Primary Agent - March 2025

MARCH 2025

Special Edition: CELEBRATING

WOMEN IN INSURANCE

BETSY TRIBENDIS AGENT. EDUCATOR. TRAILBLAZER. EXCLUSIVE MEMBER MAGAZINE

ALSO INSIDE MEET IA&B’S 2025 WOMEN OF INFLUENCE

SECURA’s team of insurance experts is making insurance genuine. They are here to support you and your clients. Our sales and underwriting teams are quick to reply, open-minded, and know their stuff. Plus they are backed by our caring claims group who will get your clients back on their feet.

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Contact us at secura.net/PA-agents

• Commercial • Specialty • Agribusiness

Hear from our experts Want to learn more about what SECURA has to offer?

Scan the QR code or visit secura.net/PA-agents for more information about the SECURA team.

MARCH 2025

CONTENTS FEATURED 8

of Influence > > > > 17

INTERVIEW WITH BETSY TRIBENDIS Betsy Tribendis, AAI, CIC, CPIW is president and owner of Walters Associates Inc., an IA&B member agency, and she is a long-time instructor for IA&B. Here she reflects on pivotal moments in her career and her pride in helping students entering the industry.

WOMEN OF INFLUENCE Meet seven remarkable IA&B members, recognized for contributions to their agency, community, and the independent agency channel.

JOIN US ON SOCIAL MEDIA: Facebook.com/IABforME LinkedIn.com/company/IA_and_B Instagram.com/IA.and.B YouTube.com/@IA_and_B IA&B Podcasts can be found at:

IA&B is the premier resource and champion for independent insurance agents in Pennsylvania, Maryland, and Delaware.

Periodical postage paid at Mechanicsburg, PA and at additional mailing offices. Postmaster: Send address changes to Insurance Agents & Brokers, 650 Wilson Lane, Suite 200, Mechanicsburg, PA 17055.

Primary Agent (ISSN 1543-3110), Permit # 638-620, Issue # 2025-03, is published monthly by IA&B Service Group Inc., a subsidiary of IA&B. Copyright 2025. All rights reserved. No material March be reproduced in whole or in part without written consent of the publisher. The information in this publication is general in nature and not intended to serve as legal, accounting, financial, insurance, investment advisory or other professional advice as to any reader’s particular situation. Users are encouraged to consult with competent legal, financial, insurance, investment advisory and/or other professional advisors concerning specific matters before making any decisions. We disclaim any responsibility for any decisions or actions by readers. Statements of fact and opinion in Primary Agent are the responsibility of the authors alone and do not imply an opinion on the part of the officers or the members of IA&B. Participation in IA&B events, activities and/or publications is available on a non-discriminatory basis and does not reflect IA&B endorsement of the products and/or services.

MONTHLY 2 CHAIR OF THE BOARD'S MESSAGE 3 CLAIRE-IFICATION 4 COVERAGE CORNER 6 NEWS & NOTES 14 PICS & POSTS 28 UPCOMING EDUCATION IABforME.com |

1

CHAIR OF THE BOARD'S MESSAGE

WE’VE COME A LONG WAY, BABY

INSURANCE AGENTS & BROKERS 650 Wilson Lane, Suite 200 Mechanicsburg, PA 17055

This edition of Primary Agent celebrates women in insurance.

And they’re definitely worth celebrating because where would we be without them? Literally!

IA&B BOARD OF DIRECTORS

Today, women represent almost 47% of the workforce. More than 39% work in occupations where women account for at least three-quarters of the staff. I would wager that the majority of servicing staff in your agency are women. Hopefully at least half of your agency’s leadership roles are filled by women, too (although the statistics show this is less likely).

Our industry’s hiring and talent shortages are challenging enough. Can you imagine a world where women didn’t contribute to the labor force, and to your organization?

It’s actually not that hard to picture. In my parent’s lifetime, a woman couldn’t get credit cards or a loan in her name without a man co-signing. A generation before that, it was almost unheard of to see a woman in college. In fact, women only have had the right to vote for 105 years, and it took Congress passing the 19th Amendment to the Constitution to make it possible.

We’ve come a long way, baby, but let’s not take it for granted.

At IA&B, we’re certainly not taking women or their contributions for granted. We’re highlighting some of our industry’s best at our third annual (sold out!) Women’s Conference on March 25 and in this magazine. Read the featured interview with Betsy Tribendis, an agency owner who has played a critical role in bringing new talent into the industry through insurance education. You’ll also find inspiration from seven additional IA&B Women of Influence honorees, who share their accomplishments and advice.

