Insurors of Tennessee Product & Service Guide 16

PRODUCT & SERVICE GUIDE 2016

THE TRUSTED CHOICE FOR TENNESSEE AGENTS

PRODUCT & SERVICE GUIDE 2016

2500 21st AVENUE SOUTH, SUITE 200 NASHVILLE, TN 37212 615.385.1898 1.800.264.1898 WWW.INSURORS.ORG twitter @INSURORS Facebook /INSURORS LinkedIn INSURORS OF TENNESSEE INFO@INSURORS.ORG

THE INFORMATION HEREIN IS COPYRIGHT OF INSURORS OF TENNESSEE 2016

MISSION THE MISSION OF INSURORS OF TENNESSEE is to be unrelenting advocates of independent agents and brokers and to fulfill their political, educational and business needs while working in the public’s best interest.

The Independent Insurance Agents of Tennessee, Inc., dba Insurors of Tennessee is a trade association of independent insurance agents. It is the oldest and largest insurance association in the state of Tennessee.

A LOT OF PEOPLE ASK, “WHAT IS THE INSURORS OF TENNESSEE?” Insurors of Tennessee is a professional association of independent insurance agents. Our purpose is to offer support to these agencies so that they may better serve the public. We accomplish this in several ways, through lobbying efforts, offering insurance and non-insurance products that fill agency needs, providing a continuing education source for agents and making sure agents have the information and resources they need – when they need it – through our publications and research.

CONTENTS STAFF CONTACTS GET INFORMATION ON WHO TO CALL AND HOW WE CAN HELP.

PROFESSIONAL LIABILITY ERRORS & OMISSIONS PROGRAMS AND OTHER PROFESSIONAL LIABILITY PRODUCTS

MARKETS MARKETS AND SPECIALTY PROGRAMS TO HELP YOU PLACE COVERAGES

ENDORSED PROGRAMS PROGRAMS SELECTED BY INSURORS TO BE OF BENEFIT TO YOUR AGENCY

GOVERNMENT AFFAIRS INFORMATION ON OUR EFFORTS TO SERVE YOU THROUGH LOBBYING AND POLITICAL ACTION

EDUCATION DESIGNATION PROGRAMS AND CE SET TO MEET THE EDUCATION NEEDS OF YOUR AGENCY INFORMATION PUBLICATIONS, RESOURCES AND RESEARCH TO KEEP YOU UP-TO-DATE

TRUSTED CHOICE OUR NATIONAL BRANDING PROGRAM TO STRENGTHEN THE INDEPENDENT AGENT BRAND WITH CONSUMERS MARKETING ADVERTISING, SUPPORT AND SERVICES TO HELP LEVEL THE PLAYING FIELD

EVENTS NETWORKING OPPORTUNITIES TO HELP YOUR AGENCY GROW

INDEX

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4-5

6-7

7-9

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10-11

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STAFF THE STAFF OF INSURORS OF TENNESSEE is made up of a team of professionals that have years of valuable experience in supporting independent insurance agents.

CHUCK BIDEK, CPCU, MBA

Chief Executive Officer

615.515.2600 cbidek@insurors.org Legislative Issues, Agency Management, Forprofit Programs, Industry Issues, E&O, Titans Radio Marketing

ASHLEY GOLD, J.D.

General Counsel

615.515.2606 agold@insurors.org Legal Questions, Legislative Issues, Convention, Workers’ Compensation Questions, Association Management, Operations

DANIEL SMITH

Director of Communications 615.515.2601 dsmith@insurors.org Publications, Advertising, Convention/Trade Show, Marketing, PR, Website, Membership, Company Liaison, Young Agents Liaison

DAVID WILLIAMS

Market Development Manager

615.515.2605 dwilliams@insurors.org Insurance/Regulatory Questions, RLI In-Home Business & Umbrellas, Workers’ Compensation Questions, Company Filings, Research

