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THE TENNESSEE

INSUROR

INSUREFEST 2026 Nashville, TN

Third Quarter 2026 Vol. 38 | No. 3

Welcome to Insurefest 2026

Meet Your Convention Speakers

Professional Education in the Age of AI

ONE SIZE FITS ONE.

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

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INSUROR

Phone 615.385.1898 Toll Free: 1.800.264.1898 Email: marketing@bigitn.org Editor: Kristen Gulson Publisher: MarketWise, Inc

BIG I TENNESSEE OFFICERS

President ..............................................Battle Bagley, III, CIC, CPA IIABA National Director ........................John McInturff III, ARM VP Region III & President-Elect ............................Kevin Ownby VP Region I .................................................................Portis Tanner VP Region II ....................................................................Paul Steele Treasurer ......................................................Richard Whitley, CIC Secretary ................................................................Brandon Clarke Director, Region I ............................................Andrew Maddox Director, Region I .................................................Nikki Reeder Director, Region I ..........................................Sam Bradshaw, IV Director, Region II ................................. Matt Felgendreher, CIC Director, Region II .................................................... Jack Thoma Director, Region II .................................................... Brent Chance Director, Region III ...................................................Mitch Rader Director, Region III ....................................................David Clark Director, Region III ..................................................Stuart Oakes Director, Young Agents ...................................Jonathan Peters Immediate Past President ........................................Bobby Sain

ADVERTISING

Welcome to Insurefest 2026

Big I Tennessee 133rd Annual Convention Update

Thank You Sponsors!

Meet Your 2026 Convention Speakers

A Little History of The Cannery Hall

Professional Education in the Age of AI: Why Big I TN’s Learning Platform is Essential to the Future of Independent Agencies

The 2026 Super El Niño: Anticipated Impacts on Upcoming Fall/Winter Weather Patterns in the Tennessee Valley and Beyond

How Crash Avoidance Tech Simultaneously Raises and Slashes Repair Costs

Display advertising rates, deadlines and specifications may be obtained by writing to Big I Tennessee, 2500 21st Avenue South, Suite 200, Nashville, TN 37212, phone 615.385.1898, e-mail marketing@bigitn.org or at www.bigitn.org.

departments 23

From Your President Welcome to Insurefest 2026

The Tennessee Insuror is provided to all Big I Tennessee members and associate members as a member service.

From Your Executive Director Moving Forward - Key Events and More

Tennessee Young Agents '26 Young Agent Spotlight - Mac Hill • Vice-President of Sales, McDaniel Whitley, Inc.

Partners for Tennessee - Thank you for your support!

Government & Legal Update State Advocacy Update: Primaries Set the November Ballot

2500 21st Avenue South, Suite 200 Nashville, TN 37212-0539 www.bigitn.org

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Association News

Your Big I Keeping a Human in the Loop Remains Crucial to Insurance Buyers as They Accept AI Tools

Company Briefs

Education Calendar

Meetings - Mark Your Calendars

Directory of Advertisers

What's New on Agency Nation Radio? 3

Welcome to In Its convention time in Nashville for Big I Tennessee. Welcome to Insurefest 2026! Insurfest is a time for Big I Tennessee members to connect, learn, and socialize with fellow Association member. We gather as independent insurance agents, industry leaders, carriers, and partners from across the state for three powerpacked days. Insurefest blends valuable professional development with Southern hospitality and entertainment. We invite you to enjoy: • Expert-led education and CE opportunities • A dynamic trade show of top industry partners • Exclusive networking receptions and events • Engaging keynote speakers Whether you’re a longtime Association member or a first-time attendee, Insurefest is your opportunity to connect with peers, grow your business, and be part of something bigger. Get ready for the exciting days ahead! Schedule - Central Time Zone - Details are subject to change TUESDAY, October 13 5:00 PM - 7:00 PM

Welcome Reception -Early badge pickup | STOMPIN' GROUNDS AT JW MARRIOTT

WEDNESDAY, October 14 MORNING AND TRADE SHOW 8:00 AM - 3:00 PM Attendee & Exhibitor Check-in Hub Open | GRIFFIN PRE-FUNCTION 8:30 AM - 9:30 AM Breakfast | SYMPHONY A-D 8:00 AM - 9:30 AM Big I Tennessee's Board of Directors Meeting (Open to the public) | BRISTOL 9:30 AM - 9:45 AM 4

Stretch & Refresh The Tennessee Insuror

nsurefest 2026 9:45 AM - 11:45 AM Big I Tennessee's 133rd Annual Meeting, Installation & Keynote | SYMPHONY A-D Keynote speaker: Juan Bendana 9:30 AM - 11:45 AM Exhibitor Move-In | GRIFFIN BALLROOM 11:45 AM - 12:00 PM Stretch & Refresh 12:00 PM - 1:00 PM Lunch | SYMPHONY A-D 1:00 PM - 4:00 PM

Big I Tennessee's 133rd Annual Tradeshow | GRIFFIN BALLROOM

4:00 PM - 5:00 PM Exhibitor Move-Out | GRIFFIN BALLROOM 4:00 PM - 6:00 PM

Refresh for Awards Dinner

AWARDS NIGHT AT CANNERY HALL 6:00 PM - 6:30 PM

Travel to Cannery Hall | 1 CANNERY ROW 7 min walk (.3 mi) - 1 min drive, parking available

6:30 PM - 7:30 PM

Claims to Fame: Back to the '80s Awards Dinner | CANNERY HALL

7:30 PM - 8:00 PM

Networking Reception | CANNERY HALL Signature cocktail: "Pour Some Coverage on Me"

8:00 PM - 9:00 PM Awards Presentation & Best Dressed Awards | CANNERY HALL 9:00 PM - 9:30 PM Dessert & Networking | CANNERY HALL 9:30 PM - 11:00 PM Late Night Singo Social | CANNERY HALL 11:00 PM - 11:30 PM Travel Back to JW Marriott | 201 8th Ave S 7 min walk (.3 mi) - 1 min drive

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October 14–16 JW Marriott Nashville THURSDAY, October 15 MORNING AND NETWORKING LUNCH 7:30 AM - 12:00 PM Attendee & Exhibitor Check-in Hub Open | GRIFFIN PRE-FUNCTION 8:00 AM - 9:15 AM Breakfast & Big I Updates | GRIFFIN BALLROOM Presented by Big I Executive Committee Member Angela Ripley 9:15 AM - 9:30 AM

AM Stretch & Refresh

9:30 AM - 10:30 AM Title Coming Soon | GRIFFIN BALLROOM Presented by Greg Hamilton, Americo Life, Economist 10:30 AM - 10:45 AM Stretch & Refresh 10:45 AM - 12:00 PM AI-Focused Panel Discussion | GRIFFIN BALLROOM Angela Ford, Jason Wall & Brandon Clarke | Moderator: Nikki Reeder 12:00 PM - 12:15 PM Stretch & Refresh for Lunch 12:15 PM - 1:15 PM Networking Lunch | SYMPHONY A-D 1:00 PM - 1:15 PM

Stretch & Refresh

AFTERNOON EXPERIENCES 12:45 PM - 3:30 PM Martin & Zerfoss's Rhythm & Risk | CATEGORY 10 | 120 2ND AVE N | 15 MIN WALK / 5 MIN DRIVE Part I: Agency Trends with Chubb | Part II: Singer-Songwriter Session featuring Stephen Loran Ticket required and Part I attendance required for Part II 1:15 PM - 2:15 PM

The Gathering Cybersecurity Storm| GRIFFIN BALLROOM Why Agents & Small Businesses Are Not Ready and What to Do About It | Presented by Thomas Wetzel

2:15 PM - 2:45 PM

Stretch & Refresh

2:45 PM - 4:15 PM

Young Agents Connect Social & Insurefest Closing Remarks| GRIFFIN BALLROOM Meet industry-leading partners, explore innovative solutions, and build relationships that help your agency succeed.

4:15 PM -5:15 PM

Refresh & Reset for Company Night

5:15 PM - Until

Company Night | OFFSITE

FRIDAY, October 16 END OF INSURFEST 2026 / CHECK OUT AND TRAVEL DAY 7:30 AM - 8:30 AM

Grab & Go Breakfast Bar | SYMPHONY A-D

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Thank You Sponsors! Diamond 

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Silver Bronze ACUITY INSURANCE • AF GROUP • AMERICAN EUROPEAN INSURANCE COMPANY • AMTRUST • BUILDERS INSURANCE GROUP CENTRAL INSURANCE COMPANIES • CINCINNATI INSURANCE • EMC INSURANCE • ENCOVA INSURANCE • ENTERPRISE • FFVA MUTUAL FRANKENMUTH INSURANCE • FRONTLINE INSURANCE • GRANGE INSURANCE • HARFORD MUTUAL • KEYSTONE INSURERS GROUP • MARTIN & ZERFOSS RT SPECIALTY • SAFEWAY INSURANCE COMPANY • STONETRUST WORKERS' COMPENSATION • THE SERVICE INSURANCE COMPANY SUMMIT • WEST BEND INSURANCE COMPANY • WESTFIELD INSURANCE

Event Sponsors

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Meet Your 2026 Convention Speakers Keynote Speaker - Juan Bendana Juan Bendana is a dynamic leadership expert and best-selling author who helps organizations thrive through change. Trusted by Fortune 100 leaders and global brands like Disney and American Express, he equips teams with science-backed tools to build confidence, drive performance, and lead boldly in an era of constant disruption. Mr. Bendana is a world-renowned leadership and confidence expert, best-selling author, and trusted advisor to Fortune 100 executives, Olympians, and Grammy Award-winning artists. Known for his high-energy delivery and science-backed insights, Juan empowers leaders and teams to thrive through uncertainty, build unshakable confidence, and perform at their best when it matters most. As the author of Confident By Choice (Penguin Random House) and creator of the ground breaking Confidence Cycle™ framework, Juan Bendana has spent over a decade researching more than 250,000 leaders to uncover what drives extraordinary performance. His actionable strategies have been featured in Harvard Business Review and Rolling Stone

and have helped global brands such as Disney, American Express, Sony Pictures, and Fidelity create cultures of confidence, resilience, and growth. Juan delivers a keynote experience that inspires transformation and delivers tangible results. Combining humor, energy, and practical tools, Juan equips your mindset and habits to lead with confidence in the face of rapid change. Get ready for an unforgettable experience that ignites courage, boosts engagement, and empowers every attendee to lead boldly and unlock their full potential.