I am proud of IA&B’s efforts to support and celebrate women in insurance, and I look forward to witnessing women’s continued, positive impact on our industry.

Until next time,

191 Main Street, Annapolis, MD 21401 800-998-9644 | IABforME.com

OFFICERS Sarah Brown, CIC, CRM, AFIS - Chair

Keller Brown Insurance Services | Shrewsbury, PA

Andrew Enders, Esq. - Vice Chair Enders | Harrisburg, PA

MEMBERS Greg Bennett

Lisa Parry, CPIA

Kate Dawson, CPIA

Bill Purdy

Michael Gaetano

Kent Reynolds, CIC

Bruce D. Kraft, AAI, CIC

David Rivell, CIC, CRM

Debra McAfee

Jason Rodriguez, CIC

Michael McGroarty, Jr., CIC

Donna Roper

McGroarty & Bradburn Insurance Pittsburgh, PA

E K McConkey & Company York, PA

Shayne McIntosh, CIC

Ashley Stafford, CPIA

Famous & Spang Associates Aberdeen, MD Ferri Dawson Insurance Murrysville, PA The Hartman Group Montoursville, PA Arbor Insurance Group Allentown, PA

McAfee Insurance Agency, LLC Wilmington, DE

JPI Insurance Associates Dillsburg, PA

Chris Miller, CIC

Miller Insurance Protection Team Jonestown, PA

Parry Insurance Langhorne, PA

Purdy Insurance Agency, Inc. Sunbury, PA Blue Ridge Risk Partners LLC Hagerstown, MD Element Risk Management West Chester, PA Prominent Insurance Svcs Wilmington, DE

Williams Insurance Agency, Inc. Rehoboth Beach, DE

Michael Thomas

Lighthouse Insurance Svcs Gambrills, MD

Michael Papa, CIC, MBA Diversified Insurance Industries, Inc. Hunt Valley, MD

NATIONAL DIRECTORS Mike Ertel (PIA)

The Jacobs Company | Columbia, MD

Sarah Brown, CIC, CRM, AFIS Chair of the Board

Diana Hornung, CIC (IIABA)

IOA National, Inc. | Wilmington, DE

Mark Monroe (IIABA)

Element Risk Management | West Chester, PA 2

MARCH 2025

CLAIRE-IFICATION

CLAIRE-IFICATION IA&B Vice President - Advocacy Claire Pantaloni, CIC, CISR Are you a member with a question?

Contact Claire to find the answer at 717-918-9202 or ClaireP@IABforME.com.

agency’s phone system can record phone conversations. There is QUESTION: Our a message for incoming calls that the conversation may be recorded.

Is there a requirement for outgoing calls also?

ANSWER: Recording phone calls in agencies has become mainstream, and the recordings can be useful in an E&O defense. However, certain conditions apply when recording calls, and many agencies only address half of them.

Let’s consider those requirements: Notification: Do you need to tell your customers that the conversation may be recorded?

For our three states (i.e.

Pennsylvania, Maryland, and Delaware), the answer is “yes.” This is because all three states are “twoparty consent” states1, which means that both parties to the conversation must be informed that it is being recorded. If your agency records conversations, then when a person calls your agency, that person must be informed that the conversation will be recorded. You can do so by simply having a message in your automated attendance line stating that “the call may be recorded for quality assurance purposes,” or something to that effect. If the call is answered by a live person, the message should be given then.

Consent: Once they are notified, do you need to request explicit consent before recording the conversation?

No, not really. In our three states, consent can be implied by the person’s actions. In other words, when you initially notify individuals that the conversation may be recorded and they decide to stay on the line, the law considers that the individuals have consented to the recording.

What about outbound calls?

The duty to notify individuals that the call is recorded applies to all calls, not just inbound ones. While it may seem awkward to start an outbound call with the fact that the conversation is recorded, it is actually the way to comply with the requirement. Note that it can be done in a discreet and unintrusive way by simply making it part of the introduction. For example, “This is John Doe with the ABC Agency calling on a recorded line.” I will add that of the hundreds of calls I receive, only once did a member IABforME.com |

start the conversation that way. I’m sure many of the agencies recorded the call as a matter of course. Food for thought!

The majority of states are actually “one-party consent,” which means that as long as one of the parties taking part in the conversation knows that the conversation is being taped, the recording is permitted.

1

This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice.

Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Insurance Agents & Brokers nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.

Rather listen?

