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The insurance industry is undergoing significant changes, largely driven by technological advancements. Just when I think I've caught up with the latest tech, a new product ad lands in my inbox. As we navigate this evolving landscape, it's crucial not to overlook the resources and tools available through your Big I Kentucky membership.
No time to research a new agency management system? Interested in adding a mobile app to your agency’s services? Or maybe exploring a commercial or personal lines quoting system? Feeling overwhelmed? Don’t worry! The Big I Kentucky Board of Directors has reaffirmed our partnership with Catalyit, your online tech guidance partner. With a full-access membership, you have access to limitless resources, including phone consultations. When technology confuses me, the last thing I want is to use an anonymous "ask me a question" box on a website. Having the option to speak directly with a knowledgeable tech consultant anytime is invaluable to my agency.
Are you an expert in your agency’s website content? Me neither. Did you know that your website content could potentially lead to an E&O claim? Agency websites are increasingly scrutinized in claims. To ensure your agency is protected, consider conducting a virtual E&O audit and website review through our association.
Now, shifting gears from technology to talent— specifically, female talent.
I had the privilege of attending the 2024 Women Leaders Insurance Conference on June 12 at The Olmsted in Louisville. The room was filled with incredibly talented women from the industry. Women excel as empathetic, detailoriented communicators and collaborators. Their contributions are reshaping how insurance is delivered and redefining the industry's culture. A highlight for me was hearing students from Eastern Kentucky University talk about their female mentors through Women Leaders in Insurance and the valuable insights and relationships gained through their mentorships. Mentorship and support networks are crucial for women's success in insurance. By connecting experienced professionals with emerging leaders, we can cultivate a strong pipeline of talent and ensure ongoing success for women across the industry.
At Big I Kentucky, we are dedicated to creating an inclusive environment where women can thrive and lead. With Whitney Floyd serving as the Big I Kentucky Chair last year and me taking over in 2024, the association is truly recognizing and celebrating women in insurance leadership. I extend my thanks to them and the current Board of Directors for providing a platform for women to share their experiences, insights and strategies for success.
Don’t forget to mark your calendars for our upcoming events this summer, including the Clay Shoot on August 22 and the Virtual Road Shows with free CE on September 24 and 26. Thanks so much!
The Kentucky Constitution mandates that a regular legislative session be completed by April 15 in even-numbered years and by March 30 in odd-numbered years. This year the legislative session ended on April 15 when the legislators adjourned “sine die.” The sessions are usually long and intense for the legislators with interim meetings for the remainder of the year. For the Kentucky Department of Insurance, legislation usually turns into a year-long responsibility and the 2024 Regular Session was no exception.
State agency proposed legislation drafts for the 2024 Regular Session were due to our Governor’s Office no later than the first of August 2023. The Department needed two legislative proposals so our drafting language process started in April 2023. We are thankful that both of our proposals were approved into law—particularly HB 498 which addressed statutory changes the Department needed to maintain our national accreditation. A special thank you to Rep. Sarge Pollock for sponsoring that legislation.
During legislative sessions, the Department is busy since insurance legislative proposals always seem to be an area of interest and we must review and be ready to provide comment on each one. At the conclusion of the session, there were 19 bills passed that the Department will need to implement or put into practice. The majority of enacted legislation goes into effect 90 days upon conclusion of the session but if there is an emergency clause attached to the legislation, it goes into effect immediately.
In the 2024 session, there were two insurance related emergency bills passed and the Department will need to play “catch up” to
ensure that the industry is abiding by those statutes. We provide this direction to industry by issuing advisory opinions since administrative regulations usually take 8 months to go into effect. Most of the 19 bills will not be difficult to implement but there are a couple that will be “heavy lifts” for us. That lift started on April 16 or the day after the session and will continue with going through the administrative regulations process, consulting with our actuaries and other states, as well as, outside entities.
Our legislative bulletin summarizing the 19 bills will be posted soon to our website and the remainder of the year will be spent on building the foundation for a successful implementation of our “heavy lifts”- HB 256 (Strengthen Kentucky Homes) also sponsored by Rep. Pollock and SB 188 which relates to patient access to pharmacy benefits. We hope to have those foundations built by the end of the year to prepare for the 2025 Regular Session. As I said, it is a year-round process for the Department but my DOI Family always meets the challenge.
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"To effectively mitigate E&O risks, an agency should continue regular E&O risk mitigation activities, focus on data integrity and educate internal staff on the goals of utilizing AI."