LAURA THROWER

Member Services

615.515.2607 lthrower@insurors.org Continuing Education, Course Registration, Member Services, Member Database Updates, Membership, Administration

COLLEEN VANCE

Accounting Specialist

615.515.2603 cvance@insurors.org Finance Agreements, Invoicing, Billing and Accounts Payable

STEPHEN HOLMES, CIC, CISR

E&O Specialist

615.515.2609 sholmes@insurors.org Errors & Omissions Programs, RLI In-Home Business & Umbrellas

DAKOTA WEATHERFORD

Marketing & Research Coordinator

615.515.2608 dweatherford@insurors.org Membership Updates, Social Media, Research

DON CUNNINGHAM, CIC, CPCU

Membership Development

615.515.2602 615.499.0845 cell dcunningham@insurors.org Agent Liaison, Field Representative, E&O Audits

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PROFESSIONAL AT INSURORS WE REALIZE THAT PROTECTING THE FUTURE OF YOUR AGENCY IS A MAJOR PRIORITY. You trust us to represent your interests at the highest political levels and as your association we also want to provide you with the security of knowing you are getting the best overall Errors & Omissions (E&O) value in the marketplace—not just a policy, but a comprehensive program.

Westport E&O Coverage For over 40 years, the Big “I” Professional Liability Program underwritten by Westport Insurance Corporation, a member of the Swiss Re Group, has been the premiere choice of IIABA member agents for insurance agents and brokers E&O insurance.

The Big “I” Professional Liability Program offers not just a policy, but a comprehensive program for insurance agents. Over the past two decades the Big “I” Professional Liability Program, underwritten by Westport Insurance Corporation, a member of the Swiss Re Group, has grown into the largest and most stable insurance agents E&O program in the nation.

While other carriers have come and gone from the E&O marketplace, Westport has remained a strong, reliable partner for Tennessee’s agents.

Stability: Swiss Re has remained in the agents E&O market for years through soft and hard markets.

Strength: Rated A+ (Superior) by A.M. Best and offering the strongest coverage form in the market Teamwork: Administered by your association staff offering your agency what you offer your clients, choice and advocacy.

Fireman’s Fund E&O Coverage With more than 25 years of experience, Fireman’s Fund is an industry leader in providing liability coverage for agents and brokers against E&O. Through their partnership with the Big “I”, Fireman’s Fund can offer competitive, customized solutions for your agency. A member of the Allianz Group, one of the world’s largest property and casualty insurance providers, Fireman’s Fund has a solid financial foundation, rated A “Excellent” by A.M. best. Highlights include coverage for the sale of both P&C and L&H agents, a broad definition of covered professional services and activities, expert witness testimony covered, aggregate deductibles and more.

Additional E&O Markets In instances when an account does not fall within the underwriting guidelines of our standard markets – Swiss Re/Westport or Fireman’s Fund – we have access to numerous E&S markets through national brokers.

Contact Stephen Holmes at sholmes@insurors.org for more information on any of these Professional Liability products and programs

LIABILITY E&O Happens

RIsk Management Online

Big “I” members whose agency E&O insurance is written by Swiss Re through the Big “I” Professional Liability Program have access to an exclusive risk management website.

Log on today to search for E&O claims frequency data, real-life case studies and analysis, sample client letters, sample agency procedures, agency E&O self assessments, podcasts on important E&O topics and much more at www.iiaba.net/EOHappens Commercial Umbrella A commercial umbrella underwritten by Swiss Re (rated A+ by A.M. Best) is now available exclusively to Big “I” members.

