The Tennessee Insuror Jan-Feb 2022 by Insurors of Tennessee

THE TENNESSEE

INSUROR

Meet Your Board

Leading Us Forward in 2022

10 16 18

Insurance and Risk Management Across the Cyber Landscape Meet June Taylor— Wilkinson Agency

January/ February 2022 Volume 33 | Number 1

MTSU Prepares Business Students for Insurance Careers

ONE SIZE FITS ONE.

Selective is committed to working with independent agents in Tennessee just like you. Together, we can provide Commercial, Personal, and Flood coverage for each unique customer. Contact Dan Schilling, Territory Manager, at dan.schilling@selective.com and help your customers Be Uniquely Insured.

© 2021 Selective Ins. Group, Inc., Branchville, NJ. Products vary by jurisdiction, terms, and conditions and are provided by Selective Ins. Co. of America and its insurer affiliates. Details at selective.com/about/ affiliated-insurers.aspx. SI-21-037

contents

THE TENNESSEE

INSUROR Vol. XXXIII, Number 1 January|February 2022 Phone 615.385.1898 Toll Free: 1.800.264.1898 Email: marketing@insurors.org Editor: Ron Travis Publisher: MarketWise, Inc

4 Meet Your Board Leading Us Forward in 2022

INSURORS OFFICERS

President ......................................................... Norfleet Anthony III IIABA National Director .............................. Cindi Gresham, CIC VP Region I ................................................................... Bobby Sain VP Region II, President-elect ............ Matt Swallows, CIC, CRM VP Region III ................................... Kym Clevenger, CPCU, CACW Treasurer .................................................... John McInturff III, ARM Secretary ........................................................ Richard Whitley, CIC Director, Region I ...................................... Eric Collison, CIC, CRM Director, Region I ................................ Jamie Williams, CIC, ARM Director, Region I ............................................................. Cy Young Director, Region II .................................................... Reno Benson Director, Region II ........................................................... Chip Piper Director, Region II ...................................... Paul Steele, CIC, CRM Director, Region III .................................................... Tim Goss, CIC Director, Region III .......................................... Bill Oldham III, CIC Director, Region III ........ Cindy Widener Winn, CPA, CIC, CBIA Director, Young Agents ................................. Matt Felgendreher Immediate Past President ...................................... Bob McIntire

ADVERTISING

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

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

The Tennessee Insuror

Insurance and Risk Management Across the Cyber Landscape

New Website for Insurors of Tennessee Members

Meet June Taylor—Wilkinson Agency

MTSU Prepares Business Students for Insurance Careers

departments 21

From Your President Through All Manner of Challenges, This Association Has Served Members

From Your IIABA National Director As a Member, You Receive a Plethora of Products and Programs

From Your CEO Change, Resilience and a Commitment to Service

Tennessee Young Agents '22 Future Leaders Spotlight - Jonathan Peters Introducing Your 2022 Young Agents Committee

Partners for Tennessee - Thank you for your support!

Government & Legal Update Advocacy Update: Legislature Reconvenes, Federal Group Health Producer Disclosure Regulations Take Effect

Association Update

Program Spotlight - Swiss RE

Vendor Spotlight - Imperial PFS

Company Briefs

Agents Serving Our Community

Education Calendar

Meetings - Mark Your Calendars

Your Big "I" 3

Meet Your Board—Leading Us

Norfleet Anthony III President

Bobby Sain VP Region I

Matt Swallows VP Region II, President-elect 4

Norfleet Anthony is the president of S.N. Anthony, Inc. in Ripley and serves as President. Born and raised in Ripley, after high school he attended the University of Tennessee. He began his insurance career by joining the family agency in 1982. He furthered his industry education by attending the Allstate, Travelers and USF&G producer schools. He formerly served on our Board as a Vice President of Region I and before that, Director of Region I. In addition to his service with Insurors, Norfleet is a member and lay leader of First United Methodist Church Ripley, a District Trustee for the Mississippi River District of the United Methodist Church, Co-Chair of the Pension & Benefits Board for the Memphis Conference of the United Methodist Church and Member and Past President of the Ripley Rotary Club. He and his wife Amy have four children, Sy Anthony, Katherine Anthony Leake, Rachel Harpole and Elizabeth Harpole. Norfleet also has two grandsons, Jackson Henry Leake and Hudson Franklin Leake. Bobby Sain is President of Bolivar Insurance & Real Estate and serves as Vice President of Region I. Bobby graduated from Bolivar Central High School and attended University of Mississippi. He later received an Associate Degree from Jackson State Community College. After JSCC, he went to work with his father at Bolivar Insurance & Real Estate. Bobby attended and completed several insurance educational classes including Hartford Insurance School for personal and commercial insurance, Hartford, CT. Bobby has always been active in his community where he enjoyed coaching baseball and supporting all Bolivar sports. In his spare time, he loves playing golf and music. He served as one of the youngest City Councilman in Bolivar at age 21 and in 2005 Bobby ran and was elected Mayor, City of Bolivar. In his term, the city received a grant which helped renovate and bring new businesses to downtown Bolivar. Bobby is presently Vice-Chair of Bolivar Downtown Development Corporation. He is also a board member at Western Mental Health Board of Trustees. Bobby and his wife DaJuan have 3 children, Blake, Chase and Shelby. They are members of First Baptist Church in Bolivar. Matt Swallows, CIC, CRM is the president of the Swallows Agency in Livingston, Cookeville and Smithville, and serves as Vice President of Region II and President-elect . He earned a degree in Finance from Tennessee Tech University and started his insurance career with Aetna in 1999. In 2001 he started with Swallows Agency, and has since earned his CIC designation (2007) and his CRM designation (2010). In addition to his work with Insurors, Matt served as the Mayor of Cookeville from 2010-14, and has served on the Cookeville Regional Medical Center Board of Directors and the Cookeville/Putnam County Chamber. He is the current Chairman of the Putnam County YMCA. He is married to Kelly Swallows, who is the VP of Operations for the agency, and they have two children, Channing and Xavier. The Tennessee Insuror

Forward in 2022

Norfleet Anthony | 731.635.9441 | sna@snanthony.com Matt Swallows | 931.526.4025 | matt@swallowsinsurance.com Bobby Sain | 731.658.3011 | bobby@bir-tn.com Kym Clevenger | 865.675.6500 | kym@assurancecenter.com John McInturff III | 423.647.2740 | jmcinturff@tsclaims.com Richard Whitley | 901.881.6464 | rwhitley@mcwins.com Cindi Gresham | 901.766.4298 | cindig@boyle.com Eric Collison | 901.507.0612 | ecollison@kwig.com Cy Young | 731.577.4300 | cy@thehavenip.com Jamie Williams | 731.926.1200 | jwilliams@hcbins.com Reno Benson | 615.630.7800 | reno@andersonbenson.com Paul Steele | 615.297.8500 | psteele@martinzerfoss.com Chip Piper | 615.735.1111 | chip@powell-meadows.com Tim Goss | 423.875.2500 | tim@gossinsurance.com Cindy Widener Winn | 423.926.7151 | cindyw@widenerins.com Bill Oldham | 865.769.2332 | bill@oldhaminsurance.com Matt Felgendreher | 615.269.7887 | mfelgendreher@irmllc.com Bob McIntire | 423.472.5058 | bmcintire@mcintireins.com

Kym Clevenger, CPCU, CACW is the president of The Assurance Center in Knoxville and serves as the Vice President of Region III. She is a Knoxville native, and earned her Bachelor of Arts in Biology, Zoology and Medical Technology from The University of Tennessee at Knoxville. She is also a Registered Nurse. She joined the agency in 1996 and earned her CIC in 2001, CPCU in 2007 and CAWC in 2013. Outside of her work with Insurors, Kym is a former president of the Associated Construction Women, and enjoys reading, working out, traveling, scuba diving, and sporting clays. She and her husband, Donald Erdman III, live in Knoxville with their dog Betty.

Cindi Gresham, CIC is the president of Boyle Insurance Agency in Memphis and serves as the IIABA National Director for Tennessee. After moving to Memphis from her hometown of Columbus, Ohio, she graduated from Overton High before attending Memphis State University. She started her insurance career in 1973 with George Holley Insurance, then moved to Carruthers Harris Agency in 1979. In 1987 she started with Boyle and has been there ever since. In addition to her work with Insurors, Cindi is a supporter of various senior and youth organizations, University of Memphis athletics and formerly served as president of the Insurors of Memphis local board. Cindi has two sons, Brad and Kyle, and six grandchildren. She attends Collierville UMC and resides in Collierville with her husband, Rocky.

John McInturff III, ARM is the president and owner at McInturff, Milligan & Brooks in Greeneville and serves as Treasurer. He is a Past President of Insurors and has served on the Board in several roles. A Greeneville native, John graduated from Greeneville High School in 1981. He attended the University of Tennessee in Knoxville, earning his B.S. in Business Administration in 1985. He began his insurance career with USF&G in 1986 and joined Bennett and Edwards in 1988 where he later became president. In 2006 the Tri-State Claims division of Bennett and Edwards merged with McInturff, Milligan & Brooks to form the current agency. John’s contributions to Insurors include serving as Young Agents Chair, Director of Region III, VP of Region III and Secretary. In addition to his involvement with Insurors, John is a past President of the Kingsport Jaycees, past president of the HVFC Soccer Club and has been involved with Junior Achievement of Tri-Cities, the Kingsport Rotary-Sunshine Club, and is a member of First Presbyterian Church. He and his wife Tonya reside in Kingsport and have two children, Lauren and Lindsey. The Tennessee Insuror

Kym Clevenger VP Region III

Cindi Gresham IIABA National Director

John McInturff III Treasurer 5

Greetings From

People Process Prosperity Your clients have to pay for a Workers’ Comp program but what are they getting for their money? With BBSI’s unique high touch model, your clients will get the coverage they need plus a dedicated local team of HR, Payroll, and Risk Managers supporting their business.

Call or visit www.BBSI.com/Nashville to learn more. Dion Matos Area Manager 760.445.5909 Dion.matos@bbsi.com

Business Strategy 6

Human Resources

Payroll

Risk & Safety

Workers’ Comp

Technology Solutions

Stafﬁng Services The Tennessee Insuror

Richard Whitley, CIC is a principal agent with McDaniel-Whitley in Memphis and serves as Secretary. He previously served as Director of Region I. He is a native of Covington and earned his BBA from Ole Miss in 1989. After working in banking, he entered the insurance industry in 1997. He credits his time as a commercial loan officer with giving him immense insight into owning a business. Additional professional education for Richard includes earning his CIC designation in 2000. Organizations he has previously been active with include the Insurors of Memphis, Collierville Rotary Club, West Tennessee Chapter of the Associated Builders and Contractors and Construction Financial Management Association. Richard is a twenty-five year volunteer for the FedEx St. Jude Invitational, Memphis’s PGA Tour tournament. He and his wife Michelle have been married for over 20 years and have two daughters, Caroline and Emmy.

Cy Young is a principal agent at both Young-Hughes Insurance and Haven Insurance Partners and serves as Director of Region I. Cy grew up in Alamo, TN, where he had been working in the Insurance industry and serving the community since graduating from Mississippi State in 2004. Having worked in the Insurance industry for over 15 years, Cy understands the need for an agency that is focused, forward-thinking, and always puts the client first. His experience as an independent agent continues to grow knowledge and skills to break the mold of traditional agencies and best serve the community. Cy is married to Jordan Leigh, and they have one daughter, Eliza, and a mini golden doodle, Stella. This State fan has converted his University of Mississippi Rebel wife, and together they enjoy cheering on the Bulldogs with their young daughter. In his free time Cy enjoys spending time with his family, grilling out with friends or on the golf course.

Richard Whitley Secretary

Cy Young Director, Region I

Jamie Williams, CIC, CRM is the agency manager for Hardin County Bank Insurance Agency in Savannah and serves as a Director of Region I. He is a native of Savannah and earned his Bachelor of Science degree in Business Administration from Union University. In addition to his work with Insurors, he is involved in his local church and is a member of the River City Kiwanis club. He and his wife, Lauren, have been married for 15 years and have 2 children, Lexie and Logan. Jamie enjoys hunting and golf as well as spending time with family. Jamie Williams Director, Region I Eric Collison, CIC, CRM is a vice president for Kemmons Wilson Insurance Group in Memphis and serves as a Director of Region I. He joined the agency in July 2015 as the insurance sales manager and is currently focused on the Hospitality Program development throughout the country. Eric went to KWIG from GCM Insurance and before that 8 years at Liberty Mutual working throughout the southeast in commercial sales and personal lines sales management. His duties include development and mentoring of the sales force, marketing campaigns and initiatives, developing and fostering carrier relationships, and identifying new profitable areas for growth within the agency. He is a graduate of Mississippi State University and earned his Certified Insurance Counselor designation (CIC) in 2008. He enjoys golfing, hunting, and attending sporting events. Eric grew up in Starkville, Mississippi. After living in several cities throughout the southeast he moved back to the Memphis area with his wife Rivers and their three daughters.