By: Mallory Cornell, Virtual Agency Solutions
As many of you know, we cannot discuss the excitement of AI without including at least one page about the E&O risks and exposures. Not to worry, however. There shouldn’t be too much that keeps you up at night or would be a barrier to moving forward on your AI journey.
When considering AI for your agency, I believe there is much more upside than risk, particularly for the agency itself. Many risks can be mitigated through strong risk transfer language in contracts or engagement with the companies and the data produced.
AI models heavily depend on the data quality they are trained on. If the training data is biased, incomplete, or inaccurate, the AI system may produce flawed results, leading to errors and omissions. The agency’s responsible for managing the workflows and processes associated with inputting data. More proactively, review your agency data before exploring AI for the agency.
AI algorithms can inadvertently learn biases in the data, leading to discriminatory or unfair outcomes. This can result in legal liabilities and reputational damage for organizations using AI systems. Your knowledge and experience becomes essential as you review the outcomes and prepare any client-facing documents generated by AI.
3.
AI models, especially deep learning models, can be highly complex and difficult to interpret. If users cannot identify how AI arrived at its decisions, fixing errors may be challenging. This ranges from customers receiving marketing materials to product recommendations on insurance coverage.
Organizations using AI must comply with various regulations and standards related to data privacy, security, and fairness. Again, enlisting the help of professionals in this space is essential as you consider how and where your data and intel will be used.
5. Cybersecurity Risks:
AI systems may be vulnerable to cybersecurity threats. Completing a cybersecurity scan and utilizing the appropriate means to protect your agency and its data should be at the forefront of the business – even if you’re not using AI.
6. Deployment and Integration
Challenges:
Implementing AI systems into existing workflows and processes can be complex. Integration issues can lead to unintended consequences and E&O risks, so once again, reviewing your agency data to ensure complete and accurate client files should be an ongoing task of the agency.
To effectively mitigate E&O risks, an agency should continue regular E&O risk mitigation activities, focus on data integrity, and educate internal staff on the goals of utilizing AI.
Whenever new technology or workflows are introduced within an agency, the team typically receives ongoing training, workflows, and tools to help successfully onboard the process. It should not be any different with AI. Ensure the team is ready to accept the change and there is 100% buy-in where it is needed.
Agency owners do not need to be experts in AI; they should seek external assistance from AI companies, Catalyit, Big I staff and their Swiss Re E&O providers.
A DEEPER DIVE: Most Used by Agency Revenue (2024 vs 2023)
Total Revenue
Less than $500K
$500K to $1MM
$1MM to $2MM
$2MM to $3MM
$3MM to $5MM
More than $5MM
EZLynx (Applied): 19% (2023: 25%)
EZLynx (Applied): 19% (2023: 20%)
Applied Epic: 22% (2023: 25%)
Applied Epic: 34% (2023: 40%)
Applied Epic: 45% (2023: 53%)
Applied Epic: 46% (2023: 52%)
*From left to right: most used, second-most used, and third-most used
Top 3 Platforms Used*
AMS360 (Vertafore): 13% (2023: 14%)
AMS360 (Vertafore): 15% (2023: 17%)
AMS360 (Vertafore): 20% (2023: 37%)
AMS360 (Vertafore): 28% (2023: 24%)
AMS360 (Vertafore): 20% (2023: 22%)
AMS360 (Vertafore): 25% (2023: 34%)
HawkSoft: 10% (2023: 17%)
HawkSoft: 12% (2023: 6%)
Applied TAM: 12% (2023: 9%)
HawkSoft: 12% (2023: 10%)
HawkSoft: 10% (2023: 6%)
HawkSoft: 7%
Applied Epic and AMS360 (Vertafore) are the top AMS for agencies with more complicated client needs. Agencies with more traditional clients tend to gravitate to EZLynx and QQCatalyst (Vertafore). HawkSoft saw significant growth among agencies, with revenue between $500K and $1MM. Applied Epic and AMS360 (Vertafore) experienced a decrease among those with $1MM or more in revenue, which may be due to agency consolidation. These systems help optimize insurance agency operations by integrating with carrier platforms and providing full accounting services and marketing automation tools, enhancing productivity, customer service, and overall efficiency.
