The Ohio Agent Authority - Issue 2

THE OHIO THE OHIO

AGENT AUTHORITY AGENT AUTHORITY 2026 -- Issue 2026 Issue 2 2

Personal Auto Marketplace Dominates Page 8

Homeowners Marketshare Growth Report Page 22

Commercial Auto: From Turbulence to Traction Page 28

TABLE OF CONTENTS 01

MARKETPLACE EDITION

02

NEW CEO DESIGNATE

03

IACON26

04

VOLUNTEER LEADERS

08

PRIVATE PASSENGER AUTO REPORT

12

DECLARATION OF INDEPENDENTS

15

MID-YEAR ADVOCACY UPDATE

20

NEXT GENERATION AT OIA

22

HOMEOWNERS REPORT

27

EDUCATION SCHEDULE

28

COMMERCIAL AUTO REPORT

38

COMPANY PARTNERS

40

OIA CONTACT INFORMATION

MARKETPLACE EDITION

Source: A.M. Best Company

This issue of The Ohio Agent takes a deeper look at one of the topics shaping nearly every conversation between agents, carriers, and clients today: the Ohio property and casualty insurance marketplace.

At OIA, we believe independent agents make better decisions when they have access to reliable data and meaningful context. That is why this edition of our magazine, and July’s IA Connect Newsletter, is dedicated to examining the trends, challenges, and opportunities influencing our industry. Using data from Paul Buse with Real Insurance Solutions Consulting and A.M. Best Company, we explore what is happening across Ohio’s P&C market and how those developments impact independent agencies.

The report highlights a marketplace that continues to evolve. Ohio’s property and casualty market generated $26.9 billion in direct written premium in 2025, ranking 11 th nationally, while premium growth, loss ratios, independent agent market share, commission trends, and surplus lines utilization all tell important parts of the story. The data also provides insight into the lines of business that matter most to independent agents, from personal auto and homeowners coverage to commercial and umbrella risks.

As you read through this issue, our goal is not simply to present numbers. We want to help you understand what those numbers mean for your agency, your clients, and the future of the independent agency system. Whether you are focused on growth, profitability, carrier relationships, or navigating market changes, we hope these insights help you approach the second half of the year with greater clarity and confidence.

This magazine is just the beginning of our marketplace coverage. We’ll continue to break down key findings, trends, and takeaways in IA Connect, providing additional analysis and practical insights for OIA members. Be sure you’re subscribed to OIA’s email communications so you don’t miss future marketplace updates, educational resources, and member-exclusive content.

1

OIA Announces New CEO Designate Signaling a Strong Future for the Association Written by: Jodie Shaw, Director of Business Development

“I’m incredibly excited for the future of OIA under Joe’s

leadership,”

said

Jeff

Smith.

“His

background and thought leadership will bring tremendous OIA is excited to welcome Joe Fullenkamp to the team

as

Chief

Executive

Officer

value

to

our

members

and

the

broader insurance community.”

designate.

st

Officially joining the team on July 1 , his arrival marks an exciting new chapter for OIA and the members we serve across Ohio.

Fullenkamp brings nearly 30 years of experience in the insurance industry, with a background spanning both personal and commercial lines.

Most

recently

Encova

serving

Insurance,

in

leadership

at

To ensure continuity and a thoughtful transition,

has

built

strong

Fullenkamp will work closely alongside Smith

agencies

and

carriers

through 2027. This planned overlap reflects OIA’s

throughout his career. That perspective will serve

commitment to strong leadership perpetuation

him well as he steps into this role, with a clear

and

understanding of the challenges and opportunities

association

facing independent agents today.

members without disruption.

relationships

“Joe’s

with

extensive

industry

and

his

agency

system

he

roles

both

leadership

in

vision

the

delivering

value

the to

insurance

As he steps into the role, Fullenkamp will lead

independent

OIA’s continued focus on advocacy, education,

operational leader Ohio agents need,” said Andy

opportunities that support independent agencies

Stephey, OIA Board Chair. “We are excited to

across the state. His leadership represents an

welcome a leader with such strong experience

exciting next chapter for OIA and reinforces our

working within carriers and understanding the

commitment to protecting and advancing the

evolving needs of agents in Ohio and beyond.”

independent agency system in Ohio.

This transition comes at a time of continued

Joe is quickly immersing himself in the work of

momentum

supporting Ohio’s IAs, building relationships, and

current

CEO

Jeff

the

continue

positioning

and business solutions while helping to shape new

OIA.

him

to

stability,

and

for

make

for

the

long-term

Under

Smith,

strategic

the

the

leadership

association

of has

listening closely to members.

strengthened its role as a trusted partner to member

business

Please

programs

yourself to Joe in person at any of our upcoming

designed to help agencies grow and adapt in a

events, by phone at (614) 552-3064, or by email

changing market.

at joe@ohioinsuranceagents.com.

solutions,

agencies

through

advocacy

expanded

efforts,

and

2

feel

free

to

reach

out

and

introduce

September 29-30 | The Exchange at Bridge Park Join us at IACON: Insuring Tomorrow for dynamic keynote presentations, relevant breakout sessions, and valuable networking opportunities. Topics include AI applications for agencies, soft market success strategies, and other timely industry trends shaping the future.

IACON26 KEYNOTE SPEAKERS

Coach Donnie Campbell Inspiration behind Ted Lasso

Brandon Smith Liberty Mutual Agent for The Future Award Recipient

TEDx Speaker

THANK YOU TO OUR VOLUNTEER LEADERS

OIA Volunteer Leaders OIA BOARD OF DIRECTORS

Andy Stephey

Eric Stolly

Justin Buren

Cameron Caryer

Kelly Culley

Derek Sprouse

Bill Bishop

Matt Steele

IIABA National Director

SERVICE CORPORATION BOARD

Steve Brown

Meghan Griffith Ragozzino

Katie Watson

FOUNDATION BOARD

Ryan Griffith

Christina Bernard

Chris Kendall

Brad Winters

Jessica Zinsmeister

ADVOCACY & POLITICAL ACTION COMMITTEE The Ohio Insurance Agents Advocacy Committee (OIA PAC) plays a vital role in advocating for independent insurance agents by influencing legislation, regulations, and industry policies. The committee strengthens agents' political influence by supporting pro-business candidates and maintaining a competitive insurance marketplace. Key responsibilities include shaping OIA’s advocacy agenda, analyzing legislative and regulatory issues, guiding PAC contributions, and increasing fundraising efforts.

Members include: Jeff Sargeant, Diane Keil-Hipp, Meghan Griffith Ragozzino, Patrick Bacon, Nick Bertke, Bill Bishop, Cameron Caryer, Janie Geis, Eric Harmon, Dale Kaprosy, Michael Keenan, Aaron McElwain, Talbott Moon, Nick Roach, and Mark Willis.

CARRIER RELATIONS COMMITTEE The Carrier Relations Committee works to strengthen the relationship between independent agents and insurance carriers. Its key responsibilities include identifying opportunities to enhance company relationships, monitoring changes that impact agent-carrier dynamics, providing input on industry issues, conducting research on carrier concerns, engaging with high-level carrier representatives, and analyzing survey results to improve partnerships.

Members include: Bill Brooker, Greg Carr, John Ferneding, Scott Krebs, Brandon Morgart, Rob Strachan, Shelley Taylor, Jay Wenger.

FINANCE & BUDGET COMMITTEE The Finance and Budget Committee ensures the financial health and stability of the organization by overseeing investments, budgets, audits, and financial policies. It acts as a steward of financial resources, maintaining adequate funding for member services and long-term sustainability. This committee reviews financial statements, investment portfolios, tax returns, and corporate insurance policies, as well as assessing budget alignment with strategic objectives and recommending necessary adjustments to the Board of Directors.