Chip Piper is a vice president for Powell & Meadows and serves as a Director of Region I. Chip started working at Powell & Meadows after graduating from the University of Tennessee-Knoxville in 2009. He has enjoyed working with and learning from his father Phillip Piper. In 2017, Chip became Vice President and Minority Partner at the agency. Chip enjoys his job for many reasons but mainly because the insurance industry is constantly evolving which presents new opportunities and challenges. He enjoys finding the best solution for each customer's situation and helping them grow their business or protect their family. Chip and Phillip look to continue Powell & Meadows 127 year history well into the future. Chip is married to Stefani Piper and they have twins, Ella Lee and Cohen.

Paul Steele, CIC, CRM is the president of Martin & Zerfoss in Nashville and serves as a Director of Region II. Born and raised in Nashville, he has been in the insurance business with the agency for the past 16 years. He is a past Young Agents Director, past Insurors of Nashville President and the current Board Chair for The Family Center, a local not-for-profit. Paul is a graduate of Vanderbilt University. He is married to Jenny and they have three daughters, Sophie, Ella and Helen. His hobbies include rooting for the Titans, Predators and Vandy. He considers himself a beer nerd and family man. The Tennessee Insuror

Eric Collison Director, Region I

Chip Piper Director, Region II

Paul Steele Director, Region II 7

Reno Benson Director, Region II

Bill Oldham, III Director, Region I

Cindy Widener Winn Director, Region III

Tim Goss Director, Region III

Matt Felgendreher Young Agents Director

Bob McIntire Immediate Past President 8

Reno Benson is the executive vice president of Anderson Benson Insurance & Risk Management in Nashville, and serves as a Director of Region II. He is a Nashville native and attended Vanderbilt University. His insurance career began in 1977 with Continental Insurance, and in 1983 he joined Polk & Sullivan Group in Nashville as a producer for commercial lines and surety. During his tenure with Polk & Sullivan Group and its successor organizations – first Synaxis Group and later First Horizon Insurance – Reno assumed a number of managerial roles. He was most recently a senior VP of First Horizon Insurance before co-founding Anderson Benson Insurance in 2012. In addition to his work with Insurors, Reno also enjoys spending time with his family and currently serves on the boards of several community groups. He and his wife, Katie, have two sons, William and Alex, and a daughter, Murray. William and his wife, Suzanne, have one daughter, Hayward. Bill Oldham, CIC is an owner and principal of Oldham and Cox Insurance in Knoxville and serves as a Director of Region III. He has been in the insurance industry for 23 years. After graduating from the University of Tennessee at Knoxville, Bill Oldham started his career at Travelers Insurance, then shortly after became the owner of Oldham and Cox Insurance, LLC. He is a previous member of the Penn National Insurance Agents Advisory Board, Grange Insurance Advisory Board, and the PIA of Tennessee Board. In 2015, his agency merged with Steve Cox Insurance Agency to form the current agency. He is a member of the Kiwanis Club of Knoxville and attends Cedar Springs Presbyterian Church. He and his wife, Amee, have been married for 24 years and have a daughter, Natalee. He loves the outdoors, whether it is water skiing, mountain biking or deep sea fishing. He is an avid runner and has completed four marathons – Chicago, Marine Corps, New York and Knoxville, as well as several half marathons. Cindy Widener Winn, CPS, CIC CBIA is the president and agency owner of Widener Insurance Agency in Johnson City since 1995 and serves as a Director of Region III. She was born and raised in Johnson City and earned her Bachelor of Science degree from the University of Tennessee at Knoxville. Immediately after college she obtained her CPA. In addition to her work with Insurors, she is active in her community including serving as Past President of JC Rotary Club. Cindy enjoys golf, reading, travel and collecting wine. Cindy and her husband Sterling Winn have been married for 26 years and have two children, Elizabeth, who joined the agency after graduating from UTK, and Michael, a Junior at North East Tech State. The family also has a Biewer terrier named Patches. Cindy also helps care for her mother, Hersel Widener, who is now 95 years old. Tim Goss, CIC is the president of Goss Insurance Agency in Chattanooga, and serves as a Director of Region II. Tim is a seasoned insurance professional with over 40 years of industry experience. He holds a CIC designation and is both president and founder of Goss Insurance Agency, established in 1985. Tim resides in Hixson but can often be found cycling on the roads in Chattanooga or traveling to Mexico with his wife Krista for mission work with villages in the Yucatan Peninsula. Matt Felgendreher is executive vice president and principal of WC Dillon Company and serves as Young Agents Director. A native of Lexington, Kentucky, and a 2006 graduate of Rhodes College, Matt began his business career as a property and casualty insurance producer in Memphis, Tennessee before joining Insight Risk Management / WC Dillon Company in August 2011. He combines strong technical insurance knowledge with the business acumen to fully interpret and mitigate a client’s exposure. Matt is a member of the Phoenix Club of Nashville, providing fundraising support for the Boys & Girls Club of Middle Tennessee. He is also a past board president of the Insurors of Nashville and past board member of the Nashville Humane Association. He enjoys running, golfing and rooting for the Kentucky Wildcats with his wife Tori by his side. Bob is a co-founder and principal agent of McIntire & Associates Insurance and Real Estate in Cleveland and serves as Immediate Past President. He graduated from Lee College in Cleveland with a degree in Business Administration and he and his father founded their agency in 1981. He previously served on the Board as a Director and VP of Region III. In addition to his work with Insurors, Bob serves as chairman of the Economic Development Council for Cleveland/Bradley County, is a member of the Industrial Development Board of Cleveland/Bradley Co., a trustee for the Cleveland State Community College Foundation, and is the treasurer and a board member for Life Bridges Inc. He also volunteers on the Stewardship Committee at First Baptist Church where he and his wife, Melinda, along with their children, Robby and Emily, are members. u The Tennessee Insuror

The Tennessee Insuror

Insurance and Risk Management Across the Cyber Landscape Perhaps now more than ever insurance agencies and brokers are more aware of the cybersecurity risks most organizations face today. Certainly, in the wake of a turbulent cyber liability renewal season insurance professionals have a keener understanding of the rapidly evolving cyber risk landscape. From a pure insurance perspective, the depth and breadth of the challenge along with the complexity of the problem makes it difficult for underwriters to fully understand, predict and price the risk associated with technology assets, data and privacy coupled with a company’s cybersecurity posture in general. This challenge is likely to continue into the foreseeable future. Indeed, no organization large or small is immune from ransomware, denial of service, malware injection or other cyberattacks. The perpetrators range from lone wolf hackers, to organized crime syndicates to sophisticated state sponsors of cyberattacks. In fact, as this column is being written the United States Cybersecurity & Infrastructure Agency, responsible for coordinating the nations cyber defense with the private sector, is issuing strong warnings to organizations. While a strong cyber insurance policy is important in managing and mitigating cyber risk, there is no substitute for robust defense at the company and individual level. Organizations and individuals must persistently maintain a strong cyber defense posture.

Provided below is the recent warning provided by the U.S. Cybersecurity & Infrastructure Agency which provides a good look into the threat level and the steps organizations need to take to be ready in any circumstance. In short, as organizations, employees, and individuals, we need to harden our cyber defenses. Implement Cybersecurity Measures Now to Protect Against Potential Critical Threats Source: U.S. Cybersecurity & Infrastructure Security Agency Every organization in the United States is at risk from cyber threats that can disrupt essential services and potentially result in impacts to public safety. Over the past year, cyber incidents have impacted many companies, non-profits, and other organizations, large and small, across multiple sectors of the economy. Most recently, public and private entities in Ukraine have suffered a series of malicious cyber incidents, including website defacement and private sector reports of potentially destructive malware on their systems that could result in severe harm to critical functions. Continued on page 13

The Tennessee Insuror

Strengthen your independence.

Keystone’s partners maintain their independence while benefiting from added resources on a national scale. We work shoulder-to-shoulder with partner agencies to strengthen their agency and offer resources and solutions to support their specific goals.

Agency Solutions

Business Solutions

Personal Solutions

Agency Management Partner Support Services Organic Growth Claims Management Carrier Relations Profit & Growth

Property & Casualty

Bonds

Insurance Placement Services

Insurance Placement Services Programs

Financial Services

Employee Benefits Group Health Ancillary Benefits

Financial Services Risk Management

That’s how independence works better together!

FOR MORE INFORMATION: Michele Bicknell 570.473.2148 | mbicknell@keystoneinsgrp.com keystoneinsgrp.com The Tennessee Insuror

BuildersMutual.com

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

The Tennessee Insuror

Who has access to your hardware, software, network, cloud? To what extent?

Do you educate staff on email security? And remind them regularly? One email can paralyze your whole system.

The identification of destructive malware is particularly alarming given that similar malware has been deployed in the past— e.g., NotPetya and WannaCry ransomware—to cause significant, widespread damage to critical infrastructure. This CISA Insights is intended to ensure that senior leaders at every organization in the United States are aware of critical cyber risks and take urgent, near-term steps to reduce the likelihood and impact of a potentially damaging compromise. All organizations, regardless of sector or size, should immediately implement the steps outlined. Reduce the likelihood of a damaging cyber intrusion • Validate that all remote access to the organization’s network and privileged or administrative access requires multi-factor authentication. • Ensure that software is up to date, prioritizing updates that address known exploited vulnerabilities identified by CISA. • Confirm that the organization’s IT personnel have disabled all ports and protocols not essential for business purposes. • If the organization is using cloud services, ensure that IT personnel have reviewed and implemented strong controls outlined in CISA's guidance. • Sign up for CISA's free cyber hygiene services, including vulnerability scanning, to help reduce exposure to threats. Take steps to quickly detect a potential intrusion • Ensure that cybersecurity/IT personnel are focused on identifying and quickly assessing any unexpected or unusual network behavior. Enable logging in order to better investigate issues or events.

Password strength and confidentiality is one more important key to keeping data private and systems secure.

Ensure that the organization is prepared to respond if an intrusion occurs • Designate a dedicated crisis-response team with main points of contact for a suspected cybersecurity incident and roles/ responsibilities within the organization, including technology, communications, legal and business continuity. • Assure availability of key personnel; identify means to provide surge support for responding to an incident. • Conduct a tabletop exercise to ensure that all participants understand their roles during an incident. Maximize the organization's resilience to a destructive cyber incident • Test backup procedures to ensure that critical data can be rapidly restored if the organization is impacted by ransomware or a destructive cyberattack; ensure that backups are isolated from network connections. • If using industrial control systems or operational technology, conduct a test of manual controls to ensure that critical functions remain operable if the organization’s network is unavailable or untrusted. By implementing the steps above, all organizations can make near-term progress toward improving cybersecurity and resilience. In addition, while recent cyber incidents have not been attributed to specific actors, CISA urges cybersecurity/ IT personnel at every organization to review Understanding and Mitigating Russian State-Sponsored Cyber Threats to U.S. Critical Infrastructure. CISA recommends organizations visit StopRansomware.gov, a centralized, whole-of-government webpage providing ransomware resources and alerts.

• Confirm that the organization's entire network is protected by antivirus/antimalware software and that signatures in these tools are updated.

As the nation’s cyber defense agency, CISA is available to help organizations improve cybersecurity and resilience, including through cybersecurity experts assigned across the country. In the event of an incident, CISA is able to offer assistance to victim organizations and use information from incident reports to protect other possible victims.

• If working with Ukrainian organizations, take extra care to monitor, inspect, and isolate traffic from those organizations; closely review access controls for that traffic.