Cybersecurity is crucial for safeguarding customer data. Surprisingly, 66% of respondents do not have a cybersecurity solution. Most rely on local IT providers, who may specialize in something other than cybersecurity. Cybersecurity solutions typically include antivirus software, firewalls, encryption tools, and employee training. Independent agents handle sensitive client data, exposing them to potential financial loss, damage to their reputation, and legal liability resulting from data breaches. These risks can be mitigated by implementing cybersecurity solutions, allowing agents to maintain their reputations as trusted business partners.
Applied Analytics leads in usage, while AgencyKPI and DONNA (Aureus Analytics) score highest in customer satisfaction. Only 18% of surveyed agencies use data analytics models. Many agencies are missing opportunities for insights and sales optimization. Data analytics technology enables agents to collect, process, and analyze diverse data, revealing patterns, trends, and opportunities. By adopting data analytics, independent agents stay competitive and make informed decisions when responding to market changes.
*Winding down business operations as of April 2024
Small commercial quoting platforms significantly reduce the cost of acquiring this class of business. Modern quoting platforms provide tools for tracking quote status and generating follow-up tasks, enabling agents to manage their sales pipeline effectively and close deals. Tarmika (Applied) is the leader in the commercial quoting platform market. New players like QuoteWell are emerging as promising solution providers. Independent agents can save time, reduce errors, and increase sales productivity and revenue using commercial quoting platforms.
Personal lines quoting platforms have been in use for some time. These platforms allow agents to quickly and easily create professional quotes customized to clients' needs and preferences. By providing various templates and customization options, quoting platforms save time, improve accuracy, and enhance the client experience. Additionally, they help agents keep track of issued quotes, monitor pending deals, and establish an effective lead follow-up process. The top 3 personal lines quoting platforms are PL Rating (Vertafore), EZLynx (Applied), and Applied Rater/Epic Quotes, with 89% of respondents using one of these tools.
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By: Agent for the Future
In an ever-changing market environment, women in insurance agencies are rising to the challenge.
While the leadership gap persists for women in insurance and across all industries, women continue to outnumber men in customer-facing roles like CSRs and producers. Women make up only 26% of agency principals or owners but over 75% of frontline staff. That means women in agencies are often the first point of contact for customers, guiding them through transactions, advising them on coverages and helping them understand their options.
New research from Liberty Mutual and Safeco Insurance reveals just how highly regarded these interactions are for consumers and how much value they bring to an agency. In the face of everchanging market conditions and consumers wanting guidance more than ever before, women in insurance agencies appear to be ahead of the curve in providing it. This raises the question: How can insurance agencies create more leadership opportunities for women that deliver what insurance customers value?
Our latest research explores the unique strengths women bring to insurance agencies, what consumers want and need from agents and why retaining women is more important than ever.
Our research on women in insurance agencies
In March 2022, Agent for the Future released The State of Women in Independent Insurance Agencies, which explored some of the unique challenges women in insurance face and how agencies can better support them.
The following year, Agent for the Future released a 2023 update that examined the leadership gap for women in insurance and provided actionable guidance for insurance leaders to pave better pathways to leadership for women.
This report summarizes findings from Liberty Mutual’s 2024 Agent-Customer Connection Study. For the study, the research team at Liberty Mutual and Safeco Insurance surveyed 1,133 independent
insurance agency leaders and team members, including 618 women, and 1,110 consumers, including 552 women.
The past few years have brought a lot of unpredictability. Dynamic market conditions, steep inflation and rapidly evolving technology are just a few factors driving big changes in the insurance industry and beyond.
Listening to customers and understanding the ins and outs of their personal circumstances have taken on new importance. Not only are their lives and coverage options more nuanced, but their perceptions of and tolerance for risk are, too.
As trusted advisors, agents are in a great position to offer the guidance customers want and need. But customer satisfaction depends not just on what agents do, but how they do it.
When asked about the traits they value most in an independent agent, consumers cited experience with insurance, responsiveness, ability to help them understand their insurance options, being proactive in knowing client needs and being an excellent listener as the top five.
Women and men in agencies reported similar strengths when it came to experience with insurance and listening, but women stood out when it came to responsiveness and proactivity. When compared to men, women were more likely to say responsiveness (72% to 64%) and proactivity in knowing client needs (35% to 26%) were among their top strengths.
The numbers show women’s aptitude in these areas translates into their leadership styles as well. When we looked at female principals and owners in particular, they were more likely than male principals and owners to report making it easy for clients to understand insurance options (67% compared to 59%) and being proactive in knowing their clients’ needs (38% to 24%) among their top strengths.
