Tennessee Insuror May-June 2025

THE TENNESSEE INSUROR

Phone 615.385.1898

Toll Free: 1.800.264.1898

Email: marketing@insurors.org

Editor: Kristen Gulson

Publisher: MarketWise, Inc

INSURORS OFFICERS

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

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

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

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

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

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

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

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

Director, Region I ............................................Pam Lofton-Wells

Director, Region I ............................................Sam Bradshaw, IV

Director, Region II ................................. Matt Felgendreher, CIC

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

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

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

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

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

and associate

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

www.insurors.org

Working Together to Fuel the

As part of the Insurors of Tennessee’s mission to support its members and encourage the development of a healthy insurance industry in the state of Tennessee and beyond, the association has long had a productive relationship with Middle Tennessee State University located in Murfreesboro. Past leadership of the Insurors of Tennessee to include Jim Alexander and Chuck Bidek, with the support of the Insurors of Tennessee boards, were instrumental in nurturing and building the relationship through the years in cooperation with the academic leadership of the university. That history of support by the Insurors of Tennessee continues today with the current Executive Director, Kristen Gulson.

A key example of the Insurors commitment to the insurance industry and the university was and continues to be the support of the Tommy Martin Chair of Insurance established at the university. The position was named in honor of Thomas T. “Tommy” Martin, a Murfreesboro insurance agent who was a highly successful underwriter and community leader for nearly 60 years. The Martin Chair of Insurance was founded by a group of forward-thinking alumni and associates who had the goal of upgrading and enhancing the insurance curriculum available to students at MTSU.

Dr. Kenneth Hollman was the first holder of the Martin Chair of Insurance in the Jones College of Business at MTSU and was the driver of the process of taking the program from an idea or concept to an organized curriculum centered around insurance and risk management courses. Dr. Hollman is well known for his contributions to the insurance industry across Tennessee and the region. By any measure, Dr. Hollman was a trailblazer for the insurance business in this state, creating opportunities for so many. He also envisioned the establishment of what became known as the Robert E. Musto Insurance Hall of Fame. More on that subject later.

Dr. Dave Wood is the current holder of the Martin Chair of Insurance and has built upon the considerable success of Dr. Hollman. Today, the university offers a B.B.A. degree with a major in Insurance and Risk Management. Dr. Wood, his colleagues in the Jones School of Business, students and graduates have propelled the program to become a nationally recognized insurance and risk management program. In fact, the notable insurance publication, Best’s Review ranked MTSU’s insurance and risk management program as

Insurance Industry in Tennessee

the #1 program in America in 2020. The insurance magazine asked insurance carriers, readers, and other insurance professionals which RMI programs did the best job preparing students for a career in the insurance business. MTSU was the top recipient of votes in the survey. Today, the university’s insurance and risk management graduates are employed in all facets of the insurance business ranging from working in agencies, insurance companies, third-party administrators, actuarial consultants, and more. Now back to the Hall of Fame.

The Robert E. Musto Tennessee Insurance Hall of Fame at Middle Tennessee State University (MTSU) is a distinguished institution that honors the legacy and contributions of no -

table figures in the insurance industry in Tennessee. Established in 1999, the Hall of Fame was created through the Insurance Liaison Committee of the Martin Chair of Insurance at MTSU. It is named in honor of the late Robert E. Musto, a long-time vice president of the National Life and Accident Insurance Company, whose family generously provided funding for its establishment.

The primary mission of the Robert E. Musto Tennessee Insurance Hall of Fame is to recognize and celebrate the achievements of individuals who have significantly impacted the insurance industry in Tennessee. These individuals include entrepreneurs who founded insurance companies,

Tommy Martin

Dr. Kenneth Hollman

Dr. Dave Wood

professional insurance agents, members of industry associations, and company employees who have made substantial contributions to their firms and the communities they serve. The Hall of Fame serves as a testament to their dedication, innovation, and leadership, highlighting their roles in advancing the insurance industry and improving the lives of many people. Each year, the Hall of Fame inducts new members through a formal ceremony, often held in conjunction with an Insurors of Tennessee conference.

The inductees are selected based on their outstanding contributions and lasting impact on the insurance industry. For example, the 2020 class included John A. “Jack” Spann III, Bill Wilson, and Julian “Bud” Zander. Spann was recognized for his leadership of Spann Insurance Inc. and his involvement with the Insurors of Tennessee. Wilson was honored for his work with the Independent Insurance Agents and Brokers of America and his contributions to insurance education. Zander was celebrated for his 60-year career with Zander Insurance, one of the largest independent insurance agencies in the country.

The Hall of Fame is supported through the Martin Chair of Insurance, currently held by Dr. Dave Wood who has been instrumental in taking the insurance program at the university from an area of concentration within the Jones College of Business to an academic major in insurance and risk manage -

ment available to students. MTSU offers a degree in risk management and insurance through the Department of Economics and Finance within the Jones College of Business. This program prepares students for careers in the insurance industry by providing them with a comprehensive understanding of risk management principles and practices. The Hall of Fame plays a crucial role in this educational mission by inspiring students and highlighting the achievements of industry leaders.

In addition to its educational and recognition functions, the Hall of Fame also fosters a sense of community among insurance professionals. It provides a platform for networking and collaboration, allowing industry leaders to share their experiences and knowledge with others. This sense of community is further strengthened by the annual induction ceremonies and other events hosted by the Hall of Fame.

Overall, the Robert E. Musto Tennessee Insurance Hall of Fame at MTSU is a vital institution that honors the legacy of insurance professionals in Tennessee. It serves as a beacon of excellence, inspiring future generations of insurance professionals and contributing to the advancement of the industry. Through its recognition of outstanding achievements and its support for education and community-building, the Hall of Fame continues to play a significant role in the insurance industry in Tennessee.

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Robert E. Musto Insurance Hall of Fame Inductees

The 74 Hall of Fame Inductees have brought credit to themselves and to the insurance industry in the course of their career. Each has achieved success in sales or in another functional area of insurance and risk management, has helped to create or has served as an officer of an agency or company, or has been affiliated with the insurance and risk management industry in another capacity. Selection criteria also include a strong value system and a firm commitment of service to the community and the state.

2020

John A. “Jack” Spann III, Spann Insurance, Nashville

Bill Wilson, Independent Insurance Agents and Brokers of America, Nashville

Julian “Bud” Zander, Zander Insurance, Nashville

2019

Julie Mix McPeak, TN Department of Commerce and Insurance, Nashville

Mary Frances Miller, Select Actuarial Services, Nashville

William ‘Dick’ Williams, Plateau Group, Crossville

2018

Thomas Cooper, Cooper Agency, Germantown

John O. Eubank, Professional Insurance Education, Inc, Nashville

William “Bill” Ketron Jr., Universal International Insurance, Inc. Murfreesboro

2016

John Dewald, Agency Services Inc., Memphis

John Milam, Willis Towers Watson, Knoxville

Dennis Stephen, Tennessee Farmers Insurance Companies, Columbia

2015

Scott Clayton, Connecticut Mutual and Mass Mutual, Nashville

Eugene “Gene” Frazer Jr., Shafer Insurance Agency, Knoxville

David Meador, Northwestern Mutual, Nashville

Ken Pinkston, Travelers Insurance Company, Nashville

2014

Andrew M. (A.M.) Burton, Life and Casualty Insurance Company of Tennessee, Nashville