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Thursday Breakfast with IIABA Chair Angela Ripley (CIC, CRM, AIS, LUTCF) Big “I” Chair Angela Ripley is owner and president of VW Brown Insurance Service in Columbia, Maryland. She was installed as Big “I” chair at the Big “I” Fall Leadership Conference in September 2025. Bringing more than 25 years of experience as an independent insurance agent, Ripley has held numerous positions at the national level for the Big “I,” including Big “I” Government Affairs Committee chair and Board of Directors member. She has also served as Maryland state InsurPac chair from 20112020 and was chair of Big I Maryland in 2014. She has served on several agency advisory boards and was appointed by President Barack Obama to serve on the National Association of Registered Agents & Brokers (NARAB) Board. Additionally, she served a three-year term on the Federal Reserve Board’s Insurance Policy Advisory Committee (IPAC), the 21-member committee to provide information, advice and recommendations to the Federal Reserve Board on domestic and international insurance issues.

Ripley joined VW Brown in 2000 after working with Erie Insurance Group. She received her Bachelor of Science in business administration with a concentration in marketing and advertising from Frostburg State University. She resides in Maryland with her husband Graydon and their two daughters.

Thursday General Session speaker Gregory A. Hamilton, CFA Greg serves as Senior Vice President and Chief Investment Officer at Americo Life, Inc. In his role, he oversees the day-today management of the company’s $8bn investment portfolio, ensuring that the portfolio is managed in a prudent and sound manner. Mr. Hamilton is a Chartered Financial Analyst and a graduate of Washburn University in Topeka, Kansas with a Bachelor’s degree in accounting. Mr. Hamilton has been involved in portfolio management and investments for over 40 years, managing portfolios for high net-worth individuals, pension funds, financial institutions, mutual funds, and insurance companies. Mr. Hamilton was born in Lubbock, Texas, and is an avid horse enthusiast. u

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Move faster. Go further. Commited to smart, purposeful growth. This is just the start of what promises to be a dynamic year in 2025 – our first year as an independent specialty broker.

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A Little History of The Cannery Hall - Our Venue for Awards Night AWARDS NIGHT AT CANNERY HALL 6:00 PM - 11:30 PM Travel to Cannery Hall | 1 CANNERY ROW | 7 min walk (.3 mi) - 1 min drive

Cannery Hall is in the historic Cannery Row District, which has been a bedrock of Nashville’s music scene for over 40 years. Cannery Hall’s building was originally built as a flour mill for Liberty Self-Rising Flour in 1883. Back in the 1930s, the building was home to the Fletcher Coffee Company who milled coffee there. In the 1950s, Dale Foods Company began processing their jams, jellies, mustards, and peanut butter there until the mid-1970s. Them, in 1981, The Cannery began its life as a music venue when the Dale family converted the building into an 18,000 square foot country style restaurant with a stage. In the early 80s, the Dale family let promoters' book live bands in the space at night. By day, the club served as a stage for artists like Reba McEntire, George Strait, Patty Loveless and Tammy

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Wynette. At night, it was the place to catch some of the hottest rock and alternative touring acts. In 1984, The Nashville Network’s “New Country” concert series was filmed at The Cannery regularly. In the 1990s, The Cannery started a new chapter when Eddie Warner bought the building which eventually passed to his sons. They worked with local entrepreneurs which led to the opening of Mercy Lounge, Cannery Ballroom and The High Watt. In its more than 40 years as a music venue, the historic stages have helped support careers of some of the biggest names in music across many genres. u

Select and Enjoy the Perfect Thursday Afternoon Experience AFTERNOON EXPERIENCES 12:45 PM - 3:30 PM Martin & Zerfoss's Rhythm & Risk | CATEGORY 10 | 120 2ND AVE N | 15 MIN WALK / 5 MIN DRIVE Part I: Agency Trends with Chubb | Part II: Singer-Songwriter Session featuring Stephen Loran Ticket required and Part I attendance required for Part II 1:15 PM - 2:15 PM

The Gathering Cybersecurity Storm| GRIFFIN BALLROOM Why Agents & Small Businesses Are Not Ready and What to Do About It | Presented by Thomas Wetzel

2:15 PM - 2:45 PM

Stretch & Refresh

2:45 PM - 4:15 PM

Young Agents Connect Social & Insurefest Closing Remarks | GRIFFIN BALLROOM Meet industry-leading partners, explore innovative solutions, and build relationships that help your agency succeed.

At the end of your chosen Afternoon Experience, please reconvene at the Young Agents Connect Social in the Griffin Ballroom. We will officially adjourn Insurfest 2026 with closing remarks.

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AGENTS OF

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We’re with you every step of the way Behind every Progressive agent is the support of more than 50,000 Progressive employees. It’s our mission to make sure you have the tools and resources you need to succeed. From caring field sales reps to dedicated agent service teams, we’re ready to help you grow. Plus, we supplement your counsel and guidance with aroundthe-clock claims and customer service via our mobile app and online servicing. Whether it’s sales, service, claims or anything in between, you’ve got a partner every step of the way. TO LEARN MORE Search for us online at Agents of Progressive, Progressive Connect, or Progressive Appointment.

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Welcome, Big I Tennessee Members: Catalyit Is Here Catalyit helps independent insurance agencies make smarter technology decisions. Built by seven Big "I" State Associations, Catalyit cuts through the noise and gives you clear, practical guidance on what to use and how to use it. Now, thanks to Big I Tennessee, we're giving you 100 days of full access to Catalyit, completely risk-free. You'll have full access to tools, data, and guidance designed specifically for independent agencies.

What You Get With Catalyit Agency Tech Assessment Get a clear view of your agency’s technology. Identify gaps, uncover opportunities, and receive a practical roadmap to improve your tech stack. Agency Compensation 360 See how your compensation compares. Use real-time data from agencies nationwide to benchmark pay, evaluate roles, and make confident decisions. 26+ Practical Technology Guides Step-by-step guidance on the topics that matter most, including automation, AMS, phone systems, cybersecurity, AI, and more. Solution Provider Directory Explore 370+ vetted technology providers built for independent agencies. Find the right tools faster. TechTips Quick, actionable insights to help you stay current on trends, tools, and best practices. Catalyit Live Sessions Learn directly from experts in interactive sessions. Ask questions, see demos, and get real answers. Take Advantage Today! This is your opportunity to bring clarity to your technology, make better decisions, and move your agency forward with confidence. 18

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Professional Education in the Age of AI: Why Big I Tennessee’s Learning Platform is Essential to the Future of Independent Agencies In an era defined by rapid technological change, evolving client expectations, and unprecedented competitive pressures, the role of professional education in the insurance industry has never been more vital. For independent agents across Tennessee, the Big I of Tennessee stands as a cornerstone of professional development—providing the knowledge, tools, and strategic insight necessary to thrive in a marketplace transformed by artificial intelligence, automation, and shifting consumer behavior. As the industry moves deeper into the digital age, one truth has become increasingly clear: education is not simply an added benefit of membership; it is a strategic imperative for agencies that want to remain relevant, trusted, and competitive.

But beyond the breadth of offerings, what truly distinguishes Big I Tennessee’s educational platform is its purpose: to elevate the professionalism, competence, and credibility of independent agents statewide. In a time when consumers are inundated with digital insurance options and automated quoting platforms, the association’s commitment to developing highly skilled human professionals is both timely and essential.

The Big I Tennessee Commitment to Excellence

Insurance has always been a dynamic field, but the pace of change today is unprecedented. New technologies, emerging risks, and evolving regulatory frameworks require agents to stay informed and agile. Cyber liability, climate related exposures, AI driven underwriting, parametric insurance, and complex contractual risk transfer mechanisms are now part of everyday conversations in commercial and personal lines. Without continuous education, even experienced agents risk falling behind.

The Big I of Tennessee has long been recognized for its robust educational offerings, designed to support agents at every stage of their career. From foundational licensing courses to advanced continuing education, leadership development, and specialized technical training, the association’s curriculum reflects a deep understanding of the complexities of modern insurance practice. These programs are not static. They evolve continuously to address emerging risks, regulatory changes, market trends, and technological advancements. Members benefit from a wide range of learning formats, including live classroom instruction, virtual seminars, on demand courses, certification programs, and immersive workshops. This flexibility ensures that agencies of all sizes from small family owned firms to large multi location operations can access high quality education that fits their schedules, budgets, and strategic priorities.

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Why Professional Education Matters More Than Ever 1. The Industry Is Changing Faster Than Agencies Can Naturally Adapt

Big I Tennessee’s curriculum ensures that members remain ahead of the curve, not only with technical knowledge but also with the strategic insight needed to interpret trends, anticipate client needs, and advise with confidence.

2. AI Is Transforming the Industry—but Not Replacing Human Expertise Artificial intelligence has become a powerful force in insurance. Carriers use AI to analyze risk, detect fraud, streamline claims, and accelerate underwriting. Consumers encounter AI through chatbots, automated quoting engines, and digital self service portals. These tools are efficient, fast, and increasingly accurate. Yet despite these advancements, clients consistently express a desire for human involvement when making decisions about coverage, risk, and financial protection. Insurance is not a commodity. It is a relationship business built on trust, empathy, and expertise. AI can process data, but it cannot replace the reassurance of a knowledgeable advisor who understands context, nuance, and the human consequences of risk. Professional education is what empowers agents to remain indispensable in this environment. When clients compare automated platforms to human advisors, they must see a clear difference in value. That difference is expertise—deep, current, and confidently delivered. 3. Trust Is the Currency of the Modern Insurance Agency In the age of AI, trust has become the defining competitive advantage. Clients want to know that their agent is not only personable but also highly competent. They want assurance that the person advising them understands the complexities of coverage, the implications of exclusions, and the strategies required to protect their assets. In short, professional education builds trust. When agents pursue continuing education, advanced certifications, and specialized training, they demonstrate commitment to excellence. They show clients that they take their professional responsibilities seriously. They reinforce the message that independent agents are not simply salespeople. They are in fact insurance and risk management advisors, advocates, and experts. Big I Tennessee’s educational programs are designed to cultivate this trust by equipping agents with the knowledge and confidence needed to deliver exceptional service. 4. Agencies That Invest in Education Outperform Those That Don’t Research across the insurance industry consistently shows that agencies with strong professional development cultures achieve: • Higher retention rates • Better client satisfaction • Stronger organic growth • More effective cross selling • Lower E&O exposure • Greater staff engagement and morale 20

