Issuu

THE TENNESSEE

INSUROR

Battle Bagley III

2026 Big I Tennessee President

Battle Bagley III

November | December 2025 Volume 36 | Number 6

10 18

Insurfest 2025 in Photos

Congratulations 2025 Agent Award Recipients

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THE TENNESSEE

INSUROR Volume 36 | Number 6 November | December 2025 Phone 615.385.1898 Toll Free: 1.800.264.1898 Email: marketing@insurors.org Editor: Kristen Gulson Publisher: MarketWise, Inc

INSURORS OFFICERS

President .......................................................................Bobby Sain IIABA National Director ........................John McInturff III, ARM VP Region I, President-elect .............Battle Bagley, III, CIC, CPA VP Region II .................................................................Portis Tanner VP Region III ................................................................Kevin Ownby Treasurer ......................................................Richard Whitley, CIC Secretary ................................................................Brandon Clarke Director, Region I ............................................Andrew Maddox Director, Region I ............................................Pam Lofton-Wells Director, Region I ............................................Sam Bradshaw, IV Director, Region II ................................. Matt Felgendreher, CIC Director, Region II ................................................... Jessica Govic Director, Region II .....................................Cameron Winterburn Director, Region III ...................................................Josh Gibbons Director, Region III ....................................................David Clark Director, Region III .................................................. Stuart Oakes Director, Young Agents ...................................Clark Kelman, CIC Immediate Past President ................. Kym Clevenger, CPCU

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

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

The Tennessee Insuror

Battle Bagley III 2026 Big I Tennessee President

Insurfest 2025 in Photos

Congratulations 2025 Agent Award Recipient

Recognition for Service 2025 Recipients

departments 23

From Your President The Future Is in Good Hands

From Your Executive Director I Am Pleased to Report to You That 2025 Was a Successful Year

Tennessee Young Agents '25 Young Agent Spotlight - Larry Crum III • Larry E. Crum & Associates

Partners for Tennessee - Thank you for your support!

Safety and Risk Management Waking Up to the Risks of Drowsy Driving and the Solutions at Hand

Your Big "I" - Advocacy in Action: What 199A Means for Independent Agencies - Big "I" Alliance Gold - 5 Predictions for the Insurance Industry in 2026

Association Update

Company Briefs

Education Calendar

Meetings - Mark Your Calendars

Directory of Advertisers

Your Big "I" What's New on Agency Nation Radio?

Battle Bagley III 2026 Big I Tennessee President As has been the case for more than 130 years, we will once again welcome a new President to help guide and lead the Insurors of Tennessee in 2026. In our recent history, the changing of the guard takes place at the start of each new calendar year. In the more distant past the term of the association presidency was for two years. This change in leadership along with orderly rotation of a select number of board members on a prescribed schedule enables the perpetuation of the association and propels the association forward each year. As we thank Bobby Sain of Bolivar Insurance & Real Estate for his exceptional service to the Insurors of Tennessee as association President this past year, we welcome Battle Bagley III as incoming President. It should be noted that the President and other members of the board are not compensated and give of their time, talent, and resources all in service of this historic association and the insurance industry in Tennessee. By any measure, the leadership and members of the board have been essential to the Insurors of Tennessee’s long success of building a robust independent agency system and healthy insurance industry in our state and beyond. To them all, we owe a debt of gratitude. Now we have the opportunity to get to know Battle Bagley III as the incoming President of the Insurors of Tennessee. Battle comes to us from Bagley & Bagley Insurance located in Fayetteville, Tennessee. Battle comes from a multigenerational family of insurance professionals whose origins go all the way back to 1907 when the forerunner of today’s Bagley & Bagley Insurance was founded. The agency has a storied and long history of serving Fayetteville, Lincoln County, and beyond. Be sure to see the exhibit presented with this article that outlines the lifespan of this family-owned agency. Battle Bagley III is a graduate of Middle Tennessee State University where he earned a Bachelor of Business Administration degree in accounting in 1982. His first job upon graduation was working with a notable accounting firm in Nashville. It was here under the guidance and leadership of William Puryear that he learned more about accounting and the emerging systems and software that would drive the accounting profession and be used in businesses across the business world in time. Think of main frame computers, punch cards, the emergence of personal computers, and Lotus software 4

David Bagley, Cary Sullivan, Battle Bagley III

in the early days of technologies we use today. Microsoft and Apple were in their infancy at this point in the 1980’s. Battle speaks with great affection as he recalls memories about William Puryear. He remembers Mr. Puryear as a classic southern gentleman and consummate accounting professional who was his first mentor who helped Battle become a successful accountant and businessperson through the years. In 1987, Battle left his job in accounting in Nashville and returned to the family business joining Bagley and Bagley Insurance in Fayetteville, Tennessee. Having grown up around the insurance business for much of his life, he had a good foundation to begin his career as an insurance professional. While he worked as an insurance producer focused on providing insurance products to members of the community, he also leveraged his accounting expertise, computer and systems knowledge, and business education to begin the process of modernizing the administrative elements of the agency that were built upon manual processes and paper records much like many agencies of the day. Battle was the perfect member of the staff to move the agency into a new era of doing business using rapidly changing technologies in the insurance world. While Battle played an instrumental role in bringing the agency forward from an administrative perspective at the start of his insurance career, the thing he enjoyed most and continues to enjoy is helping clients solve their insurance and risk management challenges. Battle stated, “I have always The Tennessee Insuror

The History of a Family Insurance Business Since 1907 •

In 1907 J.W. Young, Jr and Thomas Owen Bagley started Bagley & Young Insurance.

•

On January 1,1925 Thomas Owen Bagley paid $2,000 on a $4,000 note, which was held by Mrs. Ellen C. Bagley to transfer all business to Thomas Owen Bagley.

•

The new name Bagley and Bagley Insurance started with brothers Thomas Owen Bagley and Battle Bagley Sr. Thomas Owen continued to manage and operate Bagley and Bagley until his death in 1966.

•

Bagley and Bagley Insurance was located in the KP Building in Fayetteville, TN with a rent of $50.00 per month that included heat and water. The rent went up from $50.00 per month to $52.50 per month.

•

Bagley and Bagley Insurance moved to its new and current location in 1985. The change in location was partly driven bypeople having difficulty walking up the long stairway of the previous location.

•

Brothers Sam Bagley and Jack Bagley joined the business in 1952 and 1954 respectively. Battle Bagley II joined the agency in 1957.

•

Battle Bagley Sr. worked for Bagley and Bagley until his death in 1986 along with his son Sam Bagley who also died the same year. Jack Bagley continued to work until 1984 when he retired.

•

David Bagley, son of Sam Bagley, began his career at Bagley and Bagley Insurance in 1974 and continued to work in the agency until 2018. David’s sister Carey Bagley Sullivan started with Bagley and Bagley Insurance in 1079. In 1987 their cousin Battle Bagley III began working in the family business.

•

David Bagley’s son, Owen Bagley started with the family business in 2007 and became a partner in 2018 after his dad’s retirement.

•

Bagley and Bagley has been in business for over 100 years. Family has always been an important part of the business and continues to hold the same values that Thomas Owen Bagley started back in 1907.

Battle Bagley Sr.

Thomas O. Bagley

Battle Bagley II

Generations of the Bagley family

The Tennessee Insuror

had the ability to distill the most complex insurance and risk management issues into simple and easy to understand concepts.” This is often helpful to our farm, commercial and personal insurance clients in Fayetteville and across the region. Battle truly approaches the delivery of insurance and risk management products to clients as a mission and not simply a transaction. To be sure, insurance at Bagley and Bagley is not simply a commodity product. Battle shared that the agency writes a lot of farm and agriculture industry insurance, commercial insurance for a broad array of businesses in the Fayetteville-Lincoln County area, personal insurance for residents and life and health insurance. He notes that their market reach also extends across the state of Tennessee and into other states such as Alabama, Georgia, the Carolinas.