Joe Crosswhite, Tennessee Farmers Mutual Life Insurance Company, Greeneville

John G. Sample, Mass Mutual Financial Group, Knoxville

2013

Charles T. “Chuck” Bidek, Insurors of Tennessee, Nashville

Robert “Bob” Brown, Ameritas Life, Union Central Life, and Acacia Life, Memphis

William S. “Bill” Cochran, Northwestern Mutual, Nashville

Eldon B. “Jack” Thoma II, E.B. Thoma and Son Insurance Agency, Tullahoma

2012

George Gardner, State Farm, Murfreesboro

Christie Reeves, A.J. Gallagher, Nashville

Ray C. Thomas, State Farm, Murfreesboro

2011

William Felton, III, Tennessee Brokerage Agency, Knoxville

Ronald F. (Ron) Knox Jr., Northwestern Mutual, Nashville

George Nordhaus, AgenciesOnline, Santa Fe, New Mexico

Alexander A. “Bo” Shafer, Shafer Insurance Agency, Knoxville

2010

Dan Brooks, State Farm Insurance Companies, Murfreesboro

Tom McDonald, Tennessee Farmers Insurance Companies, Nashville

Joseph M. Rackley Jr., Rackley Systems, Pulaski

2009

Denby Brandon Jr., Brandon Financial Planning, Memphis

Joseph M. Clinard Jr., Nashville Metropolitan Government, Fairview

Robert E. Rose, Farm Bureau, Murfreesboro

2008

Chester A. Butler III, Butler Co., Nashville

Ron Corbin, Allstate, Nashville

Thomas Maclellan, Provident, Chattanooga

Andy Womack, State Farm, Murfreesboro

2007

Edwin W. Craig, NLAIC, Nashville

Dr. Kenneth W. Hollman, MTSU, Murfreesboro

John A. Spann Jr., Spann Agency, Nashville

2006

Roy K. McDonald, BCBST, Chattanooga

Dr. William S. (Bill) Phillips, University of Memphis, Memphis

Jack K. Westbrook, Westbrook Agency, Knoxville

2005

Hulet Chaney, Farm Bureau, Knoxville

James (Jim) Hunt, Benefit Communications, Nashville

John Pitts, Lipscomb and Pitts, Memphis

2004

Ewing Carruthers, Carruthers Agency, Memphis

Thomas C. (Tom) Gunnels, State Farm, Knoxville

Raymond H. (Mickey) Moran, Moran Agency, Memphis

David Williams, Big “I” of Tennessee, Nashville

2003

Roy F. Bess Jr., Provident, Nashville

R.B. (Bob) Gale Sr., Gale Insurance Agency, Chattanooga

John B. Peyton, Peyton Merriam Financial Groups, Memphis

George M. Pope, State Farm, Murfreesboro

2002

William D. Heydel, AFLAC, Lebanon

Robert F. Hopper, Profit Plans, Chattanooga

Bransford Wallace, Willis, Nashville

Millicent Workman, Mueller Industries, Memphis

2001

Leighton G. Bush, Bush Insurance & Financial Services, Nashville

John O. (Jack) Gaultney, New York Life, Nashville

H. Kirke Lewis, Lewis and Knowlton Financial Services, Memphis

Richard M. Miller, Willis, Nashville

2000

W.W. (Bill) Billips, State Farm, Murfreesboro and Nashville

David Blumberg, Mass Mutual, Knoxville

Jim Lancaster, Farm Bureau, Lebanon

Lester Rosen, Union Central, Memphis

1999

Jim Alexander, IIA of Tennessee, Nashville

Joe Lancaster, Farm Bureau, Columbia

Tommy Martin, MONY, Murfreesboro

Robert E. Musto, NLAIC, Nashville

Jack Turner, Jack B. Turner and Associates, Clarksville

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Nominations for the Robert E. Musto Insurance Hall of Fame Now Being Accepted

After a hiatus from receiving nominations for the Robert E. Musto Insurance Hall of Fame since 2020, the organization is once again seeking nominations. Nominations are accepted at any time during the year. Nominations received by July 15 will be considered for the current year. Nomination forms received after July 15 will be considered for the following year’s induction. Please review the Nominee Criteria and complete the Hall of Fame Nomination Form to submit a candidate for consideration. The nominees must have achieved success in sales or in another functional area of insurance and risk management, have helped to create or have served as an officer of an agency or company, or have been affiliated with the insurance and risk management industry in another role. Selection criteria will also include a strong value system and a firm commitment of service to the community and state. If you submitted a nomination within the past five years and the individual has not yet been inducted, we kindly ask that you resubmit it, as we may not have received or retained the original submission.

The Selection Committee will need biographical data about your nominees and supportable reasons why they should be included. Any documentation you provide will be helpful in the selection process. The committee appreciates well prepared, brief, precise submissions with salient points highlighted in bullet points. Dossiers of those not selected will be kept on file and automatically be considered for three years.

To learn more about how to nominate and access the required forms, please visit the following webpage or use your smart phone to follow the QR code. martinchair.mtsu.edu/nomination/

Please remember, nominations must be received by July 15, 2025, to be considered for this year’s class. All nominations received after July 15, 2025, will be considered next year. For questions, contact Dr. Emily Zietz at the MTSU Jones College of Business at Emily.Zietz@mtsu.edu. u

Give to the Robert E. Musto Tennessee Insurance Hall of Fame

Donors play a vital role in ways we are able to sustain and enhance our mission. To support the Robert E. Musto TN Insurance Hall of Fame, please donate online at the following secure donation site: www.mtsu.edu/supportbusiness. Please select “other” and then enter “Musto TN Insurance Hall of Fame (93609).

Or mail checks payable to Robert E. Musto TN Insurance Hall of Fame with memo Account 93609 to: MTSU Development and Advancement Box 109, Wood-Stegall Center, MTSU Murfreesboro, TN 37132

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Advocacy Update: Protecting Independent Agencies in Tennessee Government & Legal Update

As the dust settles on the 2025 legislative session in Tennessee and key federal deadlines loom on the horizon, Insurors of Tennessee remains focused on protecting the independent agency system. Whether at the state Capitol in Nashville or alongside our national affiliate, the Big “I,” in Washington, D.C., our organization is working to ensure public policy supports the long-term stability and competitiveness of Tennessee’s insurance market.

Statehouse Recap: Legislative Threats Averted

The 114th Tennessee General Assembly adjourned earlier this spring following a session dominated by debate over education reform, infrastructure investment, and public safety. For Insurors of Tennessee, the session was marked by several key advocacy victories:

• HB4/SB418 sought to significantly increase tort recovery limits under the Governmental Tort Liability Act. We opposed the bill due to its potential fiscal strain on local governments. Outcome: Failed in Senate Judiciary.

• HB5/SB419 originally aimed to double Tennessee’s cap on civil noneconomic damages, undermining a decade of tort reform. After intense advocacy, the bill was rewritten and refocused on an unrelated issue. Outcome: Stalled in House; eligible for consideration in 2026.

• HB864/SB1335 would have required proof of insurance at vehicle registration, creating compliance and administrative burdens for independent agencies without meaningful gains in coverage rates. Outcome: Deferred to next session.

We also monitored a range of bills affecting the broader insurance landscape, including legislation related to MEWAs, premium finance companies, and public entity insurance authority. These efforts reinforce our mission to proactively engage before issues become problems.

On the Hill: Big “I” Leads Federal Advocacy Efforts

In April, a delegation of Tennessee agents joined independent counterparts from across the country in Washington, D.C., for the annual Big “I” Legislative Conference. With the looming expiration of the National Flood Insurance Program (NFIP) on September 30, and ongoing threats to small business tax relief and employer-sponsored benefits, our federal priorities are more urgent than ever.

Key Issues on Capitol Hill:

• NFIP Reauthorization:

We support legislation to provide long-term reauthorization and stability to the National Flood Insurance Program, which is set to expire at the end of September.

• Main Street Tax Certainty Act:

The Big “I” continues to push for permanent extension of the 20% deduction for pass-through income, which disproportionately benefits small, independent agencies.

• Employer-Sponsored Coverage: We oppose efforts to cap or eliminate the employer tax exclusion for health benefits, a critical incentive for businesses to offer coverage.