Members include: Colleen Heister-Miles, Justin Buren, Kelley Culley, Meghan Griffith Ragozzino, Eric Stolly, Kimberly Hilvers, and Andy Tomlinson.

GOVERNANCE COMMITTEE The Governance Committee ensures strong leadership and effective governance by identifying, developing, and supporting future leaders within OIA. It maintains a transparent leadership selection process based on competencies and strategic alignment. Key responsibilities include recruiting and nominating board candidates, overseeing leadership development, reviewing bylaws and policies, addressing ethical concerns, and selecting award winners. The committee also evaluates board positions and governance structures to support OIA’s mission and success.

Members include: Steve Brown, Brent Phelan, Perk Reichley, Tom Sarno, and Matt Simon.

INNOVATION COMMITTEE New in 2025, the OIA Innovation Committee will focus on enhancing industry knowledge and business opportunities for independent agents by identifying and evaluating innovative solutions. The committee will gather insights on industry trends, analyze potential solutions, explore investment opportunities to strengthen the independent agency system, and identify diverse business prospects for members and OIA. Members include: Adam Anspach, Chris Pipes, Amy Amstutz, Tyler Copeland, Tiffany Morgan, Brad Kernan, Brandon Rapp, Michael Sarno, and Brian Ogle.

NEXT GEN AGENTS ADVISORY COMMITTEE The Next Gen Agents Advisory Council serves as a voice for emerging professionals in the industry, providing insights to enhance OIA’s resources and initiatives. It fosters member engagement, networking, and leadership development while advising the Board and staff on the needs of the next generation of insurance professionals. Key goals include identifying career development opportunities, expanding member resources, and cultivating future industry leaders.

Members include: Amanda Phelan, Adam Augspurger, Matt DeVries, Kendra Garrett, MacGregor Howey, Rick Jackson, Logan Kirk, Cassie Maddux, Brennan Madison, Mary Modene-Salahat, Julie Schatz, and Bethany Thompson.

Blue text indicates Chair or Vice-Chair

Building a Career, Shaping the Future Cameron Caryer Joins the OIA Board Written by: Colleen Elliott, OIA Marketing & Communications Manager

OIA thrives because of the strength and passion of its

volunteer

leaders,

strengthened

by

and

that

individuals

impact

who

is

bring

only fresh

perspective and a commitment to growth. Some of the

most

impactful

leaders

in

the

independent

agency system are those who chose this industry for the opportunities it provides – and that’s exactly the path

Cameron

Caryer

took.

We’re

excited

to

welcome him to the OIA Board of Directors, where his

focus

on

relationships,

collaboration,

and

advocacy will help move the association and the industry forward.

Frost’s

company

trainings

covered

not

only

Cameron began his professional career in corporate

insurance knowledge but also communicated the

sales,

value an independent agent provides to their clients,

where

he

developed

strong

relationship-

which was invaluable to his development.

building skills. After a few years, he was approached by

his

wife’s

former

owner

of

Frost

the

agency.

He

was

Before joining the OIA Board of Directors, Cameron

immediately drawn in by the potential of the industry

was involved with OIA’s advocacy and legislative

and the opportunity to shape his own career path

efforts. In 2019, he received Westfield’s scholarship

and destiny. At the time, his corporate role involved

to attend the Legislative Conference in Washington

a lot of travel, and his family was looking to settle in

D.C., which he found to be extremely beneficial. The

the area, making the transition a natural fit. His

experience allowed him to engage in meaningful

background in corporate sales, along with a strong

conversations and see firsthand how agents are

sales and marketing education from the University of

represented at the national level.

Insurance,

uncle,

about

a

joining

Toledo, prepared him well for his shift and helped As

him build meaningful client relationships early on.

the

newest

Board

member,

Cameron

looks

forward to continuing these important conversations After about five years with the agency, Cameron

that support agents and strengthen the independent

began buying in as an owner. Today, Frost Insurance

agency system. He’s passionate about connecting

has five owners. While there are no familial ties

agents, sharing ideas, supporting the IA community,

between them, the agency has maintained the close,

and advocating for its future.

collaborative culture of a family-owned business. thinking

Outside of work, Cameron spends most of his time

individuals who are motivated to grow and drive

with his wife, cheering his four daughters on at their

change, which ultimately lays the foundation and

various sporting events. He also enjoys golfing when

encourages the rest of their staff to want to make

his schedule allows. Additionally, Cameron is active

progress and not just stick to the status quo.

in his church community, where he serves on their

They

focus

on

bringing

in

forward

board and plays drums in the church band.

Cameron credits much of his own growth at Frost to their in-depth sales training. Starting in personal

Whether supporting his daughters’ teams or advising

lines gave him the runway to truly learn about the

clients on risk, Cameron has demonstrated his strong

industry and coverage details before moving into

commitment to strengthening his local community,

commercial lines.

the IA community, and the OIA as a whole.

6

Rooted in Relationships Meet Jessica Zinsmeister, OIA Foundation Board Director Written by: Colleen Elliott, OIA Marketing & Communications Manager

Independent agents are at the core of OIA, but

As a self-proclaimed nerd, Jessica has a passion

our work is strengthened by the support of

for learning and is most excited to help agents

dedicated industry partners. Their support, from

continue developing through the opportunities

every corner of the industry, helps us enhance the

the OIA Foundation offers. Every day, she speaks

IA system and serve our members.

with newly appointed agents who are looking for guidance and resources, and she values that OIA

The newest member of the OIA Foundation Board,

not only offers a wide range of educational

Jessica Zinsmeister, was destined to work in

resources, but also helps agents take advantage

insurance. “The Cincinnati Insurance Company’s

of these tools through scholarships.

building

was

the

biggest

building

in

my

hometown. I always knew I would work there

Outside of work, Jessica is embracing her newly

someday, I just didn’t know what they did.”

empty-nester

lifestyle.

She

married

her

high

school sweetheart and has two grown children.

Jessica

has

been

with

Cincinnati

Insurance

She and her husband are working their way

Company for almost 20 years and has steered her

through all the National Parks, starting a garden,

career through underwriting, management, and

and spending time with her pride and joy, Archie

now leading their Customer Care Center. Like

the English Bulldog.

many others in the IA space, she was immediately drawn in by the organization’s connection to their

Jessica is a lifelong advocate of education and

community, the conviction they have for their

insurance, making her role on the Foundation

clients, and the agent advocacy.

Board

a

natural

fit.

She

is

excited

for

the

opportunity to become more involved with OIA The partnership between OIA and the Cincinnati

and support agents as they grow and strengthen

Insurance

the independent agency system.

Company

is

how

Jessica

became

involved in this community, and she finds that there

is

perfect

alignment

between

her

professional background and the mission of the OIA Foundation: keeping agencies independent, advocating for the future, and providing resources and education to strengthen agents.

Insurance is a very relationship-driven industry, and

Jessica

thrives

in

that

environment.

She

describes herself as a social butterfly and credits both personal and professional connections with shaping

her.

relationships

Throughout and

her

partnerships

career, has

building

given

her

valuable insight and a strong network to learn from and rely on.

7

FLIPPING THE SCRIPT ON PERSONAL AUTO By: Jarod Steed, Business Planning & Valuations Analyst

Private Passenger Auto in Ohio Flipping the Script on Personal Auto Written by: Jarod Steed, OIA Business Planning & Valuations Analyst

Independent agents are essential household and business risk advisors, and yet they are extremely underutilized in the private passenger auto (PPA)

The majority of these marketing messages focus

space. Only 40% of Ohioans place their PPA

on price-based storytelling, which shapes the

premiums through an IA. This statistic leads to

consumer's thought process and can hurt an IA's

concerns for the 60% who go a different route: do

coverage-based approach.

they truly understand the intricacies of their coverage and the type of provider they are using?