Also available in audio format at IABforME.buzzsprout.com

3

CLAIMS MADE POLICIES – AS EASY AS 1, 2, 3

By Cathy Trischan Most liability coverage is written on an occurrence form basis. In the majority of Commercial General Liability policies, for example, the policy in effect when the bodily injury or property damage occurs responds to the claim. When the claim against the insured is made does not determine whether coverage applies. Claims Made policies are different though, and while this form of coverage can create confusion for insurance professionals and their clients, it can be as easy as 1, 2, 3.

Determining whether coverage under a Claims Made policy is triggered involves three simple steps. Before we get to the steps, 4

▲ For a claim to be covered, the wrongful employment act must occur on or after the retroactive date. The retroactive date is normally the effective date of the first policy written, and it is important that the retroactive date be maintained on any renewal or replacement policy. Some policies are written without a retroactive date; we say those policies provide “full prior acts” coverage.

ERP is often referred to as a “tail.”

Many policies include a short, automatic ERP (e.g., 30-60 days).

A longer ERP can be purchased within a short time after policy expiration (e.g., 30-60 days).

Policies typically include options for the purchase of ERPs of various lengths, with premium expressed as a percentage of the annual premium. This longer ERP applies to claims first made against the insured during the ERP. It does not provide coverage though, for acts that happen during the ERP. Examples of situations where a longer ERP is needed include:

▲ An ERP extends the time during which claims can be made. An

• Coverage is cancelled or non-renewed.

though, it is important to understand two concepts: retroactive date and extended reporting period (ERP).

We’ll use Employment Practices Liability coverage as an example.

MARCH 2025

COVERAGE CORNER • A retroactive date is advanced on renewal.

▲ Policy A – Effective 1/1/23-24 – retroactive date of 1/1/23

• Claims made coverage is replaced with occurrence form coverage.

▲ Policy B – Effective 1/1/24-25 – retroactive date of 1/1/23

Now, steps 1, 2, 3!

Step 1. Was the claim first made against the insured during the policy period or during any applicable ERP? If no, coverage does not apply. If yes, proceed to Step 2.

Step 2. Did the covered act take place on or after the retroactive date? If no, coverage does not apply.

If yes, proceed to Step 3.

Step 3. Did the covered act take place before the expiration date of the policy? If no, coverage does not apply. If yes, the Claims Made policy has been triggered.

Keep in mind that triggering coverage doesn’t necessarily mean the claim is covered. Policy coverage must still apply to the claim presented, and all conditions must be complied with. Many Claims Made policies, for example, require that the claim first be made against the insured and reported to the insurer during the policy period. Policies with that requirement are called Claims Made and Reported policies.

Let’s use an example to illustrate the steps.

The named insured fires an employee on 6/1/2023. A claim for wrongful termination is first made against the insured on 6/1/2024, and the insured immediately reports it to the insurer.

Claims Made Employment Practices Liability policies as follows were in place:

▲ Policy B was not renewed, and no ERP was purchased.

Which policy, if any, would respond to the claim?

Step 1 – The claim was first made against the insured on 6/1/2024, during the term of Policy B. Proceed to step 2.

Step 2 – The termination took place on 6/1/2023, which is after the 1/1/23 retroactive date of policy B. Proceed to step 3.

Step 3 – The termination took place on 6/1/2023, which is before the 1/1/25 expiration date of policy B. As long as coverage under Policy B applies to the claim and all conditions have been complied with, Policy B covers the claim!

Understanding how Claims Made policies work and explaining this to a client can be easy if you follow 1, 2, 3!

Til next time!

Cathy Trischan, CPCU, CRM, CIC, ARM, AU, AAI, CRIS, MLIS, TRIP is IA&B’s commercial lines education consultant. She works with our CIC and CISR programs, as well as our live CE webinars. Catch her at one of our upcoming courses: IABforME.com/education

Rather listen?

Also available in audio format at IABforME.buzzsprout.com

LIVE CE WEBINAR

|

Let’s consider a few other scenarios using the example above.

Learn more from author Cathy Trischan, who teaches this upcoming live webinar.

▲ What if the termination happened on 6/1/2022? Even though the claim was first made against the insured during the term of Policy B, coverage does not apply. The termination happened prior to the 1/1/23 retroactive date.

I PAY WHAT? HOW COMMERCIAL POLICY DEDUCTIBLES WORK

▲ What if the claim was first made against the insured on 12/1/25?

There is no coverage because the claim was not first made against the insured during any of the policy terms. Had an ERP been purchased after Policy B expired, coverage under Policy B would have been triggered.