• Third-Party Litigation Funding Transparency: Requiring disclosure of TPLF arrangements in lawsuits will help reduce abusive litigation and ensure fairness in the civil justice system.

• Protecting Associations:

We continue to defend the tax-exempt status of trade associations like Insurors of Tennessee and the Big “I,” which serve as vital advocates and educators for the industry.

Government & Legal Update

Looking Ahead: Eyes on the 2026 Election Cycle

With the 2025 session behind us, all eyes now turn to the year ahead—which promises to be politically pivotal. Not only will next year bring a full slate of legislative races, but Tennessee’s gubernatorial race is also starting to take shape. While it’s too early to speculate about specific candidates, the dynamics are already in motion.

Equally important is the ramp-up in fundraising season. State lawmakers, who by law must pause campaign activity during session, are now turning their attention to fundraising ahead of next year’s elections. For Insurors of Tennessee, this is a critical time to ensure the independent agency system remains visible and relevant in policy circles.

InsurPAC TN: Fueling Our Collective Voice

This is where InsurPAC TN, our state political action committee, plays a key role. It’s not just about political contributions—it’s about maintaining a seat at the table, educating candidates about the insurance industry, and supporting policymakers who understand our unique challenges.

As we head into a competitive and consequential election season, we must replenish and strengthen our advocacy resources. Every contribution—large or small—makes a difference.

Please consider contributing to InsurPAC TN today. Visit www.insurors.org/donate-to-insurpactn/ to contribute or learn more.

Together, we’re protecting the profession, the clients we serve, and the future of independent insurance in Tennessee.

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

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Save The Date • Insurefest 2025 • Memphis

October 11-14, 2025

Our host hotel for 2025 is the Memphis Hilton located at 939 Ridge Lake Blvd

Each fall we convene to acknowledge the many successes in the independent insurance industry in Tennessee. This 'crown jewel' of our events features many enjoyable activities and engagements within our association. We strive to host a quality trade show for our carriers and vendors to exhibit their new products to our agency members. Along with our trade show, we host speaker sessions, free time activities, tours, CE opportunities, social hours, football parties, live music, and our longstanding association breakfast where we recognize the agents and company representatives who are making tremendous impacts with the Insurors of Tennessee!

Schedule - Central Time Zone - Details are subject to change

SATURDAY, October 11

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

5:00 PM - 7:00 PM | Welcome Social | The Lobby Bar (Hilton Memphis)

SUNDAY, October 12

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

www.insurors.org/annual-convention/

9:00 AM - 10:30 AM | Board of Directors Meeting (Private) | Director 3 | Invitation Only | Lunch Included 11:00 AM - 1:00 PM | Annual Meeting & Keynote Speaker | Southeast Ballroom

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

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

1:30 PM - 4:30 PM | Tradeshow | Tennessee Ballroom

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

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

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

•Live performance by Ghost Town Blues Band

MONDAY, October 13

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

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

9:15 AM - 10:15 AM | Education Session | Director 6

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

10:30 AM - 11:30 AM | Education Session | Director 6

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

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

• MORE INFORMATION COMING SOON

1:30 PM - 3:00 PM | Part I: Martin & Zerfoss Activity - Education Session | Lakeview I 3:00 PM - 5:30 PM | Part II: Martin & Zerfoss Activity - Murder Mystery | Lakeview II

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

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

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

TUESDAY, October 14th

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

4 Things You Should Do If Your Carrier Has Been Hacked

By: Will Jones, IA Editor-in-Chief.

Erie Insurance and Philadelphia Insurance Companies are both grappling with extended system outages following cybersecurity incidents that began earlier this month. Erie reported “steady progress” in restoring operations after detecting unusual activity on June 7, while Philadelphia Insurance has been offline since June 9 after a similar discovery.

Both insurers say teams are working around the clock alongside cybersecurity experts, but full restoration will take time. The outages have disrupted phone, email and online services. In the wake of these attacks, John Hultquist, chief analyst at Google’s Threat Intelligence Group, warned that the insurance industry should brace for attacks by Scattered Spider, the hacker group linked to the recent assault on the U.S. and U.K. retail sector.

“Google Threat Intelligence Group is now aware of multiple intrusions in the U.S. which bear all the hallmarks of Scattered Spider activity. We are now seeing incidents in the insurance industry,” Hultquist told The Register tech website. Hultquist added that, given Scattered Spider’s history of “focusing on a sector at a time,” the industry should be on “high alert,” particularly for “social engineering schemes, which target their help desk and call centers.”

Scattered Spider, also known as UNC3944, is believed to be a trans-Atlantic coalition of hackers whose past targets have included large firms across the technology, telecommunications and financial services sectors, according to Google. “When carrier systems go down, independent agents are often left to navigate a difficult and confusing situation,” says Nancy Germond, Big “I” executive director of risk management and education. “It can be tempting to bend procedures in the name of customer service, but that’s when errors & omissions risks are at their highest, so don’t.”

Here are four things Germond recommends you do to limit your E&O exposure if one of your carriers is the target of a cyberattack:

1) Follow each carrier’s advice. Insurers are reaching out to agents with information and advice. Keep copies of any communication and instructions from the carriers in your agency management system (AMS). “Unless you feel it would expose your agency to an E&O claim, follow the carrier’s advice,” Germond says. “Acting outside of the carrier’s

advice could create problems with your appointment authority with that carrier. When in doubt, get legal advice. Also, remember that different carriers will offer different instructions,” she says.

2) Consider moving coverage. If you are unable to provide the coverage requested by your insured, you may have to move the business. There may be situations where you do not have binding authority and cannot complete the insured’s request. Be sure to communicate that to the insured and look for alternatives when necessary. “In these unusual circumstances, we revert back to the basic requirement of an insurance agent: Place the coverage as requested or notify their customer in a timely manner that they are unable to do so,” Germond says. “Communication is key, including informing the customer and offering them the option to purchase coverage through another carrier, or even another agent if they so choose.”

3) Document, document, document. Thoroughly document and respond by email to all conversations or coverage requests with or from your insureds. Events like cyberattackrelated outages can cause an insured to allege that “we asked for coverage and the agency told us it was bound” when in fact they did not. Documentation patterns can be a significant help in defending against any allegation of this type. “With the carrier system down, carriers are no doubt unable to properly document all communications and changes,” Germond says. “Agents should document every discussion or action in their AMS. In situations like this, dates will matter,” she continues. “Should customers end up without coverage for some time, you may need to show what communications were sent to them and what options you offered.”

4) Warn your customers of possible payment scams. If a carrier’s payment portal is down, this is a wide-open target for scammers to set up fake payment sites or to call and request credit card or other payment information. Warn your insureds not to pay anything via online portals before checking with you. And ensure you have the most current payment portals when they become available again. “Cyberattackers are opportunists and will seek to capitalize further on the disarray they’ve created,” Germond says. “Remind staff and clients to keep their guards up against follow-up scams, whether that’s from phishing emails or social engineering attempts.” u

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From Your President

Bobby Sain

We Simply Must Stay Fully Engaged

The Insurors of Tennessee was well represented in Washington, D.C. at the annual Big “I” legislative conference that was held from April 30 to May 2, 2025, at the Westin Downtown Hotel and Conference Center. We had the opportunity to hear about national legislative areas of concern from the Big “I” legislative staff and provide our input from the perspective of Tennesseans. We also had the opportunity to meet with our elected leaders to constructively discuss issues and potential legislation under consideration in the House and the Senate. Clearly, maintaining these relationships and keeping open lines of communications with our elected leaders is vital at a time of consequential challenges for the nation on both the domestic and global fronts.