Education is not an expense—it is an investment with measurable returns. Big I Tennessee supports this investment by offering affordable, accessible, and high impact learning opportunities that help agencies strengthen their operations, improve client outcomes, and build long term sustainability. 5. Regulatory and Market Complexity Demand Continuous Learning Insurance regulations evolve constantly, and carriers frequently update underwriting guidelines, product offerings, and appetite. Agents must stay informed to remain compliant, competitive, and effective. Big I Tennessee’s education team monitors these changes closely and integrates them into course content, ensuring that members receive timely, accurate, and actionable information. This proactive approach helps agencies avoid compliance pitfalls, reduce E&O risk, and maintain strong carrier relationships. Education as a Strategic Advantage in the AI Era Human Expertise + AI Tools = The Future of Independent Agencies The most successful agencies will not be those that resist AI, nor those that rely on it entirely. The winners will be those that combine human expertise with technological efficiency. AI can enhance an agent’s capabilities—but only if the agent understands how to interpret, validate, and apply the information AI provides. Professional education teaches agents how to: The Tennessee Insuror

technical training. Leadership development, Young Agents programs, and emerging leader workshops help cultivate the next generation of agency owners, executives, and industry influencers. These programs teach: • Strategic thinking • Ethical decision making • Communication skills • Business development • Agency operations • Relationship management In an industry facing significant generational turnover, these initiatives are essential to maintaining a strong, vibrant, and future ready workforce. Supporting Agencies of All Sizes

• • • • •

Use AI tools responsibly and effectively Understand the limitations of automated systems Identify errors or gaps in AI generated recommendations Provide human judgment where technology falls short Communicate complex concepts clearly to clients

Big I Tennessee’s educational programs increasingly incorporate content related to technology, digital tools, cybersecurity, and data ethics—ensuring that members are prepared for the future, not just the present. Clients Want a Human Who Is Smarter Than the Machine Consumers appreciate convenience, but when it comes to protecting their homes, businesses, families, and financial futures, they want a human being who can: • Explain coverage • Interpret risk • Provide reassurance • Advocate during claims • Offer personalized advice • Understand emotional and financial stakes AI cannot replicate these human qualities. Professional education ensures that agents remain the trusted advisors clients rely on—especially when automated platforms fall short or create confusion.

Small agencies often struggle to provide structured training due to limited resources. Big I Tennessee fills this gap by offering turnkey educational solutions that allow even the smallest firms to maintain high professional standards. Large agencies benefit from advanced courses, specialized certifications, and leadership programs that support complex operations and diverse teams. Regardless of size, every member agency gains access to a comprehensive educational ecosystem designed to strengthen performance and elevate professionalism. Education Strengthens the Entire Industry 1. A More Knowledgeable Workforce Means a Healthier Marketplace When agents statewide are well trained, the entire insurance ecosystem benefits. Carriers receive better submissions. Clients receive better advice. Claims processes run more smoothly. Regulatory compliance improves. E&O exposure decreases. Professionalism increases. Big I Tennessee’s educational mission is not only to support individual agencies, but also to strengthen the entire independent agency system across the state. 2. A Strong Professional Community Builds Collective Resilience Education fosters community. When agents learn together, share insights, and engage in professional development, they build relationships that strengthen the industry’s collective resilience. This sense of community is especially important in an era where digital tools can create isolation or reduce human interaction.

The Role of Big I Tennessee in Shaping the Future Workforce—Developing the Next Generation of Insurance Leaders

Big I Tennessee’s live classes, conferences, and workshops provide opportunities for collaboration, networking, and shared learning—reinforcing the association’s role as a central hub for professional growth.

The association’s commitment to education extends beyond

The conclusion of this article can be found on page 34.

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From Your President Battle Bagley, III, CIC, CPA

Welcome to Insurefest 2026 As President of the Big I of Tennessee for 2026, I am pleased to welcome members, associate members, partners, and guests to the 133rd annual conference known today as Insurefest on October 13 -16, 2026. The annual conference is the singular event that brings together members of this historic organization to conduct the business of the association, install new members of the board, and the incoming president. It is also a time to learn from subject matter experts and industry leaders about the latest trends and developments as it relates to independent agents and the insurance industry writ large in Tennessee and across the nation. Importantly, Insurefest provides members with the opportunity to renew relationships and form new ones across the industry. In a very real sense, the annual meeting each year builds the connective tissue that makes the association strong. It is a significant part of our 133-year history. Please take full advantage of all the conference offers. I look forward to seeing you in Nashville at the J.W. Marriott Hotel! Organization Initiatives for 2026 – An Update In my last article I mentioned several key initiatives your board has undertaken to improve organizational aspects of the association this year. We continue to make progress on these key projects. Kevin Ownby is heading up the effort to update the by-laws of the association and has the revisions ready to submit for approval at the annual convention. Paul Steele continues to lead the work to successfully renovate and update the Big I of Tennessee workspaces and overall building on 21st Avenue in Nashville. Portis Tanner is nearing completion of updating the member database to make it more accurate and useful to the association in service to the membership. The Tennessee Insuror

I have been working with the staff as it relates to the independent audit of the association books and the migration to an accrual basis to provide better insight into our financial posture. I am happy to report that both the audit and migration have been successfully completed. Looking Ahead to the 2026 Southern Agents Conference in Atlanta The Southern Agents Conference (SAC) is set to be held in Atlanta on December 10-12, 2026. As SAC approaches its 55th year, the event continues to strengthen its reputation as a premier forum for leadership development, strategic collaboration, and forward thinking dialogue among state association executives, agency principals, carrier partners, and emerging industry leaders. Held at The Whitley in Buckhead—one of Atlanta’s most distinguished venues—the 2026 conference will offer a dynamic blend of keynote presentations, breakout discussions, and structured networking designed to help attendees navigate the rapidly evolving insurance landscape. With the industry facing shifts in consumer expectations, technology adoption, regulatory pressures, and climate related risk, SAC’s agenda will focus on equipping members with the insight and tools needed to thrive in the years ahead. Participants can expect a robust program featuring governmental affairs briefings, leadership roundtables, and multi track discussion sessions covering topics such as association operations, workforce development, digital transformation, and carrier agent collaboration. These sessions are intentionally designed to be interactive, allowing attendees to share experiences, compare strategies, and learn from peers across the Southeast. The 2026 conference will

also continue its strong commitment to developing young professionals, offering dedicated programming and networking opportunities for rising leaders within the independent agency system. The benefits of attending SAC extend well beyond the three day event. Members return home with actionable insights, fresh perspectives, and a renewed sense of connection to the broader independent agency community. In an industry where collaboration and adaptability are essential, SAC provides a rare opportunity to step back from day to day operations and engage in strategic thinking with some of the most experienced leaders in the Southeast. As December approaches, anticipation continues to build. The 2026 Southern Agents Conference promises to be a meaningful, energizing, and forward looking experience—one that will help shape the future of the independent agency system for years to come. Register for the event at https://www.southernagents.com/. Gratitude for the Support of Partners & Convention Sponsors On a final note, I want to thank our partners for their support this year. Your contributions are instrumental in enabling us to schedule events across Tennessee to include Insurefest 2026. Partner support also powers the products and services we can deliver to members throughout the year strengthening independent agents and the insurance industry overall. I want to offer a special thank you to convention sponsors who helped make Insurefest 2026 a success! u 23

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From Your Executive Director Kristen Gulson

Moving Forward - Key Events and More I hope you all had a good Summer and found some time to take a vacation, travel, and relax. Ours is a demanding business, where clients and communities depend on us to deliver on the promise of insurance when it is needed most. It is important to remember to take care of yourself and your staff to ensure you are ready to meet the moment when that time comes whether it is a serious single claim or a disaster-related event requiring all hands-on deck. The past couple of months your Big I Tennessee staff, Board and committee members have been busy enhancing and improving the operation of your association to amplify our ability to deliver the services and products you need to be successful this year and beyond. Consistent with the work we have been doing within the Big I of Tennessee, I also had the opportunity to attend a conference that aligned with our work at the state level.

tices to ensure independent insurance agents nationwide receive robust, highvalue support from their respective organizations. Demystifying AI and Practical Technology — Addressing the rapid evolution of technology, Dale Steinke, Director of Agent for the Future Advisors with Liberty Mutual/Safeco, spearheaded a fastpaced, interactive session. Rather than focusing on theoretical capabilities, the workshop identified tangible, immediate applications of artificial intelligence that are actively driving success for agencies today. Attendees mapped out practical strategies to leverage AI tools to optimize operational efficiency, elevate client service, streamline marketing efforts, and boost overall team productivity.

The meeting highlighted three critical pillars shaping the future of the independent agency channel in America:

Aligning the Industry Voice in Advocacy — With shifting legislative environments across the country, a high-level Advocacy & Government Affairs panel brought together key leaders to align the industry’s message. The panel featured combined insights from Wesley Bissett (IIABA), Adam Shores (American Property Casualty Insurance Association - APCIA), and Phillip Arnzen (National Association of Mutual Insurance Companies - NAMIC). The discussion explored emerging regulatory trends and shared obstacles currently facing state capitals. Panelists emphasized the critical need for carriers, mutual insurers, independent agents, and trade associations to tightly coordinate their advocacy strategies, ensuring a powerful and unified front when navigating complex legislative challenges.

Strengthening State-Level Collaboration — Delegates engaged in focused discussions centered on deepening cooperation among state associations. Executives shared strategic frameworks designed to strengthen localized operations, sharing resources and best prac-

The conference was very productive and greatly assisted Big I state executives from across the country to build the relationships and cooperative momentum to leverage the collective knowledge and experience of the group to the direct benefit of all state Big I associations.

State association executives and insurance leaders from across the country converged at the Grand Hyatt Deer Valley in Park City, Utah from July 26–29, 2026, for the Independent Agent Association Executives (IAAE) Annual Meeting. Co-hosted alongside leadership from the Independent Insurance Agents & Brokers of America (IIABA), the fourday conference focused on strategic collaboration, technological evolution, and unified legislative advocacy.