Bagley agency employees

Bagley and Bagley Insurance has been a steadfast member of the Insurors of Tennessee since the early days of the agency. Battle has been a member the Insurors of Tennessee board and has served on various committees for several years giving him a clear understanding of the business of the association, the needs of members, and the industry challenges ahead that the organization will need address. His experience as an accountant, agency producer, agency principal and member of the board makes him uniquely prepared to serve as President of this historic association in 2026. Battle looks forward to representing the Insurors of Tennessee at the national level and attending events across the state, as we work together to build upon the continued success of our association and the insurance industry this year. He welcomes members and partners to reach out to him, the Board, and our staff with suggestions to move Big I Tennessee forward this year.

Samantha and John Robert Bagley Walter Phillips

Together we can accomplish much in 2026 to fulfill the mission of this historic association.

Cary Sullivan, Battle Bagley III, Owen Bagley

The Tennessee Insuror

Patrick Sheehan TEMA Director

Carter Lawrence TDCI Commissioner

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Fayetteville, Tennessee: Rooted in History and Charm Fayetteville, located in the heart of Lincoln County, Tennessee, is a town where history and hospitality converge. The downtown square, centered around the historic Lincoln County Courthouse, serves as the beating heart of the community. Antique shops, boutiques, and cozy eateries line the streets, creating a picturesque setting that reflects the town’s rich heritage while embracing contemporary life. Events such as the Slawburger Festival, which celebrates Fayetteville’s unique culinary tradition, highlight the town’s character and close-knit spirit. Fayetteville, Tennessee was founded in 1809 as the county seat of Lincoln County and has played a significant role in regional history, from early settlement to military service during the War of 1812. Fayetteville was established shortly after Lincoln County was formed from Bedford County in 1809. The town was named after Fayetteville, North Carolina, which itself honored Revolutionary War hero Marquis de Lafayette. Its location along the Elk River made it a hub for agriculture and trade, fostering steady growth in the 19th century. One of the most notable historic sites is Camp Blount, just south of downtown. In 1813, General Andrew Jackson mustered

Tennessee volunteers there for the Creek War, part of the War of 1812. These troops later fought at the Battle of New Orleans, helping secure America’s independence and giving Tennessee its enduring nickname, the “Volunteer State”. Throughout the 19th and 20th centuries, Fayetteville remained a center of farming and commerce. The arrival of railroads expanded trade, while local institutions like the Lincoln County Museum, housed in the former Borden Milk Plant (built in 1927), preserve artifacts of community life. Today, Fayetteville blends small-town charm with deep historical roots, celebrating its heritage through preserved landmarks and civic pride. Opportunities for Businesses For entrepreneurs and established companies alike, Fayetteville provides fertile ground for growth. The town hosts over 2,200 businesses, ranging from professional services to restaurants and retail. The Fayetteville-Lincoln County Chamber of Commerce actively supports local enterprises through networking, promotional campaigns like “Loyal to Local,” and community events that encourage residents to shop and invest locally. With a workforce of nearly 5,000 people and a diverse economy spanning industries such as HVAC, food service, and manufacturing, Fayetteville offers both stability and opportunity for business development. Attractions for Visitors Visitors to Fayetteville are greeted with Southern hospitality and a wealth of experiences. The town’s lodging options, dining establishments, and shopping venues provide comfort and entertainment. Tourists can explore antique malls, enjoy local cuisine, or attend seasonal festivals that showcase the town’s culture. Outdoor enthusiasts benefit from Lincoln County’s natural beauty, with opportunities for hiking, fishing, and exploring the Tennessee countryside. Fayetteville’s location also makes it a convenient stop for travelers seeking authentic small-town experiences. u

The Tennessee Insuror

Insurfest 2025 in Photos

Greg Sandrock,

Cary Wallace, CEO, AgencyFocus

Sandy Hall, President, Bailey Special Risk 10

The Tennessee Insuror

Thanks to all who helped make Insurefest 2025 a success!

Big I Executive Committee

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Kelly Donahue-Piro, President, Agency Performance Partners

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The Insurors of Tennessee Convention was held on October 11-14, 2025, at the Hilton Hotel & Conference Center in Memphis and was attended by the complete spectrum of our membership to include members, board members, sponsors, staff and guest speakers. The post-conference comments suggest the conference was a great success. We extend a special thank you to everyone who attended for taking time out of your busy schedules to be a part of this important event. The photo essay presented is quite literally a snapshot in time capturing key moments during the convention that acknowledged the contributions of many to our association and images of the people who will continue to be critical to the future of the Insurors of Tennessee. The photo essay also serves a historical visual record of the 132nd Annual Convention that others will look back upon with interest, respect, and perhaps a bit of amusement years from now.

Save the Date Insurfest 2026 Tuesday, October 13 - Friday, October 16 JW Marriott - Downtown Nashville

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Congratulations 2025 Agent Award Recipients These awards were announced and presented at the 2025 Insurfest in October. We have many great agents in our organization and can only recognize a few each year. To receive these awards is a real accomplishment and we extend our congratulations to each recipient.

Insuror of the Year Chris Allison

Presidential Citation Kym Clevenger

Presidential Citation Richard Whitley

Jim Alexander Committee Member of the Year Nikki Reed

CISR of the Year Yodi Suggs

Arch Northington Young Insuror of the Year Clark Kelman

Allison Insurance Group Henderson

Insight Risk Management Cordova

Retired Knoxville

RSS Insurance Chattanooga

McDaniel-Whitley Inc. Memphis

Chaffin & Riggins Insurance Memphis

*not pictured Charles T. Bidek Political Action Award - McInturff, Milligan, and Brooks, Greenville 18

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Recognition for Service 2025 Recipients These recognitions for service were announced and presented at the 2025 Insurfest in October. We have many great individuals and companies in our organization and can only recognize a few each year. Thank you to all who have contributed their time, talent and recourses to Insurors of Tennessee. You are the engine that drives our success!

Director Region II 2023-2025 -Cam Winterburn

Young Agent Director 2025 - Clark Kelman

Director Region III 2023-2025 - Josh Gibbons

Insuror President 2025 - Bobby Sain

Winterburn and Associates, Pulaski

Watauga Insurance, Johnson City

Chaffin & Riggins Insurance, Memphis

Bolivar Insurance and Real Estate, Bolivar

There are many many individuals and companies who have dedicated time, talent and resources to support and strengthen the Insurors of Tennessee in 2025.

Immediate Past President -Kym Clevenger Retired, Knoxville

The Tennessee Insuror

While we cannot formally recognize all, please know that we see you and we thank you. We need YOU and we are so grateful for your continued support. 21

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From Your President Bobby Sain

The Future is in Good Hands Since my last article in the Tennessee Insuror, we have been quite busy as an association. We concluded the Insurors of Tennessee annual convention in October held at the Hilton Hotel and Conference Center in East Memphis. The annual meeting was a great success where we had the opportunity to learn from subject matter experts, share our experiences with our peers in the industry, and conduct the business of the association necessary to perpetuate it into the future. I enjoyed taking part in the ceremonies where we delivered awards and recognition to our members who distinguished themselves this past year in service to the Insurors of Tennessee and to our members. These recipients are the folks that help power our association and contribute greatly to the development of our business in Tennessee. I encourage you to look through the photo essay provided in this issue of the magazine. Board members and others also attended the annual Southern Agents Conference held in Atlanta in early December to learn from our peers from across the Southeast about challenges they are encountering, what they are doing to adapt to a rapidly changing marketplace, and where they are finding success. We enjoyed spending time with old friends and making new acquaintances. This event is very much an agent to agent gathering that is beneficial to all who attend. As my time as President comes to a close, I want to thank my colleagues on the In-