At the state level in Nashville, we had a successful year with the help of our Governmental Affairs Consultant Trey Moore and the Legislative Affairs Committee of the Insurors of Tennessee. At a time of potential significant change driven by legislation, staying informed and engaged at the state level is vital. The truth is that any legislative session can produce legislation that is inconsistent with keeping a healthy insurance industry in Tennessee to the detriment of agencies, companies, and ultimately consumers. This can occur via misguided efforts to affect change or through unintended consequences of legislation not directly focused on insurance and risk management.

As an association, we simply must stay fully engaged throughout the year at the national and state levels to make certain our interests are communicated and understood. Now more than ever, we must be present and active. Part of supporting such a posture is making certain we consistently fund both our PACs at the state and national levels. So, I encourage my colleagues across the industry here in Tennessee to start

making contributions now in advance of upcoming elections in 2026. Visit the Insurors of Tennessee website under the Advocacy tab to learn how to contribute. I'd like to thank Trey Moore for his hard work during this legistlative session.

As of late at the national level there has been much discussion about FEMA and the National Flood Insurance Program (NFIP). The NFIP program will come up for reauthorization by Congress in September. You will undoubtedly hear more about this critical issue in the coming weeks and months. For those of you new to the insurance industry or unfamiliar with the NFIP here is a brief primer to aid with your understanding of the program and its importance across the nation. The recent inland impact of hurricanes has underscored the vital role the program plays in recovery efforts.

National Flood Insurance Program

The National Flood Insurance Program (NFIP) plays a critical role in safeguarding American communities from the devastating financial impacts of flooding. Established in 1968 and administered by the Federal Emergency Management Agency (FEMA), the NFIP provides affordable flood insurance to property owners, renters, and businesses, while also encouraging communities to adopt and enforce floodplain management regulations.

Flooding is the most common and costly natural disaster in the United States, yet standard homeowners’ insurance policies typically do not cover flood damage. The NFIP fills this gap, offering a vital safety net that helps individuals and communities recover more quickly and completely after flood events. By spreading the financial risk of flood damage across a broad base of policyholders, the program reduces the burden on federal disaster relief funds and taxpayers.

Beyond insurance, the NFIP promotes resilience through its mapping and mitigation efforts. It produces Flood Insurance Rate Maps (FIRMs) that guide development away from high-risk areas and inform building codes and land-use planning. Communities that take part in the NFIP must implement floodplain management practices, which reduce future flood risks and enhance public safety.

In an era of increasing climate volatility and rising sea levels, the NFIP is still a cornerstone of national disaster preparedness and recovery. Its continued modernization and expansion are essential to protecting lives, property, and the economic stability of flood-prone regions across the United States.

InsureFest 2025 – East Memphis Hilton – October 11-14, 2025

In closing, I hope you will mark your calendars and save the date to attend the 2025 Insurefest being held in Memphis at the Hilton in East Memphis from October 11-14. Registration is currently open. We have a great conference planned with opportunities for you and your staff to learn, build relationships with your industry peers, and find some time to relax and unwind. Please visit the Insurors of Tennessee website to learn more and register at your convenience. I look forward to seeing you there! u

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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.

From Your Executive Director

Kristen Gulson

One of my primary areas of emphasis since becoming Executive Director is to ensure that we are providing as much value as possible to members and associate members. As we travel the state and talk with members, we often find that people are not always aware of the comprehensive suite of products and services we offer through our office and through Big “I” National. We also continue to seek to provide services that meet the emerging needs of agencies in a rapidly changing operating environment.

Just this week, we are now offering Big “I” Hires to help agencies with the always challenging task of recruiting and selection of talent to help grow and develop their agencies. We are also providing support to help agencies counsel clients on the phenomenon known as Legal System Abuse that is driving the severity of claims often with no real benefit to the client. This trend has become pervasive across America. Please see the ads in this edition of the Tennessee Insuror to learn more. I am also providing you with a brief overview of the many products and services we provide to you via the Insurors of Tennessee office and through Big “I” National. It is a good refresher on what we can provide to your agency to support ongoing operations and support.

Education/Professional Development

One of the primary services offered by the Insurors of Tennessee is access to comprehensive continuing education (CE) opportunities. These programs are essential for agents and brokers to stay updated with industry trends, regulatory changes, and best practices. The association provides various CE courses, including on-demand options through platforms like ABEN (Agents & Brokers Education Network) and WebCE. Additionally, the IA-MBA program is available for those looking to advance their business knowledge and leadership skills.

Market Access

Access to diverse insurance markets is

crucial for the success of independent agents. Insurors facilitates this by providing members with connections to multiple markets and options. This service ensures that agents can offer a wide range of products to their clients, enhancing their competitive edge in the industry.

Legislative Advocacy

The Insurors of Tennessee actively engages in legislative advocacy to protect and promote the interests of its members. The association works at both the state and national levels to influence policies that impact the insurance industry. By staying involved in legislative processes, the Insurors of Tennessee ensures that the voices of independent agents are heard and considered in regulatory decisions.

Networking and Community Building

Building a strong professional network is vital for career growth and business success. The Insurors of Tennessee organizes various events and programs to facilitate networking among its members. These include industry conferences, seminars, and social gatherings where members can connect, share experiences, and collaborate on common goals. The association also supports specialized groups such as the Young Agents program, which focuses on empowering the next generation of insurance professionals.

Partner Programs/Marketing Support

For associate members, which include insurance carriers, companies, brokers, and vendors, the Insurors of Tennessee offers strategic marketing initiatives through its Partner Program. This program is designed to elevate the visibility of these companies to agency members across Tennessee and beyond. Additionally, the association provides marketing enhancements and resources to help members effectively promote their services and grow their businesses.

Premium Financing/Banking Solutions

Financial services are another critical

area where the Insurors of Tennessee support members. The association partners with companies like Imperial PFS to offer premium financing solutions, ensuring that members can provide flexible payment options to their clients. Additionally, banking solutions are available through partnerships with institutions like INSBANK, providing members with access to financial products tailored to the needs of insurance professionals.

Specialized Programs and Resources

The Insurors of Tennessee offers several specialized programs to cater to the diverse needs of its members. For example, the WINS (Women in Insurance) program focuses on the professional development, education, and growth of women in the insurance industry. The association also provides resources for agency management, including tools and support for running an independent agency efficiently.

Closing Thoughts

Membership in the Insurors of Tennessee offers a comprehensive suite of services designed to support the professional growth and success of independent insurance agents and brokers. From continuing education and market access to legislative advocacy and networking opportunities, the association provides valuable resources and programs that enhance the capabilities and competitiveness of its members. By fostering a strong community and offering specialized support, the Insurors of Tennessee plays a crucial role in the thriving insurance industry in the state. If you have any questions or would like to learn more, please visit our website or give us a call and speak to one of our staff. Thank you for being a member of the Insurors of Tennessee. u

Tennessee Young Agents '25 Young Agent Spotlight

Stewart Howell • Haven Insurance Partners, Jackson

Across the state of Tennessee, we have met Young Agents from Bristol to Memphis and all points in between who show the future of our industry is in very capable hands. With additional experience and continuing education, this generation will be ready to lead and meet the inevitable challenges the insurance and risk management business will undoubtedly present going into the future. In this issue of the Tennessee Insuror, we introduce you to Stewart Howell of Haven Insurance Partners located in Jackson, Tennessee. Stewart is a Commercial and Personal Lines Producer with the agency as well as a Commercial Insurance Renewal Manager.

Haven Insurance Partners is a leading independent insurance agency serving the West Tennessee market and beyond. They are a forward leaning organization focused on leveraging the advantages of being a professional independent insurance agency to serve the insurance and risk management needs of commercial and personal insurance clients. The agency is locally owned and operated with deep knowledge and experience that can help clients manage and mitigate the risk associated with the most complex exposures. The agency is keenly focused on delivering exceptional service to clients on a consistent basis. Stewart is part of a great team at Haven Insurance Partners.