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Robert E. Musto Insurance Hall of Fame Induction Ceremony The Big I of Tennessee has been a longterm supporter of the Robert E. Musto Insurance Hall of Fame at Middle Tennessee State University in Murfreesboro. As you may recall in an article in the last edition of the Tennessee Insuror magazine, the awards ceremony is set for October 1, 2026, at the Smyrna Event Center, 100 Sam Ridley Parkway East, Smyrna, Tennessee, where the Class of 2026 will be inducted into the Hall of Fame including: Kevin Doherty Marcus Henderson Bobby Queener R. Larry Smith Stuart Worden This special celebration will honor the newest inductees while recognizing the outstanding legacy of insurance professionals who have been inducted into the Hall of Fame since its founding in 1999. If you have not yet made your reservation to attend, please do so at your first opportunity via the link provided at TN Insurance Hall of Fame. As you have already seen at the beginning of this issue of the Tennessee Insuror, we have an exceptional conference planned at Insurefest 2026 This conference marks the historic 133rd annual meeting of members of our industry who have propelled the success of independent insurance agencies and insurance industry in Tennessee forward through successive generations. If you have not yet registered for the event, please visit www.bigitn.org/annual-convention/ to complete your registration. We are looking forward to seeing you at Insurefest 2026 very soon! u 25

Tennessee Young Agents '26 Young Agent Spotlight Mac Hill • Vice-President of Sales, McDaniel Whitley, Inc. In the Memphis metropolitan business community, few young professionals have built a reputation as quickly and as solidly as Mac Hill, CIC, CBIA, Vice President of Sales at McDaniel Whitley, Inc. His combination of academic preparation, hands on industry experience, and personal drive has positioned him as a rising leader in the commercial insurance and surety marketplace. Hill’s career reflects both discipline and adaptability—traits shaped by his educational journey, early professional roles, and the dynamic environment of one of Memphis’s most respected independent agencies. Educational Background Mac’s academic foundation was built at The University of Memphis, where he earned his bachelor’s degree in accounting in 2018. His studies extended beyond accounting, including coursework in marketing and finance, which broadened his understanding of business operations and strategic decision making. Before transitioning into business studies, Mac began his college career as an Exercise Science major while playing football for the University of Memphis, an experience that helped shape his work ethic, teamwork skills, and competitive mindset. His eventual shift to business reflected a desire for broader career opportunities and long term professional growth. Early Work Experience Mac’s first professional role was with Carlisle Corporation, where he worked initially as an intern and later as a full time accountant. During his tenure, he gained exposure to journal entries, bank reconciliations, general accounting functions, fixed asset management and project related accounting tasks. This early experience provided Mac with strong operational and financial foundation skills that would later prove invaluable in the insurance and surety industry, where risk evaluation, financial analysis, and attention to detail are essential. Career at McDaniel Whitley, Inc. Mac joined McDaniel Whitley, Inc. in June 2019 as a Commercial Lines Account Executive, beginning what would become a rapid ascent within the agency. Over the next five years, 26

he developed expertise in commercial insurance placement, client service, and risk management for a diverse portfolio of businesses. In September 2024, Hill was promoted to Vice President of Sales, reflecting both his performance and his growing leadership role within the firm. About McDaniel Whitley, Inc. Founded in Memphis, McDaniel Whitley, Inc. is a specialized independent insurance agency known for its deep expertise in surety bonds and commercial insurance. The agency focuses heavily on: • General contractors • Trade contractors • High hazard construction • Heavy/civil construction In addition to construction related risks, McDaniel Whitley provides insurance and risk management solutions for: • Manufacturers and fabricators • Distributors • Professional service firms • Restaurants • Retail businesses The agency’s team is experienced in liability, property, automobile, and workers’ compensation coverage, making it a first choice provider for businesses seeking specialized commercial insurance and surety expertise. Working within this environment has allowed Mac to develop a nuanced understanding of complex commercial risks, bonding requirements, and industry specific exposures. His accounting background enhances his ability to evaluate financial statements, bonding capacity, and underwriting criteria all skills that are particularly valuable in the construction and manufacturing sectors. Professional Strengths and Approach Hill’s professional profile is marked by determination, energy, and a strong commitment to client service. In his own words, he described himself as, “Young, determined, and eager to start my career in the business world,” a mindset that has carried through his progression at McDaniel Whitley. His blend The Tennessee Insuror

YA of technical knowledge and interpersonal skills has helped him build strong relationships with contractors, business owners, and industry partners. As Vice President of Sales, Mac plays a key role in business development, client retention, and strategic growth initiatives for the agency. Beyond Work Outside of his professional life, Hill is known for his active lifestyle and love of sports. He notes that when he is not working, he enjoys spending time with his family, friends, working out, and playing sports, reflecting a lifelong passion for physical activity and outdoor recreation. His athletic background— rooted in his time playing football at the University of Memphis—continues to influence his personal interests and daily routines. Mac describes himself as “a very active person” who enjoys being outdoors and staying physically engaged. Perhaps most importantly, Mac enjoys spending time with his wife Kylie and their two-year-old son. Kylie is a stay-at-home mom who is very focused on making sure their son gets a good start in life in his formative years. She also manages the household and helps support Mac in his career. When the weather permits, Mac and Kylie like playing with their son outside in the fresh air and sunshine. Community and Personal Engagement Mac and Kylie are members of Hope Presbyterian Church located in Cordova, TN. The church is an important part of their life and is instrumental in their faith journey. The church provides their family with spiritual support and activities that truly enriches their lives. A Rising Leader in Memphis’s Insurance Community Taken together, Mac’s educational background, early accounting experience, and rapid advancement at McDaniel Whitley paint a picture of a young professional with both ambition and substance. His work in commercial insurance and surety bonding places him at the center of Memphis’s construction and business development ecosystem, where his analytical skills and client focused approach are highly valued. From an industry perspective, Mac is an important part of the Big I of Tennessee where he serves on the Young Agents Committee as the group’s Membership Director. The Young Agents of Tennessee provides the future leaders of the association and the industry in Tennessee with valuable education and experience that can propel their careers forward. As Mac continues to grow within McDaniel Whitley, he is well positioned to play an increasingly influential role in shaping the agency’s future and supporting the businesses that drive economic growth across the region. u The Tennessee Insuror

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Government & Legal Update State Advocacy Update: Primaries Set the November Ballot In a state as reliably Republican as Tennessee, the August primary often does more to decide who governs than the general election that follows. That was especially true this year. With an open governor’s race, a newly redrawn congressional map, and a handful of contested legislative seats, the August 6 primary settled most of the questions that will shape the 115th General Assembly and Tennessee’s congressional delegation. Below is a look at the results and what remains on the November 3 ballot. Governor U.S. Sen. Marsha Blackburn won the Republican nomination for governor, taking 43.6% of the vote to 32.9% for U.S. Rep. John Rose and 23.5% for state Rep. Monty Fritts. On the Democratic side, Memphis City Councilmember Jerri Green won a crowded six-way primary. Blackburn and Green will meet in November to succeed term-limited Gov. Bill Lee, and because both nominees are women, Tennessee is guaranteed to elect its first female governor. Worth noting: both Rose and Fritts gave up their current office to make the run, opening a congressional seat and a state House seat in the process. U.S. Senate Sen. Bill Hagerty was unopposed for the Republican nomination and will seek a second term. Democrats nominated Marquita Bradshaw, a Memphis environmental advocate who carried roughly 55% of the primary vote, in a rematch of their 2020 race—which Hagerty won with just over 62% of the vote. National handicappers, including the Cook Political Report and Inside Elections, rate the seat Solid Republican. Tennessee’s other Senate seat could change hands as well, though not on this fall’s ballot. Sen. Marsha Blackburn was reelected to that seat in 2024, but if she wins the governor’s race in November—an outcome most observers consider a near certainty—she would give it up, and under state law the sitting governor appoints a replacement to serve until a 2028 special election. Exactly who will make that appointment is unsettled (and the subject of much commentary). The next governor is inaugurated January 17, 2027, so if Blackburn resigns her Senate seat before then, outgoing Gov. Bill Lee could make the pick; if she remains in the Senate until right before (or arguably after) she is sworn in as governor, she has said she would make it herself. Blackburn has told reporters she intends to keep her seat until her inauguration so that she, not Lee, makes the choice; Lee has declined to weigh in. The Tennessee Insuror

Congress and the New Map The biggest story on the federal side is the congressional map itself. Tennessee redrew its U.S. House districts this year following a U.S. Supreme Court decision addressing the drawing of majority-minority districts, and the practical effect is that all nine districts now carry a Republican lean. Two of the reshaped seats are worth a closer look. The most dramatic change is the 9th District, anchored in Memphis, which the Cook Political Report now rates R+9—a striking swing from the roughly D+22 Democratic seat it had long been. Longtime Rep. Steve Cohen did not seek reelection under the new lines. The primary there set up a matchup between state Sen. Brent Taylor, who won the Republican nomination and was endorsed by President Trump, and state Rep. Justin Pearson, the Democratic nominee. The other reshaped seat drawing heavy attention is the 5th District, which the Cook Political Report rates R+10 (Likely Republican). There, incumbent Rep. Andy Ogles lost the Republican primary to former state Agriculture Commissioner Charlie Hatcher; Ogles had been endorsed by President Trump, who shifted his endorsement to Hatcher after the primary. The Democratic nominee in the 5th is Columbia Mayor Chaz Molder—son-in-law of former state Rep. Craig Fitzhugh of Ripley, who chaired the House Finance, Ways and Means Committee for years. In the open 6th District, vacated by Rose, state Rep. Johnny Garrett won the Republican nomination over former U.S. Rep. Van Hilleary and will face Democrat Mike Croley. Elsewhere, Reps. Scott DesJarlais (4th) and Matt Van Epps (7th) advanced toward November in districts rated safely Republican. State Legislature The state Senate saw little turnover: every incumbent seeking reelection was renominated. The one expected new face is former state Rep. Jimmy Matlock, who won the Republican nomination for the District 5 seat from which current Lt. Gov. Randy McNally is retiring. The Senate will elect a new speaker/lieutenant governor when the 115th General Assembly convenes in January 2027. The state House saw more movement, with several openseat contests and three incumbents defeated in their prima31

Government & Legal Update ries. Among them was Rep. John Crawford, a sitting House committee chairman, who lost to Jessica Means. Also defeated was Rep. Dennis Powers of LaFollette, a career insurance agent who spent more than three decades with Nationwide and Allstate; he lost the District 36 Republican primary to 26-year-old Noah Smith, who—with no general-election opponent—is set to become the youngest member of the General Assembly. A Note on Turnout Turnout ran ahead of the last comparable cycle. By the Secretary of State’s count, early voting was up more than 40% over the same point in the 2022 primary, with the state’s urban counties seeing larger increases than rural ones. In the opening days of early voting, Democratic ballots outnumbered Republican ballots in a handful of counties, including Shelby and Davidson. Those figures come with caveats—the 2022 primary featured an unopposed Republican governor, which held down turnout that year, and a contested, open-seat governor’s race tends to draw voters regardless of party. Whether the higher participation reflects the new district lines, the competitive top of the ticket, or simply broader interest is a question worth watching into November rather than one to answer now.