• • • •

Designed in collaboration with the IIABA to meet the needs of independent insurance agents Broad coverage over primary casualty lines, including E&O Available in Tennessee and nationwide May be written over a variety of E&O carriers

Audits

E&O Risk Assessment Program

Insurors Field Representative Don Cunningham, CIC, CPCU is approved by Swiss Re to perform agency E&O audits and provide on-site assessment of E&O liability potential. Previously there were approximately 22 Swiss Re approved auditing firms outside the state of Tennessee. Insurors believes that by offering this service “in house,” exclusively to member agencies, we can be more responsive to their needs and schedules, and provide the service more efficiently than other auditing firms. Swiss Re has also approved E&O liability premium reductions of up to 10% for five years upon compliance with any audit recommendation.

Contact Don Cunningham at dcunningham@insurors.org Seminars

Insurors E&O Loss Control

Insurors also offers Loss Control seminars and webinars throughout the year that can qualify your agency for E&O premium credit.

Virtual Risk Consultant The Big “I” Advantage® Virtual Risk Consultant powered by Rough Notes (VRC) is an online sales and service resource designed to help your agency better serve your customers. Using this tool will lead to increased sales by improving your staff’s knowledge of a prospect’s operation enabling them to better identify and cover customer exposures. It will also assist agency staff with preparing proposals, explaining complicated insurance terms and most importantly documenting client files. It is truly a tool that will increase the professionalism of staff and help your agency grow while limiting your exposure to E&O claims.

Contact Stephen Holmes at sholmes@insurors.org for info

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MARKETS YOU NEED MARKETS. Insurors has the partners to provide them: Preferred Comp of Tennessee Preferred Comp of Tennessee (Preferred Comp), a division of Meadowbrook Insurance Group, Inc., is exclusively endorsed by the Insurors of Tennessee to provide a strong market and competitive options for workers’ compensation coverage and services to Insurors member agencies. Preferred Comp has been in existence since 1996 and is committed to producing profitable business to meet its obligations to agency and company partners and to insure the sustainability of long-term markets for Insurors members.

Now, the Preferred Comp partnership will offer Insurors members expanded access to the work comp marketplace. New for 2016, your Insurors membership will gain you access to SEVEN new work comp markets and TWO new BOP and multi-line markets.

All without contracts or production requirements. And as always, you have access to the carriers of Meadowbrook Insurance Group, including Star Insurance Company and Williamsburg National Insurance Company.

Contact Keller Chapman at keller.chapman@meadowbrook.com

B ig “ I ”

MARKETS

Big “I” Markets

Big “I” Markets provides free online access to specialty/niche coverages, program business and hard-to-find markets exclusively for Association members. The program uses proprietary technology to give agents access to coverages, forms and applications. Over 50 product categories are available, including Surety Bonds, Commercial Lessor’s Risk, Vacant Dwelling, Marine Insurance, Affluent Homeowners, Event Liability, Life Insurance, Cyber Liability, EPL, D&O, Habitational Programs and more!

Visit www.bigimarkets.com for more information RLI PUPs & Home Business Insurance Personal Umbrella Policies (PUPs) and Home Business Insurance are coverages sometimes overlooked by your clients that could provide extremely valuable protection. Written through RLI and administered by Insurors, the RLI PUP is a stand alone product that does not require the insured to place underlying coverages with RLI. Coverages are available with $1M, $2M, $3M and $5M limits.

The RLI Home Business Insurance policy responds to the needs of over 100 eligible business classes on an ISO BOP form. Premiums start at $150, with competitive commissions, easy underwriting and a self-rating application that make this product an easy sell.

Contact David Williams at dwilliams@insurors.org for more info

MARKETS Big “I” Flood Program

B ig “ I ”

FLOOD

The Big “I” Flood Program is available to all Insurors members and provides access to flood markets for most flood risks offering the National Flood Insurance Program (NFIP) for primary flood coverage and excess flood products for risks that have higher values or are ineligible for the NFIP. Selective Insurance, a NFIP Write-Your-Own company since 1984, has been the Big “I” Flood program partner for the primary NFIP for over 14 years.