Stewart is originally from Knoxville, Tennessee where he attended the Christian Academy of Knoxville. His parents Todd and Leigh are both University of Georgia graduates and his father has an advanced degree from Mississippi State University in meteorology. Todd is well known across the region and is the longtime Chief Meteorologist at WBIR in Knoxville. Stewart is the youngest of four brothers including Walker, Davis, and Nolan.

While attending the Christian Academy of Knoxville Stewart played football where he started out as a wide receiver and moved to the quarterback position to meet the needs of the team. In his senior year, Stewart received a football scholarship to play quarterback at the University of Tennessee-Martin (UT-Martin) in West Tennessee. The team won three Ohio Valley Conference (OVC) championships during his time at the university. He earned a bachelor’s in business administration degree with a major in Finance while attending UT-Martin as a student athlete. His experience as a college athlete and being part of a winning team coupled with his academic accomplishments at the university prepared him well for life and his career.

Since joining Haven Insurance Partners in May of 2023, Stewart Howell has already made significant contributions to the agency's growth and success. His ability to connect with clients and understand their unique needs has earned him a reputation for excellence in customer service. Stewart's approach is characterized by empathy, attention to detail, and a growing understanding of the insurance products he offers. Through his efforts, the agency has been able to reach more individuals and businesses in Jackson, Tennessee area, providing them with comprehensive insurance solutions. Stewart's dedication to his clients is evident in the positive feedback and testimonials he receives, highlighting his commitment to going above and beyond to meet their needs.

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Haven Insurance Partners is known for its personalized approach to insurance, and Stewart's role is crucial in maintaining this reputation. He is part of a team that includes other dedicated professionals like Cy Young, Caleb Meriwether, Don Ross, Beau Carr, Rhonda Lovell, and Whittney Lovell. Stewart takes advantage of the experience and knowledge of his colleagues in the agency to grow and develop.

He is also committed to further enhancing his skills and knowledge through continuing education, with the goal of becoming a leading expert in the insurance industry in the future. Stewart's vision for his career is to further expand the agency's reach and impact, helping more clients secure their financial future through effective insurance planning.

Stewart recently married his wife Mary whom he met while they both attended UT-Martin. Mary is from Dyersburg, Tennessee located north and west of Jackson and enjoys living in the West Tennessee area close to her family. She is the Marketing & Data Manager for Undergraduate Admissions at Union University in Jackson. Stewart and Mary just purchased a house in the Jackson area earlier this year not far from the Union University campus. Stewart says Mary enjoys the short five-minute commute to work.

In their spare time, they both enjoy laying out by the pool, watching movies and getting outside to enjoy the great outdoors in West Tennessee. Stewart is also a University of Georgia fan staying true to his parent’s alma mater and is a fan of the Tennessee Titans and Memphis Grizzlies. Since he grew up in Knoxville, he is also a University of Tennessee fan except when UT plays Georgia or UT-Martin. Stewart also enjoys playing golf as time permits and he plays the guitar to relax and unwind. u

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Agency Feature

Atchley & Associates Agency: A Pillar of the Sevierville Community

Atchley & Associates Agency, located in the heart of Sevierville, Tennessee, is a well-respected independent insurance agency known for its commitment to providing personalized and comprehensive insurance solutions. Founded with the goal of serving the local community, the agency has grown over the years to become a trusted name in the insurance industry. Today, the agency has nine employees serving the community.

A Legacy of Service

Atchley & Associates Agency was established in 1981 with a clear mission: to offer tailored insurance services that meet the unique needs of each client. The agency prides itself on its ability to provide a wide range of insurance products, including auto, home, life, and business insurance. This diverse portfolio ensures that clients can find the coverage they need, all under one roof.

Tommy cited the catastrophic fires that happened in the Gatlinburg, Pigeon Forge, and Sevierville area in 2016 as a prime example of how the agency and the companies they represent rallied together to support insured clients and the community during that challenging time. Tommy noted that many of his company partners opened remote claim locations in the community to be there for their clients at a time when they were needed most. The 2016 fires were truly a watershed event in the history of the agency and the Gatlinburg/Pigeon Forge/Sevierville area. The agency and the community met the moment and stand strong today.

Tommy was a member of the Young Agents back in the day and was selected to be Young Agent of the Year.

Tommy

Atchley: The Man Behind the Agency

At the helm of Atchley & Associates Agency is Tommy Atchley, a dedicated professional with a deep-rooted passion for helping others. Tommy's journey in the insurance industry began many years ago, and his extensive experience and knowledge have been instrumental in shaping the agency's success. Tommy is a graduate of East Tennessee State University where he earned a degree in business with an emphasis in real estate and accounting. The agency’s portfolio is approximately 75% Commercial Insurance and 25% Personal Insurance. Through the years the agency adapted to the market changes in the area catering to the hospitality and amusement businesses throughout the area who serve the more than eight million tourists that visit the beautiful area each year.

Long Time Member of the Insurors of Tennessee

The agency has been a member of the Insurors of Tennessee since 1981. Tommy recalls Jim Alexander being the Executive Director when the agency joined the association with Chuck Bidek leading the association’s education efforts at the time. Tommy said, “Chuck Bidek was exceptionally knowledgeable and helped so many of us get off to a strong start in the business through professional education.” Tommy described Chuck as having great support among Young Agents and others in the association to become the successor to Jim Alexander as Executive Director when Jim retired.

Tommy Atchley is not just a business owner; he is a community leader who believes in giving back. His commitment to the Sevierville community is evident in the several local events and charitable activities the agency supports. Tommy is an active member of the First Baptist Church of Sevierville and supports its missions. He is also a regular supporter of the local United Way and other non-profits in the area. Under his leadership, Atchley & Associates has become more than just an insurance provider; it has become a vital part of the community.

Away from work, Tommy enjoys spending time with his family who live nearby to include his seven grandchildren who are busy most weekends with sports and other activities. As an example, Tommy and family just returned from Myrtle Beach, S.C. where they attended a youth baseball tournament. The seven grandkids from ages five to twelve keep the family engaged and busy!

Commitment to Excellence

Atchley & Associates Agency is committed to providing the highest level of service to its clients. This commitment is reflected in the agency's core values, which include integrity, professionalism, and a client-first approach. The agency's dedication to excellence has earned it a reputation for reliability and trustworthiness in the Sevierville community. His staff, which include his wife Susan, his son Thomas Atchley and a team of caring insurance professionals are the key to their success for more than forty years.

One of the ways the agency supports its exacting standards is through continuous education and training. The insurance industry is constantly evolving, and the team at Atchley & Associates stays up to date with the latest trends to ensure they can provide the best advice and solutions to their clients.

Looking Ahead

Atchley & Associates Agency stands as a testament to the

power of dedication, community involvement, and personalized service. Under the leadership of Tommy Atchley, the agency has not only achieved business success but has also made a lasting positive impact on the Sevierville community. Atchley & Associates, under the ascending leadership of Tommy's son, Thomas, the agency will continue to be a pillar of support and reliability for its clients. u

We’re right here to do more.

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

InsurTech Insights 2025: The Rise of Agentic AI and Task-Specific Tech Your BIG "I"

BY Dave Evans, a senior associate with insurance marketing firm Aartrijk, based in Fairfax, Virginia

When the 2025 InsurTech Insights conference convened in New York City last week, the big question was: Can a single year bring a noticeable difference in InsurTech? The answer, it turns out, is yes. The dominant theme—unsurprisingly—was artificial intelligence (AI). But unlike in years past, the conversation was less about hype and more about practical application.

In the session “Targeting Insurance Distribution with Advanced Technology/Finding the Right Risk” Ken Gregg, CEO of Orion180, said “Ease of doing business is really about the path of least resistance, and in that regard, technology is a multiplier of human capital. It should be viewed as an asset, not an expense.” “Don’t start with the tech,” added Nick Carter, senior sales director at expert.ai. “Start with the problem. Then bring together the right stakeholders to scope the use case before applying technology.”