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Looking Ahead to November With the primaries behind us, the statewide matchups are set: Blackburn versus Green for governor, and Hagerty versus Bradshaw for Senate. Given Tennessee’s partisan lean and the reshaped congressional map, relatively few general-election contests are rated competitive, and Republicans are widely expected to retain their legislative supermajorities. Even so, an open governor’s office and a number of new legislators mean meaningful change is coming to Nashville. Big I Tennessee will stay engaged with candidates across the state through the fall and will be ready to work with the new administration and the 115th General Assembly when they take office in January. InsurPAC TN: Keeping Our Seat at the Table With a new governor, a new lieutenant governor, and a wave of new legislators headed to Nashville, the relationships we build now matter more than ever—and that is where InsurPAC TN comes in. Our state political action committee is not just about contributions. It is about maintaining a seat at the table, educating candidates about how the independent agency system works, and supporting policymakers who understand the issues facing our industry and the Tennessee consumers we serve. As the general election approaches and a new administration and General Assembly take shape, every contribution—large or small—helps ensure independent agents have a voice in the rooms where policy is made. Please consider supporting InsurPAC TN today; visit https:// www.bigitn.org/insurpactn/ to contribute or learn more. Together, we protect the profession, the clients we serve, and the future of independent insurance in Tennessee. Congratulations to One of Our Own Finally, a word of appreciation and congratulations to Rep. Ron Travis of Dayton, who is retiring from the Tennessee House of Representatives after this term. A former CEO of Big I Tennessee, Ron has been a steady friend and advocate for the independent agency system throughout his years of public service — including his work this session to establish clear insurance rules for delivery-network drivers. In August, the voters of Rhea County elected him their next county executive, the county's top elected office. We could not be prouder to see one of our own step into that role, and we wish Ron continued success as he begins this next chapter of service to his community. 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 The Tennessee Insuror

V I R T U A L U N I V E R S I T Y.

RESEARCH LIBRARY.

ELEVATE YOUR INSURANCE EXPERTISE WITH THE BIG “I” VIRTUAL UNIVERSITY! Tap into the collective knowledge of insurance experts on the Big "I" Virtual University. Find analysis on thousands of insurance scenarios to help you grow your understanding of complex topics, better serve your clients and communicate eﬀectively. Broaden your insurance knowledge to reduce possible risks. When you or your team have technical insurance questions, we can help.

Discover comprehensive information on a wide range of insurance topics, including agency management, commercial and personal lines, certiﬁcates of insurance, life & health, checklists, and more. Virtual University curates the experience and expertise of the industry’s leaders into detailed and searchable content to help you quickly navigate the world of insurance. This content is free to Big “I” member agencies and staﬀ.

ASK AN EXPERT. When you or your staff have tough coverage questions or face a claim denial that just doesn’t make sense, turn to us! Our team of over 50 insurance experts is ready to assist with complex insurance inquiries. Get the guidance you need from professionals who understand the industry inside and out. Ask a question and get answers from a team curated specifically for your situation! Responses from our team usually take five business days.

CRITICAL INSURANCE ISSUES. Each day our industry is faced with new challenges that will aﬀect the long-term success of independent agencies. The Big "I" VU regularly produces important content to keep you informed on market conditions, coverage changes, regulations and more.

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Continued from page 21— Conclusion: Education Is the Foundation of Trust, Excellence, and Future Success In the age of AI, the insurance industry faces both extraordinary opportunities and significant challenges. Technology will continue to reshape the marketplace, but it will never replace the need for human expertise, judgment, and empathy. Clients want a trusted advisor who understands their needs, interprets risk, and provides guidance with clarity and confidence. Professional education is what makes that possible. The Big I of Tennessee stands at the forefront of this mission, offering a comprehensive, forward thinking educational platform that empowers agents to excel in a rapidly changing world. By investing in continuous learning, agencies strengthen their operations, enhance client trust, reduce risk, and position themselves for long term success.

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Education is not optional. It is essential. It is strategic. And it is the foundation upon which the future of the independent agency system will be built. Big I Tennessee’s commitment to professional development ensures that its members remain not only relevant—but indispensable—in the age of AI, automation, and digital transformation. Through education, the association preserves the human element that clients value most: expertise, integrity, and trusted guidance. See the education exhibits in this magazine, visit the Big I Tennessee website at www.bigitn.org and select the education tab, or contact Big I of Tennessee’s Nick Field, Education Program Manager at nicholas@bigitn.org to learn more about the wealth of educational resources available to you, your agency or your company. Prepare now for the future, meet this moment in the rapid evolution of our business, and propel your success forward! u

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Association News Swallows Insurance Celebrates 70 Years in Business Swallows Insurance Agency marks an extraordinary milestone this year as it celebrates its 70th anniversary—a testament to enduring leadership, community commitment, and the strength of Tennessee’s independent agency tradition. What began as a small, service driven operation founded by Mike Swallows has grown into one of the state’s most respected agencies, known for its integrity, expertise, and unwavering dedication to clients. Mike Swallows built the agency on a simple but powerful philosophy: treat people right, work hard, and always put the customer first. His approach resonated across generations of policyholders and helped establish a reputation for reliability that set the agency apart. Over the decades, Swallows Insurance Agency became a trusted partner for families, businesses, and community organizations throughout Tennessee. Today, that legacy continues under the leadership of Matt Swallows, the agency’s President, who has carried forward his

father’s vision while guiding the organization into a modern era of innovation and expanded service. Matt’s commitment to professional excellence, strong carrier relationships, and community engagement has strengthened the agency’s position as a leader in the independent insurance market. Under his direction, Swallows Insurance Agency has embraced new technologies, broadened its product offerings, and continued to invest in the long term success of its clients. Reaching 70 years is more than an anniversary—it is a celebration of the people who built, sustained, and advanced the agency across generations. It reflects the dedication of its team, the loyalty of its customers, and the leadership of both Mike and Matt Swallows, whose shared values remain the foundation of the agency’s success. The Big I of Tennessee proudly recognizes Swallows Insurance Agency for seven decades of service, leadership, and commitment to the independent agency system. Here’s to honoring the past and looking ahead to a bright future. u

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The 2026 Super El Niño: Anticipated Impacts on Upcoming Fall and Winter Weather Patterns in the Tennessee Valley and Beyond The latter half of 2026 marks the emergence of one of the most powerful El Niño events ever recorded—an event NOAA, the Climate Prediction Center (CPC), and the World Meteorological Organization (WMO) describe as “very strong,” “historic,” and “exceptionally intense.” Sea surface temperature anomalies in the eastern and central equatorial Pacific have surged past +3°C, with forecasts showing a greater than 90% likelihood that El Niño will continue strengthening through Fall 2026 and persist into Winter 2026– 2027. This level of warming places the current El Niño firmly in “super” or “historic” territory, with potential to reshape atmospheric circulation patterns across the globe. For the United States— and especially the Tennessee Valley Region—this Super El Niño is expected to influence temperature, precipitation, storm tracks, and the frequency of extreme weather events. Understanding these impacts is essential not only for meteorologists and emergency managers but also for professional independent insurance agencies tasked with helping clients navigate an increasingly volatile climate environment. As weather extremes intensify, insurance counseling, coverage adequacy, and winter storm preparedness become indispensable components of household and business resilience. Understanding the 2026 Super El Niño El Niño is defined by sustained warming of sea surface temperatures in the equatorial Pacific, accompanied by a breakdown of the Walker Circulation—a major atmospheric flow pattern. NOAA confirmed in June 2026 that El Niño had formed and was expected to intensify significantly, with a 63% chance of sea surface temperatures exceeding +2.0°C in the Niño monitoring regions. By September 2026, CPC reported that anomalies had surpassed +3.0°C in the eastern Pacific, with Niño 1+2 reaching +3.4°C—an extraordinary level of warming. The Weather Channel’s September 2026 analysis further emphasized that this El Niño has a 75% chance of becoming historic, exceeding the strength of all events since 1950. The WMO echoed this assessment, noting near 100% likelihood The Tennessee Insuror

that El Niño will persist through February 2027 and continue strengthening into a very strong event. This convergence of scientific consensus underscores the seriousness of the 2026 Super El Niño and its potential to reshape seasonal weather patterns across North America. Projected U.S. Weather Impacts for Fall 2026 1. Shifted Jet Stream and Storm Track During strong El Niño events, the Pacific jet stream typically shifts southward, steering more frequent and moisture laden storm systems across the southern tier of the United States. NOAA notes that El Niño’s strongest impacts occur during winter, but the pattern begins influencing weather in the fall. For Fall 2026, this means: • Increased rainfall across the Gulf Coast, Southeast, and Tennessee Valley • Enhanced storminess and more frequent frontal passages • Greater risk of flooding in vulnerable river basins • Suppressed hurricane activity in parts of the Atlantic due to increased wind shear The Weather Channel reports that the 2026 hurricane season has already shown signs of El Niño related suppression in the Atlantic, with stronger wind shear and sinking air inhibiting storm formation. This trend is expected to continue into late fall. 2. Temperature Patterns El Niño autumns often bring warmer than average temperatures to the northern U.S. and cooler than average conditions to parts of the South. With the 2026 event being exceptionally strong, these contrasts may be amplified. Expected temperature anomalies include: • Warmer conditions across the Pacific Northwest, Northern Plains, and Great Lakes • Slightly cooler or near normal temperatures across the Southeast and Tennessee Valley 37

• Increased humidity and cloud cover in southern regions due to enhanced moisture transport These temperature shifts can influence energy demand, agricultural cycles, and early season storm development. Winter 2026–2027: National Impacts of a Historic El Niño Winter is when El Niño’s influence peaks. With the 2026–2027 event projected to be one of the strongest ever observed, the United States may experience pronounced deviations from typical winter patterns. 1. Wetter Than Average Conditions Across the Southern U.S. NOAA and CPC emphasize that strong El Niño winters bring significantly increased precipitation across the southern tier—from California to the Carolinas. This includes: • Heavy rainfall • More frequent winter storms • Increased risk of flash flooding • Higher likelihood of severe weather outbreaks during transitional periods The Tennessee Valley sits squarely within this enhanced precipitation zone. 2. Drier Than Average Conditions in the Northern U.S. The northern tier—including the Pacific Northwest, Northern Rockies, and parts of the Midwest—often experiences reduced precipitation during strong El Niño winters. This can lead to:

• Lower snowpack • Increased winter wildfire risk in some western regions • Impacts on water supply and hydrology 3. Temperature Anomalies • Strong El Niño winters typically produce: • Warmer than average temperatures across the northern U.S. • Cooler than average temperatures across the southern U.S. Given the exceptional strength of the 2026 event, these anomalies may be more pronounced. Specific Impacts on the Tennessee Valley Region The Tennessee Valley—encompassing Tennessee, northern Alabama, northern Mississippi, and parts of Kentucky—is particularly sensitive to El Niño driven shifts in atmospheric circulation. 1. Increased Winter Precipitation The Tennessee Valley is expected to experience above average precipitation throughout Winter 2026–2027. CPC’s diagnostic discussion highlights that a very strong El Niño increases the likelihood of significant shifts in rainfall patterns worldwide, including wetter conditions in the southern U.S. This may manifest as: • More frequent rain on snow events • Higher risk of river flooding

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• Wind and hail coverage - Severe weather outbreaks can cause roof damage, siding loss, and structural impacts. • Winter storm coverage - Ice storms can lead to roof collapse, frozen pipes, and prolonged power outages. • Business interruption insurance - Winter storms and flooding can halt operations for days or weeks. Given the heightened risk environment, agencies should encourage clients to review policy limits, deductibles, exclusions, and endorsements.