IABforME.com |

MAR 20 2 - 3 PM

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PA/DE: 1 GEN MD: 1 PC

IA&B Members: $25 (save $30!)

Non-Members: $55

Register today.

IABforME.com 800-998-9644, option 1

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NEWS & NOTES

RECORDED WEBINAR: INSURING CAREERS CERTIFICATION PROGRAM Do you have a new employee who is just starting in the industry and needs licensed? Let IA&B help you develop and prepare them for the licensing exam and more through the Insuring Careers Certification Program (ICCP) – the perfect program for newcomers to the insurance industry.

Learn how your agency can benefit from the ICCP from our recorded introductory webinar, presented by IA&B VP-Membership Tim Wonder, Education Senior Director Jessica McWilliams, and Director of Career Services Heather Ulrich. The webinar also features IA&B Education Consultant Cathy Trischan who designed the ICCP curriculum.

Watch the recording and learn more about ICCP. IABforME.online/insuringcareers-agencies

Questions about ICCP? Contact IA&B Career Services Director Heather Ulrich, 800-998-9644 ext. 407 or HeatherU@IABforME.com.

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MARYLAND COASTAL MOBILE HOME COVERAGE

HOW TO SIGN UP FOR FLOOD INSURANCE REFERRALS

The Maryland Insurance Administration (MIA) last October held a hearing on the decreasing availability of Coastal Mobile Home insurance, in which IA&B and a number of members participated.

Ensure that consumers interested in flood insurance know that your agency can assist them. FEMA recently unveiled a new National Flood Insurance Program (NFIP) direct-to-consumer quoting tool.

The initiative is part of recent efforts to increase take-up rates of flood policies.

As a result, the MIA recently issued a report which states that the Maryland Joint Insurance Association (MDJIA) amended its program rules, making more properties eligible for coverage. Specifically, the eligibility requirement that a structure located within the city limits of Ocean City be built in substantial compliance with the Southern Standard Building Code has been removed.

While it will not solve all current issues for owners of mobile-homes, this amendment may provide relief to a few, while other risk mitigation measures are being investigated to try to further expand eligibility.

PENNSYLVANIA ACCIDENT SURCHARGE CAP TO INCREASE Effective July 1, 2025, the Pennsylvania Insurance Department will increase the accident surcharge dollar threshold to $2,250.

Auto insurers cannot penalize policyholders whose aggregate claim cost over a three-year period does not exceed the cap.

MARCH 2025

After completing an online quote using the new tool, consumers will be sent to a referral list of independent agencies to complete their purchase. (Consumers cannot use the tool to purchase flood insurance without going through an independent agent.)

To appear in the referral list, agencies must sign up: pivot.fema.gov/pivot/ web-portal/#/agency-registry/ registration/terms

CHANGE IN CERTAIN COASTAL PROPERTIES’ ELIGIBILITY FOR NFIP If you have or could have clients with coastal properties, take note of the Bolstering Ecosystems Against Coastal Harm Act (BEACH Act).

Late last year, the BEACH Act was enacted to reauthorize the Coastal Barrier Resources Act and modernize its maps. In the process, a number of properties that were previously ineligible are becoming eligible for the National Flood Insurance Program (NFIP). ▲ Some properties are added to the Coastal Barrier Resources System (CBRS) but are becoming eligible if the structures are built prior to Nov. 25, 2025. Beyond that date, they will no longer be eligible for the NFIP. ▲ Some properties are removed from the CBRS altogether and becoming eligible for the NFIP as well.

Maryland and Delaware are among the states impacted by this change.

A tool is available to identify whether specific properties are within or outside of the CBRS by using the BEACH Act Viewer and the CBRS Validation Tool in particular.

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To access these tools and learn more, visit IABforME.com and search “BEACH Act.”

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Q&A with

BETSY TRIBENDIS, AAI, CIC

Betsy Tribendis, AAI, CIC, CPIW is president and owner of Walters Associates Inc., an IA&B member agency located in Forty Fort, PA. She is also a long-time instructor for IA&B and mentor to professionals entering the independent insurance industry.

Q. Tell us how you got your start in the insurance industry

Q. Looking back on your career, what professional

and how your career progressed.

accomplishment(s) are you most proud of and why?

A. Growing up, my father owned an insurance agency;

A. Earning my designations in the early 1980s

however, that was not the career path I had envisioned

really stands out to me as one of my biggest

for myself…. I was enrolled in college with a major in professional photography. I got sick and had to withdraw for the semester. The classes were sequential, so I couldn’t return to school for a full year. During that time, my dad

accomplishments, as my abilities at the time were underestimated by my competitors.