Women in agency leadership have the qualities that customers look for – qualities that make them great leaders. In spite of this, our research shows what may be the early signs of a backslide in the number of women in agency leadership roles postpandemic. Our 2022 research report showed that women made up 31% of owners or principals in insurance agencies. That number decreased to 26% this year.
With women across agencies so strong in these areas, their lack of representation in leadership stands out as a business risk. We already know that getting more women into leadership roles is good for business, but our research suggests it’s also what customers want.
Building relationships through trusted guidance and risk forecasting has always set the IA channel apart, but it seems the most successful agencies will be those that double down and make this the center of their culture. And with agency leaders steering the ship when it comes to agency culture, the research shows women are right for the job.
Though women and men seem to value similar traits in an agent, our research did highlight significant gender differences in how insurance consumers experience the world.
Compared to male insurance consumers, female insurance consumers reported less confidence in their insurance knowledge and a preference for having the advice of an expert when making decisions. This doesn’t necessarily mean that women know less about insurance than men do, but it does suggest that women in particular value the expertise and guidance agents offer.
Similarly, female consumers reported being less comfortable with financial risk, more worried about bad things happening to them or their families and more likely to want comprehensive coverage for low-probability risk factors. Considering even women who work full-time outside the home bear the greatest responsibility for household tasks and caring for dependents, it’s understandable why concerns about household finances and security are top of mind.
According to our research, 90% of female consumers surveyed said they are primarily responsible for child and/or pet care.
Women insurance consumers are by no means a small share of the market, with 85% of the women we surveyed saying they are primary decision makers for insurance purchases. And research shows that women’s purchasing power will continue to grow — data and analytics firm Nielsen predicts that women will own 75% of all discretionary spending by 2028.
This points to a big market opportunity for independent agents, who offer the counsel and guidance that female insurance purchasers want. And with principals/owners who are women reporting particular strengths around making it easy to understand insurance options and being proactive in knowing their client’s needs, our research suggests women-led agencies might offer a particularly good culture fit for female insurance consumers.
In a complicated market environment, building trust and loyalty with customers is essential for success. While inflation, supply chain issues and extreme weather events are out of agents’ control, helping customers feel supported is not.
Women in agencies are delivering on the consumer demand for responsiveness, proactivity and making it easy to understand insurance options. It’s time agencies adequately reward and recognize their contributions to customer satisfaction and agencies’ bottom lines.
If you’re an agency leader, talking to women in your agency about their career aspirations is a great place to start. Research from Liberty Mutual and Safeco Insurance shows that women often feel they have to prove themselves more than their male colleagues to reach the same level. The skills required for service staff are also great qualities in a leader — empower the women at your agency to dream big and help create clear pathways to get there.
If you’re a woman in an agency looking to grow your career, make your intentions known. Ask your manager what it would take to get you to the next level, whether that’s having added responsibility or a new title. Even if you’re not 100% sure you have what it takes, be confident you will learn and remember you already have the qualities that customers value.
Not everyone has dreams of being in a leadership position, and that’s okay, too. Pay equity, benefits packages, parental leave and flexibility are great ways to compensate and reward women’s contributions at every level.
When businesses don’t recognize and reward women’s contributions, they risk losing crucial employees. In a 2023 survey by Workhuman, 48% of women surveyed said they feel undervalued at work. Deloitte’s 2023 report on women at work revealed that more survey respondents left their jobs in 2022 than in 2020 and 2021 combined, and lack of flexibility around working hours was one of the top cited reasons.
No matter the market conditions, people are an essential part of your business and women are a big part of that. Overall, the insurance industry is a great place for women, but agencies can do more to support and empower women in the channel. Prioritizing this will lead to better business outcomes, better customer relationships and better futures for agencies and their employees.
This article was originally featured on Agent for the Future
The E&O Guardian insurance agency risk management web site is designed to arm Big “I” members with information and tools to mitigate agency errors and omissions. Big “I” members can tap into a variety of educational materials designed to safeguard your agency. Explore the site and dive into specialty agency risk management articles on a wide variety of topics, recorded webinars, sample checklists, sample letters, an archive of newsletters, and more. Your future is in your hands!
“Partnering with Shepherd Insurance six years ago was the best business decision I have ever made. The support and resources made available to myself and my fellow teammates provides our clients with a “Best In Class” experience. Shepherd provides a unique and wonderful model that allowed us to maintain what makes our agency unique while providing support for continued growth, professional development, and advancement opportunities for our employees.”