• Saturated soils leading to landslides in mountainous areas • Increased cloud cover and reduced winter sunshine 2. Elevated Risk of Winter Storms While El Niño often reduces snowfall in some southern regions, the Tennessee Valley’s unique geography means winter storms remain a significant threat. Moisture rich systems interacting with cold air intrusions can produce: • Heavy wet snow • Ice storms • Sleet events • Prolonged freezing rain These hazards can cripple transportation, disrupt power grids, and cause extensive property damage. 3. Severe Weather Potential Transitional periods—late fall and early spring—may see enhanced severe weather risk due to: • Strong jet stream dynamics • Increased moisture availability • Frequent frontal boundaries • This can lead to: • Tornado outbreaks • Damaging straight line winds • Hail events The Tennessee Valley is historically prone to such events, and a super El Niño heightens the probability. The Critical Role of Independent Insurance Agencies As weather patterns grow more volatile, professional independent insurance agencies must take a proactive role in educating and preparing clients. The 2026 Super El Niño underscores the urgency of this responsibility. 1. Counseling Clients on Coverage Adequacy Many homeowners and businesses underestimate their exposure to weather related risks. Agencies should ensure clients understand: • Flood insurance needs - Standard homeowners policies do not cover flooding. With increased rainfall and river flooding risk, flood insurance becomes essential. The Tennessee Insuror

2. Emphasizing Preparedness and Risk Mitigation Insurance is only one part of resilience. Agencies should counsel clients on practical steps to reduce losses, including: • Maintaining emergency kits • Preparing backup heating sources • Insulating pipes and attics • Clearing gutters and drainage systems • Developing family communication plans • Ensuring generators are safely installed and maintained These measures reduce claims, protect lives, and strengthen community resilience. 3. Leveraging Seasonal Forecasts for Client Education With NOAA, CPC, and WMO providing clear warnings about the strength of the 2026 El Niño, agencies can use these authoritative forecasts to: • Host client webinars • Send seasonal preparedness newsletters • Provide risk specific checklists • Encourage early policy reviews This proactive communication builds trust and positions agencies as essential partners in risk management. In Summary The 2026 Super El Niño represents a defining climate event— one with the potential to reshape weather patterns across the United States and profoundly influence conditions in the Tennessee Valley. With sea surface temperature anomalies exceeding +3°C and forecasts indicating near 100% likelihood of persistence through Winter 2026–2027, the nation must prepare for a season of heightened precipitation, altered storm tracks, and increased extreme weather risk. For professional independent insurance agencies, this moment demands leadership. Clients rely on their expertise to navigate an increasingly unpredictable climate landscape. By providing clear guidance on coverage adequacy, promoting winter storm preparedness, and leveraging authoritative scientific forecasts, agencies can help households and businesses build resilience, reduce losses, and weather the challenges of the coming seasons. The Super El Niño is not merely a meteorological event—it is a call to action. Through informed counseling, proactive planning, and community engagement, insurance professionals can play a pivotal role in safeguarding the Tennessee Valley and the nation during the Fall 2026 and Winter 2026– 2027 seasons. u 39

How Crash Avoidance Tech Simultaneously Raises and Slashes Repair Costs How much did car repairs cost you last week? If you got in a crash, you were probably shocked at the size of the bill. But if you made it through the week without hitting anything — and without anybody hitting you — you paid nothing. That in a nutshell is how crash avoidance systems are saving consumers money even as they also contribute to higher average repair costs: Though they’re expensive to fix, they’re remarkably good at preventing crashes. According to the U.S. Bureau of Labor Statistics, the average price of vehicle repairs has risen more than 40% since 2020 — much faster than the rate of inflation. However, the number doesn’t capture repairs that were avoided because vehicles didn’t crash. Nor does it explain the myriad factors that have contributed to the increase. The sensors used for automatic emergency braking, blind spot detection and other crash avoidance systems are often blamed for high repair costs, but there are many other causes. Components like headlights have become more sophisticated. SUVs and pickups, rather than hatchbacks and sedans, dominate the market. Ordinary cars are stacked with features that were once reserved for luxury models.

Nearly two-thirds of new vehicles now have all-wheel or fourwheel drive, and more than half have turbocharged or hybrid engines or are fully electric. All those things contribute to higher repair costs. Larger vehicles generate more energy when they crash, resulting in more severe damage. Fancier equipment — whether it’s power seats or an elaborate entertainment system — costs more to repair than the old basics. Advanced powertrains sometimes have more components to break and require specialized expertise to fix. The role of crash avoidance features, also known as advanced driver assistance systems, is more nuanced. If a model equipped with automatic emergency braking, lane departure warning and blind spot warning and an identical model without those features both get into the same kind of front-to-rear crash, the equipped vehicle will be more costly to repair. The sensors are expensive and often require calibration after replacement. On balance, however, these systems are saving drivers money. To understand how, it helps to look at some specific metrics used by the insurance industry.

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Claim severity, which represents the dollar amount needed to settle a claim, is a good proxy for repair costs. Claim frequency, or how often claims get filed, is important for a different reason: It gives you a way to price in those repairs that never happened because you didn’t get in a crash. Overall losses are calculated by multiplying claim frequency by claim severity. Under collision coverage, which pays for damage to the insured vehicle after a crash, claim severity numbers do show that repair costs are higher for vehicles with crash avoidance sensors. In one HLDI comparison of otherwise identical 201722 model year vehicles with and without a bundle of driver assistance features, collision claim severity was about 10% higher for the equipped vehicles. That lines up with what we know about sensor replacement. However, what happens with claims under property damage liability (PDL) coverage, which pays for damage to the vehicle hit by the policyholder, suggests that something else is going on. PDL claim severity is also higher for the crash-avoidanceequipped vehicles — by an even larger 15%. Unless having crash avoidance features magically makes you more likely to hit other cars with crash avoidance features, there’s no way that’s related to the cost of sensor repairs. What’s happening isn’t magic; it’s math. Crash avoidance systems prevent many of the low-speed fender benders that

make up the bulk of claims under both collision and PDL coverage. The greater proportion of higher-speed crashes left over pushes up the average claim severity. More importantly, the same study of 2017-22 models showed that claim frequency was lower for the equipped vehicles — about 10% lower for collision claims and almost 40% lower for PDL claims. As a result, overall losses, or the total amount it costs insurers to pay for all the claims in a given year, were about 5% lower for collision coverage and almost 30% lower for PDL coverage for the vehicles loaded with crash avoidance features. That doesn’t just mean crash avoidance systems save insurance companies money; it means that, on average, drivers of equipped vehicles come out ahead too. After all, every crash avoided is a deductible you don’t need to pay. It’s not all about the money either. Unlike light bars, turbochargers and other features that drive up repair costs, crash avoidance systems have safety benefits, as demonstrated by substantial reductions in injury claim frequencies. That means real pain and suffering avoided — far more important than dollars and cents. By Matt Moore,Chief Insurance Operations Officer, IIHS-HLDI Reprinted with Permission of IIHS-HLDI u

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Your Big I Keeping a Human in the Loop Remains Crucial to Insurance Buyers as They Accept AI Tools Media contact: Will Jones, william.jones@iiaba.net New Big “I” survey finds consumers embrace AI-powered service but still want the expertise and guidance of a dedicated human insurance agent. Alexandria, VA, September 9, 2026—As companies accelerate artificial intelligence (AI) adoption, an overwhelming 87% say that having a human insurance agent remains important, according to a new national survey commissioned by Independent Insurance Agents & Brokers of America (the Big “I”) However, at the same time, 61% of consumers say they are more likely to choose an insurance agent who uses AI and other modern technology to provide faster and more personalized service, underscoring consumers’ need for technology that enhances, rather than replaces, the valued relationships and expertise independent agents provide. “This survey confirms that consumers want to deal with a trusted adviser when they shop for insurance coverage,” said Charles Symington, Big “I” president & CEO. “AI can speed up the process, but it can’t replace what an independent agent brings: market access, deep product knowledge and a relationship built over time. That combination is what gives clients confidence and peace of mind, especially when navigating a complex market.” Roughly two-thirds (67%) responded positively to the use of AI in the process to identify coverage gaps, answer questions more quickly, and improve customer service. Of those who viewed AI positively, the largest group (39%) specifically said they support it as long as a human insurance professional remains involved. While Americans are more likely to embrace AI for routine tasks, consumers prioritize human guidance at critical moments. Nearly nine out of 10 respondents (87%) said having a dedicated insurance agent is important when making their insurance decisions. During major events, such as accidents, storms or significant claims, consumers overwhelmingly preferred assistance from an insurance professional, with just 6% saying they would rely on AI alone. The Tennessee Insuror

Also, in terms of communication preferences for updates and routine questions, a phone call (28%) was the top answer. This was followed by email (23%) and text message (21%). Respondents said AI adds the most value when helping compare insurance quotes, answering general insurance questions and providing claim status updates. The findings suggest that consumers view AI and other digital tools as a means to improve efficiency and convenience, while relying on agents for personalized advice, local expertise and guidance on important insurance decisions. Survey respondents expect the best of both technology and human relationships. Nineteen percent said faster responses would make them more likely to stick with an agent, while 18% said a personal relationship would do that. Other responses included better pricing (17%), mobile or text option (16%) and plain-language expectations (15%). “As AI advances within the industry and becomes more broadly integrated into our daily lives, agents must make sure their customers get speed and convenience without losing the personal guidance and expertise that matters most,” said Kevin Brandt, executive director of Trusted Choice. “Consumers are not choosing between technology and personal service— they increasingly expect both.” When asked about AI and the insurance industry over the next five years, consumers said their biggest concern was “losing the ability to work with a trusted insurance professional,” which was cited by around a third of respondents. The next closest responses were “privacy and how my data is used” and “AI making mistakes on my policy or claim.” Respondents were also asked about whether agents using AI tools would be better or worse at serving their customers in five years. As many as 38% said “better,” 21% expected “no real change,” 26% said “worse” and the remainder were “unsure,” highlighting the breadth of opinion toward AI and the insurance buying journey. By automating routine tasks, agents can spend more time helping clients evaluate risks, understand coverage options, navigate claims and build relationships. u 43

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

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Company Briefs Jencap Continues Strategic Expansion with Acquisition of Concorde General Agency Jencap Group LLC, one of the largest wholesalers in the U.S., announced today that it has acquired Concorde General Agency, a regional wholesaler specializing in personal lines, commercial lines, and farm and ranch insurance. Concorde will continue operating under its well-established brand as part of the Jencap Ins. Services Inc division, combining its regional expertise and strong market relationships with the expanded resources, capabilities, and national reach of Jencap. "We were very deliberate in finding a partner whose values and vision aligned with Concorde's," said Bob Hanna, President and CEO of Concorde General Agency. "Jencap shares our commitment to building strong relationships, creating win-win outcomes, and growing the business by helping our agency partners succeed. Joining Jencap gives our team access to additional products, markets, and expertise, while also expanding the geographic reach of what Concorde can offer. We believe that combination creates tremendous opportunities for our employees, our carrier partners, and, most importantly, the independent agents we serve."