The result of this money being spent on pricebased insurance advertising: consumers gravitate

Independent agents are the best risk advisors an

towards

Ohio citizen can find. They are local, reachable,

agents

and knowledgeable, and yet they have historically

with

insurers,

only

a

leaving

fraction

of

independent the

market.

Meanwhile, independent agents dominate other

done the least business, percentagewise, with the

major lines of business, such as commercial auto

most common risk facing Ohioans. It will take an

(90%) and commercial multi-peril (91%). In fact,

industry-wide effort to increase the independent

the next smallest penetration rate for independent

agent's market share of PPA.

agents is homeowners multi-peril, which is at a 58%

2025 Personal Private Auto Landscape

penetration

rate.

It’s

clear

that

the

independent agents dominate in more complex

Of Ohio’s 2025 property and casualty insurance

lines. The idea that PPA business is just a price-

marketplace, Private Passenger Auto (PPA), or

based commodity is something the industry must

personal auto insurance, is the largest line of

collectively educate against if IAs are to see their

business (LOB). Across all LOB in Ohio, $26.9B of

market share increase. Instead, the industry needs

premium is written; PPA accounts for $9.26B. Of

to educate the consumer about the value of the

this $9.26B, independent agents write just $3.75B

right coverage and the value of choice in PPA.

(40%). Captive agents write $3.34B, and $2.17B goes direct.

Another factor that contributes to agents' low penetration rate in PPA is the fact that Ohio has

PPA has been very profitable historically in Ohio

the 49th lowest premium per capita out of 51 for

and across the country. 2025 saw an adjusted loss

personal lines across the US states and territories.

ratio of 62% for PPA with the five-year average at

So not only are agents fighting an uphill battle

a mere 67%. The dollars from this profitability

against

often get funneled back into advertising, which is

Emu

(and

example,

spent

a

advertising

in

Doug).

Progressive,

record-breaking

2024,

when

most

on

of

their

mindset,

but

to make the same amount of commission.

for

$3.5B

price-driven

must sell more policies than agents in other states

like Jake from State Farm, the Gecko, Flo, and the

consumers’

when independent agents do win in PPA, they

why many consumers are familiar with mascots Limu

direct

This low premium per capita is largely due to the rate environment in Ohio. Ohio is well-regulated,

competition was struggling.

and our weather is, simply, insurance friendly.

9

The Last Five Years

Figures

1

and

2

(show

in

the

bottom

left)

The past half decade has been turbulent in our

summarize performance for the top five PPA

industry, but the market in PPA has softened. One

carriers in Ohio.

piece of evidence of the softening market is 2025’s average premium increase by 2%, versus

Of this group, Erie Insurance stands out as the

the 7% it has been averaging in the last five years.

only group that prefers the IA distribution model,

Of the major LOB, PPA had the smallest premium

showing their heavy investment in independent

increase in 2025. This deceleration in premium

agents. However, their performance in the PPA

increase signals that carriers in Ohio are satisfied

market

with where their rates are for PPA. Carriers,

competition.

has

been

poor

compared

to

the

especially the independent agent-friendly ones, need to continue to figure out how they can help

Erie’s struggle to compete reflects a common

their agents get PPA rates that are competitive

struggle of carriers that focus on the IA channel:

with those of Progressive, State Farm, and GEICO,

they can’t compete pricewise against the rest of

particularly as consumer sensitivity to premium

the top four carriers. Many agents are appointed

has intensified.

with Progressive as well, and agents constantly say it’s hard to beat their prices. Progressive,

Carrier Summary

Allstate, and Geico’s five-year combined ratios have beaten carriers such as Travelers, Ohio Mutual,

Western

Reserve,

Encova,

Westfield,

Auto-Owners, Cincinnati, Grange, and more.

The carriers being beaten by nationals are many of the leaders in Ohio’s independent agencies. If PPA market share for IAs is to increase, then the IA-forward, Ohio-domiciled carriers, must help their agents by increasing the competitiveness of their PPA offerings in Ohio. This all starts with achieving

Figure 1 - PPA DWP is 2025, Ad $ is 2024, as 2025 data set is incomplete

better

combined

ratios

than

the

nationals.

Factors Affecting the PPA Market in 2026 Looking ahead to 2026, there are two types of factors affecting independent agents focused on writing

PPA:

controllable

Starting

with

factors

and

they

uncontrollable. cannot

control,

including macro-economic trends and weather.

Figure 2 - Results above are percent averages from 2021 - 2025

10

The mindset shift from price-based to coveragebased consumer decisions is the most influential factor within independent agents' control. When a client is fixed on price, they are hard to convince otherwise. expand

In

the

this

situation,

conversation

an

from

agent just

should PPA

to

bundling and/or an umbrella policy. Introducing these policies and communicating their value may help your carrier solutions be more competitive, rather than just quoting a monoline auto policy.

Agents need to lean into educating their clients

Figure 3 - Source: National Oceanic and Atmospheric Administration

on the importance of quality coverage in PPA.

It looks like 2026 so far is on pace to be another insurance friendly weather year. Halfway through

IA Focus on the Future

the year, the number of damaged properties in

Ultimately, increasing independent agent market

Ohio is way down from 2025. The first half of

share

2025 is when Ohio suffered much tornado activity,

uncontrollable

factor

protect

that

to 4.2% from May 2025-May 2026, versus being at

change

level indicator that the cost of auto claims will

and

amount of technology and complexity of repairs

of

this,

we

even

amidst

expect

agents'

coverage-based

decision

connect

consistent matters

conversation

because

they

can

auto

insurance

to

the

broader

message

most

when

that

the

right

the

claim

is

coverage no

longer

hypothetical.

dollars into flipping the PPA script from a pricea

that

clearer education, stronger carrier support, and a

agents and their carrier partners can invest more to

financial

the path forward is not just sharper pricing; it is

penetration to remain similar in 2026, unless

based

the

agency channel wants to win more PPA business,

insurers have proven their profitability in Ohio and

from

protection needs of the client. If the independent

continues to be on the rise, as well. The big PPA good

household

explain coverage, compare options, identify gaps,

remain at a similar or increasing severity as the

is

a

Independent agents are uniquely positioned to

3.8% for the prior year's period. This is a high-

Because

by

consequences of a serious accident.

impacts the PPA market. Inflation has picked up

inflation.

happen

legal requirement, but it may not adequately

another

weather

not

does not tell them. A cheap policy may satisfy the

the weather after all.

the

will

help consumers understand what price does and

find another profitable year in 2026; however, it is

when

auto

when agents, carriers, and the broader industry

comparatively. It looks like Ohio insurers should

is

personal

pretending price does not matter. It will happen

and the first half of 2026 has been relatively calm,

Inflation

in

for

consumers.

WANT MORE MARKET DATA? As part of your membership with OIA, you gain access to annual marketplace data as shown here. For the full copy of the 2026 Ohio Marketplace Summary, please contact Jeanie Giesler, OIA Resource Center Advisor, at jeanie@ohioinsuranceagents.com.

11

DECLARATION OF INDEPENDENTS Full Interview by: Olivia Overman, Big “I”

PHOTO BY ROGER MASTROIANNI

Declaration of Independents Featuring Rob Strachan, Strachan Novak Insurance Full Interview by: Olivia Overman, Big “I” Independent

of

Rob also spoke candidly about the personal side

series

of succession. While the financial and structural

highlights what makes the independent agency

elements can be complex, one of his biggest

system distinct: ownership, long-term thinking,

challenges was internal. He focused on proving

and

and

himself and earning the respect of employees,

communities with independence at the center.

carrier partners, clients, and the community. That

That perspective closely reflects the mindset of

intentional approach to leadership development is

many OIA members, who are navigating growth,

a common thread among successful perpetuation

succession, and an active M&A environment while

stories and reflects the level of commitment

remaining focused on preserving what makes their

required to step into ownership.