The The Tennessee Tennessee Insuror Insuror

surors of Tennessee board for giving freely of their time, talent, and resources in our shared mission to continue the growth and development of this association. Members of the board are not paid. They serve in the best traditions of the Volunteer State for the greater good of the insurance industry and the clients we serve. Successive boards and exceptional leadership over the past 130 years is the reason the Insurors of Tennessee is one of the preeminent professional associations in Tennessee and across the nation. Additionally, I greatly appreciate Kristen Gulson and the staff of the Insurors of Tennessee for their hard work, resilience, innovation, and steadfast commitment to the principle of continuous improvement. The staff are always seeking ways to better serve members, execute on the strategies and tactics put forth by the board and support the success of independent agents in an ever-changing industry. Your efforts do not go unnoticed! Importantly, I want to thank my wife Dajuan and my family who have been supportive and most helpful in keeping our household and business running as I attended to the business of the association. I want to thank our partners who provide their input, observations and financial support to help propel the activities, initiatives, and events forward each year. We recognize and appreciate the way our sponsors support the Insurors

of Tennessee. In the center of the magazine each issue we provide readers with an exhibit that shows who our partners are at various levels. Many of these companies are instrumental in the ongoing success of independent agencies across Tennessee. I would be remiss if I did not mention at this point that 2026 is an election year. We encourage you to make contributions to InsurPACTN and InsurPAC at the national level so we can be positioned to support those candidates who have the best interest of our industry, nation, and citizens at heart. Responsive and competent political leadership is important to the continued success of professional insurance agents and our industry. Standing on the sidelines is simply not an option. We need to have a clear and powerful voice in Nashville and Washington D.C. to ensure our interests and concerns are heard. I have enjoyed my time serving as your president and have been collaborating closely with incoming president Battle Bagley III. Battle is an insurance industry veteran and has deep experience working with this board over the past few years. The future is in good hands with Battle going forward in 2026. I hope you all enjoyed the holidays and have a great start to the New Year. u

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The Tennessee Insuror

From Your Executive Director Kristen Gulson

I Am Pleased to Report to You That 2025 Was a Successful Year I am pleased to report to you that 2025 was a successful year for the Insurors of Tennessee as we worked to serve members and associate members of the association across the state. We built upon the success of prior years and have evolved and adapted to better align with the needs of our members and strengthen the position of the association for the future. In the constantly changing world of insurance and risk management we cannot rest on past accomplishments. This October, we concluded the 132nd annual Insurors of Tennessee Annual meeting also known as Insurefest in Memphis. By all accounts it was a success with a slate of great speakers who delivered information and takeaways members can use in their agencies and companies. We also conducted the business of the association in accordance with our charter and the rules of the state of Tennessee that govern associations. We affirmed the election of Battle Bagley III as incoming President and recognized many of our peers for their performance in service of the association and its members. I want to thank Bobby Sain of Bolivar Insurance and Real Estate for his service as Insurors of Tennessee President. He did an exceptional job using his experience and expertise as an agency principal, member of the board of this association, and his time as mayor of Bolivar to lead and guide this association in 2025. We also welcome Battle Bagley III as our new President in 2026. I am certain he will be an outstanding leader to guide us forward in the new year. Please be sure to read the featured article in this edition of the Tennessee Insuror to get to know Battle a bit better.

The Tennessee Insuror

Speaking of the convention, now is a good time to ask you to mark your calendars for the 2026 edition of Insurefest that will be held on October 13- 16, 2026 at the JW Marriott in Nashville. In 2026, we are trying something new with the convention starting on Tuesday and ending on Friday as opposed to the previous schedule of Sunday through Wednesday. After much communication and consideration by the staff and the board, it was decided this schedule will better align with the needs of members today from a professional and personal perspective. We have already been doing preliminary planning for the event and hope to see you all there next October. New for 2026, we will be publishing the Tennessee Insuror magazine four times per year instead of the historical six times per year to better align with the cadence of information flows in an era of the delivery of information via social media, e-mailers and other methods. The Tennessee Insuror will continue to be a critical part of our communication portfolio as it provides information in a longer form, more detailed format and serves as a chronicle for the life of this association. In addition, some added communication vehicles are being considered now to augment the information agencies can use in their local markets. More details on that later.

side the Big “I” Tennessee brand at right times and places. You will be receiving more information on this important initiative throughout 2026. We are looking forward to seeing you in the new year, we plan more field visits and new gatherings in the Spring and Fall in East and West Tennessee to provide members with better access to our board members and staff. We are also looking to increase our membership across Tennessee as we know there are new agency start-ups and smaller agencies that can benefit greatly from being a member of the Insurors of Tennessee. We will be stepping up our outreach efforts on that front early in the year. If you know of any non-member agencies that are worthy candidates, please let us know and we will get in contact with those agencies. I want to thank our members, associate members, sponsors, staff, board members, and executive leadership for a successful 2025 and look forward to an exciting new year as we work to advance this truly exceptional association. May you all have a safe, healthy, and prosperous New Year! u

Another change in 2026, will be the official launch of the Big “I” Tennessee brand to more closely align and complement the Big “I” national brand that has been established for some time. To be sure, we will continue the Insurors of Tennessee brand in various ways to capitalize on the name recognition and long history of the brand. It is not going away. It will simply be used along the

Tennessee Young Agents '25 Young Agent Spotlight Larry Crum III • Meet the 3rd Generation of Larry E. Crum & Associates The focus of this Young Agent Spotlight is Larry Crum, III of Larry E. Crum & Associates located in Memphis. Larry is employed with this family agency that was established in 1968 and continues to operate today with multiple locations in three states. Larry serves the agency as an Associate Agent and fulfills other roles around the agency as needed. He is the third generation of his family actively working in the agency to serve clients. Larry graduated from Harding Academy in Memphis where he played basketball, baseball and track. He excelled in basketball where he received All District honors for his basketball skills. Upon graduation he attended the University of Memphis where he earned a Bachelor of Business Administration degree with a major in Finance. While at the university he took as many insurance-related courses that were available from the university to prepare for his insurance career. Unlike many people who often follow a circuitous career path into the insurance industry, Larry knew early in his life he would follow in the footsteps of other family members to work in the insurance business. Larry recounts a story where he wrote a letter to his future self while in fourth grade at Harding Academy in Memphis. The letter would be mailed to him years later after his graduation. There were three goals young Larry set for himself in that letter. The first goal was to become a good athlete. The second goal was to attend and graduate from the University of Memphis. His third and last goal was to go to work in the insurance business. That letter foretold Larry’s accomplishments on the way to meeting those goals set by his fourthgrade self. From the fourth grade on, young Larry was on a linear path to emulate his father and grandfather to work in 26

the insurance agency. When Larry describes his role in the insurance agency, he talks about it with passion and more like it is a mission as opposed to simply a job. He enjoys collaborating with clients, helping them to solve a range of insurance and risk management challenges. He greatly appreciates that he gets to work with the two generations of family members in the agency to serve clients and be there for them at times when clients need them the most. He describes the three most essential elements of his success as being present for his clients, always conducting business with integrity and honesty, and taking the time to listen carefully to clients. As testament to his commitment to service, Larry recently received the Best of Memphis Insurance Agent Award for 2025. While Larry writes personal insurance for clients, he focuses on commercial insurance, and more specifically on clients with complex commercial insurance and risk management needs. His market reach extends to states beyond the greater Memphis market area. Larry is on the way to a successful insurance career with the strength of his character and dedication to his clients. In his personal life, Larry just married his fiancé Samantha at a wedding in Key West, Florida with over 130 people attending. Samantha is also from the Memphis area where they met after college. Samantha also works for a family-owned business where she serves in an accounting role. Together, the newly married couple are now dog moms and dads to two pups named Grizzly and Nash. We wish Larry and Samantha all the best as they share their lives together. The Tennessee Insuror

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Our Claim Commitment About Larry E. Crum & Associates Since 1968, the agency built a successful business by providing superior service to consistently exceed client expectations. The agency is led by Larry E. Crum, Sr. who is the founder and president of the organization.