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"Concorde General Agency is an outstanding strategic addition to Jencap," said Mark Maher, President of Jencap. "This acquisition strengthens our geographic presence in the upper Midwest and expands the specialty products and expertise we can deliver to our agency partners. Concorde's reputation, relationships, and entrepreneurial culture make them an exceptional fit for Jencap, and we're excited to accelerate growth together."

Forbes recognizes Erie Insurance on list of ‘America’s Best Insurance Companies 2027’ Erie Insurance (ERIE) has earned a place on the Forbes list of America’s Best Insurance Companies 2027 in all five product categories: auto, homeowners, renters, term life and permanent life. Compiled by Forbes and Statista Inc., a global data and business intelligence firm, the list is based on an independent survey of more than 18,000 U.S. policyholders. Respondents evaluated their insurers on customer satisfaction, loyalty and likelihood to recommend, as well as advice, customer service, cost, transparency, digital services and claims handling.

Company Briefs “Feedback from our customers is one of the most meaningful measures of how well we’re serving them,” said Sarah Shine, executive vice president, Experience and Customer Service, at Erie Insurance. “Being included across auto, home, renters and life insurance reflects the level of service our agents and employees work to provide every day.” In 2026, ERIE was also named to Forbes’ list of America’s Best Large Employers 2026.

The Cincinnati Insurance Company Chief Claims Officer Announces Retirement Cincinnati Financial Corporation (Nasdaq: CINF) announced that Marc J. Schambow, CPCU, AIM, ASLI, chief claims officer for its property casualty subsidiaries, led by The Cincinnati Insurance Company, will retire in January 2027. Schambow has served as Cincinnati's top claims officer since 2020, capping a nearly 40-year career with the company. After serving agents and policyholders as a field claims representative in Wisconsin for nearly a decade, he moved to Ohio

as a casualty claims supervisor in 1997. Schambow became the first claims manager for The Cincinnati Specialty Underwriters Insurance Company in 2007 and transitioned to lead the field claims team in 2014. "Marc took the reins of our claims team during the height of the Covid-19 pandemic," commented Stephen M. Spray, president and chief executive officer. "We needed an experienced and steady leader and Marc delivered. He also worked to increase efficiencies and implement technology that boosted claims satisfaction. His talents are evident in the consistently high marks we receive from agents and policyholders about our claims service." Todd V. McMillan, J.D., will assume executive responsibility for the headquarters and field claims teams upon Schambow's retirement. McMillan is an industry veteran with nearly 30 years of experience, most recently serving as corporate senior vice president, head of liability claims for Safety National Casualty Corporation. He started his career in private practice and then as staff counsel for GEICO before joining The Hartford in 2003 where he held a variety of claims leadership roles of increasing responsibility.

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.

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Company Briefs

Unexpected risks are met with exceptional coverage.

Slips, sparks, tire blowouts — your clients never see them coming. West Bend is ready with the support and service they need to weather any storm. We help you deliver the coverage your clients need with the service they deserve.

That’s the power of The Silver Lining®. The Worst Brings Out Our Best®.

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Company Briefs McMillan holds degrees from the University of Dayton and Widener University Law School. He also earned his Master of Laws in Insurance from the University of Connecticut School of Law. As part of this transition, executive oversight of the company's claims operations will transition to Thomas C. Hogan, Esq., chief legal officer. Spray commented, "Todd's deep understanding of complex claims as both a legal advisor and a claims professional make him the ideal candidate to lead our claims operations. He's also a proven communicator with a reputation for building collaborative teams. I'm confident he'll not only preserve – but enhance – our reputation as an industry-leading claims team that provides fast, fair and empathetic service. "Tom began his career in field claims and has worked closely with our claims team throughout his career as counsel for our company. I believe aligning our claims and legal teams under his direction will improve coordination and lead to stronger outcomes on litigated claims for the company, our agents and our policyholders. Tom, Marc and Todd will work together to ensure a smooth transition."

Aon to Acquire USI to Establish the Premier U.S. Middle-Market Platform Aon, a leading global professional services firm, today announced the signing of a definitive agreement to acquire USI from KKR and other shareholders for a total purchase price of $17.0 billion. The transaction establishes the premier platform in the large and growing U.S. middle-market segment, building on the success of Aon's acquisition of NFP in 2024. USI, a leading provider of property & casualty, employee benefit, personal risk and retirement solutions for the middle market, is the tenth largest U.S. insurance broker with approximately $3 billion in annual revenue and more than 10,500 team members across nearly 200 U.S. offices. Powered by its proprietary USI ONE® platform for analytics, networked resources and strategic planning to inform and advise clients, USI is highly complementary with Aon's one-firm, Aon United strategy and global Aon Business Services operating and technology engine. "In a time of rising complexity and volatility, creating better outcomes for clients across their risk and people challenges requires a combination of capabilities and expertise supported by proprietary data, analytics and technology," said Greg Case, President and CEO of Aon. "Through the successful execution of our 3x3 Plan to accelerate our Aon United strategy, The Tennessee Insuror

we have significantly strengthened our firm to build the industry's most differentiated model: what we call our context advantage." Case added: "Combining with USI will establish the premier U.S. middle-market platform, deepen our context advantage and position Aon to accelerate organic growth. Building on the success of our acquisition of NFP, USI will substantially enhance our middle-market footprint and expand access for our firm in the E&S segment to deliver content, capabilities and expertise to a broader client base, while enabling client leaders to expand relationships and win new business. Our combined data platform will generate richer insight, advance the development of innovative, AI-driven solutions and expand the universe of insurable risk, while further reinforcing the context advantage that differentiates Aon. For nearly two decades, Mike Sicard has built and led a high-performing and integrated team, and I am excited about the opportunities we will create together for our clients, colleagues and shareholders." Following the close of the transaction, USI Chairman and CEO Mike Sicard will serve as President of Aon plc and global CEO of Middle Market, reporting to Case, and join the Aon Executive Committee. "Joining Aon represents a truly energizing next chapter for our firm and an opportunity to accelerate our momentum as part of the Aon United platform," said Sicard. "Our firms share strong, one-firm cultures with a deep commitment to working together to bring the best of our capabilities to clients. I look forward to leading Aon's middle-market platform and uniting the strengths of USI, NFP and Aon to deliver a new standard of content, capabilities and service to our clients."

Acuity Recognized as a Top-Performing Insurer for 27th Consecutive Year Acuity has been named to the 2026 Ward’s 50 list of top-performing property-casualty insurance companies, marking the 27th consecutive year the insurer has earned the distinction. The Ward's 50 evaluates insurers based on financial strength, capital position, underwriting results, and long-term performance. For agents and policyholders, those measures provide an important indicator of financial stability and reliability. The past 27 years, the insurance industry has navigated catastrophic weather events, economic downturns, a global pandemic, rising claim costs, and rapidly evolving risks. Through those changing conditions, Acuity has consistently maintained the financial performance and stability necessary to earn recognition among the nation's top-performing insurers. 49

Education Calendar The Insurors of Tennessee offers education opportunities to member agents across a wide range of insurance specialties that satisfy individuals at many different experience levels. If you are looking to further your career, seeking a professional designation, or need to satisfy continuing education requirements, check out the variety of courses available. Additional course options and details of each class can be found at www.bigitn.org under "Education" or by contacting Nick Field at nicholas@bigitn.org or 615.515.2606. Register for CISR & CIC at www.insurors.org under education. Classes with (*) have option for in person or webinar event.

CISR 11/12 12/10

William T. Hold Seminar Insuring Commercial Property

Webinar Webinar

CIC Watch our website for new classes coming in 2027. 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 for Insurance Education & Research (riskeducation.org) Choose from the following designation programs CIC, CRM, CISR, CRIP, CPRM, CSRM and more. 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 many more. Active Shooter/Workplace Violence Ins. CE: 2 $56 Contracts Agents Should Read CE :2 $56 Flood Program Overview - NFIP Then/Now CE: 3 $84 E&O - Roadmap to Pers. Auto & Umbrella Ins. - #1 CE: 3 $84 E&O - Roadmap to Pers. Auto & Umbrella Ins. - #2 CE: 3 $84 E&O - Commercial Property Coverage Gaps - #1 CE: 3 $84 E&O - Commercial Property Coverage Gaps - #2 CE: 3 $84 E&O - Roadmap to Homeowners Ins. - #1 CE: 3 $84 E&O - Roadmap to Homeowners Ins. - #2 CE: 3 $84 E&O - Homeowners Endors. & Personal IM - #1 CE: 3 $84 E&O - Homeowners Endors. & Personal IM - #2 CE: 3 $84 Directors and Officers Liability Insurance CE: 3 $84 Premium Auditing–What Every Agent Must Know CE: 2 $56 Law of Ins. Contracts & ‘Rules’ of Policy Interpret. CE: 3 $84 Torts, Negligence and Legal Liability CE: 3 $84 Commercial Prop. Underwriting & Rating: COPE CE: 3 $84 E&O Risk Mgmt: Risk Mitigation and E&O Claims CE: 3 $84 Cyber Security & Risk Management CE: 2 $56 Basics of Prop. Values & Coinsurance Conditions CE: 3 $84 Contractual Risk Transfer, Addl. Insureds & Certs. CE: 4 $112 Insurance Accounting for Dummies and Geniuses CE: 3 $84 Cyber Insurance Deconstructed CE: 2 $56 E&O - Roadmap to Policy Analysis - #1 CE: 3 $84 E&O - Roadmap to Policy Analysis - #2 CE: 3 $84 Hot Topics in Personal Lines CE: 2 $56 Insurance Ethics, Easy to Discuss, Harder to Achieve CE: 3 $84 Ethics in the Insurance Industry CE: 3 $84 Ethics - Creating a Winning Culture in the Agency CE: 3 $84 Insurance Industry: From Regulations to Operations CE: 3 $84 Business Auto Claims That Cause Problems - UPDATE CE: 2 $56 E&O Risk Management - (several topic options) CE: 3 $84 Risk, RM and Ins.: Why Agents Are NOT Risk Managers CE: 3 $84 Those Kids and Their Cars - UPDATE CE: 2 $56 Law of Ins. Contracts & ‘Rules’ of Policy Interpretation CE: 3 $84 The Tennessee Insuror