America’s

a

Insurance

Agents

Declaration

commitment

of

to

&

Brokers

Independents

serving

clients

agencies unique.

Ultimately,

his

decision

Novak

independent

advantages of the independent agency system:

spirit. Though he grew up in an agency family, he

the ability to control your own future. Even in a

initially set his sights on a carrier career, not the

marketplace shaped by ongoing M&A activity, his

brokerage

his

experience reinforces that independence remains

perspective shifted as he recognized the scale of

a viable and meaningful path for those who plan

the opportunity in front of him. It was not just

ahead.

side.

Over

that

time,

however,

of

the

internal

perpetuation

embodies

one

pursue

OIA member Rob Strachan, owner of Strachan Insurance,

higlights

to

defining

about building a business, but about continuing a legacy of serving generations of clients. That

Beyond ownership, Rob is also helping other

realization turned a career decision into a long-

agents expand into health and Medicare through

term commitment to the agency and its future.

Strachan

Health

Insurance

Partners.

He

is

passionate about investing in the broader success His story, shared in May’s edition of Declaration of

of the IA channel and this commitment reflects a

Independents,

forward-looking

reflects

the

crossroads

many

mindset

and

a

willingness

to

agency owners and successors face today.

share knowledge for the benefit of others.

When it came time for ownership transition, his

Rob’s story is a strong example of the values seen

family evaluated multiple M&A paths including

across OIA’s membership. It reflects intentional

private

decision-making, a commitment to legacy, and a

equity,

an

external

sale,

and

internal

perpetuation. With the help of trusted advisors,

clear

vision

they completed multiple valuations and chose a

agencies.

for

the

future

of

path that balanced fair market value with longterm

legacy

and

cultural

fit.

This

thoughtful

evaluation underscores a broader reality within

Scan to read the full interview in the IA Magazine

the IA channel: today’s owners are weighing more than just price.

13

independent

Learn more at iavaluations.com

BUSINESS PLANNING TO HELP YOUR AGENCY REACH ITS GOALS Elevate your independent insurance agency with IA Valuations’ specialized services.

Whether you’re transitioning internally, acquiring, selling externally, or looking for additional consulting services, our team offers expert guidance specific for your agency’s future success. We provide tailored planning and consulting services so you can trust us to navigate the complexities of your agency’s future and help you achieve your business goals.

INTERNAL PERPETUATION PLANNING

AGENCY LINK: BUY-SELL ADVISING

BUSINESS CONSULTING SERVICES

Jeff Smith, JD, CIC, CAE Chief Executive Officer jeff@iavaluations.com

Jodie Shaw, CLCS, CPIA, TRA Director of Business Development jodie@iavaluations.com

Jarod Steed Business Planning & Valuation Analyst jarod@iavaluations.com

Craig Niess, CVA, MBA Director of Business Planning & Valuation craig@iavaluations.com

Colleen Elliott Marketing & Communications Manager colleen@iavaluations.com

You Value Your Agency, We Value Your Clients. www.iavaluations.com

contact@iavaluations.com

Mid-Year Advocacy Update Engagement, Impact, and Results Written by: George Christy, OIA Government Affairs Manager

dedicated

House Bill 105 Bans investment from foreign

members have made significant strides in the first

entities into Ohio’s legal system and will require

half of this year, advocating across a wide range

that litigation financiers register with the Ohio

OIA

Government

Affairs

and

our

Attorney General’s Office. Additionally, the bill

of policy areas impacting the insurance industry.

will require disclosure of financing agreements

From tackling legal system abuse to addressing consumer agents

protection

have

been

concerns,

actively

after a case has been resolved.

independent

engaged

at

the

OIA was proud to play a role in supporting this

Statehouse.

important reform. A highlight of this effort was the compelling testimony delivered by Bill Bishop

This year has underscored a key truth: when OIA

(Associated Insurance Agencies), who brought his

members show up, policymakers listen.

perspective as an agency owner to the issue. His insights helped lawmakers better understand how unregulated litigation financing can lead to an

A Broad Policy Footprint

overly litigious environment that makes it difficult

OIA Government Affairs has been involved in a

for small businesses to grow and thrive in our

varity of legislative priorities throughout 2026.

These

efforts

reflect

the

state.

association’s

commitment to both protecting the independent agency system and promoting sound public policy that benefits Ohio consumers.

From

litigation

verification

funding

systems,

reform

and

to

from

insurance contractor

accountability to regulatory modernization and reform, OIA has maintained a proactive presence.

Even

more

importantly,

we

have

We are grateful for Bill’s engagement on this issue

increased

and are proud to see this bill head to the

member engagement in the advocacy process by

Governor’s desk for signature.

bringing agent expertise directly into legislative discussions. OIA and our members have not just

Protecting Consumers from Bad Actors: HB 769

monitored legislation; we have weighed in and

Another key issue OIA has engaged with this year

advocated in a meaningful way.

is

House

unscrupulous

Bill

769,

roofing

legislation

contractors

targeting

who

exploit

insurance claims for financial gain.

Advancing TPLF Reform: House Bill 105 One of the most successful developments this

Insurance agents are often on the front lines when

year that OIA has had a role in is the passing of House

Bill

105,

which

Litigation

Financing

legislation

will

addresses (TPLF)

bring

these situations occur, helping clients navigate

Third-Party

reform.

This

transparency

and

claims and fraud. OIA’s involvement ensured that legislators understood the real challenges faced by both agents and policyholders.

accountability to a sector that can influence legal outcomes and insurance costs.

15

OIA

member

Steve

Brown

(Payne

&

Brown

Insurance) provided impactful testimony on this bill, sharing firsthand experiences with abusive practices in the roofing industry. His testimony highlighted how certain unscrupulous contractors manipulate claims processes, intentionally damage roofs, and leave consumers vulnerable.

Colleen’s contribution helped ensure that the agent perspective was included when discussing a modern method to track whether Ohio drivers are maintaining financial responsibility.

Status: House Bill 678 has received three hearings in the House Transportation Committee. The bill is expected

to

have

future

hearings

when

the

legislature is back in the fall.

By contributing to this discussion, Steve helped reinforce the need for stronger safeguards and accountability

measures,

agent

can

voices

demonstrating

influence

better

The Power of Agent Advocacy

how

What sets 2026 apart so far is not just the

policy

breadth of issues OIA has engaged with, but the

outcomes.

level of member participation in those efforts. Bill Bishop, Steve Brown, and Colleen Miles, along

Status: House Bill 769 has had two hearings in the

with Heather MacKinnon and Nick Bertke earlier in

House Commerce and Labor Committee and is

the year, each stepped forward to share their

expected

expertise, lending credibility and authenticity to

to

have

further

hearings

when

the

Legislature is back from summer recess.

OIA’s advocacy. Their willingness to testify and engaged

directly

with

Modernizing Insurance Verification: HB 678

strength

of

OIA

OIA has advocated for House Bill 678, which

commitment to the profession.

focuses on creating an online verification system for

auto

insurance.

Ohio

has

no

These

modernized

verification

system

is

critical

reflects

membership

send

a

strong

the

and

its

message:

policy. They are there to offer their insight and

are meeting financial responsibility requirements. online

also

lawmakers

independent agents are not passive observers of

verification process for proving that Ohio drivers An

efforts

the

help promote informed, practical solutions that

to

strengthen the industry and protect consumers.

improving efficiency, reducing fraud, and ensuring compliance.