Report all incidents and anomalous activity to CISA and/or the FBI via your local FBI field office or the FBI’s 24/7 CyWatch at 855.292.3937 or CyWatch@fbi.gov. u

It just takes one. The Tennessee Insuror

New Website for Insurors of Tennessee Members

For the past several months the Insurors of Tennessee has been busy working on the development of a new website designed to better support members, attract prospective members, and enhance the overall operations of the association. By the time you read this article, the new website will be nearing its official launch date. Today, between 40 to 60 percent of website visits occur on a smart phone or tablet, as opposed to a desktop computer or laptop. To address this trend, the new website is fully responsive meaning the site detects and adapts to the device you are viewing it on to create a better user experience relative to how the site displays and how you navigate the site on any device. This capability alone is a significant improvement over the previous site. In short, we intend for the new site to be feature rich and easy to use whether you are using your smart phone, table or desktop computer. The site is also search engine optimized making it much easier for members and prospective members to find us on the web. Special attention has been paid to navigation structure to make it much easier for members to find and locate the information and services needed. From a cybersecurity 14

standpoint, the new website uses a number of security technologies to safeguard against cyberattacks and to protect member data and association information resources. While the focus of the website is on the public facing elements of the website to better serve members, the new site also has several components that will assist with the administration of events, ongoing communications with members and the overall operations of the association. The operational capabilities of the new site are robust and will enable Insurors of Tennessee staff to be more efficient and effective delivering products and services to our members. We are excited about the introduction of the new website this year and hope you find the website to be of greater value to you and your staff. We want to extend a special thank you to the professionals at GrowthZone for their help in developing and launching the website. We also want to express our appreciation to Titan Digital for their assistance and guidance during the development process. Be sure to visit www.insurors.org on a regular basis for information and resources available to you and your agency. u

The Tennessee Insuror

Along with offering workers’ compensation and

employers’ liability insurance, Stonetrust works to help companies prevent accidents and remain Stonetrust Safe – an entire system of in-house processes and services designed to achieve safety goals and keep premiums and claim costs down. At our core, we are a relationship-driven company and are always working hard to be the “first choice” workers’ compensation carrier in all of our markets.

800.311.0997

STONETRUSTINSURANCE.COM

Commercial Personal Lines We offer insurance solutions for homeowners and for small, medium, and large businesses with competitive pricing, an easy submission process, and the opportunity for multi-product discounts. Visit www.guard.com to see what we can do for you. Businessowner’s

Personal Umbrella

Commercial Auto

Professional Liability/E&O

Commercial Umbrella

Workers’ Compensation

Homeowners

Pay-As-You-Go options with over 200 payroll partners!

Thank You agents for

your continued support.

APPLY TO BE AN AGENT: WWW.GUARD.COM/APPLY/ Not all Berkshire Hathaway GUARD Insurance Companies provide the products described herein nor are they available in all states. Visit www.guard.com/states/ to see our current product suite and operating area.

The Tennessee Insuror

Meet June Taylor—Wilkinson Agency The Wilkinson Agency is located in White House, Tennessee about thirty minutes up I-65 from Nashville, not far from the Kentucky state line. The town was named for a historic white house that served as an inn for travelers transiting the old Louisville & Nashville Road on horseback or by stagecoach between Nashville and Louisville starting in the 1800’s. The inn gained notoriety when General Andrew Jackson stayed there before he was elected President on his way to Kentucky. He was purported to tell people, in good humor, that he had stayed at the White House, albeit not the one in Washington. By some accounts, President Andrew Jackson continued to stay at the inn when he travelled from Nashville to Washington from time to time. White House prospered as a small-town farm community until I-65 was built with an exit at White House in 1972. Since then, the community has steadily grown and developed into a thriving business and residential community. June Taylor started working in her family’s agency shortly after her graduation from Middle Tennessee State University in 1976. After working for a brief time at K-Mart, June joined The Wilkinson Agency in April of 1977. Working side by side with her mother, she learned about insurance and running the agency. June remembers taking Chuck Bidek’s licensing class in June of 1977 through the Insurors of Tennessee. She recalls that Chuck was a great teacher and she learned much about the insurance business through that class. She also quickly enrolled in a CIC course to further her insurance education only to be told by the instructor she might not be ready for the course. June asked that she be allowed to prove herself by going forward with the course that day. She scored quite high on that first test and in short order became the first woman in Tennessee to earn the Certified Insurance Counselor (CIC) professional designation in Tennessee. The Wilkinson agency was located just a couple of blocks from June’s parent's house, so they would often go home to have lunch. After about six months, June noticed her mother started taking more time away from the agency after lunch until one day she just did not come back. After working in the agency for many years, June’s mom was ready to turn over the day-to-day operation to her daughter. Though her mom 16

The Wilkinson Agency located in White House, TN is a fourth generation family owned agency serving personal and commercial clients. was always available to answer questions and support June, her mom told her that as long as she was in the agency, clients would gravitate to her and not June. So, at twentythree years old, June became a young female agency principal in what was then a male dominated insurance industry. She has run the family business ever since. In a very real sense, she is somewhat of a trailblazer business woman in small town America. June’s biggest challenges in the beginning were to earn the trust of her clients, the respect of company representatives and how to adapt the agency to a rapidly changing insurance marketplace. As a young person, she was not afraid of technology and saw the benefit of employing technology in the operation. She became an early adopter of agency automation including the Rackley Rating system, AMS agency management systems and other software and hardware available to run an agency. She notes that eventually the agency migrated to Applied Systems. Looking back now, June says technology was one of the most essential elements of success for the agency and continues to be today. The technology allowed the agency to focus more on serving the insurance needs of their clients and on the growth of the business. June has also focused on hiring and keeping good people to serve clients and is quick to give credit to her staff who have worked diligently to serve agency clients with care and integrity. Over the course of June’s forty-four year career as an agency principal, she placed a strong emphasis on continuing education, community service, professional networking, and industry engagement. She has also served on numerous insurance association boards through the years. Giving back of her time and talent has also been a cornerstone of her success. Now, June’s son Andrew, an accountant, is an active partner in the business and the fourth generation of the family to carry the Wilkinson Agency forward into the future. One day when the time is right, like her mom who came before her, June may not come back from lunch, handing off the agency to the next generation. u The Tennessee Insuror

Maintaining a safe workplace shouldn’t be a daunting task. Protecting the workforce is what we do at Summit, and we’re here to help every step of the way.

summitholdings.com Policies are underwritten by Bridgefield Casualty Insurance Company and Bridgefield Employers Insurance Company, authorized insurers in AL, AR, FL, GA, IN, KY, LA, MS, NC, OK, SC, TN, TX and VA;

The Tennessee Insuror

BusinessFirst Insurance Company, authorized in FL, GA, IN, KY, NC, SC, TN and VA; ©2022 Summit Consulting LLC (DBA Summit, the people who know workers’ comp LLC), PO Box 988, Lakeland, FL 33802. All 17 rights reserved.

MTSU Prepares Business Students for Insurance Industry Careers Dr. David Wood is a risk management and insurance professor at Middle Tennessee State University. He also holds the Martin Chair of Insurance in the Jones College of Business at MTSU. Prior to his career in education, Wood worked as an independent agent with research interests including risk financing, solvency issues and agency/brokerage operations. He has published extensively in academic and insurance trade journals. He earned his Doctor of Business Administration degree from Louisiana Tech University, MBA from the University of Mississippi, and undergraduate degree from Delta State University. Recently, Insurors conducted an interview with Dr. Wood.

Insuror: Can you tell us how MTSU prepares students for insurance and risk management careers? Dr. Wood: Of course! MTSU is the only college in Tennessee to offer a major in risk and insurance. A lot of times students are attracted to this field from other majors. We also offer the opportunity for students to work on their CPCU and CIC. We involve our students in case competitions. Our student team recently finished 2nd then 1st in Selective’s College Competition against the selected eight teams. This goes to show the fine quality of MTSU’s students. When we were invited to select a team, I handpicked the students that showed outstand-

ing knowledge and passion for the field. This competition was started by the Independent Agents and Brokers of America. This offers real world exposure on what its like to manage an insurance agency. Internships are another excellent way for students to gain experience in the field. The students at MTSU are encouraged to join the Martin Chair LinkedIn group and Gamma Iota Sigma where they can learn from lots of guest speakers and travel for conferences and workshops. Career fairs never fail to yield great outcomes for students looking to get involved within the industry and to meet future employers.

Insuror: Why do you believe insurance and risk management is a good field of study and a strong industry for job/career growth? Dr. Wood: I say it all the time that nothing happens without insurance. It is the lifeblood of our economy and is a great source of opportunity. In this field it is critical to emphasize integrity and good faith. Insurance tries to make the world a better place and is an industry that doesn’t produce tons of waste. It helps people recover financially when losses occur. More people should focus on the quality of insurance because it’s not all the same. As the economy grows the need for insurance will grow as well.

Insurror: What types of jobs have you seen MTSU graduates accept in the industry? Dr Wood: All sorts of job are available in this industry. I have seen graduates take on entry level positions going into un-

The Tennessee Insuror

derwriting and claims. Some go on as successful agents and I’d like to see an increase, but many agencies miss out because they want their new hires to have previous experience. I’ve seen students go into risk management or even marketing assistants and education/for-profit assistants. I have also seen students getting involved with the state commerce through administering exams and regulating agents. Other notable positions students of mine have made me proud to see them take on include regional directors or Executive Vice Presidents, as well as various senior positions within their organizations. I am pleased that Young Risk Professionals offers numerous agents connections with leadership positions within their organizations.

Insurror: How do you see MTSU and the Insurors of Tennessee working together to develop students into insurance & risk management professionals for the future? Dr. Wood: I am currently working with Thom Coats, the Director of the IGA Professional Sales Program at MTSU to put together an insurance sales internship. We are currently looking for independent insurance agencies to work with. Currently, most of our students are going to work for large organizations because they have formalized recruitment programs, but we want to extend the reach of more local agencies as well. Right

now, we have Chip Hoover mentoring our case competition team and the students are thrilled. Perhaps a shadow day for students with different agencies would help them with finding the right fit. Of course, I can’t leave out the financial contributions Insurors of Tennessee has made through scholarships and financial aid for students going into the insurance industry.

Insuror: How do you think the value of insurance will change in the future? Dr. Wood: It will keep growing. Life is always uncertain and insurance will become more and more important. The uncertainty creates a need for insurance professionals to be forward thinking. We need insurance products that can address driverless cars, cyber security, Google assistants, and home Alexas. More people are beginning to work remotely so what will that mean for workers compensation? We need to continuously seek to improve health insurance and data analysis along with classes of risk. I am also dedicated to encourage more diverse students to consider insurance as a career opportunity as they have so much value to offer.

Insuror: Thank you for taking the time to speak with us Dr Wood. We look forward to working with many of your students in the years to come. u

Half page Ad

2022 JM Wilson TNInsur OUTLINES.indd 2

The Tennessee Insuror

12/6/21 2:37 PM

We answer to main street, not Wall Street.

For more information about our products, please contact one of our territory managers at 615-889-2740. Brent Potts ext 7514 Jane Kinard ext 7518

As a mutual company, we are owned by our policyholders. We focus our

Andy Wilder ext 7545

time, attention, and resources on delivering superior financial strength and stability, a comprehensive product portfolio, and most of all, on doing what’s right for policyholders. To us, policyholders are much more than insurance consumers. And because of that, all of our business decisions are made with a policyholder-first focus.

www.PennNationalInsurance.com

The Tennessee Insuror

From Your President Norfleet Anthony, III

presented by

Through All Manner of Challenges, This Association Has Served Members Since 1894 It is an honor to serve as the President of the Insurors of Tennessee following in the footsteps of my father, Norfleet Anthony, Jr. who served as President of the association back in 1989. It was during that time early in my career, with still much to learn about the insurance business, that I had my first professional exposure to this organization. I was fortunate to follow along with my dad as he travelled from Ripley to Insurors of Tennessee meetings and gatherings across the state of Tennessee. It was during those trips that I gained a greater understanding about the depth and breadth of our business and the important role insurance plays in our economy and in all aspects of our communities. It also became clear to me then that the Insurors of Tennessee served a critical role in developing, supporting, and shaping our industry in this state. It was as true then as it is now. Today, Tennessee has one of the healthiest and most competitive insurance markets in the country where insurance companies seek to do business, independent agencies can be successful, and consumers benefit from competitively priced insurance products and services. In short, we have a robust insurance industry in this state that effectively serves the marketplace. The same cannot be said for all states. It did not occur through happenstance.