Executive Partner
By: Rachel Stauffer, HawkSoft
Independent insurance agencies offer their clients the freedom to choose the best policy for their needs, irrespective of carrier. But is your agency following that same principle with your tech stack?
In this digital age, client and policy data is one of an agency's most valuable assets, and maintaining the agency's ownership and autonomy over that data— independent of the systems it resides in—is paramount. For an agency to truly function independently, you should have the ability to utilize your agency's data whenever and wherever you need it.
How can you proactively maintain ownership and control over your agency's data? Here are three steps
every agency should take to advocate for and safeguard their agency's data autonomy.
1) Establish data ownership agreements with technology providers. In the insurance industry, client data passes through many different systems that are used by the client, agency, carrier and technology providers. Subsequently, which party claims ownership of that data is often murky.
It's up to the agency to advocate for the ownership and control of its data in the agreements signed with technology providers, including agency management systems and any other systems client data passes through. Most providers require agencies to either sign
a contract or licensing agreement, or accept their terms and conditions to use their product. A lot can be hidden in that fine print, and agencies often don't realize they're sharing or even signing away control of their data to the technology provider.
Before accepting any agreement with a provider, establish whether the vendor is entitled to share, sell or otherwise use your agency's data without your consent. If the contract language is unclear or doesn't mention data ownership, it could be a red flag that the provider isn't willing to recognize the agency as the data's owner. Ask the provider for clarification in writing before accepting an agreement. If the vendor's views on data ownership don't mesh with yours, you may want to take your business elsewhere.
Also, examine technology providers and choose one you trust. Consider who owns or has a stake in the company, and what their motivations could be. If the company has outside investors or has changed ownership recently or many times in the past, the scope of the product and the agreement may change in the future as well.
“It's important for your agency to feel comfortable that you can place your trust in a vendor not only at the moment you sign the agreement but well into the future," says Rushang Shah, chief marketing officer at HawkSoft. “Technology providers that are committed to remaining privately owned wield the advantage of having fewer stakeholders to answer to besides the agent. They can focus purely on what's best for the agent rather than making a quick return on investment."
Questions to ask include:
• Does the contract stipulate whether the data you enter into the system can be shared, sold or otherwise used by the provider or other parties?
• Do you trust the owner of the company and know the parties that have stakes in it?
• What is the likelihood of the company changing ownership in the future?
2) Ensure your data isn't siloed in a single system. True data independence means your data isn't trapped in one system—you should be free to change systems if necessary for your business. But technology providers often make it difficult for agencies to leave by locking them into long-term contracts and making it costly and time-consuming for them to get a copy of their own data, often charging thousands of dollars in data extraction fees and taking months to provide the agency with a copy of their own data when they leave.
Don't be seduced by vendors that seem to have incredibly low rates but hit agencies with unreasonably high charges to move their data into or out of the system. “Agencies are sometimes blinded by a low introductory offer for a management system," says Paul Moyes, HawkSoft's vice president of sales. “What they may not be taking into account is how costly that decision can become when they are bringing data with them or when they want to change systems down the road."
To understand termination requirements and fees, questions to ask include:
• Does the agreement specify a minimum term of use?
• How much notice are you required to give before leaving the vendor?
• Can you retrieve a copy of your data from the system at any time?
• How much does the vendor charge for providing a copy of your data if you leave, and how quickly will they provide it?
• If you want to move your data, what format is the data provided in, and is it easy to manipulate or convert to another system?
• If you are bringing past data to a new vendor, how much will they charge to convert the data to their system, and how long will it take?
3) Build an integrated tech stack where data can move freely between systems. Another important tenet of data autonomy is the ability to connect your client data to all the different systems that help you run your business, whether it's marketing automation, review management, raters or other tools. One of the best ways technology providers facilitate access to client data for other platforms is through application programming interface (API) integration. Platforms that offer API integration with a variety of systems demonstrate that they are committed to meeting all the needs of an agency—not just the ones solved by their product.
Agency management systems are built to be the best at policy management—not necessarily the best at email marketing or payment processing or other tasks that are also important to an agency. Rather than trying to find one comprehensive system that “has it all," focus on platforms that specialize in what they do best and integrate with other systems that are experts in their own spaces.
This approach allows you to extend and customize your tech stack in the way that works best for your agency— and it gives you a best-in-class experience in each area.
It also offers the flexibility to choose the integrations that are most important for your agency, so you can scale your business as your needs evolve instead of paying for a glut of features you don't use. Rather than being constrained by the features or limits of a single system, you can simply add or remove tools to your integrated technology ecosystem.