I remember presenting a proposal to a prospective

asked me to help him out temporarily at his insurance

insured. I had quoted this account with a very innovative

agency. I never left…. Here I am over 50 years later!

carrier that included coverages in their package policy that In the beginning I mainly did filing and other clerical

no one else was doing at that time. The prospect liked the

duties. I thought, if I’m going to be here for months

proposal and told his agent that he was going to be placing

before returning to school, I should learn more about the business. I went to a three-week insurance school offered by one of our carriers. By the time the class was done,

When he looked at my proposal, he stated I was wrong for including certain coverages and proceeded to tell him,

I knew I wanted to stay in insurance. I ended up doing

8

his coverage with me. His agent asked to review the quote.

pretty much everything in the agency from bookkeeping

“Betsy is a nice girl, but I don’t know how much she knows

to service and sales. As time progressed, I became a part

about insurance.” Honestly, that comment is what spurred

owner, and now I’m the sole owner of the agency.

me to earn my designations and earn them in a pretty MARCH 2025

Featured Woman of Influence quick fashion. My underwriter confirmed in writing that

I love being the one to help start new people in their

my proposal was accurate, which I showed to the client,

insurance career. I try very hard to show them my passion

and I wrote the account.

and love for the business. I take pride in the fact that I may have played a small part in helping young insurance

Around that time, our local Independent Insurance

professionals launch their career.

Agents Association started offering courses for a new designation, Accredited Advisor in Insurance (AAI). The

Q. You’ve been an instructor for many years, so you

instructor for those courses was the agent who made

must have some interesting stories! What’s the funniest

the comment to my client. I made sure that I received an “excellent” on my exams. The following year I completed my CIC designation and passed all five exams on my first attempt. I believe that earning these designations helped prove I was an insurance professional.

– or most memorable – thing (that you can share!) that happened while you were teaching?

A. My most memorable class would be “the fire class” that took place in April 2024. We completed day one of our three-day class, and that night at around 2 AM the fire

Another moment that stands out for me was when I was elected as the first woman president of our local Independent Insurance Agents Association of Wyoming Valley. Up until that time, the only position a woman had

alarm went off in the hotel where most of the class was staying. Someone was running through the hall yelling, “This is not a drill. You need to evacuate now!” So we evacuated. Some came out in pajamas, some in shorts, others were shoeless.

ever held was secretary. I was honored to have been elected president by my mainly male colleagues. This was

As I walked around to the front of the hotel, I saw flames

a time when our local association was very active and had

shooting out of a third-floor window. More fire engines

more than 30 member agencies.

showed up than I’ve seen in parades! At that point, I figured we were not going to be able to get back into the building anytime soon. I called Jess McWilliams from IA&B

Q. What prompted you to begin teaching

and told her our situation. We met up at the hotel across

insurance courses?

the street and decided that the class would have to be

A. From the beginning of my insurance career, I had an interest in insurance education and thought about becoming an instructor. I was on the education committee for the Independent Insurance Agents of Pennsylvania [a precursor to IA&B], which provided

postponed until the following week.

The following week after the first day of class, Jess and I went out for dinner. When she brought me back to the hotel, there were fire engines at the new hotel. Everyone had been evacuated and was outside once again! This

education classes for the insurance industry at that time. I

time the fire alarm was triggered by an overheated dryer.

knew an E&O instructor who indicated that he was going

Thankfully, we were allowed back in the hotel within 45

to retire. I wanted to fill that role, so I took several train-

minutes. To have two evacuations in two separate hotels

the-trainer classes and became an approved instructor

for the same class was just CRAZY!

for the association’s E&O program. That started my teaching career.

Continued on page 11 IABforME.com |

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Continued from page 9 Q. As an agency owner and insurance educator, you

It’s essential in making the client feel valued. This is what

have a unique perspective on our industry. What do you

differentiates the independent agency and promotes

consider the biggest opportunity and threat facing the

customer loyalty.

independent agency system?

People today are always seeking instant gratification.