It happened because professional independent insurance agents from Memphis to Bristol and points in between worked together in common purpose to identify areas of improvement in our industry and developed solutions to sometimes complicated and perplexing insurance issues. Those who serve on the Insurors of Tennessee Board of Directors are the people who drive this process. They are also the conduits for the flow of information from independent agencies across the state concerning a range of topics. I encourage you to contact the Board Member representing your area of the state with observations, questions, or issues that you believe warrant attention from the association. This is your association. Your input and active participation are the keys to our ongoing success. As I look back with some historical context, we are fortunate to belong to this historic association that has been serving members and the greater insurance community in Tennessee since 1894. Through all manner of challenges including wars, economic downturns, political turbulence, natural disasters, terrorist attacks, pandemics and the list goes on, this association persevered and continued to serve.

The common thread is that those who came before us banded together in a cooperative spirit to meet those challenges and solve problems collectively as an association. Over the course of history, we have proven this organization is strong, resilient, and able to adapt to an everchanging environment. From a strategic perspective, this year I hope to be able to focus the efforts of the Insurors of Tennessee to further enhance the insurance education components we offer, support the ongoing development of Young Agent’s initiatives, make certain our voices are heard on Capitol Hill on matters important to the association, further engage small town/rural agencies, and continue our outreach to women in insurance. I will also be prepared to address any emerging issues in this fastmoving insurance industry landscape as we go forward. Thank you to outgoing President Bob McIntire, who did an exemplary job leading through some challenging times created by a historic pandemic. Bob left a very strong foundation for future success. I look forward to upholding the best traditions of the Insurors of Tennessee association, while working with the board of directors, CEO Ron Travis, his staff and members, to meet the needs of our membership in 2022. Forward we go! u

RIpley, TN is home to Norfleet Anthony, III as well as S.N. Anthony, Inc.

The Tennessee Insuror

We do more. So you can grow more. The right products and programs to help you compete.

The Tennessee Insuror

From Your IIABA National Director Cindi Gresham, CIC

As a Member, You Receive a Plethora of Products and Programs What do you receive for your membership with the Insurors of Tennessee/Big I TN? In addition to those services offered by our State Association, the Insurors of Tennessee, you also are enrolled as a member of our National Association, the IIABA (Independent Insurance Agents and Brokers of America) or The Big “ I”.

counts. What could be better? Big “I” Flood has developed a relationship with Selective to provide agents with the support they need to meet any flood needs. Flood 2.0 is changing the way we write flood insurance, and you need to be up to date on the new rating and policy changes in the National Flood program.

Did you know that at the Insurors of Tennessee our three basic services are Lobbying, Education, and Member Benefits? Trey Moore is our State Lobbyist. Trey is always looking out for your interest as an Independent Insurance Agent in the legislature and works to keep you informed of our State Government Affairs. Teresa Durham, our Education Specialist, sets up our education classes and files CE but she also will assist you with your insurance questions, policy coverages, exclusions and the various laws affecting our industry. If you need an insurance expert, Teresa is the one to call. Stephen Holmes is our director of our For-Profit Services and runs our E&O program along with the RLI Umbrella and Cyber programs. He can also help you with a Home Business policy with RLI. Whether you are a one man shop or an Alliance Group, Stephen has a program for you. Lobbying, Education, Member Benefits, on the local level.

Eagle Agency incubates personal lines agencies until a member qualifies for a direct appointment with a carrier. You maintain ownership of your business, receive direct access to the carrier’s portal and commissions are graduated based on volume. Does your agency need help with your Employee Benefits? The Big “I” program provides full service group benefits for member agents. From Group Life, Group Short Term Disability, Dental and Vision and Long Term Disability the Big “I” Staff is ready to help. InsurBanc is there to help our members with acquisition and perpetuation loans and understand cash flow as it relates to your banking needs. They understand our business.

Did you know that the Big “I” has a Retirement Services Division? They can help you maximize owner’s contributions, lower your agency tax burden and help retain key employees. Let them tailor a program to fit your needs. You also need to check out the Business Resources tab in the Big “I” web site. You can receive preferred pricing on various services including Insure Response, DocuSign, Caliper, Rough Notes Advantage Plus, UPS, Web Designers, InsurBanc and The Mines Press. This is only the beginning. The Big “I” also has a variety of programs from Ask an Expert, Best Practices, Big “I” Hires, E&O Risk Management, Invest, Trusted Choice and Virtual University along with education programs that agents need and require. By accessing The Big “I” programs you help our State Association as well. To find out more about our State and National programs please go to the web site or reach out to our staff at the Insurors of Tennessee. They will be glad to help. Thank you for your membership and support of our association, both on the state and national levels. u

On the national level, our Big “I” National Association offers a plethora of products and programs to all state association members. Let’s discuss some of the Products that they provide. Big “I” Markets (BIM) provides insurance markets for those agents needing to place business. You own your expiration, there are no access fees and are under no obligation to submit other acThe Tennessee Insuror

It shouldn’t take four days with no power, water, or communication to find out who your friends are.

BUT SOMETIMES IT DOES. And that’s the Silver Lining®.

The Tennessee Insuror

From Your CEO Ron Travis

presented by

Change, Resilience and a Commitment to Service Founded in 1894, today the Insurors of Tennessee has grown to over 500 agency and associate members representing more than 5000 individuals who work in insurance agencies or affiliated organizations. Our primary mission is to create the conditions to ensure that we have a strong and vibrant insurance industry in Tennessee where independent agencies can thrive in service to their clients. We serve our members in several important ways including professional education and development, governmental and legislative affairs, the development of young insurance professionals and by providing members access to specific insurance products to support growth and development. Products we offer include Errors & Omissions, Personal Umbrella, Home Business and Cyber Insurance. As is the case with any organization that has successfully grown, developed, and navigated the past 128 years, the Insurors of Tennessee story is one of change and adaptation to meet the challenges of the day. Today is no different. Like many other professional associations, we have seen challenging times related to operating in a pandemic, maintaining staff and a myriad of other issues. Nevertheless, we have met the moment and are on our way to becoming a stronger, better, and more agile organization able to adapt to an everchanging insurance and business landscape. Part of the strength and agility of this organization resides in the Insurors of Tennessee staff. We are proud to have a talented and dedicated team to serve your needs now and into the future. While some of the names may be new to you, rest assured this group of people bring a wealth of talent and experience to the The Tennessee Insuror

association. When you have the opportunity, please take the time to get to know our staff and how they can assist you and your organization. Trey Moore is our governmental affairs specialist or more commonly referred to as our lobbyist. He brings twelve years of experience and deep knowledge about the Tennessee General Assembly. He is a strong advocate for the association and works to make sure the insurance industry maintains a fair and favorable legislative and regulatory environment in Tennessee. tmoore@insurors.org Jake Smith is our Director of Operations. Jake brings a wealth of knowledge and experience to Insurors. In his first six months, he has gone above and beyond to develop innovative solutions and introduce new ideas to the association. Most importantly, he truly cares about our association, and it shows through his dedication and commitment. Jake’s work ethic is impressive, and his ideas are spot on most every time. jsmith@insurors.org Colleen Vance has been with our association for many years as accountant and has taken on many responsibilities as our longest serving employee. In addition to being the organization’s institutional memory going back years, she plays a major roll keeping our association strong and resilient. cvance@insurors.org Stephen Holmes is known throughout our industry as one of the foremost E&O underwriters in the industry. His commitment to our members is steadfast and his passion shows through his work. Stephen also underwrites our RLI book which is seeing record growth. He is a key person to have on your team for

E&O, Cyber, RLI and other Big I products. sholmes@insurors.org Teresa Durham brings over thirty years of insurance knowledge to the association. Her passion for insurance education is readily apparent once you see her at work in a classroom or via a webbased presentation. It is truly a blessing to have Teresa as part of our team. Currently, Teresa is exploring options to build and strengthen our education program through high school and college curriculum. These education pathways will greatly assist with the development of candidates for insurance positions as member agencies search for qualified agency employees. In addition, Teresa heads up our Women in Insurance program. tdurham@insurors.org Be sure to learn more about our newest employees Kyra Garrison, Marketing Assistant and Aliyah Turner, Policy Services Assistant, in the Association News section of this magazine. In addition, Kimberly Clune was recently named as Administrative Assistant. We are excited to welcome them to the Insurors of Tennessee and look forward to the contributions they will make in our effort to deliver extraordinary service to members. Our first commitment is and always will be to serve the needs of our members and partners with integrity and purpose. We seek to make a real difference in the success of your organization with our knowledge, experience, services, and products. Conversely, we need your commitment as members and associate members to be engaged in the association and support our initiatives. Together, we can make 2022 a great success! u 25

Tennessee Young Agents '22 Future Leaders Spotlight

presented by

Jonathan Peters, CLCS • SouthPoint Risk, Nashville Jonathan Peters is a Producer/Risk Advisor for SouthPoint Risk Insurance & Bonds located in Nashville, Tennessee. He joined the firm in the Spring of 2021 after spending several years working with Enterprise Corporation in various auto and truck fleet rental management roles. While there he gained a substantial amount of business and sales experience. He is a graduate of the University of Mississippi (Ole Miss) where he earned a degree in managerial finance.

The Insuror: Tell us where you are from and bit about yourself.

I grew up in Jackson, Mississippi and attended Jackson Preparatory High School before going off to college at Ole Miss in Oxford, Mississippi. I had a great educational experience at Ole Miss and received a great education that prepared me for the business world. While at Ole Miss, I ran into three guys who shared my passion for music. We started a band called Riverside Voodoo that played rock and roll, blues, and other genres. I played drums and sang vocals. We played at some local establishments and even toured around a bit. The band is still active today. We also have written and produced some original music that is available on Spotify and iTunes. While I was at Ole Miss, I was also fortunate to meet my wife. My home state of Mississippi has always been and will continue to be a special part of my life.

The Insuror: What was your business experience before joining the insurance industry?

After playing in the band/bartending for a few years after college, my discontent and drive for a professional career is what brought me to Nashville in 2016. I went to work for Enterprise Corporation like many young college graduates seeking to gain sales, business, and managerial experience. As I developed more experience and knowledge, I was promoted into various management positions with each position leading to new and greater responsibilities. 26

The Insuror: What attracted you to the insurance industry?

When the Covid-19 Pandemic struck, Enterprise was in one of the industries really impacted. While several Enterprise employees were furloughed, I was fortunate to retain my job. While I appreciated the opportunities Enterprise offered to me and the great relationships I developed there, I started thinking about other options. It was around this time that I was contacted by SouthPoint Risk about becoming a Producer/Risk Advisor for the company. I was attracted to the insurance industry because I was looking for a career where I could leverage and transfer my education, experience and skill sets to be successful. From my perspective, the insurance industry also offered greater earnings potential and a better career development opportunity.

The Insuror: What professional insurance education have you completed and what are your future education plans?

At this early point in my insurance career, I have completed insurance education to earn my insurance license and the Commercial Lines Coverage Specialist designation (CLCS). Going forward, I have already enrolled in my first CIC class to continue to build my insurance knowledge and expertise. I look forward to earning the Certified Insurance Counselor (CIC) professional designation.

The Insuror: What have you learned about what it takes to be successful in the insurance business at this point?

The most important thing I have learned so far is that attention to detail is critical to make sure clients have the coverage they need and to earn the trust of insurance underwriters. I also know it is very important to be transparent and honest with clients about insurance matters relative to coverages and areas of exposure. It is my responsibility to tell them what they need to know and not just what they want to hear. Finally, insurance and insurance terminology can be difficult to understand for individuals and businesses. It is part of my responsibility to explain insurance in terms clients can understand and to make the insurance business more relatable. Thank you for sharing your story, Jonathan. We wish you much success in your insurance career. u The Tennessee Insuror

Are you making the Right Choice for their Business?

Introducing Your 2022 Young Agents Committee We are pleased to represent YA from across the state. We are working to schedule socials, classes and volunteer opportunities for insurance professionals under 40. Please reach out to any of us throughout the year. More soon. Matt Felgendreher – Chair Executive Vice President W.C. Dillon Company & Insight Risk Management Nashville mfelgendreher@irmllc.com Derek Wright – Immediate Past Chair Agent/Principal Graham & Cook Insurance Knoxville derek@grahamandcook.com Jordan Hall – Region I Agent Insight Risk Management Memphis jordanhall@irmllc.com Mac Hill – Region I Agent McDaniel-Whitley, Inc. Memphis mhill@mcwins.com

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 Contractors • Utility Contractors • Land Improvement Contractors • Pavement Maintenance-Non DOT

• Services Contractors • Building Cleaning & Maintenance Contractors • Construction Material Suppliers • Manufacturing • Wholesale and Distributing

* All classes may not be available in all states.