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Larry Crum, Sr. has been an insurance agent since 1968. He started the agency with a card table and a folding chair in his one-bedroom apartment in Memphis, Tennessee. Many of his sales were made at a client’s kitchen table where there was more room in those days. Persistence, hard work and the pursuit of the American dream have led him and his children to a lifetime involvement with insurance. The staff is highly trained to provide correct answers to questions and to explain insurance in easy-to-understand terms avoiding “insurance speak” which can be confusing for clients. Licensed associate agents carefully customize insurance programs to fit the unique needs of insureds and provide policy reviews to clients. At this agency, insurance is not a commodity, and service is more than just a transaction.

Want to know more? Justin Lash, Regional Vice-President 1-855-610-4545 | jlash@berkleysig.com or your Middle Market Underwriter

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

From one office in Memphis, the Larry Crum agency has grown to multiple locations in three states including Tennessee, Mississippi, and Arkansas. The agency also serves policyholders in 38 states. This multi-generational agency is set up for future growth and development. u The Tennessee Insuror

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Safety and Risk Management Waking Up to the Risks of Drowsy Driving and the Solutions at Hand BY Rebecca Weast, Senior Research Scientist, IIHS, Oct. 22, 2025 My first brush with drowsy driving happened before I even had my license. After I got my learner’s permit, my dad would insist that I drive when he dropped me off for school. One morning, as we drove out of our neighborhood, I was doing my best to tune out whatever my dad was saying when I suddenly heard him shouting. I was about to hit a mailbox! Apparently, I had nodded off and failed to turn the car with the curve of the road. I righted the path of the car as I felt my heart rate spike and made the rest of the drive to school without incident. (For his part, my dad had no idea that I’d dozed off and simply told me off for “goofing around.”) Drowsy driving is a form of impaired driving, just like driving under the influence of alcohol or drugs or while distracted by a cellphone. And while many people have a story like mine, the issue gets relatively little attention compared with other problematic driver behaviors. Although there is no single solution for drowsy driving, better awareness of the need for adequate sleep, combined with both tried-and-true infrastructure solutions like rest areas and rumble strips and newer vehicle technology that can jolt us awake or take emergency action, can help mitigate the inevitable human tendency to get tired. Quantifying the risk How dangerous exactly is drowsy driving? Studies cited by the National Institute for Occupational Safety and Health suggest that being awake for 17 hours is similar to a 0.05% blood alcohol concentration (BAC). Being awake for 24 hours is like a BAC of 0.10%, above most states’ legal limit of 0.08%. Compared with well-rested drivers, drowsy drivers react more slowly, are less vigilant, have reduced hand-eye coordination, and are worse at remembering the things that they’ve seen. Of course, as anyone who has staggered through a Monday morning or experienced an after-lunch slump knows, you don’t have to stay awake for 17 hours to be at risk of falling asleep. Often people don’t realize they’ve fallen asleep, as happened in my case. “Micro-sleeps,” brief moments where one loses consciousness, can occur without warning and hapThe Tennessee Insuror

pen at any time of day, usually to a person who is behind on sleep. While they only tend to last for a few seconds, that’s more than enough time for something serious to happen when you’re behind the wheel and on a road with other vehicles, especially if you’re traveling at a high speed. According to police-reported crash data, only 1%-2% of crashes involve drowsy driving, but this is likely an underestimate. Drowsiness is transient and can’t be tested for the way alcohol can be. In single-vehicle crashes in which the driver is killed and there are no passengers, the responding officer is left to essentially make an educated guess as to whether the driver fell asleep or something else happened. One naturalistic study of driving behavior suggests that dozing off at the wheel is more common than people think. The researchers outfitted participants’ vehicles with cameras and other instruments to watch how they drove over a long period of time. Looking at the driver’s apparent alertness leading up to crashes, they estimated that about 9%-10% of crashes likely had drowsiness as a contributing factor. The solution seems obvious — we should all just prioritize sleep! — but this doesn’t play out in practice for many Americans. In a survey of people 18 and over by the Centers for Disease Control and Prevention, 33% of adults reported getting less than seven hours of sleep a night. That’s the amount sleep experts consider adequate for most adults, but some groups, including teens, need much more. Realistic solutions Clearly, we can’t just snap our fingers and get everyone to sleep more. But that doesn’t mean we can’t take steps to address drowsy driving. Infrastructure changes, such as adding rumble strips to medians and roadway edges and building more rest stops on highways, can help reduce drowsy-driving crashes. Research finds that roads with abundant rest areas where people can take a break see fewer crashes than those that lack such facilities. Greater awareness of the dangers of fatigue could help encourage more people to use existing rest areas. Many people assume that if they blast loud music or open the windows for cold air they won’t fall asleep, but research has 31

Safety and Risk Management shown those methods are minimally effective. A short nap, on the other hand, can make a difference. Wider availability of some driver assistance features could also help. Technology like lane departure warning can act like an in-vehicle rumble strip and jolt a driver awake by vibrating the steering wheel or sounding an alert if they veer out of the lane. Recent years have seen automakers develop in-vehicle systems to intervene if drivers tune out while driving. These types of systems can recognize drowsiness in a few different ways — for example, by tracking excessive swaying in the lane or by using driver-facing cameras to monitor the driver’s gaze. Subaru’s DriverFocus system uses a driver-facing camera to detect when the driver is drowsy or distracted. In a recent IIHS study, 9 out of 10 people with DriverFocusequipped vehicles reported using the system most or all of the time. Most users report liking the system and feeling that it makes driving safer.

2023 JM Wilson Tennessee Insuror Trucking_OUTLINES.indd 1

Of course, no technology can serve as a replacement for an alert, awake driver behind the wheel. In particular, partial automation systems that keep the vehicle in the lane and maintain a set following distance shouldn’t be used as a crutch for drowsy drivers. Recently, Tesla alarmed safety experts when its in-vehicle messaging began suggesting that drivers who appear drowsy should turn on its problematically named “Full Self-Driving” feature. This message conflicts with Tesla’s own instructions, which note that drivers must pay attention and be ready to take control at all times. I wish I could report that my high school brush with drowsy driving was my last, but drowsiness is sneaky and still occasionally catches me off guard. Thankfully, existing countermeasures, my own understanding of the risks and — to be honest — luck have kept these moments from becoming catastrophes. I do my best to be aware of my own fatigue, use available technology for support, and take advantage of available rest areas when needed. Transportation planners and vehicle manufacturers should prioritize proven solutions to help all drivers stay awake. u

12/22/22 1:01 PM

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ALLIANCE GOLD.

WHAT IS BIG “I” ALLIANCE GOLD? Big “I” Alliance Gold is an alliance created to assist independent agents to gain market

FAQ HOW MUCH COMMISSION WILL I EARN? 100% - Commission is paid directly to the agency from the carrier.

access through membership. WHO CAN PARTICIPATE?

CAN MY AGENCY EARN PROFIT SHARE? Yes.

You must be a member of your Big ‘”I” state association and qualify to join based on the

DOES MY AGENCY OWN THE AGENCY

agency requirements set by the alliance. Learn how to join your state association at independentagent.com/BELONG.

CODE, POLICIES, AND EXPIRATIONS? Yes, each member agency will own their code, policies, and expirations.

IS THERE A CONTRACT? Yes. When the agency makes the decision to join Big “I” Alliance Gold, they are committing to

CAN I BELONG TO ANOTHER ALLIANCE OR NETWORK AND JOIN BIG “I” ALLIANCE GOLD?

a 3-year contract that will automatically renew annually each year after.

No. We require members to commit exclusively to Big “I” Alliance Gold. (Big “I” Alliance Blue members are not restricted.)

IS THERE A SIGN-UP FEE? Yes, there is a $2,500 one-time fee. WHAT IS THE MONTHLY MEMBERSHIP FEE TO JOIN BIG “I” ALLIANCE GOLD? $250/month. This fee is separate from the state Big “I” membership fee.