The message is clear: insurers and agents are no longer experimenting. They are implementing.

What truly marks a turning point is the emergence of a new concept: agentic AI. In the session “Beyond the Buzz: What Agentic AI Really Means for Insurance,” John Keddy, vice president of Insurance AI Strategy & Solutions, defined agentic AI as “a conductor orchestrating across systems, people, existing AI tools, video, and text.” Unlike traditional AI, which is task-specific, agentic AI is goal-oriented. It autonomously scans environments, gathers data, and completes workflows with minimal supervision. The impact? Everyone, from underwriters to brokers, can now benefit from a digital “assistant” that accelerates tasks and elevates human decision-making.

Panelists also emphasized that these types of changes are happening now—not in years, but in 90- and 180-day increments.

Still, a note of caution echoed around AI: The pace of development is swift, and balancing enthusiasm with intentional learning is key. As AI capabilities grow, insurers and distributors must grow their understanding in parallel to use the tools wisely and effectively.

This year’s conference continued to debunk the myth that technology will replace insurance agents, making it clear that agents are not becoming obsolete—they’re evolving. Expert speakers at the conference emphasized that the agent’s core offerings of professional judgment and risk guidance remain irreplaceable. In fact, AI is helping to remove the administrative burdens that once distracted agents from higher-value advisory work. Data captured through client interactions can now be organized and customized to meet specific customer needs more effectively than ever before.

The “Agents of Change” panel explored how technology is more important than ever. As seasoned industry professionals near retirement, while customer bases shift economically, culturally and generationally, AI can help bridge gaps when paired with human empathy and insight.

Meanwhile, the session “Crisis in Claims: Tackling Nuclear Verdicts and Social Inflation” unpacked how InsurTech, such as AI, can even help with the industry’s ongoing challenges with legal system abuse.

AI can be applied to the claims process to flag potentially problematic cases earlier—helping insurers respond faster, communicate better and even mitigate loss exposure. Some carriers are using these tools to reduce litigation by offering faster and more transparent resolutions, making attorney involvement less necessary. Still, the retirement of experienced claims professionals is creating a talent gap, and aggressive attorney advertising continues to shape public perception negatively. Here, too, AI can help correct the imbalance by organizing data more clearly to equip the insurance industry to rebuild trust with consumers and juries alike. u

Your BIG "I"

Homeowners Aware of Risks and Prevention but Don’t Act

BY: Will Jones, IA Editor-in-Chief

While most homeowners are familiar with common risk areas and the technologies designed to mitigate them, relatively few have implemented these solutions in their own homes, according to a report from The Hanover. For independent insurance agents, the findings of the report—based on a survey of more than 1,100 U.S. homeowners conducted by The Harris Poll—open the door to important client conversations about loss prevention, home safety and technology adoption.

Non-weather-related water damage, one of the most frequent and expensive causes of home insurance claims, is a prime example. More than three-quarters (79%) of homeowners say they are aware of water sensors, and 76% are familiar with automatic water shutoff devices. Yet only 16% have installed sensors and just 13% have added automatic shutoff systems or confirmed their home already has them.

When it comes to protecting against structural damage, like wind and hail, the numbers tell a similar story. Sixty-one percent of homeowners say they are aware of fortified roofing materials and 59% know about wind-rated garages. However, just 17% have upgraded their roofs with stronger materials and only 10% have taken steps to ensure their garages are built to withstand wind damage.

On a positive note, more homeowners are checking their roofs—57% this year, compared to just 38% in 2024—indicating increased attention in response to industry outreach.

Fire safety, long considered a basic home maintenance priority, also shows room for improvement. Awareness of smoke detectors and fire alarms is nearly universal, at 99% and 97%, respectively. But only about twothirds of homeowners say they’ve confirmed those devices are installed in their homes.

“As weather becomes more severe and risks evolve, it’s more important than ever that homeowners take proactive measures to protect their homes and the significant financial investments they represent.”—Daniel C. Halsey, president, personal lines, The Hanover.

installing affordable, easy-to-use water sensors and automatic shutoff devices; performing routine inspections on roofs, water heaters and HVAC systems; keeping gutters clear and trees trimmed to prevent storm damage; and staying current with basic fire safety practices like installing and maintaining smoke detectors and keeping dryer vents clean.

Further, regular fire prevention tasks, like cleaning dryer vents and maintaining HVAC systems, are being done by 62% and 57% of homeowners respectively—leaving a significant portion still at risk.

Homeowners can take simple steps that can make a big difference in loss prevention, the report says. These include

“As weather becomes more severe and risks evolve, it’s more important than ever that homeowners take proactive measures to protect their homes and the significant financial investments they represent,” said Daniel C. Halsey, president of personal lines at The Hanover. “Homeowners don’t want to experience the stress and disruption that often accompany a loss. Taking care of properties can help reduce the impact.”

“As an industry, we’ve made progress in educating customers, but there’s still work to be done—especially when it comes to helping homeowners take action,” Halsey added. u

The Big “I” works tirelessly to ensure that your interests as independent insurance agents are well represented on Capitol Hill. And your support of the Big “I” Flood program with Selective helps the Big “I” better serve you!

Most recently, the Big “I” and other stakeholders negotiated improvements to pending NFIP reauthorization legislation that could save agents millions of dollars in compensation if passed into law.

It is through production generated from Big “I” Flood appointed agents that Selective provides efforts on behalf of independent agents, by promoting NFIP reform and sustainability.

with Selective, you will enjoy competitive commissions while partnering with one of the most experienced and dedicated carriers in the marketplace.

Selective is also the only insurer that directly supports your national and state independent insurance of our Big “I” members in congress and with the National Flood Insurance Program. United, we can help all independent agents have a strong voice of Flood program and you can help strengthen that voice!

Penn National Insurance sells property-casualty insurance in 12 states by partnering with more than 1,200 independent agency operations.

Financial Strength

Penn National Insurance has an A.M. Best Rating of A (Excellent). This rating is assigned by A.M. Best to companies that have an excellent ability to meet their ongoing insurance obligations.

Claims Service

Penn National Insurance has achieved a “Superior Rating” for Personal Lines Claims Customer Experience for five consecutive years.

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We are looking for select commercial lines agencies in Tennessee.

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Association Update

Please Welcome These New Members to the Insurors of Tennessee!

Agency Membership

Picked Up Insurance - Cordova

Diversified Insurance & Benefit Services, LLC - Chattanooga

Sawyer Penn Insurance - Brentwood

P3 Insurance Solutions - Memphis

Elizabeth Rook Insurance - Lakeland

Associate Membership

Anzen – San Francisco, CA

MTSU 41st Annual Martin Chair of Insurance Golf Tournament

A huge thank you to everyone who came out to support our 41st Annual Martin Chair of Insurance Golf Tournament— we had a fantastic time, and it wouldn’t have been possible without our sponsors, golfers, and volunteers.

Special thanks to our strategic partners for their continued support of our students and our program:

Farm Bureau Insurance of Tennessee

Wholesure

CorVel Corporation

CNA Insurance

CIA - Commercial Insurance Associates

Insurance Group Of America LLC

Public Entity Partners

Travelers

We’re proud to be building meaningful connections between our students and the industry, and events like this are a great reminder of what’s possible when education and industry come together. Enjoy a few highlights from the day in photos! u

Legal System Abuse:

A Problem We Can Solve

How You Can Help:

Nearly 6 in 10 agents say customers are unaware of how legal system abuse affects their insurance costs. Yet the numbers are staggering:

$366.8 billion

$162.1 billion

$5,135 per year

Why Agents Should Care:

Company Briefs

Liberty Mutual Elects New Chairman

The Liberty Mutual Insurance Board of Directors today elected Timothy M. Sweeney Chairman of Liberty Mutual Holding Company Inc., effective today, April 9, 2025. Sweeney, who is currently the company’s President and Chief Executive Officer, will succeed David H. Long, who is retiring as Chairman and Director.