Our 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” •

John Brock – Region II Agent/Partner Brock Insurance Agency, Inc. Chattanooga johnb@brockins.com

Want to know more? Bill Vanderslice, Regional Vice-President 615-932-5508 | bvanderslice@berkleysig.com or your Middle Market Underwriter

Jonathan Peters – Region II Producer/Risk Advisor SouthPoint Risk Nashville jpeters@southpointrisk.com Chaz Goodin – Region III Agent/Owner Elite Insurance Group Knoxville cgoodin@eliteinsgroup.org Sam Organek – Region III Agent Griffin Insurance Agency, Inc. Kingston skinney@griffinins.com The Tennessee Insuror

Your Back-in-Business Insurance Company®

berkleysig.com

Berkley Southeast Insurance Group is a member company of W. R. Berkley Corporation, whose insurance company subsidiaries are rated A+ (Superior) by A.M.Best. Products and services are provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. A M

BEST

0719-38

PARTNERS FOR TENNESSEE

certified

diamond 2022

Thank you for your supPort of Tennessee Independent Agents certified

The generous support of Insurors of Tennessee partners is a key component of our ability to deliver a wide range of services and support to members and to ensure we maintain a healthy and vibrant insurance industry in Tennessee. The strength of this organization is born out of the engagement and involvement of our industry partners and members.

Platinum 2022

certified

Gold 2022

As members, please take note of our partners and consider doing business with them if the opportunity arises. We look forward to a positive and productive 2022. certified

silver 2022

certified

bronze 2022 28

ACCIDENT FUND INS. CO. OF AMERICA • AGENTS FOR HOPE • AMSHIELD INSUR BURNS & WILCOX • CELINA INS. GROUP • CENTRAL INS. GROUP • CINCINNATI INS. • COL GRAHAM-ROGERS INSURANCE • HIPPO INSURANCE • KEY RISK | A BERKLEY COMPANY • M STATE AUTO • SIS - PARTNER PLATFORM • SWISS RE LAWYER'S PROFESSIONAL LIABILITY •

FLOOD INSURANCE



RANCE • AMTRUST • ASSOCIATTED INSURANCE ADMINISTRATORS, INC • BERKSHIRE HATHAWAY GUARD INS. LUMBIA INS. • COTERIE INS. • COWBELL CYBER • EMC INS. • EVOLVE MGA • FOREMOST INSURANCE • FCCI INSURANCE METHOD INSURANCE • MIDWEST INS. • OPENLY • PREVISOR INS. • SAFEWAY INSURANCE • SOUTHERN INSURANCE UND. THE ZENITH

Government & Legal Update Advocacy Update: Legislature Reconvenes, Federal Group Health Producer Disclosure Regulations Take Effect The 112th General Assembly reconvened for the 2022 regular session on Tuesday, January 11th. It follows a year in which the Legislature, in addition to its 2021 regular session, convened three extraordinary sessions to focus on K-12 education (January), COVID-19 (October), and to approve state incentive grants for Ford Motor Co.’s new manufacturing facility in West Tennessee (October).

Governor Outlines Priorities in State of the State Address, Proposed FY23 Budget

Governor Bill Lee addressed a join convention of the Tennessee General Assembly in the House Chamber on January 31st to deliver his “State of the State” address. The annual speech is historically an occasion for the Governor to reflect on previous accomplishments, outline the administration’s new policy priorities, and propose a new state operating budget for the next fiscal year. The governor’s theme, “Tennessee – America at its best,” focused on “policies that reinforce freedom, innovation, exceptionalism, and optimism.” The proposed $52.6 billion budget represents a nearly $10 billion increase from the previous year, with extra revenues due in large part to one-time federal stimulus funding and strong state tax collections despite the pandemic. The “big reveal” of the governor’s plan was a $1 billion increase in recurring spending for K-12 education. The announcement comes as the governor seeks a total overhaul of the state’s K-12 funding formula, known as the “BEP.”

Where Each Tax Dollar Goes Education - 41¢ Health & Social Services - 24¢ Law, Safety & Correction - 9¢ General Government 8¢ Transportation - 7¢ Cities & Counties - 5¢ Resources & Regulation - 4¢ Business & Economic Development - 2¢ Source for charts: www.tn.gov/content/dam/tn/governorsoffice-documents/ governorsoffice-documents/GovLee_FY23_Budget_OnePager.pdf

The Tennessee Insuror

New Allocations - $8.085B K-12 Education & CTE 13% - $1B Higher Education & CTE 24% - $1.9B Health & Social Services 7% - $545M Law & Safety - 7% - 602M Transportation & Infrastructure - 8% - $627M Rainy Day Fund & Debt & Liability Reductions 20% - $922M Capital Improvements 11% - $1.6B Other - 10% - $795M

10%

13%

11% 24% 20% 8% 7% 7%

Other highlights and breakdown of the governor’s proposed FY23 budget are below: • $2.75 billion in capital improvements and maintenance for state-owned and higher education property • $623 million additional road infrastructure projects • $125 million increase in state funding of teacher salaries • $356 million for a new law enforcement training academy • $200 million Tennessee College of Applied Technology • $82 million uncompensated care payments for public hospitals • $90 million to stave off tuition increases at public universities

New ERISA Disclosure Requirements

We have received a few inquiries from members across the state seeking direction regarding the new federal disclosure requirements and thought it might be helpful to highlight the new changes and share some useful resources on the changes. As a reminder, Section 202 of the Consolidated Appropriations Act (CAA) was signed by President Trump in 2021 and became effective September 27, 2021. The new federal law imposed new disclosure requirements for providers, carriers, and brokers of health insurance in both the individual and group health markets. Some provisions of the new law apply directly to group health producers and consultants and are administered by the U.S. Department of Labor (DOL). On December 30, 2021, DOL issued a new bulletin in lieu of official regulatory guidance (i.e. “Field Assistance Bulletin No. 2021-03,” or “Bulletin”) to announce DOL’s “temporary enforcement policy” under ERISA. In pertinent part, the 31

Government & Legal Update continued bulletin summarizes the impact to brokers and consultants as follows: “The new disclosure requirements in ERISA section 408(b) (2)(B) apply to persons who provide “brokerage services” or “consulting” to ERISA-covered group health plans who reasonably expect to receive $1,000 or more in direct or indirect compensation in connection with providing those services. The information required to be disclosed under ERISA section 408(b)(2)(B), which includes both direct and indirect compensation that is expected to be received in connection with a contract or arrangement between a covered service provider and a covered plan, generally must be disclosed reasonably in advance of the parties entering into such contract or arrangement. The required disclosures are intended to provide the responsible plan fiduciary with sufficient information to assess the reasonableness of the compensation to be received and potential conflicts of interest that may exist as a result of a covered service provider receiving indirect compensation from sources other than the plan or the plan sponsor. The CAA provides that the ERISA section 408(b)(2)(B) amendments apply beginning one year after the date of the CAA’s December 27, 2020 enactment, i.e., December 27, 2021.” U.S. Dept. of Labor, Field Assistance Bulletin No. 2021-03.

In January, our partners at the IIABA (“Big i”) have developed and published resources to help those in the group health markets transition to the new disclosure requirements. Accessible via the “Big i” web address below, is a summary of the new requirements, a “Frequently Asked Questions” document, and a sample disclosure form to help with your compliance efforts. We’ve also included a link to the DOL bulletin. We hope you find the resources instructive. Dept. of Labor Field Assistance Bulletin No. 2021-03 www.dol.gov/sites/dolgov/files/EBSA/employers-andadvisers/guidance/field-assistance-bulletins/2021-03.pdf “Big i” FAQ and Sample Disclosure Form w w w. i a m a g a z i n e . c o m /n e w s / i c y m i - n e w - f a q - a n d sample-disclosure-form-on-producer-health-insurancecompensation-disclosure-requirements About the Author Trey Moore is the government and legal consultant for Insurors. He operates Trey Moore Consulting in Nashville and formerly served as senior public policy counsel for one of Nashville’s largest law firms. Trey has over a decade of experience in representing clients before the Tennessee General Assembly and state government. u

Cargo Insurance | Commercial Auto Physical Damage Commercial Auto Liability | Truckers General Liability | More We use common sense underwriting and deliver exceptional service. If your agency is not currently doing business with Southern Trace Underwriters, give us a call.

We insure many types of trucks. No size limits. snafe@stunderwriters.com www.stunderwriters2.com 615.263.1725 32

Southern Trace The Tennessee Insuror

TOGETHER

WORKING

“Exclusive member agencies, collaborating to bring the best insurance solutions to their clients.” The Allison Insurance Group - Jackson Assured Insurance Consultants, LLC - Morristown Bagley & Bagley Insurance - Fayetteville Boyle Insurance Agency, Inc. - Memphis Burke, Powers & Harty - Bristol Carnal-Roberts Agency, Inc. - Lexington Frank E. Neal & Company, Inc. - Nashville Goss Insurance - Hixson Higgins Insurance - Clarksville/Hopkinsville, KY Inter-Agency Insurance Services - Knoxville 38

Martin & Zerfoss, Inc. - Nashville McInturff, Milligan & Brooks - Greeneville Miller | Loughry | Beach Insurance Services - Murfreesboro Ownby Insurance Service, Inc. - Sevierville Powell & Meadows Insurance Agency - Carthage Smith-Berclair Insurance, Inc. - Memphis S.N. Anthony, Inc. - Ripley Sunbelt Insurance Group - Chattanooga Tigrett & Pennington Inc. - Dyersburg Watauga Insurance, Inc. - Johnson City

Get more information now at www.securerisk.com

The Tennessee Insuror

TOP FIVE REASONS AGENTS LOVE

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

Unparalleled Financial Strength RATED #1 COMPANY FOR

World-Class Claims Service

Responsive and RelationshipBased Underwriting

Stable and Consistent Market

Impeccable Culture

WORK-LIFE

BALANCE DURING COVID-19

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

SELL ACUITY!

The Tennessee Insuror

Association Update Insurors New Member Services Assistant Insurors is pleased to announce Aliyah Turner has accepted the position of Insurors Member Services Assistant. Aliyah is a Murfreesboro, TN native. In 2018, she pursued a degree in Risk Management and Insurance at Middle Tennessee State University. During her time at MTSU, Aliyah interacted with industry professionals, joined the award-winning honorary insurance fraternityGamma Iota Sigma, earned scholarships, and received two CPCU credits. The summer of her Senior year, she was an underwriting intern for Public Entity Partners, in Franklin, TN; where she renewed workers compensation, liability, and property policies for government entities. Aliyah’s internship experience opened new opportunities for her, such as working for Insurors of Tennessee. In November, she accepted the role of Insurance & Education Support Specialist, where she hopes to make a difference in Insurors of Tennessee’s education and for- profit departments. In December, Aliyah graduated with the academic distinction of Magna Cum Laude. Aliyah enjoys going to the gym, reading, and binge-watching her favorite TV shows.

social media platforms (i.e., Instagram, Facebook, and Twitter) to promote the organization and strengthen connections with both current and future partners. She also assisted to develop and execute campaigns ranging from media, content, and experimental for various clients and brand partners. In October 2021, Garrison was introduced to Jake Smith and Teresa Durham at MTSU’s Risk Management and Insurance career fair where she learned of the open marketing position. She graduated in December 2021 and took on the Marketing Assistant role for Insurors of Tennessee soon after. Now she is thrilled to be doing what she loves for such an outstanding company. “Success is loving life and daring to live it.” -Maya Angelou

Women In Insurance: WINS Schedule Events Starting 2022 off right, in January WINS hosted a wine tasting social event at the Insurors office in Nashville. The wine tasting proved to be an enjoyable event. Find photos below. WINS is open to all women in the insurance industry and encourages peer networking, idea exchange, and support of each other. Please mark your schedule to attend an event near you in 2022. 4/5 in Memphis 8/23 in Knoxville 10/17 in conjunction with the Annual Convention

Insurors New Marketing Assistant Insurors welcomes Kyra Garrision who has accepted the position of Marketing Assistant. Kyra Garrison was born and raised in the small yet lush town of McMinnville, TN, which made her grow to love all things outdoors. From hiking and kayaking to camping and advocating for wildlife, all are activities she still prioritizes today. In 2018, Garrison began her studies at Middle Tennessee State University where she earned her bachelor’s in business administration, graduated with honors from the MT Engage program, and was an active member of Gamma Beta Phi national honors and service society. It was here at MTSU where she found her calling in marketing. She previously worked in marketing for Do615 where she utilized various The Tennessee Insuror

Celebrating 75 Years Of Providing Competitive, Affordable Insurance. National Security has provided competitive, affordable insurance to policyholders for 75 years. We also provide our agents with competitive commissions, excellent customer service and experienced company adjusters. As a Southeastern based regional company, National Security prides itself on fast, efficient service from a friendly small town company. Our agent website provides fast quotes, online policy issuance, and real-time policy information. Find out more about our products by calling 1-800239-2358 or visiting nationalsecuritygroup.com.