WHEN GETTING NEW APPOINTMENTS, WILL I BE ABLE TO ACCESS THEM DIRECTLY? Yes, you will have direct access and work on the carrier portal with their underwriting team.

IS THERE A BUYOUT/TERMINATION OU OPTION?

HOW DO I GET STARTED? Visit us online at independentagent.com/ALLIANCE to o

Yes.

complete a pre-application.

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Your Big "I" Interested in Aggregating Premium? The Big “I” Alliance is actively enrolling new agencies. Discover how we help member agencies in achieving their goals. Big “I” Alliance Gold is IIABA’s exclusive agency aggregation opportunity. We offer members growth opportunities, carrier connections, and more. The Big “I” Alliance Gold program, an agency alliance opportunity available exclusively to Big “I” members, is actively onboarding new agents. The alliance was established to support independent agents by aggregating premium and facilitating market access through membership. Big “I” Alliance Gold benefits include: • Direct Access to Carrier Systems and Underwriters • Profit Sharing and Incentive Eligibility • Ownership of Expirations and Carrier Codes

• National and Regional Carrier Partnerships • Vendor Partnerships • Agency E&O insurance through Big “I” Professional Liability’s Alliance E&O Program (optional) Membership in Big “I” Alliance Gold is available by invitation; a variety of factors are considered, including agency annual premium and current carrier appointments. Jumpstart your access at https://www.independentagent. com/alliance-gold-pre-application/ where you can fill out a pre-application form to be considered for Alliance Gold. After reviewing your information, an Alliance staff member will contact you. u

Penn National Insurance sells property-casualty insurance in 12 states by partnering with more than 1,200 independent agency operations. Financial Strength Penn National Insurance has an A.M. Best Rating of A (Excellent). This rating is assigned by A.M. Best to companies that have an excellent ability to meet their ongoing insurance obligations.

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5 Predictions for the Insurance Industry in 2026 BY Will Jones is IA editor-in-chief The insurance industry’s old sense of steady certainty has slipped away. PwC’s “Insurance 2030” notes that “the stability that insurers have long relied on for predictable risk pricing and consistent growth is disappearing.” The firm points to a rapid sequence of shocks—a pandemic, political unrest, supply-chain failures, global conflict, high inflation and extreme weather—observing that “only 20 years ago, most of these events would have seemed unlikely” and that experiencing them all within less than half a decade was “unthinkable.” PwC refers to these long-running disruptions as STEEP forces—social, technological, economic, environmental and political factors—and warns that these influences are only increasing and “are leading to a fractured world in which insurers have to cover a greater array and frequency of intensifying risks,” PwC says.

Meanwhile, capital strength is another key theme. WTW reports that industry surplus has surpassed $1 trillion and reinsurance capital exceeds $725 billion, noting that this abundance “is not just stabilizing—it’s energizing.” Swiss Re’s “US Property and Casualty Outlook” forecasts a steady but moderated performance environment. The firm expects “industry return on equity (ROE) of 10% in 2025 and 2026,” driven by investment earnings even as underwriting softens, as illustrated by a projected two-point increase in loss ratios next year. Swiss Re projects premium growth slowing to “5.5% in 2025” and “4% in 2026,” describing the outlook as “sunny skies but pack an umbrella.”

2. Climate Data to Get Real

1. The Industry Prepares to Advance

Climate modeling is undergoing its own transformation. According to “2026 Insurance Outlook: Separating Reality from Hype,” a report by ePayPolicy, climate variables that once appeared “in quarterly risk reviews are now showing up in daily pricing models.” The firm emphasizes that the shift is not merely about using more data but using it dynamically, stating that “models update as fast as the weather itself.”

WTW’s “Insurance Marketplace Realities” report for 2026 describes late 2025 as a “unique and promising inflection point” where years of volatility are giving way to a “clear and stable horizon.” With capital abundant, technological advancements accelerating and risk insight tools more powerful than ever, “the industry is poised for progress,” WTW said.

This change reflects the pressure of rising catastrophic losses. In the years ahead, carriers and managing general agents (MGAs) will draw on parcel-level data—including soil composition and heat-island effects, where cities become significantly warmer than nearby rural areas—to refine risk selection and inform new types of coverage.

According to the firm, “[artificial intelligence] is no longer a vision for the future; it’s a force actively reshaping our industry today.” WTW highlights AI-driven insights embedded into platforms and new products emerging that reflect the scale of a digital, automated economy.

ePayPolicy notes that 2026 will be less about tweaking rates and more about “redesigning how products respond with parametric triggers, resilient home incentives and dynamic midterm policy adjustments.”

Because of this, 2026 is shaping up to be a year where insurers must balance opportunity and risk in equal measure. Here are five trends that will take hold in the year ahead.

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differ sharply by generation. Email and phone remain the top channels overall, with younger customers more receptive to email and baby boomers gravitating toward phone or in-person conversations. For claims, TransUnion finds that “telephone is still preferred across generations,” meaning AI chat or app updates should support, not replace, live assistance. Price pressure is also reshaping retention, with TransUnion noting that even loyal customers shopped for lower premiums in 2025.

According to the National Weather Service (NWS), climate predictions for 2026 include a continued trend of recordbreaking global temperatures, with a high probability that the period 2022-2026 will be the hottest five-year period on record. For winter 2025-2026, NWS says that a La Niña event is expected to influence U.S. weather, bringing warmer-than-normal temperatures to the southern and eastern U.S., wetterthan-normal conditions to the northern U.S. and the Pacific Northwest, and potential drought to the U.S. Southwest.

3. Customer Service to Make or Break Insurance Experiences Forrester anticipates major changes in how carriers engage with policyholders. Forrester’s “Predictions 2026: Insurance” report shows that auto and home insurers saw declining customer experience (CX) index scores in 2025, driven in part by “double-digit rate increases” and rising distrust. In response, Forrester predicts that “P&C carriers will double their CX investment to boost customer engagement.” Forrester’s data reveals that quick issue resolution and competitive rates are the two most important drivers of satisfaction. At the same time, the ability to “easily check the status of a claim” has become a critical expectation. Forrester also says that proactive communication, transparent rate explanations and personalized options—including usage-based insurance—“will enhance customer engagement and satisfaction.” After multiple years of sizable rate actions, auto retention fell as consumers discovered they have real leverage, according to TransUnion’s “2026 Personal and Commercial Lines Annual Insurance Outlook.” “In 2026, carriers will continue to combat that trend by matching communication and service to evolving expectations: Value for money and ease of use lead the list of what customers say they value most,” the report said. TransUnion also reports that communication preferences 40

However, carriers that stand out for clear value—strong service, brand stability, unique discounts or meaningful addon coverages—are more likely to retain policyholders. TransUnion’s survey shows the strongest retention drivers are “proactive outreach about discounts,” early notice of rate increases and a well-known brand.

4. AI to Reshape Operations According to “Reinventing insurance: An industry beyond the tipping point,” PwC expects a major operational shift as carriers adopt “increasingly powerful AI tools, including agentic AI and deep learning.” These capabilities help interpret data related to “general trends, specific incidents and individuals” far faster than in the past, supporting underwriting, advisory work and customer interactions. Yet PwC warns that “the human element remains vital.” Carriers are not ready to rely fully on automated recommendations due to concerns about bias and accuracy. That makes “responsible governance of AI and its outputs” essential, especially for brokers and agents whose advice underpins trust. Also, adopting agentic AI and other technologies pose significant operational challenges and risks. According to a PwC survey, 93% of insurance executives say the industry’s pace of change has accelerated beyond what traditional strategic planning can effectively address. PwC emphasizes that responsible governance is essential, and the rise of agentic AI introduces new risks that make oversight even more critical. These systems expand an organization’s attack surface and can be vulnerable to threats, such as data poisoning, prompt injection and other manipulations that compromise sensitive information. Beyond security, limited transparency and insufficient human oversight can lead to errors or unintended actions that undermine trust or flout emerging and evolving regulations. Ethical concerns also come into play, including accountability, privacy challenges and the potential for embedded bias. These risks underscore the need for clear guardrails and human judgment as carriers integrate AI more deeply into their operations. Another notable shift is occurring in IT. PwC writes that modern infrastructure is freeing IT departments from acting as The Tennessee Insuror

maintenance units and allowing them to “strategically guide insurers’ business” through partnerships, ecosystem development and innovation leadership.

crease following seven years of rising rates, according to the National Association of Insurance Commissioners’ (NAIC) “Report on the Cybersecurity Insurance Market.”