A. I believe there’s an increasing demand for personalized

One of the industry’s biggest threats plays right into this

service. The major players in the industry are using one-

trend. There has been a marked increase in direct-to-

size-fits-all mass marketing and impersonal automation

consumer insurance providers. These companies often

to attract customers. Pricing is all they talk about. I think

offer lower prices, streamlined online experiences, and

there is huge opportunity for those agents who are

policy purchase in one short, online session. We are seeing

positioned to provide personalized service.

more clients taking this approach and moving away from

This service starts with establishing relationships with our

are missing is our expertise and guidance in seeing that

clients. From there we can provide customized insurance

they get the proper coverage for their individual situation.

solutions. To provide personalized service, we also have to

That brings us back to one of our biggest opportunities

embrace technology. By doing so, agents can work more

– personalized service! We need to make sure our clients

independent agencies. In that online purchase, what they

efficiently, be faster, and find better solutions for their clients. However, we must maintain that human contact.

understand the benefits of working with an independent agent and show how valuable our advice and services are.

Q. What advice do you have for young people – in particular, young women – who are beginning their career

Progressive would like to congratulate Woman of Influence Betsy Walters Tribendis, AAI, CIC

as an independent agent?

A. Start your insurance education early. The best agents are the most informed ones. Take the time to understand what you are really selling. Read the policy and understand it! This will build your confidence, as you need to believe in yourself.

Try to find a mentor. Don’t be afraid to ask questions.

Establish relationships with your underwriters. If you put the work in, success will follow.

Q. When you’re not working, how do you enjoy spending your time?

A. I really enjoy spending time with my family and going to sporting events, especially those of my grandkids. I love having dinner with friends, quiet time reading on the porch, and watching a good movie with my husband, Mike, and dog, Dozer, sitting by my side.

IABforME.com |

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MARCH 2025

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IABforME.com |

13

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MARCH 2025

Women of Influence

of Influence Women have made valuable contributions to the independent agency system for generations. Their roles have evolved over the years, with women now represented in positions of service, sales, and – with growing equality – leadership.

In this issue of Primary Agent, we acknowledge women for the positive impact they make on those around them. On the following pages, we highlight seven remarkable IA&B members – the 2025 Women of Influence – for contributions to their agency, community, and the independent agency channel.

Meet the 2025 Women of Influence beginning on page 21.

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Thank You

to Our Sponsors The 2025 Women of Influence will be recognized at the IA&B Women's Conference, on March 25 in Lancaster, PA. We offer our sincere thanks to the companies listed on the next page for their generous support of this year's Women's Conference and Women of Influence recognition program.

EDUCATION

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Register for the best insurance education!

We have in-person, live webinar, and on-demand classes to fit your schedule.

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TO REGISTER ▲ CALL: 800-998-9644, OPTION 1 ▲ ONLINE: IABFORME.COM 18

MARCH 2025

Women of Influence

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CONGRATULATIONS,

Maureen!

Congratulations Markell BENEFITS | COMMERCIAL | PERSONAL Salisbury 410.742.5111

Easton 410.822.7300

Seaford 302.536.9470

Milton 302.684.3413

Selbyville 302.316.6565

Congratulations

Maureen R. Cody, AAI, CISR Avery Hall | Salisbury, MD

IA&B’s

Women of Influence 2025 Recipient Brethren Mutual congratulates Maureen on her many contributions to the insurance industry and long-standing commitment to the community.

We are proud to call Maureen our agency partner!

149 N. Edgewood Drive, Hagerstown, MD 21740 | 800.621.4264 | bmic.com

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MARCH 2025

Women of Influence

Laura Bren, CIC, ASLI

Maureen R. Cody, AAI, CISR

Job title: President Agency: Deeley Insurance Group

Job title: Account Executive/Vice President of New Account Executive Development

Location: Willards, MD

Agency: Avery W Hall Insurance What professional accomplishment are you most proud of?

My proudest accomplishment is our agency in this moment. Seeing the team of professionals we’ve assembled and their unwavering commitment to make a positive impact for our clients, our community, and each other. That makes me pause and say, “I think we’ve got it.” We’re creating a destination workplace, our culture is vibrant and authentic, and when you work with us – as a client or employee – you feel the difference.

What words of wisdom would you offer young women just beginning their insurance careers?

Earn your seat. Surround yourself with people who challenge you, hold you accountable, call you out when you are wrong and celebrate you when you get it right.

Be for each other. When your team wins, you win. Be generous with your support and encouragement.

Stay curious. Ask why and why not. Even when things are awesome, your insight can help make them better.

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Location: Salisbury, MD What professional accomplishment are you most proud of?

My 37 years in the industry have allowed me the opportunity to work in various roles within my agency. I’ve met many people, assisted clients in different industries, as well as mentored and trained incoming employees.

The strong relationships I built and nurtured with clients and fellow agents helped to aid in business retention and cultivate the caring, knowledgeable staff at Avery Hall.