As

OIA

continues

its

advocacy

work,

the

momentum built provides a strong foundation for Associates)

future success. We encourage all members to

provided testimony on this important measure.

consider how they can get involved, whether

Member

Colleen

Miles

(Heister

through testifying, meeting with legislators, or

Her remarks offered valuable insight into the

staying informed on key issues.

reality of the uninsured motorist crisis and how an online system could benefit agents and consumers

OIA is making an impact, and your collective

alike.

voice matters.

16

E&O Mock Trial & Fundraiser Events Bringing Ohio Agents Together Written by: George Christy, OIA Government Affairs Manager

Together,

these

events

showcased

OIA’s

commitment to supporting independent agents from multiple angles: advocating on their behalf

The 2026 election cycle is in full swing, with many

while also equipping them with the knowledge

key races in Ohio across all levels of government.

and

On June 16 th , OIA brought members together for

Agents left with practical insights to strengthen

two meaningful events in one day, each focused

risk management strategies alongside a deeper

on a different but equally important initiative:

understanding of the legislative landscape.

tools

to

better

protect

their

businesses.

advocacy and education.

OIA is incredibly grateful to our members who As part of our ongoing advocacy efforts, OIA

participated in both events and made the day

proudly hosted a Supreme Court Reception in

such a success. Your engagement is what brings

support of Justice Dan Hawkins in his reelection

these initiatives to life, and we look forward to

bid

continuing to provide opportunities that keep you

and

candidate

Colleen

O’Donnell

in

her

campaign for the Ohio Supreme Court. The event

informed, prepared, and connected.

provided a valuable opportunity for agents to hear directly from both candidates as they shared

As the election cycle continues, the Government

prespectives shaped by their experience in public

Affairs team will continue to monitor other races

service. Their remarks reinforced the importance

and share our support for candidates who bolster

of a strong and principled judicial philosophy that

the Independent Agent system in Ohio.

upholds consistency and integrity within Ohio’s legal

system

and

supports

a

stable

business

For any additional details or questions on any of

environment for independent agents.

the bills or initiatives we are covering, please reach out to George Christy at (614) 929-8237 or

Earlier that same day, agents took part in the

george@ohioinsuranceagents.com. You can

2026 E&O Mock Trial, an immersive educational

support the OIAPAC or InsurPac by scanning the

experience designed to bring real-world risks to

QR codes below.

life. More than a traditional CE session, the mock trial walked attendees through every stage of a claims

scenario,

from

opening

statements

to

cross-examinations and the final verdict. Legal experts and industry professionals highlighted how

small

missteps

in

documentation,

communication, or coverage placement can lead

OIAPAC

to significant consequences, sparking thoughtful discussion and reflection on everyday agency practices.

17

InsurPac

also

Advocacy in Action Supreme Court Fundraiser Event

18

Errors & Omissions (E&O) Mock Trial Real-World Risks Agents Face

19

Next-Generation Agents at OIA We were proud to welcome 12 exceptional interns

Their investment in developing the next generation

to

on

of talent is helping to strengthen and sustain

connection, learning, and a firsthand look at the

Ohio’s independent agency system for years to

independent agency channel in action. Through

come.

the

OIA

office

for

a

day

centered

meaningful conversations and real-world insights, these emerging professionals gained a deeper

Participating agencies include Wallace & Turner,

understanding

Inc.; Wichert Insurance; Knight Insurance Group;

of

the

industry

and

the

opportunities ahead, while already beginning to

Bickle

Insurance

Services;

Platt

Insurance;

make an impact of their own.

Anderson Insurance; Strachan Novak Insurance Services; Frost Insurance Agency, Inc.; Leland

This experience reflects the ongoing work of OIA’s

Smith Insurance Services; Loy Insurance; Phelan

Next-Gen

to

Insurance

advancing the independent agency system by

Partners.

Committee

and

our

commitment

Agency;

and

SeibertKeck

Insurance

developing future leaders. This initiative would not be possible without the continued leadership and

The future of the independent agency system is

dedication of the agencies participating in the OIA

bright, and it’s already getting to work!

Intern Program.

Upcoming Next Gen Webinar Series: Marketing & Personal Branding

Communication & Confidence Skills

for Next-Gen Agents

for Next-Gen Producers

August 26th

October 21st

Are you planning to stay in the industry for 20+ years, dreaming of owning your own agency, or looking to connect with like-minded peers through OIA’s Next-Gen group? Scan the QR code or reach out to Colleen Elliott at colleen@ohioinsuranceagents.com to get involved and start shaping your future today!

20

Find the updated carrier lineup and additional information here.

Jodie Shaw jodie@ohioinsuranceagents.com (614) 552-3036

HOMEOWNERS INSURANCE MARKET EXPERIENCES RECORD UNDERWRITING RESULTS IN 2025 By: Jeff Smith, JD, CIC, CAE, Chief Executive Officer

Homeowners Insurance Market Experiences Record Underwriting Results in 2025 The

Ohio

Homeowners

insurance

market

Written by: Jeff Smith, JD, CIC, CAE OIA Chief Executive Officer

has

experienced a massive rebound from record high combined loss ratios in 2023 (115%) to record high underwriting

(UW)

profits

in

2025

Analyzing the overall performance of IAs in the

(74%

Personal Lines (PL) market, we see IAs were flat

combined). The 41% drop in loss ratio over a

with -0.1% YOY decrease to maintain our control

three-year span is one of the largest swings on

of the PL market with 46.5% of Ohio business.

record. It appears the rate increases and coverage changes carriers made in the Homeowners market

In comparison to the rest of the distribution

have paid off big time.

system, there was essentially no YOY market movement in Ohio’s PL space. This is a good sign

Last year we compared the Ohio Homeowners

for IAs in the highly commoditized PL market,

market to a rollercoaster ride. In keeping with that

particularly with the speculation and uncertainty

analogy, we are on the downhill of Cedar Point’s

of the impact AI could have on this line of

Top Thrill Dragster. The 74% loss ratio in 2025 is

business. While several industry news outlets have

19% below the 5-year average and shows why

communicated

Ohio has a reputation for being such a profitable personal lines state.

that

there

has

been

a

record

amount of online shopping in the PL space, it does

After multiple years of a

not appear that Ohio consumers are switching

hard market, the Homeowners' line of business is

their

getting back to a more consistent and stable line

distribution

choice

in

any

meaningful

manner. This further shows the resilience of the IA

of business.

model and that consumers continue to value an insurance advisor to provide an explanation and options

during

this

cyclical

insurance

market

rollercoaster.

In the Homeowners space, IAs continue to write 58% of the Ohio market. While the rate increases have subsided based on the recent UW results, depending on the amount of convective storm activity,

roof

claims,

and

increasing

property

values, we could see this change quickly.

Homeowners Markets Continues Growth by 9% Ohio’s Homeowners insurance market rounded out just under $5.1B in written premium, a 9% increase YOY. This makes up 19% of the greater $26.8B insurance

market

in

Ohio.

The

Homeowners

market has increased 34% in the past five years, holding firm with the rest of the insurance market.

23

After two years of triple-digit loss ratios (103% in

In addition, combined loss ratios appear to be on

2022 and 115% in 2023), carriers were able to

the decline again. 2026 will be a pivotal year to

produce an underwriting profit by decreasing the

see if this trend continues.

loss ratio by 23% in 2024 to a combined ratio of 92% and further reduced the loss ratio by another

Ohio’s Leading Homeowners Carriers Experience

18% down to 74% in 2025.

Significant Underwriting Results in 2025 A combination of year-over-year rate increases,

In the Homeowners line of business, commissions

strong retention driven by hard market turmoil,

for agents increased slightly to 13.2%, up from

and

13.1% in 2024. Surplus lines placement stayed at

exceed

0.1%

Ohio’s

targeting in 2025. The 9% increase in premium

admitted

across the Ohio Homeowners channel along with

of

the

market,

further

showing

Homeowners

market

is

where

one

markets write 99.9% of the business.