Elba, Alabama Elba, Alabama

Dwelling Fire • Limited Homeowners • Comprehensive Mobile Homeowners • Vacant Property • Life & Health

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.

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

2/2/22 12:00 PM The Tennessee Insuror

Program Spotlight

PROFESSIONAL L I A B I L I T Y.

WHAT’S NEW WITH THE RPG POLICY FORM? Swiss Re Corporate Solutions is pleased to share these important changes in the RPG policy form with policyholders, effective February 1, 2022. Please note that the effective date may vary by state; check with your state program manager.

DEDUCTIBLE REDUCTION

Policyholders now have three ways they can reduce their deductible. Deductible will be reduced or waived by the largest of the three options up to a maximum of $25,000.

CONSENT TO SETTLE

The Consent to Settle clause has been removed.

INSOLVENCY EXCLUSION

The AM Best rating requirement has been relaxed from B+ to B.

PROFESSIONAL SERVICES

The deϐinition now includes services rendered in referring a client to another insurance professional.

KEY INSURANCE PROFESSIONAL ASSISTANCE

A new coverage for qualifying insureds will reimburse up to $5,000 for the services of an insurance professional if a key insurance professional becomes incapacitated.

NEWLY ACQUIRED ORGANIZATIONS

Automatic coverage if revenues of newly acquired business are less than 15% of existing insurance revenue and eligibility requirements are met.

AND MORE!

CATASTROPHE EXTRA EXPENSE FEATURE The time frame in which the expenses can be incurred has increased from 30 to 90 days. The limits provided are now in addition to the policy limits and do not reduce the limit of liability. PERSONAL DATA PROTECTION The limits provided are now in addition to the policy limits and do not reduce the limit of liability. PRE-CLAIM EXPENSE COVERAGE Until the date a claim is made, the company may pay for costs or expenses it incurs as the result of investigating a potential claim.

CRISIS MANAGEMENT The limits provided are now in addition to the policy limits and do not reduce the limit of liability.

OTHER INSUREDS Policy now includes coverage for independent contractors while acting on your behalf within the scope of their duties, whether or not they are a sub-producer. MARKETING OF PEOS The deϐinition of Other Related Services has been broadened to extend coverage for speciϐied activities in the marketing of PEOs.

EXTENDED REPORTING PERIODS (ERP) The cost of optional ERP choices has been lowered and an unlimited ERP option is now available.

Questions? Contact your Big “I” Professional Liability state program manager.

NOTE: The Liberalization Clause in the current policy conrms that the broader terms and conditions of the new policy that are offered to all Insureds will apply to all policies in force as of the date the new policy is approved in your state. No additional premium charge will apply. This document is meant to be a high-level explanation of policy changes in the RPG policy and is not part of any policy of insurance. This document is not meant to substitute for a Program Administrator’s or insured’s review and comparison of the new RPG policy to prior policies. The actual wording, terms and conditions of the new RPG policy control each party’s rights and responsibilities.

The Tennessee Insuror

Premium financing made easy with the Imperial PFS® suite of industry-leading technology to start your digital transformation

HANK KNIGHT | Sales Executive | 502.561.9991 | hank.knight@ipfs.com 1. Imperial PFS is a trade name affiliated with IPFS Corporation® (IPFS®), a premium finance company. Access to products and services described herein may be subject to change and are subject to IPFS’ standard terms and conditions in all respects, including those specifically applicable to use of IPFS’ website, mobile application, and IPFS’ eForms Disclosure and Consent Agreement. 2. Our electronic payment processing provider charges a technology fee where permitted by law. Copyright © 2022 IPFS Corporation. All rights reserved.

The Tennessee Insuror

Vendor Spotlight Imperial PFS Serving Tennessee For 10 Years Imperial PFS is the industry leader in commercial premium financing. They provide short-term loans for businesses and individuals to obtain property and casualty insurance coverage, thus freeing up capital and allowing them to obtain appropriate insurance coverage. IPFS works with our agency partners to ensure a seamless premium finance experience for all parties involved. What began in 1977 with one branch in Kansas City, MO has grown to 28 branch locations and over 500 Associates nationwide. While much has changed in 40 years, their commitment to providing legendary customer service has remained the same. They believe that legendary customer service means serving as an indispensable partner to their valued customers, rather than just a vendor.

A Strategic Partner in Premium Financing

The Louisville branch of Imperial PFS is proud to serve the lnsurors of Tennessee.

Imperial PFS has been an endorsed affiliate of the lnsurors of Tennessee for ten years. They provide our member agencies with easy, efficient premium financing and the potential for additional revenue in fee-legal states.

Some advantages of working with Imperial PFS: • Designated Account Executive • The latest technology in the premium finance industry •online quoting at ipfs.com •mobile-responsive website for insureds to make payments •eSignature • Ability to collect premiums in full with IPFS TotalPayTM

Insurance agents, agencies, and underwriters partner with Imperial PFS to offer financing solutions to business owners seeking insurance coverage. In essence, IPFS becomes the insurance agency’s strategic premium finance partner. As a privately held company, they are able to provide custom solutions to fit the needs of customers in ways other lenders cannot.

• Down payments by credit card or ACH

One way they provide a competitive edge is with a quick, easy approval process. As the business agrees on insurance coverage through the agency, a quote is submitted to the premium finance company. Once the terms and payment options are provided to the agency, a premium finance agreement is written. The length of the loan is dependent on several variables, however most agreements use a nine or 10 month installment.

• Agency dashboard on 1pfs.com with account holder activity data and electronic communication statistics

Because the purchase of insurance premiums does not require financing, the cost of the desired coverage is the same whether you decide to finance the premium or not.

Benefits for Insurance Agents Premium financing with Imperial PFS offers benefits to agencies including: immediate commission collection, superior account receivable ratios, reduced billing expenses, enhanced service for your clients, increased annual income, and much more.

The Tennessee Insuror

• 20% down and 10 Installments up to $100,000 for policies with 10 day cancel and 25% minimum earned premium. • No volume requirements - can finance most policies down to $250

• IPFS Connect® mobile app - make payments, check account status, view detailed policy information, and more electronic notices available for both agents and account holders

Getting Started is Simple!

As an INSURORS member, you are already pre-approved to do business with Imperial PFS. Contact Hank Knight today!

Hank Knight | hank.knight@ipfs.com | 443.613.4820

Benefits for Business Owners

Financing your insurance premiums gives you the flexibility to use your working capital more effectively. Freeing up capital can allow you to focus on product development, hiring new employees, marketing and other investments to grow your business.

BUSINESS

A BETTER INSURANCE EXPERIENCE®

Foremost® – A Farmers Insurance® Company offers a robust product suite! Deliver A Better Insurance Experience with Foremost Choice® Property & Casualty, Foremost SignatureSM Auto & Home, and Bristol West® Auto.

Visit ForemostAgent.com/Get-Appointed/

A Better Insurance Experience. The Tennessee Insuror ®

Not all products, coverages and discounts are available in all areas. 9021126 7/21

Company Briefs Harford Mutual Insurance Group Appoints Two New Board Members Bel Air, Md. – Harford Mutual Insurance Group announces Jillian Froment and Teresa McTague have been appointed to its Board of Directors. Jillian Froment is a seasoned insurance regulator with extensive experience in both the private and public sectors, including the last 10 years at the Ohio Department of Insurance, where she served as Deputy Director and Director until September 2020. She will serve on the Board’s Audit and Governance Committees. Froment currently serves as an Advisory Board Member for Monitaur, a developer of machine learning assurance technology. In addition, she served as a committee member for the National Association of Insurance Commissioners (NAIC). She received her Juris Doctorate from Capital University Law School and Bachelor of Science degree from The Ohio State University. She received the 2020 Ohio Insurance Agents Citation Award and the 2019 Diverse and Inclusive Workplace Award. Froment has also been named an American Fraternal Alliance 2017 Outstanding Policymaker and spotlighted on the list of Columbus Business First 2017 Insurance Industry People to Know. Teresa McTague is a senior executive with over 30 years of experience in investments, capital markets, finance, portfolio management, and asset and risk management. She is currently a Senior Managing Director for Aflac Global Investments, also serving as the U.S. Chief Investment Officer; Head of Asset Management Risk; Global Head of Direct Lending, Real Estate and Infrastructure Debt; and Global Head of ESG Investment Strategies. McTague previously served as the Senior Portfolio Manager/ Client Strategist at General Re - New England Asset Management. Teresa was also a member of the General Reinsurance Risk Committee. She will serve on the Board’s Compensation and Investment Committees. McTague received a bachelor’s degree in economics from the University of California at Berkeley and a Master of Business Administration from The Wharton School at the University of Pennsylvania. The Tennessee Insuror

Progressive Board Receives National Award NACD is proud to announce Progressive has been awarded the 2021 NACD Diversity, Equity & Inclusion (DE&I) award, formerly NACD NXT®. In collaboration with Deloitte, the NACD DE&I Awards highlight forward-thinking boards that leverage the power of diversity, equity, and inclusion to enhance their governance and create long-term value for their organizations and stakeholders. What made Progressive stand out? "Their DE&I program includes four primary objectives: maintaining a fair and inclusive work environment; employees reflecting its customers; leadership reflecting the company’s employees; and contributing to the communities in which the company operates. Additionally, this past year, the company committed to doubling representation of people of color in senior leadership positions by 2025. In 2020, 56 percent of leadership promotions were awarded to women and 25 percent of such promotions to people of color. The company is one of few in the Fortune 500 to have both a woman CEO and a woman independent chair. The board has achieved gender parity and 17 percent of the board is ethnically diverse. The company’s annual “Inclusion Week” supports employees in building their inclusive skill sets and implementing them in a business context."

Stonetrust Goes Live With Insurity's Workers' Comp Suite Effective January 1, 2022, Stonetrust Commercial Insurance Company has fully implemented Insurity Workers’ Comp Suite, eliminating the use of multiple operating systems to reduce response time and immediately improve operational efficiency by up to 10%. The implementation included the conversion of Stonetrust’s historical data. With Workers’ Comp Suite, Stonetrust can enable straight-through processing to agency partners, integrate data analytics, and provide agents and policyholders with improved data access. Examples include custom reports and tools which enable carriers to better assess emerging risks and trends and allow carriers to identify and resolve problems quickly. Customers have access to their data through the Workers’ Comp Suite portal, saving them time by reducing the need for telephone and email inquiries to obtain the information they would have otherwise needed to contact the carrier to gather. Stonetrust provides coverage for businesses in Arkansas, Louisiana, Mississippi, Missouri, Nebraska, Oklahoma, Tennessee and Texas. Effective January 1, 2022 Stonetrust has expand into Alabama and Kansas and launched its preferred tier company, Stonetrust Premier Casualty Insurance Company. 41

Company Briefs continued AM Best Boosts ICW Group’s Credit Rating

commitment to corporate social responsibility, with a focus on environmental, social, and corporate governance factors.

In December 2021, AM Best announced it has revised the Long-Term Issuer Credit Rating outlook to positive from stable for ICW Group Insurance Companies, a leading group of property and casualty carriers. In addition to the credit rating boost, AM Best affirmed ICW Group’s Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings (ICR) of “A” (Excellent).

The Hanover is committed to being a good corporate citizen and brings sustainability to the forefront of its business and operations. Making a difference in the lives of others, caring for the environment, and adhering to ethical and responsible governance, policies and procedures creates value for the company's constituents and benefits society.

“This positive rating is a testament to our team’s unwavering commitment across the country to our financial strength, stability and growth,” said Kevin Prior, ICW Group President and CEO. “It not only validates our strong performance but also helps drive our growth strategy as we expand our product portfolio, diversify geographically and continue introducing value-added products and services that enhance our customers’ experiences.”

