Data and Information Set, the Consumer Assessment of Healthcare Providers and Systems surveys and NCQA’s own accreditation standards.

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

Company Briefs

AM Best Co. Awards Highest Rating to AutoOwners Insurance

AM Best Company has affirmed the financial strength rating of A++ (Superior) of Lansing-based Auto-Owners Insurance Group and its four wholly owned property/casualty subsidiaries. This is the 48th year in a row that Auto-Owners Insurance has received the highest rating available from the nationally recognized rating agency.

According to AM Best, "The ratings of AOIG reflect its balance sheet strength, which AM Best categorizes as strongest, as well as its very strong operating performance, favorable business profile and appropriate ERM (enterprise risk management). … AOIG has exhibited generally improved operating performance in recent years."

Additionally, Auto-Owners Life Insurance Company, a wholly owned subsidiary, was rated A+ (Superior) by AM Best, an honor it has earned every year since 1976. And, Atlantic Casualty Insurance Company, an excess and surplus lines company acquired by Auto-Owners in 2016, had its financial strength rating of A (Excellent) affirmed.

According to AM Best, Atlantic Casualty has benefited from the support it has received from Auto-Owners, especially in the areas of actuarial services, product development, reinsurance, claims, marketing and IT. "The ratings also reflect Atlantic Casualty's improved operating performance in recent years," AM Best noted in its press release.

Meanwhile, the Concord Group, which Auto-Owners entered into an affiliation with in 2017, had its outlook revised to positive from stable, and had its financial strength rating of A (Excellent) affirmed. "The rating actions reflect Concord Group's strategic position within the Auto-Owners organization, as well as the significant operating and financial benefits that Concord Group has realized as a result of its April 2017 affiliation with Auto-Owners," AM Best said.

"We are very pleased to have all three financial strength ratings affirmed," said Jeff Tagsold, chairman and CEO, AutoOwners. "We are also proud AM Best recognizes the progress all three companies have made. This reinforces the dedication and hard work of a team committed to providing the best products and services in the business."

Auto-Owners' property and casualty companies are one of only nine groups in the U.S. to receive the highest rating possible, A++ (Superior), by AM Best. Auto-Owners Insurance has also been ranked on the Fortune 500 list for 17 consecutive years.

Liberty Mutual Launches Global Infrastructure Solutions Practice to Lead in Fast-Growing Sector

With global infrastructure construction spending expected to surpass $7 trillion by 2028* – spanning critical sectors such as roads, renewable energy, data centers, and more – the need for sophisticated and integrated insurance solutions has never been greater. To meet this demand, Liberty Mutual Insurance has launched a new Infrastructure Solutions practice that unlocks specialized industry capabilities across underwriting, claims, risk engineering and service to deliver comprehensive solutions that clients need to build and operate complex infrastructure projects.

The Infrastructure Solutions practice will encompass construction through physical, digital and energy projects, as well as other large civil and technical construction work. Global Risk Solutions (GRS), Liberty’s global commercial, specialty insurance, reinsurance and international personal lines arm, is uniquely positioned to meet this demand, currently serving 80 of the top 100 ENR contractors.

Supporting this vision, Liberty has created and appointed two senior leadership positions:

Douglas Schrift – Global Head of Infrastructure. Douglas will lead the new practice, serving as its external face with brokers and clients and driving account-level strategies across product lines. He brings more than 25 years of executive experience across contractor, brokerage, and carrier roles to advance performance security solutions in the construction industry, most recently as chief underwriting officer, Subcontractor Default Insurance, Liberty Mutual Surety.

Manuela Baroncini – Global Technical Lines Leader. Manuela will guide Liberty’s specialized energy and construction underwriting globally, with a focus on first-party property and builder’s risk coverage. A mechanical engineer with more than 20 years of experience, she was previously global head of engineering and construction at Swiss Re Corporate Solutions, leading their portfolio and growth strategy, including renewable energy.

Company Briefs

Erie Insurance Ranked Highest in Small Business Customer Satisfaction

ERIE outpaces industry average, earning top marks for value, convenience and people-first approach Erie Insurance (ERIE) has ranked first in small business insurance customer satisfaction according to the J.D. Power 2025 U.S. Small Commercial Insurance Study. ERIE was 25 points above the industry average with a score of 723 and was the top insurer for providing a satisfying experience in small commercial lines.