74%

moderate the

storm

activity

underwriting

combined

loss

helped

profits

ratios

carriers

they

created

were

record

profitability in the Homeowners line of business Five-Year Trends in Homeowners Show Signs of a

for many carriers.

Return to Stability and Profitability For three straight years, carriers increased written

State

premiums

(33%

tightened

market leader, controlling approximately 21% of

underwriting

restrictions,

the

new

the market in 2025. Their combined loss ratio of

business spigot, and non-renewed many homes

76.6% was a 30% YOY improvement from 2024

with aging roofs. The results have proven to be

and could allow them to leverage their market

successful.

position

and

reserves

to

business.

In

addition,

Allstate

since

2020), closed

off

Farm

remained

the

Ohio

Homeowners

generate

additional

maintained

its

As the graphs show below, premium increases

position as a solid #2 with over 10% of the market,

have been significant over the past 5 years, but

a

IAs have held steady in their control of their

impressive

market share.

Particularly impressive for Allstate is its five-year

21.5%

increase

in

combined

premium loss

YOY,

ratio

combined loss ratio in Ohio of 88.2%.

of

and

an

77.4%.

Similar

to

2024,

with

the

exception

of

two

On the bright side, several independent agency

carriers, eight of the top ten Homeowners carriers

carriers with unfavorable UW results from 2024,

experienced written premium increases between

saw significant improvements in 2025, including

5% to 26.4%. The two carriers that saw a decline

Erie (90.8% in 2025 vs. 108.5% in 2024), Westfield

in written premium were the same in 2025; Liberty

(70.7% in 2025 vs. 102.2% in 2024), and Ohio

Mutual (including Safeco and State Auto) saw a

Mutual (90% in 2025 vs. 115.5% in 2024).

9.3% reduction and Nationwide experienced a 2.4% decline.

The story on Ohio Homeowners UW results gets more

positive

when

compared

with

national

The top 20 carriers in Ohio continue to write 92%

averages as Ohio carriers enjoyed an average

of

combined

the

state’s

written

premium.

This

group

remained largely unchanged in 2025.

loss

nationwide

ratios

results.

11% For

lower

than

example,

their

Grange

outperformed its five-year national average by The IA carriers that performed exceptionally well

30% in Ohio, Cincinnati by 30.6%, Auto-Owners by

in 2025 included Grange, with a 5% premium

34.6%, Progressive by 14.1%, Westfield by 45%,

increase combined with a 71.2% loss ratio for the

Western Reserve by 26%, and Encova by 18.5%.

year. Other carriers with notable results include Encova

(85.4%

combined

(68.6%),

Cincinnati

ratio),

Insurance

Nationwide

(74.5%),

Auto-

Owners (69%), and Progressive (68.1%).

Top 10 Groups

1-yr DWP

1-year Premium Change

1-yr CR | 5-yr CR

State Farm

$1,082,312,000

12.50%

76.6% | 95.2%

Allstate

$617,914,000

21.30%

77.4% | 90.7%

Erie

$389,373,000

5.70%

90.8% | 107.9%

Liberty Mutual

$334,357,000

-9.30%

60.2% | 94.6%

American Family

$324,603,000

7.60%

68.3% | 91.2%

Grange

$237,527,000

5%

71.2% | 101.7%

Nationwide

$224,477,000

-2.40%

68.6% | 99.1%

Cincinnati

$214,858,000

13.10%

74.5% | 105.1%

USAA

$212,991,000

13.10%

73.4% | 95%

Auto Owners

$200,973,000

26.40%

69% | 103.6%

Total or Average

$5,102,502,000

9.40%

74.5% | 93.7%

25

Record Homeowners Underwriting Results Leads

It appears that IAs have weathered the worst of

to Rate Decreases

the Homeowners market, but it is unlikely to

With

the

41%

for

return to the pre-hard market environment. While

Homeowners, we expect to see carriers get more

carriers are expected to keep rates flat or possibly

competitive and potentially take significant action

reduce rates, we do not expect them to remove

with

the roofing coverage restrictions that have been

rates.

swing

For

in

example,

UW

in

profitability

May,

Nationwide

announced it was decreasing Homeowners rates

implemented over the past couple of years.

for Ohioans by 18%.

Therefore, agents should continue to make sure In addition, according to APCIA, US P&C carriers

their clients are well informed of the coverage

have returned over $6.2 Billion to policyholders in

changes

and

ways

Q1

keeping

their

premiums

2026

in

the

form

of

dividends,

premium

givebacks, and rate reductions.

to

reduce

exposure

affordable.

while

Proactive

communication and education are the best ways to stay on top of client engagement and reduce

Agents Must Proactively Stay Engaged with Their

the risk of your client going somewhere else for

Homeowners Clients

their insurance needs.

While the Homeowners market in Ohio had a phenomenal swing from 115% combined loss ratios

Much like the final stretch of a roller coaster, this

in 2023 to 74% in 2025, this is not a time for IAs

hard market cycle is quickly on the downhill,

to soften their communication and engagement

signaling a return to smoother conditions. Another

with their Homeowners clients. They must stay

year of underwriting profits and things will start

proactive in their education and annual reviews as

to feel normal again for Ohioans. So far, 2026 has

the imminent threat may not only be premium

been relatively similar for Ohio homeowners and

increases; it also is a changing expectation in

hopefully that continues through December 31st.

consumer

buying

behaviors

influenced

by

evolving technology and AI. 26

ALL-IN-ONE AGENT EDUCATION Visit the OIA Learning Portal at learning.ohioinsuranceagents.com

NEW! DESIGNATION: Accredited Insurance Lines Professional The Accredited Insurance Lines Professional (AILP) is a professional designation designed to support the development of agency staff.

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COURSE SCHEDULE From Assumptions to Accuracy: Reducing E&O Exposure in Daily Agency Operations with Vertafore July 15 | 12 to 1pm | 3 credits

Recognizing Fraudulent Claims and the Insureds Who File Them July 16 | 9am to 12pm | 3 credits

Power of Prevention: Essentials of Service

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July 17 | 9am to 12pm | 3 credits

Through a partnership with New Level Partners (NLP), OIA now offers practical, agency‑focused training that covers:

CGL Endorsements That Will Break Your Policy

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P&C PRE-LICENSING COURSES Get your team exam-ready. We have three distinct learning formats for P&C PreLicensing: hybrid-online, self-study, and in-person options.

Hybrid-course dates: Aug. 17-21 | Sept. 21-25

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C-Suite Savior: Mastering D&O, EPL and Other Executive Liability Policies July 21 | 1 to 4pm | 3 credits

Strategies for Hiring and Paying a New Producer July 22 | 12 to 1pm | CE pending

Understanding Commercial Property Gaps and Knowing How to Fill Them July 23 | 9am to 12pm | 3 credits

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Email: learning@ohioinsuranceagents.com

COMMERCIAL AUTO IN OHIO FROM TURBULENCE TO TRACTION By: Alex Bowie, Sr. Manager, Marketing & Communications

Commercial Auto in Ohio From Turbulence to Traction Written by: Alex Bowie, OIA Sr. Marketing and Communications Manager

After several years of rising costs, tightening underwriting,

and

uneven

results,

Ohio’s

For several years, carriers were playing catch-up –

commercial auto market is finally showing signs of stabilization.

But

while

the

numbers

adjusting rates to keep pace with escalating costs.

are

Now, that correction is starting to take hold. In

improving, the story is far from simple.