Susan Rider, MS, GBHR, REBC, ASF, CSFS, CDHC Human Capital Concepts has hired Susan Rider as Director of Compliance and Human Resources Consultant. Susan is a human resource executive working alongside business leaders to transform their organization initiatives and strategies in preparation for long-term sustainability and growth. Susan has vast experience in human resource consulting, employee benefits, wellness and compliance. She is actively involved in the National Association of Health Underwriters, and serves as Secretary. Susan serves on Governor Holcomb’s Indiana Department of Insurance (IDOI) CE Advisory Council, is a founding member of the Food Secure Indy project and is an adjunct faculty member at IUPUI in the Organizational Leadership Program. She has received multiple awards, most significant – NAHU’s Distinguished Service Award, recognized in the Hot 100 Agents by Insurance Business Magazine and 25 Most Influential Women in Benefit Advising by Employee Benefit Advisor. Susan received her Master’s degree from the University of Indianapolis in Strategic Leadership and Design.

The Hanover Named One of America's Most Responsible Companies by Newsweek This January, The Hanover Insurance Group, Inc. was named one of America's Most Responsible Companies by Newsweek. The award is given to companies that demonstrate a strong 42

"We understand our responsibility to those who directly depend on us and to society as a whole," said John C. Roche, president and chief executive officer at The Hanover. "We are honored to be recognized for the efforts and the contributions we are making. We look forward to continuing to deliver innovative, high-quality, and dependable insurance solutions for our agents and customers while being responsible stewards of our environment, helping build stronger and healthier communities, and managing our company and our actions with integrity."

Tyrann Mathieu Wins Nationwide’s Charity Challenge and $25,000 For the second straight year and third time overall, a Kansas City Chiefs nominee for Walter Payton NFL Man of the Year presented by Nationwide has captured the top prize in Nationwide’s Charity Challenge. Powered by strong support from Chiefs Kingdom, safety Tyrann Mathieu was announced as the winner of the seventh annual Charity Challenge and a $25,000 contribution will be made to the Tyrann Mathieu Foundation, courtesy of Nationwide. Mathieu’s win follows teammate Travis Kelce’s first-place finish last year. Former Chiefs safety Eric Berry won the inaugural Charity Challenge during the 2015-16 NFL season. Mathieu established his charitable foundation to impact the lives of financially disadvantaged children and youth through encouragement, opportunities and resources to achieve their dreams in Kansas City and his hometown of New Orleans. The foundation’s signature programs include the Tyrann Mathieu Tech Zone, Tyrann’s Backpack Giveaway, Tyrann’s Turkeys, Tyrann’s Christmas Blessing and Heart of a Badger Youth Camp. “I am incredibly humbled and overwhelmed with a sense of pride having been selected as this year’s Walter Payton NFL Man of the Year Nationwide Charity Challenge winner,” said Mathieu. “It’s been a dream of mine for so many years to give back and to have a true impact. For my efforts to be recognized by others, it means I’m doing something right and that means everything to me. Thank you to all of the fans that voted for me for this incredible honor. I am further inspired to The Tennessee Insuror

Trusted Choice MARKETING REIMBURSEMENT PROGRAM Trusted Choice has funds available to help Big “I” member agencies offset the cost of marketing expenses when leveraging the Trusted Choice brand. Members have multiple ways to access funds:

Co-brand with the Trusted Choice logo* General Co-branded Marketing: Up to $750 in reimbursement when co-branding with the Trusted Choice logo on any consumer facing items. This could include business cards, brochures, advertising costs, event sponsorship, branded giveaway items and more. (This program has a lifetime max value of $750 per agency location)

*Co-branding funds and additional 2021 digital marketing funds are reimbursed at 50% of cost to agency with a max of $750 for each option.

Digital Marketing Incentive: Additional $750 in Funds Available for 2021 Only! Open to all members. Must be used towards digital marketing efforts (video, social or web ads) and must include the Trusted Choice logo. Members can use any of the Trusted Choice customizable campaigns or can create their own ad.

Endorsed Partner of

If you need print, advertising or digital marketing services and would like to take advantage of your co-branding funds, contact Titan Digital at 615.890.3600 or visit TitanInsWebsites.com 43

she’s MAde for THIS work we’re made for

WORKERS’ COMP

We know what it’s like to be passionate about what you do, it’s how we feel about workers’ comp. For over 30 years we’ve been helping employers protect their businesses, and most importantly, their employees. We focus on your insurance coverage so you can stay focused on doing what you love. Discover the LUBA Difference at LUBAwc.com/madeforthis 888.884.5822 • Rated A- Excellent by

The Tennessee Insuror

Company Briefs continued continue to do more and reach higher.”

“Acuity’s common purpose begins with the statement, ‘With kind hearts, we dare to care,’ and supporting our community is one way we show that care,” said Ben Salzmann, Acuity President and CEO. “We are incredibly grateful for the opportunity to contribute to charitable organizations in our community now and throughout every year.” This is the ninth consecutive year that Acuity employees have directed a special year-end charitable contribution.

Arlington/Roe Names Andy Roe Executive Vice President & Chief Operating Officer Andy Roe has been promoted to Executive Vice President and Chief Operating Officer at Indiana-based Arlington/Roe according to James A. Roe, president and CEO of the company, a managing general agency and wholesale insurance broker. Nationwide is the presenting sponsor of the Walter Payton NFL Man of the Year Award which is given to the player who demonstrates excellence on the field and in his community. Nationwide launched Charity Challenge to further elevate and promote the work that each of the 32 nominees are doing to improve the lives of others. The six-week Twitter promotion, which ran from Dec. 7, 2021 to Jan. 17, 2022, gave NFL fans the opportunity to show support for their favorite nominees and offer players a chance to earn donations from Nationwide to benefit their charity of choice.

Acuity Employees Distribute $500,000 in Support to Charitable Organizations At a December 2021 Town Hall meeting, Acuity employees determined the distribution of $350,000 among six different charitable organizations. Those organizations included Conquer Cancer,® the ASCO Foundation; Fresh Meals on Wheels; Mental Health America; Safe Harbor; The Salvation Army; and Sharon S. Richardson Community Hospice. “Our advocates support adults, children, and families experiencing domestic violence, sexual assault, trafficking, and homelessness. We help them achieve safe and stable lives. We’ve seen a steep decline in donations due to the pandemic, which is why we want to thank Acuity for supporting Safe Harbor,” said Vanessa VanderWeele, Volunteer and Community Engagement Coordinator. Additionally, each of Acuity’s 1,500 employees was invited to choose any qualifying charity to receive a $100 donation from Acuity, for a total of $150,000. The Tennessee Insuror

Andy began his insurance career when he joined Arlington/Roe in 2001, where he is a third-generation member of the family-owned business. Over the last 20 years, he has been involved in many facets of the organization by holding various roles from underwriting to departmental leadership. He holds property and casualty licenses in several states, including surplus lines licenses, as well as several insurance designations. In 2022, he was promoted to Executive Vice President and Chief Operating Officer. His new responsibilities include maintaining and directing the daily operations of the company as well as working with the leadership team to ensure performance expectations and strategic plan execution. He promotes company culture and is heavily involved with human resources. Andy also oversees financial operations and manages relationships with our carrier and agent partners. Andy is a graduate of Ball State University and has been involved in a variety of organizations over the course of his career. Early in his insurance career, Andy interned for an excess & surplus lines company in Arizona and in London with Lloyds. He was a very active member of the WSIA's UFO (Under Forty Organization) serving on the board of directors. Additionally, he was the past chairman of the Independent Insurance Agents of Indiana’s Young Agents Committee. u

Please send in your agency/company news. We will include as many stories as possible in a future issue. Email marketing@insurors.org. 45

Agents Serving Our Community Calling All to Serve Our Community I am Amy Anthony; wife of Norfleet Anthony, your Insurors of Tennessee President for this year, 2021-2022. I am honored to ride on his coat tails and serve as First Lady! I have yet to see any Secret Service or red carpets at the IOT office; however, I am extremely grateful and appreciative for this timely opportunity to lend support and service to him, and the Association! Some things that I am looking forward to this year are new responsibilities and joy at the chance to meet and get to know many of the agents and especially their spouses. Second, there will be a bit of travel involved and getting to see new places and many more men and women in the “insurance world”. One desire of mine is the actual “going out and serving the community” perhaps during the Annual Convention in October, to take place in Nashville. This could be an option for the spouses, if golfing, shooting skeet, or any other options are not appealing. I have been shown over and over in my life that I have been provided and given much to be a blessing to others less fortunate. You may feel the same way. If so, we can join together and “go out and make a difference”! This time next year, which will be here before I know it, I will have much to look back on and for which to be thankful. I probably won’t be searching for the Secret Service or the “red carpet” any longer. That’s just a fun idea anyway. I will be looking forward to what is next for me and Norfleet including our families. We are definitely looking forward to more GRANDchildren! We are hopeful there will be a real extended time to travel, great health and the satisfaction of serving IOT so well. Be well, Norfeet and Amy Anthony

Amy Anthony

Insurors Enables Friendships and Service to Our Communities Taylor Porch, Porch-Stribling-Webb, Waverly; Joe Hunt, JR., V.R. Williams & Co., Winchester; and Al Oliver and Portis Tanner, Westan Insurance Group, Union City first met as members of the Insurors of Tennessee. These peers grew their friendships as a result of networking over the years through Insuror of Tennessee member events. Recently the four men went duck hunting together near the Mississippi River. After a successful day of hunting, Joe and Taylor each presented donations to United Way of Obion County for tornado relief. Obion county is home to Westan Insurance Agency as well as both the families of Portis and Al. On December 11, 2021, a tornado/tornados caused both devastation of property and death in Obion County. Taylor Porch says it best, "This is what Insurors of Tennessee is all about. These friendships don’t exist without Insurors of Tennessee." The relationships gained from involvement in Insurors of Tennessee serve members both professionally and personally. At the end of the day, this is what membership in this association is all about. We would like to share more stories of agency members serving our community. Please send us your stories and photos. We hope to share these stories with members across the state.

Left to right: Taylor Porch, Porch - Stribling - Webb, Waverly; Portis Tanner, Westan Insurance Group, Union City; Joe Hunt, JR., V.R. Williams & Co., Winchester; and Al Oliver, Westan Insurance Group, Union City

We welcome your stories of agents serving our community. We hope to support and inspire each other. 46

The Tennessee Insuror

INNOVATIVE INSURANCE SOLUTIONS.

PARTNERSHIP FOCUSED.

RLI is a proud member of the Big “I”. Contact us to gain access to comprehensive insurance solutions and protect your commercial and personal lines customers from the unique risks they face. From our specialized solutions to our focus on building strong relationships with the agents we work with, we’re different. And at RLI, DIFFERENT WORKS .

The Tennessee Insuror

PRODUCTS AVAILABLE THROUGH BIG “I” MARKETS:

• Home Business • Personal Umbrella Learn more about our specialty insurance solutions at RLICORP.COM .