Long has been part of Liberty Mutual for 40 years, and became President in 2010, Chief Executive Officer in 2011 and Chairman in 2013. Sweeney was appointed President and Chief Executive Officer in January 2023 upon Long’s retirement as Chief Executive Officer.

“David's tenure has been defined by his unwavering commitment to excellence and the well-being of our

employees. His leadership has transformed challenges into opportunities, ensuring that our core values remain at the center of everything we do,” said Sweeney. “On behalf of our Board of Directors and the entire organization, I’d like to thank David for a remarkable four decades at the company and wish him and his family the very best in the years to come.”

“Experiencing the evolution of this organization is something I will always cherish,” said Long. “I’d like to express my immense appreciation to our people, as they truly make Liberty Mutual a best place to work, and to the leadership team for their dedication to driving our business forward. I’m eternally grateful for my time with the company and everyone’s unwavering commitment to keep our promises to our customers, partners, communities and each other.”

BlueCross Named One of Best Employers for New Graduates

Insurer makes list for second year

For the second year, BlueCross BlueShield of Tennessee

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

more at www.LUBAwc.com/sideways

Company Briefs

(BlueCross) has made the Forbes list of the Best Employers for New Graduates, ranking 314 out of 500 companies across the country.

The company is also the top-ranked Tennessee-based insurer and one of the top-ranked companies across the state.

“By enhancing our talent pipeline and early career development opportunities, we continue help young professionals grow into strong leaders at BlueCross,” said Roy Vaughn, BlueCross SVP and chief human resources officer.

“We know recent graduates make valuable contributions to our organization, and we are honored that our investment in them has been recognized for a second year by Forbes.”

The company’s efforts to attract new professionals include:

• The BlueBridge internship program, which targets undergraduate students entering or completing their junior or senior years.

• The BlueSky Tennessee Institute, a technology workforce development partnership with East Tennessee State University that provides a path to a bachelor’s degree in computing and a job offer from BlueCross in just 27 months.

• A revamped onboarding program to enhance elements

that help new talent feel welcome, supporting effective engagement with the company’s culture from day one.

Forbes rankings are based on the results of an independent survey conducted among more than 100,000 young professionals (those with less than 10 years of work experience) working for companies with at least 1,000 employees in the US. All Forbes rankings are based on actual feedback from employees, and the recognition can only be earned.

Arlington/Roe - 2025 Best Places to Work

Arlington/Roe was recently named one of the 2025 Best Places to Work in Indiana. This marks the 20th edition for the Indiana Chamber of Commerce initiative. “This prestigious recognition would not have been possible without the teamwork and hard work of our associates,” said Chairman & CEO Jim Roe. “We are proud to be an organization with a history of upholding the Golden Rule as our guiding principle. Our associates embody the values of honesty, integrity and trust, which are at the heart of everything we do. Our success is measured by the success of our associates who make Arlington/Roe a wonderful place to work.”

The statewide survey and awards program is designed to evaluate participating organizations and honor those with the highest levels of employee satisfaction and engagement in the workplace. Companies from across the state entered the two-part survey process to determine the Best Places to Work in Indiana. The first part consisted of evaluating each nominated company’s workplace policies, practices, philosophy, systems and demographics. The second part consisted of an employee survey to measure the employee experience.

The combined scores determined the top companies and the final rankings. Workforce Research Group managed the overall registration and survey process in Indiana, analyzed the data and determined the honorees and rankings.

Ryan Specialty Acuires J.M Wilson

Ryan Specialty a leading international specialty insurance firm, is pleased to announce that it has signed a definitive agreement to acquire the business of J.M. Wilson Corporation (“JM Wilson”). JM Wilson is based in Michigan and its operations will become a part of RT Binding Authority, the binding authority specialty of Ryan Specialty.

Founded in 1920, JM Wilson has six offices throughout the United States. The business has a broad offering, including products ranging from personal lines to surety and is

Company Briefs

particularly well known for their transportation expertise. JM Wilson’s success in the difficult class of transportation is a result of the business’ historical underwriting profitability, which has allowed JM Wilson to maintain multi-decade relationships with high quality carriers.

Commenting on this acquisition, Ed McCormack, CEO of RT Specialty, said, “JM Wilson is very well respected in the industry, with its strong underwriting track record and client-focused approach. We are delighted to be able to add such high-quality talent to our organization. This team fills a critical need for RT Specialty, giving us a more robust Midwest binding authority presence and strengthening our transportation practice.”

David Wilson, President of JM Wilson, added, “We are thrilled to join RT Specialty and are very familiar with the team. For the past 100 years, we have prided ourselves in developing top talent and competing on expertise. Culturally, we know that Ryan Specialty shares our values. We look forward to the future as a part of the Ryan Specialty family.

J.M. Wilson generated approximately $19 million of operating revenue for the 12 months ended January 31, 2025. Terms of the deal were not disclosed. The transaction is expected to close in the third quarter of 2025.

West Bend Hires Vice President of Claims

West Bend is excited to share that Tom Kluxdal has joined our team as vice president of claims! Tom will be instrumental in guiding our Claims division and advancing our corporate strategy. Tom is an innovative leader with two decades of experience in the insurance industry. He has a strong track record of building client solutions; leading high-performance teams across various lines of business, including workers’ compensation, auto, and property liability; and driving improvements in operations, profitability, and customer satisfaction. His expertise spans claim management, strategic planning, process improvement, and change leadership. Tom has a bachelor's degree in Business Administration from Hamline University in St. Paul, Minnesota. u

Your BIG "I"

Dog Bite Claims Cost $1.6 Billion in 2024, Rising 86% in 10 Years

BY: AnneMarie McPherson Spears, IA News Editor

Dog bites and other dog-related injuries cost U.S. insurers $1.6 billion in 2024, according to the latest claims data analysis from Insurance Information Institute (Triple-I) and State Farm, demonstrating that dogrelated claims have increased significantly in both frequency and cost.

There were 22,658 dog-related injury claims in the U.S. in 2024, up nearly 19% from 2023. The number of instances has increased 48% over the past decade. Additionally, the average cost per claim reached $69,272 in 2024, an increase of 18% from 2023—and an increase of 86% over the past decade.

Understanding Dog Bite Liability and Coverage Issues

While many dog bites do not injure or the wounds are minor, some dogs, such as mastiff derivatives, pit bulls, rottweilers and shepherd breeds, are viewed as problematic by underwriters.

Why are dog-related injury claims so expensive? “The reason that we’re seeing more and more very high verdicts on dog bites is because the public and the judiciary has recognized the pain, trauma and often disfigurement arising from a dog bite,” says Nancy Germond, Big “I” executive director of risk management and education. Further, “dog bite cases are difficult to defend due to many jurisdictions’ strict liability standard on dog-bite liability,” she says. Strict liability means the defendant can be liable for damages, even if they weren’t at fault.

Germond points to a verdict earlier in April when a Georgia jury awarded an elderly woman $4.2 million after she was bitten in the hand and thigh by a 130-pound Presa Canario mastiff dog. “Loose dogs, dogs with bad temperaments, irresponsible dog breeders who may breed a dog with a poor temperament and careless pet owners contribute to the frequency of dog bites,” Germond adds.

Nearly 46% of U.S. households own dogs, according to the American Veterinary Medical Association (AVMA). Triple-I recommends important safety tips to help dog owners take responsibility. Foremost among those is to never leave children unsupervised with dogs, even family pets, as more than 50% of all dog-related injuries happen to children, according to the AVMA.