When considering the integrations offered by a management system, see whether the provider offers multiple integration choices in each category. This ensures you can change integration partners down the road if needed. Don't like the way emails look in one marketing automation solution? Simply plug in a different one. Freedom of choice lets you tailor your technology to fit your agency—not the other way around.
Keep in mind that the quality of a vendor's API partners is just as important as the quantity they offer since the partners will be accessing your data if enabled. Look for providers who thoroughly vet their partners and hold them to data practices that are fair to the agency.
“The single most important aspect of my job is ensuring we partner with vendors we can trust, who are committed to respecting an agency's ownership of their data as much as we do," says Kenny Hendricks, director of partner integrations at HawkSoft. “Agencies should take the same care in vetting vendors themselves."
If a vendor or carrier contract doesn't clearly address data ownership, here are two examples of language you can request they add, provided by the Big “I" Office of the General Counsel:
For vendor contracts: At any time during this Agreement or after its termination, Vendor will destroy or return to Client all data, information and other materials of Client within Vendor's possession, custody or control upon Client's request. Vendor will deliver such items to the Client in a timely manner and in a mutually agreeable format. Vendor acknowledges that Client's data, information and other materials shall remain the exclusive property of Client and shall only be used consistent
Questions to ask:
• Does the vendor offer API integrations or other data connection methods with other systems?
• How many integration partners are available? And are they the systems your agency uses or would like to use in the future?
• Does the vendor continue to add new integration partners on a regular basis?
• Does the vendor vet its integration partners to ensure quality integration and hold partners to fair data practices?
• Do the integration partners have clear language about the ownership and use of your data?
Making data autonomy a reality for your agency requires advocacy and careful consideration when choosing technology partners. Partner with technology providers and integrated systems that recognize and respect the ownership of agency data, allow you to customize and scale your technology stack, and facilitate the utilization of your data in the way that's best for your agency.
This article was originally published in IA magazine
with delivering the services set forth in this Agreement.
For appointment contracts: The use and control of the Agent's expirations, including those on direct billed business, the records thereof, and the Agent's work product and data relating thereto, shall remain in the undisputed possession and sole ownership of the Agent. The Company shall not use its records or the Agent's expirations in any marketing method for the sale, service, or renewal of any form of insurance coverage or other product, nor shall the Company refer or communicate the Agent's expirations, including records, work product or data relating thereto, to any other agent or broker, or affiliate or company, without prior express written permission from the Agent.
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EMERGING LEADER
CLAY SHOOT
Wilmore, KY
August 22, 2024
VIRTUAL ROAD SHOWS Online
September 24 & 26, 2024
EMERGING LEADER FALL TAILGATE
Lexington, KY October18, 2024
ANNUAL CONVENTION & TRADE SHOW
Louisville, KY
November 20-22, 2024
LOUISVILLE CE DAY Louisville, KY February 2025
Established Louisville agency interested in acquiring insurance agencies in Jefferson and surrounding counties. If you are interested in selling, merging, or need assistance with perpetuation, we would like to talk with you in confidence.
Call Kevin Lavin, CIC or Philip Anderton, CIC, CRM at Sterling Thompson Company at 502-585-3277
Independent with top best markets looking to expand presence in Jefferson, Oldham or Shelby counties. Wanting Personal lines Producer or book of business to move or purchase. All arrangements possible, in strict confidence.
Please send inquiries to:
Turner Insurance Agency, 2460 Shelbyville Road, Shelbyville, KY 40065 or call Kurt Turner, CPCU at 502-633-6060.
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Being knowledgeable of NFIP coverages and changes is crucial in communicating the need for
Selective and Big “I” Flood leverage a variety of channels to keep members up to speed, including:
Continuing education classes offered by state associations and taught by Selective Territory Managers or other industry experts
Regularly issued communications from Selective about NFIP legislative changes and how they impact agents and customers
Numerous publications providing industry updates:
Insurance News & Views weekly e-newsletter Two for Tuesday weekly e-newsletter
Big I Advantage® Newsletter publication
Independent Agent magazine special features NFIP reform announced in state association publications
Access to Big "I" Virtual University, which has a section dedicated to the answering the most dif�icult �lood insurance questions and offers links to the most important NFIP news.
To learn more about Big “I” Flood visit www.independentagent.com/Flood today.
(as of 6/13/24)
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