The J.D. Power U.S. Small Commercial Insurance Study measured overall satisfaction across seven dimensions including trust, price for coverage, product/coverage offerings, ease of doing business, people, problem resolution and digital channels. ERIE ranked best in class for price for coverage, ease of doing business and people.

“We’re grateful to small business owners for their trust in Erie Insurance,” said Dave Russo, senior vice president for Commercial Products and Services. “This recognition

demonstrates our focus on delivering clear value, making it easy to do business with us and showing up with people who care. For more than a century, ‘Above All in Service’ has guided our decisions, and it continues to drive our teams and independent agents to serve customers the right way, every day.”

The J.D. Power study, based on responses from 2,848 small commercial insurance customers, examined overall customer satisfaction among small commercial insurance customers with 50 or fewer employees.

2025 Encova Insurance Scholar Athlete Scholarship Winners Announced

We are pleased to share the scholarship winners of our 2025 Encova Insurance Scholar Athlete Awards!

Central Ohio athletic directors were given the opportunity to nominate one senior student athlete participating in boys sports and one senior student athlete participating in girls

Company Briefs

sports. Congratulations to all 2025 Encova Insurance Scholar Athletes on your recognition by your athletic director as a leader in the classroom, on the field and in your community.

A team of Encova’s leadership and representatives from WBNS-10TV reviewed the nominations and selected eight students to receive scholarships from Encova.

We are pleased to award $60,000 in scholarships to these outstanding seniors. In addition, winners have been featured all summer on WBNS-10TV.

Congratulations to our scholarship winners! Be sure to check out their highlights on WBNS-10TV’s website.

Top Female Scholar Athlete ($10,000 scholarship)

Caroline Sprung, Thomas Worthington High School

Top Male Scholar Athlete ($10,000 scholarship)

Aidan West, Big Walnut High School

Female first runner-up ($7,000 scholarship)

Megan Goehring, Bishop Watterson High School

Male first runner-up ($7,000 scholarship)

Kyle Gilchrist, New Albany High School

Female second runner-up ($3,000 scholarship)

Olivia (Liv) Taylor, Hamilton Township High School

Male second runner-up ($3,000 scholarship)

Joseph (Joey) Gurwin, Columbus Academy

John J. Bishop award ($10,000 scholarship)

Ty'Janae McCarrel, Linden-McKinley STEM Academy

Douglas (Ethan) Goodwin, Northridge Local Schools

Encova is a proud supporter of Central Ohio’s high school scholar athletes, awarding nearly $1 million in scholarships and transforming many young lives. It’s our great honor to recognize these students’ commitment and to support their education as they help shape our community. We recognize that those who represent the best in athletics, academics and leadership are our future leaders. u

Because, they’re not robots. They’re people.

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®.

Her Story: Meet the New Big ‘I’ Chair

By: Will Jones, IA Editor in Chief Angela Ripley,

president of VW Brown Insurance in Columbia, Maryland, brings two decades of agency leadership, eight acquisitions and a passion for mentorship and inclusion to the role of Big “I” chair. Ripley is the second woman to serve as Big “I” chair, following in the footsteps of Louise “BeBe” Canter in 2003. With Maryland roots and a vision for the future, Ripley is focused on sustaining the independent agency system through innovation, education and strategic growth.

Prior to her installation as Big “I” chair at the Big “I” Fall Leadership Conference, to take place Sept. 9-14 in Nashville, Tennessee, Independent Agent magazine talked with Ripley about her path from commercial producer to agency principal, how her experiences as a woman, businessowner and a mother shaped her leadership style, and what it means to build a more connected, forward-thinking industry.

Whether she’s mentoring young agents or cheering from the lacrosse sidelines, Ripley leads with authenticity and purpose—and she’s ready to help independent agents thrive in a time of rapid change.

How did you begin your career in insurance?

I started in insurance shortly after graduating college with a degree in marketing with a concentration in advertising. My dad was the former owner of VW Brown Insurance, so I grew up around the business. I didn’t initially plan to follow in his footsteps. I decided to start my career at an insurance carrier to get a sense of how a corporation runs and to gain some foundational insurance knowledge. Then I returned to VW Brown in 2000 as a commercial producer. Once I was back in the agency, I saw firsthand how insurance could impact lives and communities—and I knew I had found my path.