5. Cyber Insurance Market to Grow as AI Increases Threat Velocity

“As companies continued to invest in their cybersecurity controls, which is looked upon favorably by underwriters, many also sought to increase limits, reduce retentions, and make other program improvements,” the report said, explaining the decrease in cyber insurance rates.

Forrester predicts the cyber insurance market will grow by 15% in 2026 as AI reshapes the threat landscape. “AI has become a weapon for bad actors and a target itself,” fueling more attacks and increasing breach frequency, according to Forrester’s “Predictions 2026: Insurance” report. Financial services and insurance organizations experienced an average of 2.3 breaches in the past 12 months, according to Forrester’s 2025 data, with costs averaging $3.9 million. Because AI-driven threats are evolving faster than many organizations can defend, Forrester argues that cyber insurers must move beyond financial protection to become “proactive partners in cybersecurity.” The firm expects carriers to expand into risk mitigation tools, cyber defense services and underwriting approaches explicitly designed for AI-enabled exposures. Cyber insurance rates in the U.S. declined an average of 5% in the fourth quarter of 2024, marking the first quarterly de-

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Yet, “cyber risk remains a top concern for organizations,” the report continued. “Mitigating third-party-driven cyber incidents with widespread consequences, even non-malicious events such as the July 2024 CrowdStrike incident, may only increase in importance as companies continue to integrate more third-party solutions.” Meanwhile, privacy litigation is shaping up to be the “next frontier of digital risk,” according to Coalition’s “State of Web Privacy” report. The report, based on nearly 200 cyber insurance claims and scans of 5,000 business websites, shows that lawsuits over how businesses collect and use data have surged. It also found that the increase is driven largely by aggressive plaintiff’s attorneys leveraging decades-old privacy laws in modern contexts.

The findings highlight how privacy exposure has expanded beyond large enterprises, with nearly 60% of web privacy claims reported by businesses with less than $100 million in revenue. The report also found that 77% of all wrongful data collection claims originated from website tracking and 73% of claims involved analytics technologies, such as Google Analytics or the Meta Pixel. Further, chatbots accounted for 5% of all claims, with lawsuits citing decades-old state wiretap laws, such as Florida’s Security of Communications Act, which were written long before these technologies existed. 2026 is shaping up to be a year of transformation for the insurance industry. From AI-driven operational shifts and dynamic climate modeling to heightened cyber and privacy risks, industry players must balance innovation with over-

sight. Those that embrace technology must also double down on responsibility, ensure a smooth customer experience and manage emerging threats, including regulatory and criminal exposures. u

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Association Update The Hill Names Big ‘I’ Leader Among Top Lobbyists for 2025 The Hill, a prominent Washington, D.C.-based political newspaper, has once again named Charles Symington, Big “I” president & CEO, among the top trade association lobbyists in the nation’s capital this year. The Big “I” was the only property & casualty insurance agents group recognized on the list for 2025. In its announcement this morning, The Hill stated winners were selected from more than 1,800 nominations and “represent the industry’s savviest, most influential and wellconnected advocates across Capitol Hill.” “The Big ‘I’ is proud to see Charles recognized, once again,

by one of the premier political outlets in the country,” says Angela Ripley, Big “I” chairman and owner and president of VW Brown Insurance Service in Columbia, Maryland. “Charles and our government affairs team have built an impeccable reputation in Washington for more than two decades. Their leadership ensures the Big ‘I’ remains the

trusted, credible voice for independent agents and brokers. This honor is truly well deserved.” “Being named on The Hill’s Top Lobbyists list again is an honor, but it’s really a testament to our team,” Symington says. “Led by Nathan Riedel, our outstanding federal government affairs staff works relentlessly on behalf of independent agents, particularly this year, securing major tax relief for our member agencies and state associations. Through their dedication and strong relationships, our issues remain front and center in Washington. Their work is why the Big ‘I’ continues to be recognized.” Congressional leaders regularly tap the Big “I” federal government affairs team for its political acumen for sitting on

congressional steering committees, raising campaign dollars, hosting political events and strategizing to help members of Congress better serve their constituents and advance top issues. A vital component of the association’s advocacy efforts is InsurPac, the Big “I” political action committee, which continues to be one of the top agent and broker PACs and one of the leading small business PACs in the country. u

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Company Briefs Erie Insurance ranked highest in small business customer satisfaction by J.D. Power September 2025 - ERIE outpaces industry average, earning top marks for value, convenience and people-first approach Erie Insurance (ERIE) has ranked first in small business insurance customer satisfaction according to the J.D. Power 2025 U.S. Small Commercial Insurance Study. ERIE was 25 points above the industry average with a score of 723 and was the top insurer for providing a satisfying experience in small commercial lines.

Products and Services. “This recognition demonstrates our focus on delivering clear value, making it easy to do business with us and showing up with people who care. For more than a century, ‘Above All in Service’ has guided our decisions, and it continues to drive our teams and independent agents to serve customers the right way, every day.”

Acuity Employees Direct Nearly $700,000 in Special Year-End Charitable Giving

The J.D. Power U.S. Small Commercial Insurance Study measured overall satisfaction across seven dimensions including trust, price for coverage, product/coverage offerings, ease of doing business, people, problem resolution and digital channels. ERIE ranked best in class for price for coverage, ease of doing business and people.

At its December 2025 Town Hall meeting, Acuity’s employees voted to distribute $500,000 among six charitable organizations: Conquer Cancer, the ASCO Foundation; Fresh Meals on Wheels of Sheboygan County; Mental Health America Lakeshore; Safe Harbor; The Salvation Army; and Sharon S. Richardson Community Hospice. Based on employee votes, MHA Lakeshore earned the largest allocation of more than $105,000. The other five organizations each received allocations ranging between nearly $58,000 and over $100,000.

“We’re grateful to small business owners for their trust in Erie Insurance,” said Dave Russo, senior v-president for Commercial

Each Acuity employee was also invited to choose a qualifying charity to receive a $100 donation, resulting in nearly $190,000

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

46 BCBS004258_L2rr_2021BrandPrint_Mom&2Kids_TnInsurorMag_7.5x4.875.indd 1

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

When opportunity knocks, open the door to conversation. You have invested time and energy into your firm, and are passionate about the insurance business. Higginbotham is too. We’ve built our firm on four key values: being family to our employees, accountable to our clients, teammates to our carriers and generous to our communities. Each has played a role in our success and growth for 75 years. And we’re just getting started. If you’re interested in taking your business to the next level, let’s talk.

David Fishel | 817-349-2260 David Fishel | 817-349-2260 dfishel@higginbotham.com dfishel@higginbotham.com

One Platform by IPFS® Providing the insurance industry with a single platform for innovative premium financing and payment technology solutions to

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Company Briefs in additional contributions. With these year-end contributions, Acuity’s philanthropy for 2025 will total approximately $1.6 million. Since 1999, the company has donated nearly $28 million to charitable organizations. “Our mission is to bring hope, connection, and healing— empowering students, supporting individuals in tough moments, and guiding families through crisis,” said Julie Preder, Executive Director of Mental Health America Lakeshore. “Acuity’s support funds critical school-based programs, expands access to mental health care, and ensures no one has to navigate crisis alone.” The funding from Acuity will help MHA Lakeshore scale its K–12 Resilient Schools program that serves 3,000 elementary students, launch a Spanish-language curriculum to better serve English-learner families in its area, and roll out a new middleschool initiative called “Roots and Wings” in partnership with local school systems and youth mentoring organizations. The donation will also support expanded community access services, suicide-prevention training, and outreach for individuals facing isolation or mental health crisis. Acuity’s 2025 charitable donations reinforce the company’s longstanding commitment to giving back and continue a yearend tradition of employees determining special contributions to community organizations.

supportive community with an inclusive culture. When people feel they truly belong, they bring their best work." Erie Insurance has also been recognized on other Newsweek lists, including America’s Best Customer Service 2026 and the 2025 lists for America’s Greatest Workplaces in Financial Services, America’s Best Customer Service (Auto and Home Insurance) and America’s Greatest Workplaces by State (Pennsylvania).