Watching the growth of our team and our clients’ peace of mind has been a point of pride in my career.

What words of wisdom would you offer young women just beginning their insurance careers?

Insurance is an exciting, ever-changing industry and can be very rewarding. Build strong relationships, network, and seek a mentor. Don’t let the intimidation of being a woman prevent you from becoming a leader in the industry; instead, use your voice, skills, and perspective to make a difference in the lives of others.

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CONGRATULATIONS TO OUR VERY OWN

Ashlea Harhigh for winning the prestigious IA&B Women of Influence Award! Your dedication, excellence, and exceptional personal care inspire us all.

We are incredibly proud of you!

EPICBROKERS.COM © 2025 Edgewood Partners Insurance Center. All rights reserved. | CA License: 0B29370 © 2025 Edgewood Partners Insurance Agency. All rights reserved. | NY License: BR-823900

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MARCH 2025

Women of Influence

Ashlea Harhigh, CPCU, CIC, CISR

Jenna Kolb Job title: Executive Director of Commercial Operations

Job title: Account Executive

Agency: Liberty Insurance Agency

Agency: EPIC Insurance Brokers & Consultants

Location: Pittsburgh, PA

Location: Camp Hill, PA

What professional accomplishment are you most proud of?

What professional accomplishment are you most proud of?

My biggest accomplishment has been learning and growing in each of the commercial service roles that I’ve filled. I started fresh out of college sorting mail at an agency and have worked as a commercial account assistant, commercial account administrator, and now an account executive working directly with clients. Each role has been key to my development and helps me serve my clients in the best way possible now.

What words of wisdom would you offer young women just beginning their insurance careers?

My advice would be to lean in and add value where you can. You may not be the smartest insurance mind in the room, but you can provide a fresh set of eyes on processes and procedures that may not have been reviewed in a long time. The fresh eyes are your superpower – use them, and don’t ever be afraid to speak up.

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With nearly 22 years in the industry, I take great pride in the progression of my career, which began as a file clerk and has evolved into managing a large team and overseeing commercial operations in close collaboration with our president. I am deeply grateful for the invaluable connections I’ve made, the mentorship that has shaped my journey, and the sense of purpose this role and industry continue to provide.

What words of wisdom would you offer young women just beginning their insurance careers?

Embrace your unique perspective and confidently use your voice. Don’t be afraid to claim your seat at the table, share your ideas, advocate for yourself, and contribute boldly to the conversation. The only limits to your success are the ones you place on yourself; never let a perceived ceiling hold back your ambitions. You have the power to shape your own path and create a lasting impact.

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CONGRATULATIONS 2025 HONOREE, Ann Gallen Moll!

WOMAN OF INFLUENCE

EDUCATION

ADVOCACY

RESOURCES

8 G R E AT M E M B E R B E N E F I T S 1) Legal & Compliance Resources

5) HR & Hiring Solutions

2) Classes & Online Training

6) Insurance for Your Agency

3) Marketing, Branding & Websites

7 ) Industry News

4) Political Advocacy

8) Market Access & Carrier Relations

QUESTIONS? CONTACT TIM WONDER, IA&B VP-MEMBERSHIP 717-918-9223 | TIMW@IABforME.COM 24

MARCH 2025

Women of Influence

Markell Kunigus, CPCU, AU, AIS

Ann Gallen Moll, CIC

Job title: Vice President / Partner

Agency: Gallen Insurance, a McConkey Company

Job title: Supervisor

Agency: The Hartman Group

Location: Shillington, PA

Location: Montoursville, PA What professional accomplishment are you most proud of?

Developing a structured new hire training program, intended to transform insurance rookies and experienced insurance professionals into effective members of the Hartman team. The program is a mixture of self-study and on-the-job training with our extraordinary staff, focused on gaining needed insurance, carrier, and agency process knowledge. This program has empowered existing staff to become leaders within the team, while effectively integrating new staff into our organization.

What words of wisdom would you offer young women just beginning their insurance careers?

The first few years of your career should focus on learning, growing, and gaining experience. Embrace the learning curve and trust that each step of the process contributes to your professional development. Allow yourself space to make mistakes, ask questions, and continuously learn from your experiences. Self-assess regularly to track progress and adjust learning based on self-assessment.

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What professional accomplishment are you most proud of?

Leading our family-owned independent insurance agency for 40 years has been an incredible journey. I’m most proud of mentoring my team — helping them grow their interpersonal skills, earn insurance designations, and deepen their industry knowledge. Our commitment has always been to serve clients and carriers with honesty and integrity.