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 and CIC at www.insurors.org/IOT.education

CISR 4/5 4/6 4/7 5/10 5/11 9/27 9/28 9/29 12/6 12/7

Fee: $186

CE: 7

CISR Elements of Risk Management CISR Elements of Risk Management CISR Elements of Risk Management CISR Commercial Casualty I CISR Commercial Casualty I CISR Personal Lines Misc. CISR Personal Lines Misc. CISR Personal Lines Misc. CISR Commercial Property CISR Commercial Property

CIC

Fee: $430

3/9-10 4/27-28 8/10-11 9/14-1 11/9-10

CIC Commercial Property CIC Ruble Graduate Seminar CIC Commercial Casualty I CIC Commercial Multiline CIC Company Operations

Johnson City Knoxville Chattanooga Nashville Memphis Johnson City Knoxville Chattanooga Nashville Memphis

CE: 16

Nashville Nashville Knoxville Nashville Nashville

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) Available from The National Alliance (www.scic.com) Legal & Ethical Requirements of Insurance CE: 4 $82 Insuring Flood Exposures - NFIP Review CE: 4 $82 Available from The Institutes (insurors.ceu.com) Agency Errors & Omissions CE: 3 $24 Basic Ethics for Insurance Professionals CE: 5 $24 Directors and Officers Liability CE: 4 $24 Insurance Principles and Policies CE: 7 $29 Long Term Care CE: 4 $24 Workers’ Compensation & Employers Liability CE: 11 $40 Small Business Employee Benefit Plans CE: 4 $24 Insurance Fraud Basics CE: 2 $24 Fundamentals of Personal Auto Insurance CE: 3 $24 Terrorism and Its Impact on Insurance CE: 2 $24 Toxic Mold and Homeowners Insurance CE: 3 $24 Understanding the Industry of Insurance CE: 5 $24 48

ABEN Webcasts (insurors.aben.tv) Active Shooter/Workplace Violence Ins. 2/28 3/1 3/24 4/5 4/22 Contracts Agents Should Read 2/28 3/1 3/24 4/5 4/22 Flood Program Overview - NFIP Then/Now 2/28 3/1 3/24 4/5 4/22 E&O - Roadmap to Pers. Auto & Umbrella Ins. - #1 3/2 3/14 4/6 4/11 E&O - Roadmap to Pers. Auto & Umbrella Ins. - #2 3/2 3/14 4/6 4/11 E&O - Commercial Property Coverage Gaps - #1 3/3 3/18 4/7 4/15 E&O - Commercial Property Coverage Gaps - #2 3/3 3/18 4/7 4/15 E&O - Roadmap to Homeowners Ins. - #1 3/4 3/21 4/1 4/18 E&O - Roadmap to Homeowners Ins. - #2 3/4 3/21 4/1 4/18 Homeowners Endors. & Pers. Inland Marine - #1 3/7 3/17 4/4 4/21 Homeowners Endors. & Pers. Inland Marine - #2 3/7 3/17 4/4 4/21 Directors and Officers Liability Insurance 3/9 3/25 4/15 4/26 Premium Auditing–What Every Agent Must Know 3/9 3/25 4/13 4/29 Law of Ins. Contracts & ‘Rules’ of Policy Interpret. 3/9 3/25 4/13 4/29 Torts, Negligence and Legal Liability 3/9 3/25 4/13 4/29 Commercial Prop. Underwriting & Rating: COPE 3/9 3/25 4/13 4/29 Risk Mgmt. & Ins.: Why Agents Are NOT Risk Mgrs. 3/9 3/25 4/13 4/29 Understanding the Ins. Industry: From Regs to Ops. 3/9 3/25 4/13 4/29 Basics of Prop. Values & Coinsurance Conditions 3/9 3/25 4/13 4/29 Contractual Risk Transfer, Addl. Insureds & Certs. 3/9 3/25 4/13 4/29 Insurance Accounting for Dummies and Geniuses 3/10 3/23 4/14 4/27 Cyber Security and Insurance Risk Management 3/10 4/14 E&O - Roadmap to Policy Analysis - #1 3/11 3/23 4/8 4/27 E&O - Roadmap to Policy Analysis - #2 3/11 3/23 4/8 4/27 Cyber Insurance Deconstructed 3/15 4/19

CE: 2 $48 CE :2 $48 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 2 $48 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 3 $72 CE: 4 $96 CE: 3 $72 CE: 2 $48 CE: 3 $72 CE: 3 $72 CE: 2 $48

The Tennessee Insuror

COMMERCIAL INSURANCE

EXPECT MORE solutions You expect a company to have your back. We do. Our commercial lines products, tools and resources can help provide value to your commercial clients and support your business growth. Expect more. Expect Nationwide.

Visit Nationwide.com/ExpectMore

PROUD PARTNER of INDEPENDENTS

Nationwide, the Nationwide N and Eagle, Nationwide is on your side and other marks displayed are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2020 Nationwide CMR-0576AO.1 (12/20)

DREAMS not dollars. PEOPLE not line items.

FRIENDSHIPS not relationships.

THAT’S

WHAT WE’RE AIMING FOR.

Because we’re a different kind of local bank. One that’s been proudly helping Tennessee businesses –people we consider friends – for more than 16 years.

5614 Franklin Pike Circle, Brentwood, TN 37027 I 2106 Crestmoor Road, Nashville, TN 37215 615.515.2265 I 866.866.2265 I www.insbanktn.com I Open Mon. - Fri., from 8:30 AM – 4 PM. 50

The Tennessee Insuror

Meetings- Mark Your Calendars Big I Legislative Conference April 27–29, 2022 Washington D.C.

Insurors WINS Event April 5, 2022 Memphis

Big I Leadership Conference September 14–18, 2022 Niagara Falls, NY

Insurors Agency Growth Conference July 9–10, 2022 Nashville

Big I E&O Program Conference November 13-15, 2022 Kansas City, MO

Insurors WINS Event August 23, 2022 Knoxville

Southern Agents Conference December 2–4 Atlanta, GA

Insurors 129th Annual Convention October 15-18, 2022 Nashville

Bailey Special RiSkS, inc.

We specialize so you don’t have to.

SERVING INDEPENDENT AGENTS & THEIR CLIENTS SINCE 1989

"32

1.800.768.7475 • www.bsrins.com • questions@bsrins.com

Professional Liability • Management Liability • Data Privacy & Security Liability

The Tennessee Insuror

Your insights

Our

strengths and expertise

Top-class

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.

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

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

Insurance products underwritten by Westport Insurance Corporation, Overland Park, Kansas, United States, a member of Swiss Re Corporate Solutions.

Your Big "I" InsurPac Achieves Record Fundraising Year BY Nathan Riedel (excerpt)

InsurPac, the Big “I" political action committee (PAC), raised $1,245,352 in 2021, surpassing its previous high in 2019. A total of 3,660 donors invested an average of $340 per person. Last year, 353 “major donors" gave $1,000 or more, 66 contributed over $2,500, and 29 gave the maximum amount of $5,000. A record $286,465 raised in the month of December alone. Leading the charge was South Carolina, who defended their title of InsurPac National Champions by raising $100,303. Rounding out the top five in total dollars raised was Massachusetts ($83,980), Texas ($73,480), Illinois ($62,688) and Georgia ($51,316). Overall, a record total of 41 states achieved their InsurPac goal. In the race for the Big “I" Presidents Cup, given annually to the state whose past and current state presidents or chairs contribute the most money to InsurPac. South Carolina took the cup, raising a total of $24,058. During the fundraising campaign, a record 18 states became InsurPac Eagle states after contributing an average of $100 or more per agency member. South Carolina led the charge by raising an average of $302 per agency. Other states to achieve Eagle status were Arkansas, Connecticut, the District of Columbia, Georgia, Hawaii, Idaho, Kansas, Louisiana, Maine, Maryland, Montana, Nebraska, Nevada, New Hampshire, North Dakota, South Dakota and Tennessee. Young agents contributed nearly $154,000. South Carolina completed the “Triple Crown" by repeating as National Champions with $23,145. Georgia finished second with $15,801. Thirty one states achieved their young agent InsurPac goal. InsurPac is one of the largest small business PACs in the country, credited with making the Big “I" one of the most well-respected lobbying associations on Capitol Hill.

ICYMI: New FAQ and Sample Disclosure Form on Producer Health Insurance Compensation Disclosure Requirements BY Wyatt Stewart, Wes Bissett and Eric Lipton (excerpt)

INSURANCE PAYMENTS MADE EASY Get TWO months free with referral code InsurorsTN The Tennessee Insuror

Section 202 of the December 2020 omnibus government funding legislation included new compensation disclosure requirements for health insurance agents and brokers. The requirements took effect on Dec. 27, 2021. The Department of Labor (DOL) has released Field Assistance Bulletin No. 202103, which provides further guidance and announces the DOL's temporary enforcement policy for group health plan service provider disclosures under ERISA section 408(b)(2)(B). The Big “I" worked with outside counsel to produce a FAQ document and sample disclosure form, which includes the new guidance from DOL. Previously, the Big “I" hosted a webinar that discussed the disclosure requirements. All the Big “I" documents related to the disclosure requirements and the webinar can be found on the association website at www.independentagent.com. From the home page select Government Affairs / Issues /Health Care / more. u 53

Directory of Advertisers Advertiser

Phone

Website

Page

ACUITY 920 . 458 . 9131 www.acuity.com 34 Bailey Special Risks, Inc. 800 . 768 . 7475 www.bsrins.com 51 BBSI 760 . 445 . 5909 www.bbsi.com 6 Berkley Southeast Insurance Group 615 . 932 . 5508 www.berkleysig.com 27 Berkshire Hathaway Guard Insurance Cos. 800 . 673 . 2465 x4567 www.guard.com/apply 15 BlueCross BlueShield of Tennessee 800 . 565 . 9140 www.bcbst.com 36 Builders Mutual 800 . 809 . 4859 www.buildersmutual.com 12 ePayPolicy (844) 372 - 9300 www.epaypolicy.com 53 Foremost Insurance 800 . 771 . 7758 foremostagent.com/get-appointed/ 40 Harford Mutual 800 . 638 . 3669 www.harfordmutual.com 9 Imperial PFS 443 . 613 . 4820 www.ipfs.com 38 INSBANK 866 . 866 . 4268 www.insbanktn.com 50 J.M. Wilson 800 . 595 . 0063 www.jmwilson.com 19 Keystone Insurers Group 800 . 416 . 5498 www.keystoneinsgrp.com 11 Liberty Mutual/Safeco 800 . 837 . 5254 libertymutual.com | safeco.com 22 Lipscomb & Pitts | A Higginbotham Partner 901 . 335 . 0951 www.lpinsurance.com 30 LUBA Workers' Comp 888 . 884 . 5822 www.lubawc.com 44 MidSouth Mutual Insurance Company 844 . 438 . 6642 www.midsouthmutual.com 56 Mountain Empire Agency Alliance 423 . 560 . 6077 www.meaa4u.com/insurors 55 National Security Group 800 . 239 . 2358 x213 www.nationalsecuritygroup.com 36 Nationwide Insurance 423 . 927 . 2060 www.nationwide.com 49 Penn National Insurance 800 . 395 . 0518 www.pennnationalinsurance.com 20 RLI PUP 615 . 515 . 2609 www.insurors.org 47 SecureRisk 770 . 723 . 8096 www.securerisk.com 33 Selective Insurance 877 . 744 . 3125 www.selective.com 2 Stonetrust Insurance 800 . 311 . 0997 www.stonetrustinsurance.com 15 Southern Trace Underwriters, Inc. 615 . 263 . 1725 www.stunderwriters2.com 32 Summit Holdings 800 . 971 . 2667 www.summitholdings.com 17 Swiss Re Lawyer's Professional Liability 630 . 213 . 9952 www.swissre.com 52 Titan Digital 615 . 890 . 3600 www.titanwms.com 43 West Bend Mutual Insurance Co. 800 . 236 . 5010 www.thesilverlining.com 24

2022 CONTINUING EDUCATION REGISTER NOW AT INSURORS.ORG 54

The Tennessee Insuror

423-560-6077 MOUNTAIN EMPIRE AGENCY ALLIANCE

meaa4u.com/insurors

INDEPENDENT DOESN’T HAVE TO MEAN ALONE Join the region’s leading agency partnership to grow or start your independent agency.

MEAA IS PROUDLY A MASTER AGENCY OF MEAA SERVES THE FOLLOWING TN COUNTIES. VISIT OUR WEBSITE FOR A FULL TERRITORY LIST. Anderson, Bedford, Bledsoe, Blount, Bradley, Campbell, Cannon, Carter, Claiborne, Clay, Cocke, Coffee, Cumberland, Davidson, Dekalb, Fentress, Franklin, Giles, Grainger, Greene, Grundy, Hamblen, Hamilton, Hancock, Hawkins, Jackson, Jefferson, Johnson, Knox, Lawrence, Lincoln, Loudon, Macon, Marion, Marshall, Maury, McMinn, Meigs, Monroe, Moore, Morgan, Overton, Pickett, Polk, Putnam, Rhea, Roane, Rutherford, Scott, Sequatchie, Sevier, Smith, Sullivan, Trousdale, Unicoi, Union, Van Buren, Warren, Washington, Wayne, White, Williamson, and Wilson

Workers’ Compensation InsuranCe For tHose WHo Build our Communities

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

ConstruCtion trades Building ContraCtors non-emergenCy mediCal transport

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

LEARN MORE AT WWW.MIDSOUTHMUTUAL.COM

The Tennessee Insuror Jan-Feb 2022

Articles inside

Meet June Taylor - Wilkinson Agency

From Your CEO - Ron Travis

From President - Norfleet Anthony, III

Association Update

Company Briefs

From Your IIABA National Director