Company Briefs ICW Specialty Expands with Legacy Solutions Platform; Lisa Walsh Signs on as Head of Legacy Solutions

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ICW Specialty, the specialty insurance business unit of ICW Group, today announced the introduction of Legacy Solutions, a new platform designed to help self-insured corporations and other organizations manage and transfer longterm insurance liabilities. The company also announced that industry veteran Lisa Walsh has joined ICW Specialty as Head of Legacy Solutions to lead the new platform. Legacy Solutions expands ICW Specialty’s growing portfolio of specialized insurance and complex risk solutions and supports ICW Group’s overall product diversification strategy. Legacy solutions is expected to go to market this September and will focus on loss portfolio transfers (LPTs) largely associated with workers’ compensations claims. ICW Group is a leader in the work comp space creating a natural opportunity to leverage ICW Group’s experience, including its deep claims and actuarial capabilities. Walsh will guide the development and execution of Legacy Solutions from the ground up, including building a team to support its growth. Walsh’s technical expertise and proven ability to navigate complex risk transfer transactions positions her to build a differentiated solution for clients. Walsh brings more than 35 years of insurance industry experience spanning actuarial, underwriting, brokering, structured reinsurance and complex risk transfer solutions. During 20 years at Swiss Re, she held senior leadership roles focused on developing and underwriting structured solutions across property and casualty, including significant experience in workers’ compensation. Prior to Swiss Re, Walsh served as Senior Vice President at Benfield, and as Senior Vice President and Chief Actuary at London Life and Casualty Reinsurance Corporation. Walsh received her Bachelor of Arts in Mathematics at Hamline University and is a Fellow of the Casualty Actuarial Society (FCAS), a Member of the American Academy of Actuaries (MAAA) and a Chartered Property Casualty Underwriter (CPCU). The introduction of Legacy Solutions marks another milestone in the continued expansion of ICW Specialty, which launched in 2025 and has brought Excess Casualty, National Flood and Alternative Risk Transfer solutions to market. The platform reflects ICW Specialty’s focus on specialized markets where technical expertise, innovation and strong claims capabilities can deliver differentiated solutions for clients and trading partners. u

Meetings- Mark Your Calendars Big I Education Convocation

Hilton Baltimore Inner Harbor

September 29 - October 2, 2026

Baltimore, MD

Big I Fall Leadership

Hilton Baltimore Inner Harbor

September 30 - October 3, 2026

Baltimore, MD

Young Agents Leadership Institute

Hilton Baltimore Inner Harbor

October 2 - October 3, 2026

Baltimore, MD

Insurefest 2026

JW Marriott

October 13 - October 16, 2026

Nashville, TN

YA Look for Young Agents at INSUREFEST 2026!

How can you get involved with WINS?

Thursday, October 15, 2:45 - 4:15 PM, GRIFFIN BALLROOM

•

Reach out to the women on staff and let them know that you are interested!

•

Attend our events in your area!

•

Reach out to other women in our industry to encourage involvement in WINS!

•

Visit https://www.bigitn.org/wins-women-in-insurance/ to find a link to our exclusive WINS group on LinkedIn and subscribe to our email blasts.

Young Agents is trying something new called Young Agents Connect Social. This is an opportunity for young agents to meet with industry-leading partners, explore innovative solutions and build relationships that help their agency succeed. The event will have a happy hour type feel where attendees can drop in as schedules permit. The event will end with formal Insurefest Closing Remarks before everyone heads out for Company Night.

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Since 1984, Builders Mutual has built a commitment to the construction industry that goes way beyond insurance. When we say we’re here to protect and advance the unique needs of the contractor community, we mean it.

WE’RE PROUD TO BE AT WORK WITH YOU. Visit buildersmutual.com/ourwhy to learn more.

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Directory of Advertisers Advertiser

Phone

Website

Page

Arbour Specialty 877 . 831 . 4214 www.arbourspecialty.com 12 Arlington/Roe 800 . 878 . 9891 www.arlingtonroe.com 42 AutoOwners 800 . 346 . 0346 www.auto-owners.com 47 Bailey Special Risks, Inc. 800 . 768 . 7475 www.bsrins.com 11 Berkshire Hathaway Guard Insurance Cos. 800 . 673 . 2465 x4567 www.guard.com/apply 32 Big I Alliance iwww/ndependentagent.com/alliance 24 Builders Mutual 800 . 809 . 4859 www.buildersmutual.com 53 CGI Digital 800 . 398 . 3029 www. cgidigital.com 9 CRC Group 615 . 589 . 8349 www.crcgroup.com 13 Donegal 865 . 809 . 8549 www.donegalgroup.com 17 Fortified 615 . 440 . 0744 www.fortifiedagencies.com 6 Harford Mutual 800 . 638 . 3669 www.harfordmutual.com 16 Imperial PFS 443 . 613 . 4820 www.ipfs.com 35 INSBANK 866 . 866 . 4268 www.insbanktn.com 14 J.M. Wilson 800 . 595 . 0063 www.jmwilson.com 34 Liberty Mutual/Safeco 800 . 837 . 5254 www.libertymutual.com | safeco.com 44 LUBA Workers' Comp 888 . 884 . 5822 www.lubawc.com 45 MEM 800 . 442 . 0593 www.hello-mem.com 30 MidSouth Insurance Company 844 . 438 . 6642 www.midsouthmutual.com 56 National Security Group 800 . 239 . 2358 x213 www.nationalsecuritygroup.com 36 Penn National Insurance 800 . 395 . 0518 www.pennnationalinsurance.com 46 Progressive 800 . 776 . 4737 www.progressive.com 17 RLI 615 . 515 . 2609 www.insurors.org 22 Selective Insurance 877 . 744 . 3125 www.selective.com 2 SFM 952 . 838 . 4207 www.sfmic.com 51 Stonetrust Insurance 800 . 311 . 0997 www.stonetrustinsurance.com 38 Southern Trust 800 . 476 . 5566 www.stins.com 27 Swiss Re Lawyer's Professional Liability 630 . 213 . 9952 www.swissre.com 10 West Bend Mutual Insurance Co. 800 . 236 . 5010 www.thesilverlining.com 48

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The Tennessee Insuror

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

Leadership Development: From Individual Growth to Agency Success • Episode 516 • August 26, 2026 On this episode of Agency Nation Radio, Jamie Behymer, director of diversity, inclusion and young agents at the Big “I,” chats with Jenn Urso, founder of The Leadership Project, a professional development company that helps individuals and organizations become more effective leaders through practical, human-centered coaching, training and tools. Urso will also be one of the keynote speakers at the Young Agents Leadership Institute (YALI), which will take place Oct. 1-3 in Baltimore. Behymer and Urso discuss what inspired Urso to become passionate about leadership coaching, common misconceptions companies have about effective leadership, and how emerging insurance professionals can step into leadership roles. Urso also shares a special teaser about what she’ll be discussing at YALI. “If or when you decide that you’re interested in a leadership role, I think the first step is to look at your strengths,” Urso says. “Look at the competencies of what that role entails that you’re aspiring to move into, and then create a plan of how you can start to perform those now.” Family and Leadership with Doris Zampella • Episode 515 • August 11, 2026 On this episode of Agency Nation Radio, we meet Doris Zampella, President of EAB Insurance Group in Green Brook, New Jersey, and her daughter, Jacquelyn Zampella. As president, Doris Zampella built the agency on personalized service and strong connections within her community. With her daughter now joining the leadership team, she’s helping usher the family business into its next generation while staying grounded in the values that have shaped the agency for decades. “One of my best decisions was hiring my daughter,” Doris Zampella says. “She brings a wealth of information to the table that I didn’t have. Just different ideas, different ways to run things, different training. She brings a lot to the table.” Navigating Commercial Lines Education in the Age of AI • Episode 514 • July 21, 2026 The Tennessee Insuror

On this episode of Agency Nation Radio, Nancy Germond, executive director of risk management and education at the Big “I,” sits down with Dustyne Bryant, director of P&C content curriculum at WebCE, to discuss the latest developments in education in commercial lines insurance. Throughout the conversation, Bryant shares insights on emerging trends in commercial lines continuing education, dispels misconceptions about professional development and explains how agents can navigate an evolving insurance landscape in the age of artificial intelligence (AI). “Even if you already have the continuing education (CE) hours that you need to renew your license, do yourself one up and really take your CE beyond just checking that box and create the education journey for yourself that you need in order to be a well-informed professional,” Bryant says. The Next Generation of Insurance Advocacy with Miles Lee • Episode 513 • July 8, 2026 On this episode of Agency Nation Radio, we meet Miles Lee, transportation insurance broker at McGriff in Savannah, Georgia. After graduating from the University of Mississippi with a degree in risk management and insurance, Miles Lee had a clear vision for his career. It wasn’t until he attended a Young Agents Committee (YAC) event in Athens, Georgia and connected with carriers, fellow agents and wholesalers that he discovered political advocacy as another way to make an impact. “I think advocacy and fundraising were never more prevalent or needed than they were for the fight at the Capitol [for tort reform],” Lee says. “During that time, I realized that insurance is top of mind for everybody—it doesn’t matter if you’re a business owner or an individual who buys homeowners and personal auto insurance.” Throughout the episode, Lee discusses advocating for tort reform, his active involvement with the Big “I” Young Agents community, and what it meant to be recognized as the 2025 Young Agent of the Year. u 55

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Partnership matters to MidSouth. MidSouth partners with select retail agencies across its service footprint. The company is always seeking opportunities to grow in ways that are sustainable and mutually beneficial. + Serving clients across fifteen states with expansion into additional states planned. + Experienced underwriters who take the time to understand your risk. + Professional claims handling that protects the employer and employees. + A Exceptional Financial Stability Rating® from Demotech, Inc. Construction Trade Contractors Agribusiness Manufacturing Healthcare Wholesale/Distributors Professional & Business Services & Much More To secure an appointment contact Michelle Hale: michelle.hale@midsouthinsuranceco.com / 615.927.0111

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