What words of wisdom would you offer young women just beginning their insurance careers?

Choose an employer and supervisor who believe in you and are willing to invest in your future through education and mentoring. Use all available opportunities to develop your skillsets and grow as an individual and member of your team. Look for opportunities for advancement and have the confidence to put yourself in a position to be noticed.

Give back to your community through volunteering for your local not-for-profits. If you choose to get involved, you will be rewarded both personally and professionally.

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Women of Influence

«

i Na

2025 I

Patty Walker, CIC Job title: Operations Manager Agency: Williams Insurance Agency Inc. Location: Rehoboth Beach, DE What professional accomplishment are you most proud of?

My continual growth within the agency. I started as a back-up receptionist before moving onto commercial lines service, Large Accounts Senior Account Manager, Commercial Lines VP, commercial sales, and ultimately Operations Manager and Consultant. Amid these changes, I obtained my CISR and CIC designations. Every step of the way has been a testament to the opportunities available within our industry if you work hard, educate yourself, and strive for excellence.

What words of wisdom would you offer young women just beginning their insurance careers?

As women, our nurturing nature can serve us well in this industry where service is so important. I want young women to know that you can have a great career in the insurance industry. There are so many opportunities at the agency and company level. Be willing to learn, become educated, and always keep yourself open to opportunities. Don’t be afraid to fail, and you will be successful!

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EARN CE WITH IA&B

E D U C AT I O N SCHEDULE MARCH 2025

NEW MEMBERS Forward Thinking, LLC Media, PA People Primero Agency Palmyra, PA

Register today! 800-998-9644, option 1 IABforME.com/education

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WELCOME

CLASSROOM DATE TOPIC

LOCATION

Mar 12

Mechanicsburg, PA

CISR-Elements of Risk Management

LIVE WEBINARS DATE TOPIC

TIME

Mar 5

CISR-Life & Health Essentials

8 AM-4:15 PM

Mar 6

Liar!: An Agent's Role in Identifying & Handling Fraud

1-4 PM

Mar 11-12 James K Ruble Graduate Seminar

8 AM-5:15 PM

Mar 11

Transportation Insurance: A Non-Standard Business Exposure

9 AM-12 PM

Mar 11

Emerging Risks That Make You Wonder

1-4 PM

Mar 12

CISR-Personal Residential

8 AM-4:15 PM

Mar 13

Homeowners Endorsements Insureds Don't Want (But Do Need)

9 AM-12 PM

Mar 13

Hour w/ Nicole: Personal Lines: Read the %^&* Form!

2-3 PM

Mar 18-20 Property & Casualty Licensing Study Course

8 AM-5 PM

Mar 18

How It’s Built, How It’s Used, Will It Survive: Elements of Property Underwriting

9 AM-12 PM

Mar 18

Why Inadequate EPLI Will Close Your Business

1-4 PM

Mar 19

CISR-Agency Operations

8 AM-4:15 PM

Mar 19

Reasons Personal Lines are Broken (and What to Do About It)

1-4 PM

Mar 20

Hour w/ Sam: Commercial General (CGL) vs. Farm Liability

11 AM-12 PM

Mar 20

Hour w/ Cathy: How Commercial Policy Deductibles Work

2-3 PM

Mar 25

Disaster Planning & Business Continuity (Special Topic CPIA course) 8 AM-4 PM

Mar 25

Business Auto and Commercial Property Edition

9-11 AM

Mar 25

Ethics in Insurance - Protecting the Client and the Agency

1-4 PM

Mar 26

CISR-Commercial Property

8 AM-4:15 PM

Mar 26

Hour w/ Dave: E&O: Talking Exposures with an Attorney

2-3 PM

Mar 27

Understanding Commercial Property Gaps and How to Fill Them

1-4 PM

MARCH MARCH2025 2025

For information about membership or benefits, contact: Tim Wonder, VP-Membership 717-918-9223 TimW@IABforME.com

VISION A thriving independent insurance agent community.

MISSION STATEMENT To serve as a driving force to champion independent agency success by educating, consulting, advocating, and fostering community in Pennsylvania, Maryland, Delaware, and beyond.

PRIMARY AGENT Editor: Karen Robison KarenR@IABforME.com 717-918-9209 Contributing editors: Jennifer Ross, Megan Fioretta, Sarah Haas Sales Account Executive: Rebecca Sieg | 717-430-2351 rebecca.sieg@theygsgroup.com

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