Other tips include regular veterinarian appointments, positive training techniques, and always walking dogs on a leash. “Almost all dog bites are preventable and prevention begins with education,” said Sandra Faeh, president of the AVMA. “By learning about dog behavior and teaching kids how to safely interact with dogs, we can help protect both people and pets. Responsible pet ownership and respectful interactions are key to strengthening the human-animal bond and reducing the risk of injury.”

Agents should perform due diligence when homeowners disclose dog ownership and explain the importance of disclosing a dog’s aggression history and breed—keeping in mind some states have restrictions on carriers’ ability to limit or deny homeowners coverage based on dog breed. Additionally, insureds can consider a standalone dog liability policy. u

Education Calendar

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

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

CISR

7/10 Insuring Personal Auto Exposures Webinar

8/21 Agency Operations Webinar

11/6 Commercial Property Webinar

CIC

8/6-7 Commercial Casualty * Webinar

Other

7/23-24 Ruble Graduate Seminar Nashville

8/11-15 TN Property & Casualty Pre-Licensing Nashville

9/18-10/13 Agency Ascends Series Webinar/Memphis

10/1-2 Ruble Graduate Seminar Nashville

Additional courses for designation programs are offered on-demand at your own pace and as live webinars.

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

Additional Courses

Additional courses are available On-Demand and as Live webinars at the IIABA Virtual University *check the VU site for course offerings, CE and pricing (independentagent.com/vu)

From The National Alliance (www.scic.com)

Choose from the following programs CIC, CRM, CISR, CPRM, CSRM, Dynamics, RGS, MEGA, PROFOCUS, WTH, Intro, Producer School, Ethics, Flood and other. Choose by topic, location, delivery method and/or date.

From The Institutes (ceu.com/customer/insurors-tn ) Insurors of Tennessee has partnered with CEU, powered by The Institutes, to provide you with relevant and convenient online insurance continuing education (CE) courses. Through our partnership with CEU, you will enjoy a 35% discount on any of CEU’s relevant, practical courses when you log in. More than 150 course topics.

ABEN Webcasts

(insurors.aben.tv)

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

Agency Ascends Series

September 18, 2025 11:00 AM - October 13, 2025 11:30 AM (CDT)

Elevate Your Agency: A 4-Part Leadership & Efficiency Series with Kelly Donahue-Piro. Join insurance industry expert Kelly Donahue-Piro for an exclusive four-part series designed to empower agency leaders and teams. This comprehensive program combines three online webinars with a culminating in-person session at our annual conference, offering actionable strategies to thrive in today's challenging market. What you'll gain:

September 18, 2025 | 11 AM - 12 PM CT: Discover how to Establish a Culture of Accountability within your agency, fostering a highly productive and responsible team environment.

September 25, 2025 | 11 AM - 12 PM CT: Master Efficiency in Chaos: Time Management Secrets for Navigating a Hard Market. Learn practical techniques to optimize your time and streamline operations, even amidst industry pressures.

October 2, 2025 | 11 AM - 12 PM CT: Develop Your Agency Process Roadmap: How to Create, Roll out, & Train Your Team. This session will provide a clear framework for building and implementing robust agency processes, ensuring consistent success.

October 13, 2025 | 10:30 AM - 11:30 AM CT (In-person at Convention): Conclude the series with an engaging, inperson session on Agency Leadership Challenges. This interactive discussion will delve into critical leadership hurdles and provide strategies for overcoming them. Don't miss this opportunity to gain invaluable insights and practical tools to lead your agency to greater success!

This series is brought to you by your Insurors of Tennessee. If you have any questions, please reach out to Nick Field at nfield@insurors.org.

Registration for the event comes in a well packaged bundle! When signing up you will be eligible for all three live webinars (CE included). Our last sessions (in-person at our annual conference in Memphis) will be free for all those who attend!

Meetings- Mark Your Calendars

Insurors of Tennessee 132nd Annual Convention- Insurefest

October 11-14, 2025

Big "I" Fall Conference

October 2025

Hilton- Memphis

Memphis

Southern Agents Conference

December 5-7, 2025

Grand Hyatt

Nashville

The Whitley

Atlanta Buckhead

Member Engagement Socials Hosted by the Young Agents

Details of upcoming Member Socials for 2025 will be released closer to the event date.

Members can stay up to date with our email communications by subscribing to our email lists. Login to your InfoHub profile to set your preferences. Contact Jake Smith with assistance with InfoHub login.

July 16 • Memphis Member Social hosted by Young Agents • 4:30 PM - 6:30 PM

July 17 • Jackson Member Social hosted by Young Agents • 4:30 PM - 6:30 PM

July 24 • Knoxville Member Social hosted by Young Agents • 4:30 PM - 6:30 PM

All dates and locations subject to change.

We hope to see you at Insurefest 2025 in Memphis MONDAY, October 13, 11:45 AM - 1:15 PM Lunch & Learn: Curated by the WINS Committee Meeting in the Southeast Ballroom More information coming soon.

Directory of Advertisers

Have You Ever Tuned in to an Agency Nation Radio Podcasts?

Agency Nation Radio is where insurance professionals turn on the mic and share unscripted stories about leadership, technology, marketing, success and failure—stories that helped make them the professionals they are today. From Main Street USA to the pages of Independent Agent magazine—we’ve got the stories you want to hear. For more, catch Agency Nation Radio on your favorite streaming platform or visit iamagazine.com/podcasts.

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

Here are a few the Insurors is currently highlighting.

AN Radio: Advocacy, Community and Making a Difference With Brock Elliott • Episode 479 , June 12, 2025

Throughout his career, Elliott has played a pivotal role in the Big “I” community at both the state and national levels—from chairing the Young Agents of Kansas (YAK) and the national Young Agents Committee (YAC) to championing political advocacy in his current role as chair of the state government affairs committee.

AN Radio: What Agents Need to Know About Rising E&O Claims • Episode 478 • May 29, 2025

With the hard market, remote work dynamics, and evolving client expectations converging, the errors & omissions risk landscape is shifting fast. But what does this mean for your agency—and how can you protect yourself?

AN Radio: Switching from Hospitality to Insurance with Jorge Wetenkamp • Episode 476 • May 14, 2025

On this episode of Agency Nation Radio, we meet Jorge Wetenkamp, agency owner of Desert Crest Insurance in Saint George, Utah. Wetenkamp’s career in insurance was unexpected. After working at In-N-Out Burger and at the DMV,

he took a job with AAA Insurance when they started offering DMV services. This opened his eyes to the opportunities for career growth and serving the Hispanic community.

Scaling Smart: Acquisition Best Practices for Independent Insurance Agencies • Episode 476 • April 30, 2025

On this episode of Agency Nation Radio, Peter van Aartrijk, executive vice president with insurance branding firm Aartrijk, hosts a discussion on best practices when making an agency acquisition—whether it’s your first purchase or just your most recent acquisition.

AN Radio: Powering Growth and Pushing for Change with Michelle O’Connor • Episode 475 • April 9, 2025

On this episode of Agency Nation Radio, we meet Michelle O’Connor, president of O’Connor Insurance Associates in Charlotte, North Carolina. When O’Connor and her husband started their insurance agency 25 years ago, they knew from the very beginning that joining the Independent Insurance Agents of North Carolina (IIANC) was a must.

In Good Company: Women Creating Opportunities for Independent Insurance Agents • Episode 474 • March 26

On this episode of Agency Nation Radio, hear how two Big “I” state associations are highlighting opportunities for women in insurance. We chat with Denise Johnson, president and CEO of Big I Oklahoma, and Jill Epstein, CEO of Independent Insurance Agents & Brokers of California (IIABCal), about their achievements as women in the independent insurance agency channel and how they’re shaping the industry by offering more women-led events and highlighting opportunities for women in insurance. u

Workers’ Compensation Insuran C e

For tH ose W H o Build o ur Communities

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

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

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

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