Southern Trust Insurance Company Appoints Douglas Jensen as President and Chief Executive Officer Southern Trust Insurance Company, an established property & casualty carrier focused on the southeast, today announced the appointment of Douglas Jensen as its new President and Chief Executive Officer, effective September 24, 2025. In this role, Jensen will oversee all company operations, set strategic direction, and lead Southern Trust into its next phase of profitable growth.

Newsweek names Erie Insurance among ‘America’s Greatest Workplaces for Culture, Belonging and Community’ for 2026 Recognition reflects ERIE’s long-standing commitment to people and communities Erie Insurance (ERIE) has been named to Newsweek’s list of America’s Greatest Workplaces for Culture, Belonging and Community for 2026, recognizing the company among employers nationwide for its workplace culture and community engagement. According to Newsweek, the ranking was developed by research firm Plant-A Insights and is among the largest independent workplace assessments. The evaluation was based on more than 2.7 million reviews from more than 179,000 employees and includes data from other studies that assessed nearly 5 million reviews and 400,000 interviews. “We’re honored to be named one of America’s Greatest Workplaces,” said Aaysha Noor, ERIE’s vice president, Inclusion and Belonging. “This recognition reflects the dedication of our employees, who show up every day committed to building a The Tennessee Insuror

Our original specialty, Workers’ Comp has long served as the anchor line for our growing suite of commercial products. We distinguish our coverage by providing a host of value-added services before, during, and after a claim. www.guard.com 49

Education Calendar The Insurors of Tennessee offers education opportunities to member agents across a wide range of insurance specialties that satisfy individuals at many different experience levels. If you are looking to further your career, seeking a professional designation, or need to satisfy continuing education requirements, check out the variety of courses available. Additional course options and details of each class can be found online or by contacting Teresa Durham at tdurham@insurors.org or 615.515.2607. Register for CISR & CIC at www.insurors.org under education. Classes with (*) have option for in person or webinar event.

CISR 1/15 2/19 3/12 4/3 6/25

Other Peronal Lines Solutions Elements of Risk management Commercial Caualty 1 Insuring Personal Residential Property Commercial Caualty 11

Webinar Webinar Webinar Webinar Webinar

1/14-15 02/4-5 4/22-23 5/20-21

Insurance Company Operations Commercial Multiline Agency Management Commercial Property

*Nashville *Nashville *Nashville *Nashville

Other 5/7

William T. Hold Seminar

Webinar

CIC

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

Additional Courses Additional courses are available On-Demand and as Live webinars at the IIABA Virtual University *check the VU site for course offerings, CE and pricing (independentagent.com/vu) From The National Alliance (www.scic.com) Choose from the following programs CIC, CRM, CISR, CPRM, CSRM, Dynamics, RGS, MEGA, PROFOCUS, WTH, Intro, Producer School, Ethics, Flood and other. Choose by topic, location, delivery method and/or date. From The Institutes (ceu.com/customer/insurors-tn ) Insurors of Tennessee has partnered with CEU, powered by The Institutes, to provide you with relevant and convenient online insurance continuing education (CE) courses. Through our partnership with CEU, you will enjoy a 35% discount on any of CEU’s relevant, practical courses when you log in. More than 150 course topics. 50

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

Company Briefs “We are thrilled to welcome Doug to Southern Trust Insurance Company,” said Dale Jenkins, Chairman of the Board. “Doug brings a deep understanding of multi-line P&C and a track record of operational excellence to the role. His proven ability to lead high-performing teams, combined with his extensive expertise across the insurance industry, will guide us confidently into this exciting new chapter.”

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Jensen joins Southern Trust with more than 30 years of insurance leadership experience. Most recently, he served as Chief Operating Officer at First Acceptance Insurance. His background spans commercial lines, personal lines, and claims operations at several respected carriers. Jensen’s experience and leadership make him well-positioned to advance Southern Trust’s mission of providing high-touch, dedicated service to its independent agents and policyholders. “I am honored to join Southern Trust Insurance Company at such a pivotal moment in its history,” said Doug Jensen, President & CEO. “Southern Trust has built a strong reputation for serving independent agents and customers across the Southeast with integrity and care. I look forward to joining the talented team in Macon to build on that legacy, strengthen partnerships, and position the company for long-term growth and success.” Founded in 1968 and headquartered in Macon, Georgia, Southern Trust Insurance Company is a boutique property and casualty carrier committed to protecting families and businesses across the Southeast. Partnering with more than 300 independent agencies, the company delivers both commercial and personal lines solutions tailored to the needs of its communities. Southern Trust has consistently earned an A- or stronger rating from A.M. Best for more than 40 consecutive years, underscoring its financial strength and long-standing reliability.

Town of Erwin and BlueCross BlueShield of Tennessee Foundation Break Ground on BlueCross Healthy Place at Fishery Park

c.com

Delivering positive, long-term results for employers.

Representatives from the Town of Erwin and the BlueCross BlueShield of Tennessee Foundation recently gathered to break ground on the new BlueCross Healthy Place at Fishery Park.

Financial Strength Rating

A M

BEST

A- Excellent

sfmic.com The Tennessee Insuror

The Erwin community was devastated by Hurricane Helene in September 2024, and this project represents a milestone in the area’s recovery. The BlueCross Foundation is investing $7.2 million in the BlueCross Healthy Place at Fishery Park to support the community’s efforts to rebuild. 51

Meetings- Mark Your Calendars Big "I" Winter Meeting

Hilton Austin

January 21-24, 2026

Austin, Texas

Big "I" Legislative Conference

The Weston Downtown

April 22-24, 2026

Washington, DC

INDIETECH

Margaritaville Hollywood Beach Resort

January 27-29, 2026

Fort Lauderdale, Florida

Southern Trust Insurance Company 1-800-476-5566 www.stins.com 52

Jamie Reed, ARM, AIS TN Territory Manager jreed@stins.com The Tennessee Insuror

Company Briefs The BlueCross Foundation is investing $7.2 million in the BlueCross Healthy Place at Fishery Park to support the community’s efforts to rebuild. photos: top right- ground breaking at Fishery Park bottom right- current map of BlueCross Healthy Places in Tennessee The Fishery Park will include: •New basketball court •New field •New sidewalk trail connectors •Amphitheater stage •Improved baseball field •Splash pad •Play pockets •Outdoor fitness equipment •Improved sand volleyball court •Dog park •Shelters and shade structures “My vision for Fishery Park began in 2019 with the goal of creating a vibrant, inclusive space where families, individuals, and visitors could connect with nature, enjoy recreational opportunities and build community,” said Tim Bailey, Erwin town recorder. “Despite the setbacks and challenges brought on by Hurricane Helene, the community has remained committed to revitalizing this cherished space. With the BlueCross Healthy Place funding, we have the opportunity to fully realize the vision that began years ago, creating a space that not only recovers from adversity but thrives as a hub for health, wellness and community connection.” Established in 2018, the BlueCross Healthy Place program creates and revitalizes public spaces that encourage neighbors to come together, connect with one another and enjoy healthy activity. Since the program launched, its open parks have received more than 3 million visits. “Our goal with the BlueCross Healthy Place program has always been to bring people together, in communities of all sizes, all across our state,” said Chelsea Johnson, director of community relations for BlueCross. “We are proud to partner with the Town of Erwin on the Fishery Park project and to support the community’s next chapter.” The Tennessee Insuror