Can you tell me about your agency?

We’re a full-service independent agency in Columbia, Maryland. We deliver personalized solutions across commercial lines, personal lines, and life and health— both individual and group. Our focus is building long-term relationships based on trust, education and advocacy. We’re also committed to innovation and community engagement.

We’re a generalist agency. We write everything from small Main Street businesses to large regional contractors like excavators and drywall companies. Until recently, we were about 60/40 commercial to personal. But after two acquisitions a year and a half ago—both heavily personal lines—we’re now closer to 50/50.

While I carry out my duties as chair, my sister Tricia Wolters, CFO, and Marc Bruno, executive vice president, will be working hard at the agency. They have both been extremely supportive.

What do you do in your spare time?

For the past 12 years, I’ve been on the sidelines of a lacrosse field cheering on my daughters play sports. My husband coached, and one of our daughters played on his team. This year, I’ll be watching my youngest daughter, Madelyn, who is a senior in high school, play field hockey, basketball and lacrosse before she heads to Arizona State University where she was recruited to play lacrosse. I’ll also be traveling to Rochester, New York, to visit my oldest daughter, Emma, and cheer on the Rochester Institute of Technology (RIT) Tigers women’s lacrosse team. Outside of sports, I like spending time with family and friends, being outdoors, walking the dogs, traveling and reading. I might read one business book a year if it really interests me, but I mostly read for fun.

How has your involvement with the Big “I” shaped your career?

I’ve built profound relationships through the Big “I” that have made my insurance career even more enjoyable. Many of the people I’ve served with are now colleagues I continue to engage with through the Insurance Roundtable of Baltimore. The Big “I” has given me a broader perspective on the business and opened doors to leadership, and it’s introduced me to people who continually challenge and inspire me.

Favorite memories of being a Big “I” member?

My first national meeting as a Maryland director was in Grand Rapids, Michigan, during Dave Walker’s installation as Big “I” chairman in 2014. I had caught something on the plane and spent the first couple of days sick in the hotel. I was keeping to myself and not feeling great when the national director from Vermont introduced himself. We started talking and, despite how awful I felt, we really connected. That same evening, he invited me to dinner and we’ve kept in touch ever since. We’ve met each other’s families and even visited each other’s home states. It was one of those moments that reminded me how meaningful these relationships can be.

What are you looking forward to most about becoming chair?

I’m looking forward to continuing the important work of supporting independent agents through innovation, inclusion and advocacy. It’s a tremendous honor to serve at

Education Calendar

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

Register for CISR & CIC at www.insurors.org under education. Classes with (*) have option for in person or webinar event.

CISR

11/6 Commercial Property Webinar

CIC

Watch for new listing in 2026

Other

ABEN Webcasts

(insurors.aben.tv)

The below are examples of the webcast classes that are available at insurors.aben.tv. View website for more.

10/1-2 Ruble Graduate Seminar Nashville

10/2 Agency Ascends Series -#3 Webinar

10/13 Agency Ascends Series -#4 Memphis

10/11-14 Insurefest Memphis

11/12 Chris Boggs Webinar Series - #2 (YA) Webinar

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.

BSIG Makes It Easy With Choice Classes For Middle

Market Risks

Middle Market Choice Classes*

Below is just a broad listing If you don’t see what you’re looking for, please contact us.

• General Contractors

• Building Trade

• Services Contractors

• Building Cleaning & Contractors Maintenance Contractors

• Utility Contractors

• Land Improvement

• Construction Material Suppliers Contractors

• Manufacturing

• Pavement Maintenance-Non DOT Distributing

• Wholesale and

* All classes may not be available in all states.

Claim Commitment

• 24/7/365 loss reporting-including online •

• Accelerated auto and property estimating and repair options •

• “Fast Track” medical only claims handling program •

• Tele-emergent medicine program-connects injured workers to medical care, not “triage” •

Justin Lash, Regional Vice-President 1-855-610-4545 | jlash@berkleysig.com or your Middle Market Underwriter

a time when our industry is evolving. I want to help ensure we meet the moment with clarity and purpose. One thing we discussed recently is that our association exists to support the independent agency system and the agents who are part of it. That mission has to endure. I’m also in the early stages of developing a national program for women in insurance.

Experiences as a woman in insurance and a business owner?