2025,

both

combined

ratios

and

loss

ratios

improved, signaling that pricing and underwriting Premium growth remains strong. In 2025, Ohio

discipline

commercial auto direct written premium reached

may

finally be aligning

$2.121 billion, up from $1.929 billion in 2024 and just $1.531 billion in 2021. Growth is not the issue.

with

the

underlying

risk.

At the same time, The

good

news:

underwriting

results

are

competition

beginning to rebound. The statewide combined ratio improved to 92% in 2025, down from a recent high of 97% in 2024. Loss ratios followed

remains

deep,

with

active

445

insurers

suit, improving from 66% to 61%.

writing

commercial

auto

in Ohio.

Still, the market remains sensitive. Loss severity, repair costs, and litigation pressures continue to

Even so, the market is far from uniform. Some

shape outcomes, and one favorable year does not erase

several

independent

years agents

of

strain.

continue

to

carriers are tightening. Others are expanding.

Meanwhile,

Some

dominate

are

prioritizing

profitability.

Others

are

chasing growth. That divergence is shaping the

distribution, accounting for roughly 90% of the

next phase of the market.

market. In a line of business this complex, their role as trusted advisors has never been more

Carrier Market Leaders in Ohio

important.

The Ohio commercial auto market is no longer moving in a single direction. It’s splitting into

Five-Year Trends in the LOB Market

distinct strategies – and the top carriers reflect

The past five years tell a clear story: a line under

that shift. Progressive Insurance Group continues

pressure, now beginning to recalibrate.

to anchor the market, writing $204.7 million in premium. While slightly down year over year

Premiums climbed steadily from $1.531 billion in

(-4.6%),

2021 to $2.212 billion in 2025, driven largely by

Progressive

maintained

strong

underwriting discipline with a combined ratio of

rate increases and exposure growth across key

86.9%, outperforming the statewide average.

industries like transportation and construction.

The Cincinnati Insurance Companies stand out as But underneath that growth, performance told a

one of the most balanced performers. With $137.3

different story. Combined loss ratios rose from

million in premium and a combined ratio of 83.4%,

84% in 2021 to 97% in 2024, while loss ratios

Cincinnati pairs growth (+8.2%) with profitability –

climbed from 53% to 66% over the same period.

an increasingly rare combination in this line.

29

Old Republic Insurance Group may be the most

Rounding

out

the

top

five,

Travelers

Group

disciplined of the group. Its 80.0% combined ratio

delivered steady, measured results with $75.8

is the lowest among the top five, demonstrating a

million in premium, +9.7% growth, and a solid

clear focus on underwriting performance while

83.1% combined ratio.

still achieving +17.1% growth.

This is a market of clear tradeoffs: On the other end of the spectrum, Berkshire

Growth vs. discipline

Hathaway Insurance Group represents a different

Expansion vs. profitability

strategy.

Market share vs. margin

Premium

surged

+98.2%

to

$132.0

million, signaling aggressive expansion. GEICO

And carriers seem to be choosing their path with

Marine

hopes of stabilization over time.

Insurance

Company

was

the

leading

insurer under this group, growing commercial auto premium from $28.2 million in 2024 to $78.8

Projections for 2026 and Beyond

million in 2025 in the Ohio market. However, a

Looking ahead, Ohio’s commercial auto market is

combined ratio of 107.5% indicates that growth is

entering a more balanced – but still cautious –

coming at the expense of short-term profitability.

phase.

Greg Abel, CEO, Berkshire Hathaway, shared in a

though at a more moderate pace. Much of the

letter to shareholders “The GEICO team remains

heavy lifting from recent years came from rate

focused

both

increases. Going forward, growth will depend

existing and new customers. Restoring retention

more on actual exposure and economic activity.

while maintaining underwriting discipline will take

But the bigger question remains: Can profitability

time,” according to carriermanagement.com.

hold?

on

pricing

risks

correctly

for

Premium

growth

will

likely

continue,

Top 5 Carriers

Premium ($)

Combined Ratio (%)

Growth (%)

Progressive Insurance Group

$240.7 M

86.9%

-4.6%

Cincinnati Insurance Companies

$137.3 M

83.4%

8.2%

Berkshire Hathaway Insurance Group

$131.9 M

80.0%

17.1%

Old Republic Insurance Group

$105.1

107.5%

98.2%

Travelers Group

$75.8 M

83.1%

9.7%

30

Even with improvement in 2025, the underlying

One constant remains: the independent agent.

cost environment is still challenging. Repair costs

With roughly 90% of the market, agents are at the

remain

complexity.

center of these conversations, helping business

Medical inflation continues to drive claim severity.

owners make sense of pricing, risk, and coverage

Litigation trends are not easing. These pressures

in an increasingly complex environment.

elevated

due

to

vehicle

mean carriers are unlikely to relax underwriting discipline anytime soon. In fact, the opposite is

The outlook? Cautiously optimistic. The market is

more likey. Expect continued selectivity.

improving – but it’s not comfortable yet.

Higher-risk classes, especially transportation and

What This Means for Agents

delivery

fleets,

will

remain

In today’s commercial auto market, conversations

Capacity

may

tighten

in

opening

the

door

for

under

certain

carriers

scrutiny. segments,

with

matter more than ever.

strong

specialization, or agents with the right market

Clients

are

seeing

rate

changes,

tighter

access.

underwriting, and shifting carrier appetites – and they want answers. The most successful agents

Technology will also play a bigger role in shaping

will be the ones who can clearly connect those

the next phase of the market. Telematics, driver

changes to broader market trends. Focus on what

monitoring, and data-driven underwriting are no

clients can control:

longer optional – they are becoming competitive

Driver safety programs

differentiators. Over time, these tools could help

Vehicle maintenance

bend the loss curve in a more favorable direction.

Use of telematics and monitoring tools

Economic

conditions

influence

At the same time, position yourself as a strategic

performance. As long as sectors like construction

partner by exploring multiple carrier options and

and

aligning coverage with each clients’ evolving risk

logistics

commercial

remain

auto

will

will

further

active, follow.

demand Any

for

slowdown,

profile.

however, could quickly impact exposure growth.

The

market

may

be

expertise is still the differentiator.

31

stabilizing,

but

WHEN IT COMES TO PERSONAL UMBRELLA COVERAGE

EXPERIENCE STILL MATTERS For more than 40 years, RLI has delivered affordable personal umbrella coverage backed by deep underwriting expertise and in-house claims professionals who manage each claim from start to finish.

Our Personal Umbrella Policy stands alone with no underlying carrier requirements, giving independent agents flexibility and customers confidence.

Rated A++ (Superior) by A.M. Best RLICORP.COM

With A++ (SUPERIOR) financial strength from AMBestandan A (STRONG) ratingfrom Standard&Poor’s, RLI offers thestability customersexpect when protectingtheir financial assets and future earnings.

This is not coverage built for the moment.

It is coverage built to last.

Discover the RLI difference in Personal Umbrella coverage and how it compares to the competition at OHIOINSURANCEAGENTS.COM

UTILIZE OIA’S GROUP RATING PROGRAM!

Strengthen your commercial accounts and leverage OIA’s Group Program benefits!

Sponsored by:

Power of Prevention Essentials of Service JULY 23 | 12 - 3PM | TWINSBURG, OH 3 HOURS OF FREE CE E&O PREMIUM CREDIT ELIGIBLE COMPLIMENTARY FOOD + DRINKS

Course led by: Scott Treen, CIC

Somebody has to come in second.

Make sure it’s not you.

There are no insurance MVP trophies, no best powerpoint awards, no fantasy broker leagues. You show up first with the best option for your client, or you lose. We never take this for granted. That’s why we leverage all of our people, data and relationships to reach one goal: We help you win.

We help you win.

DOWNLOAD YOUR 2026 OIA MEMBER GUIDE Review our comprehensive member guide to see what OIA membership can unlock for your agency’s growth and development!