To date, the BlueCross Foundation has invested $70 million in BlueCross Healthy Place projects across the state. There are now 28 projects open or in progress statewide with more on the way. The Foundation has a self-sustaining endowment, and no premium dollars paid for members’ plans are used to fund BlueCross Healthy Place projects. For more on the BlueCross Healthy Place program, see BlueCrossHealthyPlacesTN.com. BlueCross BlueShield of Tennessee is a taxpaying, not-forprofit health plan serving more than 3.4 million members in Tennessee and around the country. The Chattanooga-based company was founded in 1945 and has brought peace of mind to its members and local communities for more than 75 years. BlueCross BlueShield of Tennessee Inc. is an independent licensee of the BlueCross BlueShield Association. For more information, visit the company’s news center at bcbstnews.com. About BlueCross BlueShield of Tennessee Foundation, Inc. The BlueCross BlueShield of Tennessee Foundation, Inc. is a 501(c)(3) not-for-profit corporation organized to promote the philanthropic mission of BlueCross BlueShield of Tennessee. The foundation’s funding is separate from health plan operations and must be used to benefit Tennessee communities. It has awarded $120 million in grants since 2005 and provides funding for the BlueCross Healthy Place program, which creates active, healthy spaces across Tennessee. u 53

Directory of Advertisers Advertiser

Phone

Website

Page

Arlington/Roe 800 . 878 . 9891 www.arlingtonroe.com 13 AutoOwners 800 . 346 . 0346 www.auto-owners.com 44 Bailey Special Risks, Inc. 800 . 768 . 7475 www.bsrins.com 43 Berkley Southeast Insurance Group 615 . 932 . 5508 www.berkleysig.com 27 Berkshire Hathaway Guard Insurance Cos. 800 . 673 . 2465 x4567 www.guard.com/apply 49 BlueCross BlueShield of Tennessee 800 . 565 . 9140 www.bcbst.com 46 Builders Mutual 800 . 809 . 4859 www.buildersmutual.com 7 CGI Digital 800 . 398 . 3029 www. cgidigital.com 30 CRC Group 615 . 589 . 8349 www.crcgroup.com 24 EMC 800 . 447 . 2295 www.emcins.com 8 Fortified 615 . 440 . 0744 www.fortifiedagencies.com 38 Harford Mutual 800 . 638 . 3669 www.harfordmutual.com 33 Imperial PFS 443 . 613 . 4820 www.ipfs.com 48 INSBANK 866 . 866 . 4268 www.insbanktn.com 22 J.M. Wilson 800 . 595 . 0063 www.jmwilson.com 32 Liberty Mutual/Safeco 800 . 837 . 5254 libertymutual.com | safeco.com 34 Lipscomb & Pitts | A Higginbotham Partner 901 . 335 . 0951 www.lpinsurance.com 47 LUBA Workers' Comp 888 . 884 . 5822 www.lubawc.com 41 MidSouth Insurance Company 844 . 438 . 6642 www.midsouthmutual.com 56 Mountain Empire Agency Alliance 423 . 560 . 6077 www.meaa4u.com/insurors 20 National Security Group 800 . 239 . 2358 x213 www.nationalsecuritygroup.com 43 Penn National Insurance 800 . 395 . 0518 www.pennnationalinsurance.com 37 Progressive 800 . 776 . 4737 www.progressive.com 45 RLI 615 . 515 . 2609 www.insurors.org 19 Selective Insurance 877 . 744 . 3125 www.selective.com 14 SFM 952 . 838 . 4207 www.sfmic.com 51 Stonetrust Insurance 800 . 311 . 0997 www.stonetrustinsurance.com 42 Southern Trust 800 . 476 . 5566 www.stins.com 52 Swiss Re Lawyer's Professional Liability 630 . 213 . 9952 www.swissre.com 16 West Bend Mutual Insurance Co. 800 . 236 . 5010 www.thesilverlining.com 2

CO N T I N U I N G E D U C AT I O N REGISTER NOW AT INSURORS.ORG 54

The Tennessee Insuror

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

Independent Agent Magazine Reviews the Biggest Stories of 2025 • Episode 496 • December 18, 2025 • 26 minutes This end-of-year episode of Agency Nation Radio is brought to you by the editors of Independent Agent magazine. Will Jones, editor-in-chief, hosts the discussion and is joined by Olivia Overman, content editor, and AnneMarie McPherson Spears, news editor. Together, they look back at 2025 and highlight the biggest stories that shaped the insurance industry and the independent agency channel. From market predictions and homeowners coverage challenges to cybersecurity breaches, tax reform and government shutdowns, they revisit the headlines that captured your attention and impacted your business. Plus, the editors share insights on what these trends mean for independent agents moving forward. “We’ve talked a lot throughout the year about increased [artificial intelligence] usage and the benefits it brings,” Spears says. “But we’re also starting to see some concerns from agents and customers as more of the risks of AI begin to play out.” Agency, Career and Coastal Growth With Kelley Carter • Episode 495 • December 3, 2025 • 14 minutes On this episode of Agency Nation Radio, we chat with Kelley Carter, president of Choice Insurance Agency, Member of Choice Financial Group in Virginia Beach, Virginia. Carter kicked off her career by working for several years in agency marketing roles, helping her understand how marketing strategy is essential to accelerating agency growth. In October, she was appointed division president of Choice Insurance Agency, where she is focused on sustaining and expanding its position as one of the fastest-growing brokerages in the country. “We’re growing so fast and we have so many new growth opportunities within Choice”, Carter says. “We’re building an amazing company and group of people all working towards a common goal.” Legal System Abuse: Rising Costs for Insurance • Episode 494 • November 19, 2025 • 29 minutes On this episode of Agency Nation Radio, host Nathan Riedel, Big “I” senior vice president of federal government affairs, is joined by Jeff Beck, senior vice president of government and regulatory affairs at Selective Insurance, and John Barbour, CEO of the Independent Insurance Agents of Georgia. Together, they dive into legal system abuse and its impact on insurers and policyholders. They also unpack the key reforms passed in Georgia earlier this year, how they came about The Tennessee Insuror

and the insights they offer for other states and the federal government moving forward. “Commercial lines, personal lines, every line is being impacted by the legal system abuse,” Beck says. Exploring AI: Optimizing AI Usage • Episode 492 • October 22, 2025 • 28 minutes This episode of Agency Nation Radio is the fourth and final episode in a special series about artificial intelligence (AI) brought to you by the Big “I” Agents Council for Technology’s (ACT) AI workgroup. Host Colby Royal Tunick, founder and CEO of Refocus AI in San Diego, California, is joined by Patrick McBride, owner of The McBride Agency in Dixon, Illinois. Together, they dive into how AI is transforming everyday agency operations and how to optimize it effectively. They explore the streamlining workflows and enhancing client experience to find the right balance between automation and the human touch. GEICO Talks Independent Agents and Highlights from Applied Net 2025 • Episode 491 • October 15, 2025 • 44 minutes Recorded live from Applied Net 2025 in Las Vegas, this special edition of Agency Nation Radio features insights from the industry’s biggest event. On this episode, Will Jones, editor-in-chief of Independent Agent magazine, talks with Carrie Poindexter, senior director of agency operations and Jonathan Somich, director of communications at GEICO, about attending Applied Net for the very first time. Also, Peter van Aartrijk, executive vice president at Aartrijk, talks with Richard Hartley, co-founder and CEO of Cytora, about Applied Systems’ acquisition of the company and how AI can help the industry reclaim time to reinvest in both work and life. Then, Kasey Connors, executive director of the Big “I” Agents Council for Technology (ACT), sits down with Brenna Johnson, vice president of product management at EZLynx, to discuss innovations that make life easier for users. u 55

Workers’ Compensation InsuranCe For tHose WHo Build our Communities

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

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