It’s never easy walking into a room full of men, especially older men, but I do it because I want to be there. I also do it knowing that visibility matters, not just for me, but for the women and people I mentor and sponsor. I’m passionate about championing women in leadership roles because I know how hard it can be. At the same time, it’s important to include men in these conversations, because inclusion isn’t about creating separate spaces—it’s about coming together to learn and support each other.

How can the industry create more leadership opportunities for women in insurance?

I’ve visited several states recently—Oklahoma, Mississippi, Georgia and Louisiana—and each one has different programs supporting women in insurance. But I want to be clear: this isn’t just about women. I want to invite men into the room, too. If we’re going to talk about things like work-life balance, which is relevant to everyone, then we need diverse voices at the table. That’s why I’d love to see panels with both men and women addressing these topics. We have to move beyond exclusivity and start building together.

Traditionally, women have carried the bulk of household responsibilities, but that’s changing. For instance, I now work an hour away from home, and my husband has really stepped up to help balance our family’s needs. It’s not perfect, but it’s a partnership—and that kind of support makes all the difference.

What are your priorities as chair of the Big “I”?

One of my top priorities is setting the stage for those who follow me, especially young agents. I believe in strategic planning that not only addresses today’s challenges but also positions the association for long-term success. Everything I do in this role is with that in mind: building a future that’s inclusive, resilient and innovative.

How do you foresee the association evolving in the next five to 10 years?

The association and the channel need to become more agile and tech-enabled, while staying rooted in advocacy, education and human connection. Relationships are the foundation of this industry. Whether it’s with clients or colleagues. Independent agents remain the primary method of insurance distribution, and we’re seeing even direct writers

Meetings- Mark Your Calendars

Insurors of Tennessee 132nd Annual Convention- Insurefest

October 11-14, 2025

Southern Agents Conference

December 5-7, 2025

Big "I" Winter Meeting

January 21-24, 2026

Hilton- Memphis Memphis

The Whitley

Atlanta Buckhead

Hilton Austin Austin, Texas

As a reference for those who were unable to attend the 2025 Annual Meeting at Insurefest, we are providing this reference copy of the agenda to make you aware of the proceedings planned for this year. The Annual Meeting is a fundamental part of our association’s business each year and the key to the successful perpetuation of our association.

2025 Annual Meeting Agenda

Meeting Start Time: 11:00 AM Central Time

Introduction – President Bobby Sain Invocation

Pledge of Allegiance Lunch Served

Guest Speaker – Big I Executive Committee Member Greg Sandrock from Illinois

Acknowledgements – President Bobby Sain

Š 2025 Partner Companies

Š 2025 Annual Convention Sponsors

Š Insurors of Tennessee Staff

Š Past Presidents

Recognition of 2025 Board of Directors – President Bobby Sain

Annual Business Meeting Begins

Ratification of Board of Directors Actions – President Bobby Sain

In Memoriam and Moment of Silence for Deceased Members – President Bobby Sain

Election of 2026 Board of Directors – President Bobby Sain

Board of Directors Oath of Office – Big I Executive Committee Member Greg Sandrock from Illinois

Annual Business Meeting Closes

Remarks from Incoming Board President – President-Elect Battle Bagley, III

Farewell Remarks from Outgoing Board President – President Bobby Sain

Keynote Speaker – “M&A Trends in Independent Agency Marketplace" presented by Carey Wallace

like Geico recognize the value of our channel. However, we also need to embrace tools like artificial intelligence (AI) and continue supporting efforts through programs like the Big “I” Agents Council for Technology (ACT) to educate ourselves.

What are the biggest opportunities for the independent agency channel?

There’s a tremendous opportunity in digital transformation, data-driven decision-making and personalized service. Our ability to stay adaptable while keeping that personal touch gives us a unique competitive advantage.

Your experiences with acquisitions?

Since 2007, we’ve completed eight acquisitions. The first one was a major turning point. We were a medium-sized agency that acquired an agency three times our size. That acquisition gave us leverage in the marketplace, and since then, we’ve had other agencies approach us to see if we were interested in acquiring them. Many of those owners wanted to stay on as producers without dealing with day-to-day operations, and our structure allows for that. Every deal has been different but most of them are centered on what the seller needs, not just what works for us.

What advice would you give to new agents entering the industry today?