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$35,000

AWARDED LAST YEAR FROM THE GEORGE HAENSZEL FOUNDATION SCHOLARSHIP FOUNDATION SCHOLARSHIPS ARE ELIGIBLE* FOR: VALUATIONS AND PERPETUATION SERVICES PROFESSIONAL DESIGNATIONS BUSINESS CONSULTING EDUCATION COURSES OIA-SPONSORED OR AFFILIATED EVENTS PRE-LICENSING EDUCATION INTERNSHIP SPONSORSHIP

APPLY AND TAKE THE NEXT STEP IN YOUR CAREER *Eiligibility restrictions apply

The Foundation Scholarship has empowered us to adapt and grow, allowing us to strategically plan for both the present and then uncertain future. It provided essential funding to reevaluate our agency from a leadership perspective.”

Grayson and Bethany Thompson Agency Owners Mission Insurance Agency

NOMINATE AN AGENT FOR AN OIA AWARD RECOGNIZE AGENT EXCELLENCE ACROSS: Industry Person of the Year Outstanding Company Achievement Excellence in Leadership Community Service Best Agency Video of the Year Public Service Culture Catalyst

WHO DO YOU KNOW THAT SHOULD BE NOMINATED?

AGENT EXCELLENCE Nominations close this August!

Visit ohioinsuranceagents.com/oia-awards-nominations

CRC Group is Your Ohio-Based Wholesale Insurance Solution.

CRC Binding provides solutions for property, casualty, professional lines, and transportation risks. With direct access to open-brokerage capabilities, in-house binding authority, and MGA facilities, or a combination of all three, brokers can tap into flexible solutions built to fit the risk.

That range of access is what sets CRC Binding apart.

LET’S TALK SOLUTIONS Our Ohio CRC Binding team is ready to help — connectwithanyofthecontacts listed to get started.

crcgroup.com ©2026 CRC Insurance Services, LLC CA Lic No 0778135.

COMMERCIAL

Tony Armor

Office President, Senior Team Leader 317.566.6100 tarmor@crcgroup.com

Ian Crook

Associate Team Lead 614.216.6122 icrook@crcgroup.com

Austin Cummings

Associate Team Lead O | 740.907.0057 C | 740.462.8932 acummings@crcgroup.com

THANK YOU TO OUR COMPANY PARTNERS

PLATINUM PARTNER

GOLD PARTNERS

SILVER PARTNERS

BRONZE PARTNERS Aegis General Insurance Agency Celina Insurance Central Insurance Grange Insurance Imperial PFS Jencap

Liberty Mutual/Safeco/State Auto Orion180 Pekin Insurance Secured Advantage Sedgwick Managed Care Ohio Selective Insurance

COPPER PARTNERS Acuity, a Mutual Insurance Company Agency Revolution Agency Software, Inc. Allstate/Encompass/National General American Collectors Insurance Angela Adams Consulting Applied Systems Argosy Risk Specialists Auto-Owners Insurance Co. Berkshire Hathaway Guard Insurance Companies Berkshire Hathaway Homestate Companies Bloss & Dillard, Inc Branch Insurance

The Cincinnati Insurance Companies Commonwealth Insurance Conifer Insurance Services Cover Desk EMC Insurance Companies ePayPolicy Equis Consulting FCCI Insurance Group First Choice, A MarshBerry Company First Connect Frankenmuth Insurance Grinnell Mutual

Hagerty Hanover Insurance Group, Inc. Harbor Risk The Hastings Insurance Company HawkSoft Client Management System Honeycomb Insurance Ideal Agriculture Independent Mutual Fire Insurance Company Indiana Farmers Insurance InsBOSS Ironpeak Keystone Agency Partners Keystone Insurers Group Live Oak Bank Loyal Christian Benefit Association (LCBA) Mennonite Mutual Insurance Company

National American Insurance Company (NAICO) Ohio FAIR Plan Osgood Bank Pennsylvania Lumbermens Mutual Seneca Insurance Company SIA Ohio Swiss Re Corporate Solutions Tokio Marine HCC USG Insurance Services Utica First Insurance Co Wayne Insurance Group West Bend Western Reserve Group W.R. Berkley Corporation Wright Flood XS Brokers

BUILT-IN SUPPORT STARTS HERE

E&O INSURANCE OIA’s E&O program has focused on protecting Ohio independent agencies for over 60 years. This longstanding commitment to safeguarding our members is a cornerstone of our business. Your agency’s insurance protection is important and deserves our exclusive focus. Our team has more than 50 years of experience in the E&O industry. Let us provide you with helpful information and support so you can select a policy that meets your requirements.

We assure you one thing – your agency’s protection will always be our #1 priority. Contact us today!

LEARN MORE

We had had such a long-term relationship with our previous carrier for this coverage.

However, the ease of doing business with OIA and their guidance calmed our insurance jitters.

- Kevin Perkins, Perkins Insurance

As your strategic partner, we’re here to help.

Jeff Smith, JD, CIC, CAE Chief Executive Officer (614) 552-3056 jeff@ohioinsuranceagents.com

Jodie Shaw, CLCS, CPIA Director of Business Development (614) 552-3036 jodie@ohioinsuranceagents.com

Joe Fullenkamp Chief Executive Officer Designate (614) 552-3064 joe@ohioinsuranceagents.com

Ashley Riley, API, PLCS Director of Risk Management (614) 552-3052 ashleyr@ohioinsuranceagents.com

Jody Geiger, MBA Chief Operating Officer (614) 552-3066 jody@ohioinsuranceagents.com

Brian Lawrence Sr. Director, Talent & Professional Development (614) 552-3048 brian@ohioinsuranceagents.com

Dawn Kuhn, CPA Chief Financial Officer (614) 552-3055 dawn@ohioinsuranceagents.com

Craig Niess, CVA, MBA Director of Business Planning & Valuation (216) 288-8409 craig@ohioinsuranceagents.com

Jeanie Giesler, CISR, CPIA Resource Center Advisor (614) 552-3054 jeanie@ohioinsuranceagents.com

Jarod Steed Business Planning & Valuation Analyst 614-552-3065 jarod@ohioinsuranceagents.com

George Christy Government Affairs Manager (614) 929-8237 rachel@ohioinsuranceagents.com

Ashley Fitzsimmons Director of Professional Development (614) 552-3043 ashley@ohioinsuranceagents.com

Rachel Davis Education Program Manager (614) 552-3086 rachel@ohioinsuranceagents.com

Katie Gratton, CIC, CISR, CPIA Account Executive (614) 552-3042 katie@ohioinsuranceagents.com

Stacy Rosenthal, CISR, CPIA Account Executive (614) 552-3058 srosenthal@ohioinsuranceagents.com

Teresa Hinkle Account Manager (614) 552-3063 teresa@ohioinsuranceagents.com

Valeria Ashcraft E&O Account Manager (614) 552-3049 valeria@ohioinsuranceagents.com

Alex Bowie Sr. Marketing and Communications Manager (614) 552-3068 alexb@ohioinsuranceagents.com

Colleen Elliott Marketing & Communications Manager (614) 552-3059 colleen@ohioinsuranceagents.com

Katherine White Governance Manager (614) 552-3051 katherine@ohioinsuranceagents.com

Buffy Terry Administrative Manager (614) 552-3066 buffy@ohioinsuranceagents.com

For general questions, please call our team at (800) 555-1742.

Navpreet Kaur Staff Accountant 614-552-3045 navpreet@ohioinsuranceagents.com

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Your future is our focus. If you have any questions about membership, please reach out to Jodie Shaw at jodie@ohioinsuranceagents.com.

Ohio Insurance Agents Association Inc. Phone: (800)-555-1742 Email: OIA@ohioinsuranceagents.com