Be curious, be committed and always prioritize your clients. Learn from those around you, invest in your education and don’t be afraid to ask questions. This industry offers incredible

career paths for those who are willing to work hard and stay engaged.

How should agencies attract and retain younger talent?

We need to showcase the meaningful impact of our work and the diversity of roles across the industry. Offer mentorship— I’ve said that a bazillion times—along with flexible career paths and growth opportunities. My daughter is in college studying human-centered computing and she worked at our agency last summer and again this year. She was floored at how much her field intersects with insurance. Now she’s looking into Liberty Mutual’s internship program for next summer. It’s funny—it pulls you in. Creating a culture of purpose is key to retaining the next generation.

What is the best part about being an independent agent?

It’s the ability to truly advocate for your clients. We’re not tied to one company or product—we can find the right solution for each person or business we serve. That freedom, combined with the trust we build, makes this work incredibly rewarding. And of course, the relationships we build with our policyholders are everything.

How can members become more involved with the association?

Start by showing up. Join a committee, attend events or offer to mentor. The association thrives on member engagement and there’s a place for everyone. Your voice matters and your involvement strengthens the entire channel. u

"Start by showing up. ...Join a committee, attend events or offer to mentor. The association thrives on member engagement and there’s a place for everyone."

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.

There is also a list of features podcasts and link to connect at www.iamagazine.com/category/podcasts/ .

Here are a few the Insurors is currently highlighting.

Exploring AI: Working With Vendors • Episode 487, September 17, 2025 • 31 minutes

This episode of Agency Nation Radio is the second in a special series about artificial intelligence (AI) brought to you by the Big “I” Agents Council for Technology’s (ACT) AI workgroup.

Finding the Win With Jill Roth • Episode 486 • September 10, 2025 • 13 minutes

On this episode of Agency Nation Radio, we chat with Jill Roth, executive vice president at Ahart, Frinzi & Smith in Alexandria, Virginia. Roth started her career on Capitol Hill, working in legislative affairs for a New Jersey congressional representative, where one of the issues she focused on was the insurance industry. Her congressional experience carried over when she joined the family agency—Ahart, Frinzi & Smith—and repurposed her passion for politics into serving Big “I” members on the state and national level. “I still have a passion in [legislative] affairs,” Roth says. “And so I now take that knowledge that I had in that industry, whether it be working on the congressional side or in the lobbying world, and I'll use that in my insurance world.”

Exploring AI: What IAs Need to Know• Episode 485 September 3, 2025 • 33 minutes

This episode of Agency Nation Radio is the first in a special series about artificial intelligence (AI) brought to you by the Big “I” Agents Council for Technology’s (ACT) AI workgroup. Co-hosts Kasey Connors, executive director of ACT, and JP Pritchard, director of marketing at Rhodian Group, dive into how independent agents can confidently take their first steps with AI. They are joined by CJ Hutsenpiller, owner of the tech-forward agency Hutsenpiller Insurance in Mt. Juliet, Tennessee, who shares his journey and lessons learned on avoiding “shiny object syndrome.” The conversation covers how to choose the right tools, build team trust and keep client experience at the center of AI implementation. Agents will walk away with practical advice, a dose of realism and encouragement to approach AI with curiosity.

Workplace Communication: From Leadership to Email Etiquette • Episode 484 • August 20, 2025 • 20 minutes

On this episode, Will Jones, Editor-in-Chief of Independent Agent Magazine at the Big “I” hosts a conversation with workplace communication expert, Jenna Rogers, Founder & CEO of Career Civility, a professional development firm that helps organizations build stronger cultures through better communication. Throughout the episode, Jones picks Rogers’ brain about what it takes to be a great leader, bridging generational gaps and even mastering the art of a clear, effective email. "Listening is a really big skill set that you need to have as a leader," she says. "I always encourage people to listen not to respond, but listen to be challenged."

Workers’ Compensation Insuran C e

For tH ose W H o Build o ur Communities

MidSouth partners with wholesale entities and select retail agencies across its service footprint. The company is always seeking opportunities to grow in ways that are sustainable and mutually beneficial.

+ Serving clients across sixteen states with expansion into additional states planned.

+ Common sense underwriting, exceptional service, responsive and fair claims settlement.

+ A Exceptional Financial Stability Rating® from Demotech, Inc.