Contact Tammy Goodman at tammy.goodman@selective.com Wells Fargo Special Risks, an experienced flood broker provides access to the Lloyds syndicates for excess flood products providing limits over the maximum available or ineligible for the NFIP. Contact Jeff St. John at jeff.stjohn@iiaba.net for more info

B ig “I”

EAGLE AGENCY

Big “I” Eagle Agency

Eagle Agency is general agency created exclusively for Big “I” members that provides access to top-rated carriers like Travelers, The Hartford, Progressive and MetLife Auto & Home with low volume commitments and no fees.

Contact eagleagency@iiaba.net for more information

PROGRAMS INSURORS AND THE BIG “I” HAVE PARTNERED WITH LEADING COMPANIES. Check out what programs your agency can utilize: INSBANK Banking and Finworth Mortgage INSBANK offers banking and loan services to agents and other small businesses throughout the state. INSBANK entity Finworth Mortgage adds residential mortgages to its available products.

INSBANK’s leadership and staff are comprised of experienced professionals who are committed to serving their customers.

Visit www.insbanktn.com for more information

.com

TrustedChoice.com

With detailed agency profiles, expanded consumer resources and comparative quoting, TrustedChoice.com is unlike any other insurance website – and more new prospects are discovering that difference every month. Prepare or improve your agency’s profile and get consumer leads today. Personal and Commercial Lines leads with over 50 carrier partners are now available.

Visit www.trustedchoice.com/for-agents for more information

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PROGRAMS Imperial PFS Premium Funding Imperial PFS (IPFS) is endorsed by the Insurors of Tennessee to provide members with a first class premium financing experience.

IPFS is the nation’s leading premium finance company, offering the following benefits to agency partners and borrowers: • • • • • • •

Flexible terms & down payments with no volume commitments Financing for most policies as low as $250 Opportunities to earn revenue, where permitted by law Efficient and knowledgeable service from a dedicated Sales Executive and local branch office Web quoting and online account management for you and your clients Flexibility of billing & payment options, including mail, online, payment in agency or at a local Western Union Take control over your premium finance business with one centralized source for all your needs Contact Dave Baker at daveb@ipfs.com for more information DocuSign

DocuSign is used to accelerate transaction times to increase speed to results, reduce costs, improve customer service and reduce E&O exposure. DocuSign will help members: • • • •

Increase speed to revenue Reduce costs Improve customer service Reduce E&O exposure

DocuSign also offers exclusive discounted pricing to members.

Visit www.docusign.com/iiaba for more information Non-Insurance Products & Services Membership in the association also provides you discounts on great products and services for your agency. For example, you can receive discounts and upgrades from Hertz for car rentals, shipping discounts with UPS, Office Depot purchase discounts, Brooks Brothers Corporate Program discounts, hotel discounts at several Nashville-area hotels, the Big “I” logo store and more!

The Big “I” also offers great retirement options and employee benefit services. There is a complete program to assist your agency in selecting and administering these products successfully. Plans include Safe Harbor 401(k), Regular 401(k), SIMPLE 401(k), Simple IRA, SEP, Profit Sharing Plans, as well as Money Purchase Plans.

Contact Christine Munoz at christine.munoz@iiaba.net for info Programs for agency enhancement are also available, including Caliper personality testing for recruitment, the Job Boards on insurors.org, the Agility Recovery Disaster program Ready Suite,

PROGRAMS and the Member Marketing Activity Center (MMAC).

Visit Member Resources section on www.iiaba.net for more info Work at Home Vintage Experts (WAHVE) WAHVE utilizes an innovative work-at-home model, contracting skilled vintage insurance professionals to help insurance firms have continued access to experienced insurance talent regardless of location and at a cost-savings.

Visit www.wahve.com for more information

GOVT. AFFAIRS INSURORS AND THE BIG “I” ARE CONTINUING THE WORK TO ENSURE A POSITIVE POLITICAL CLIMATE IS IN PLACE FOR THE INSURANCE INDUSTRY. Insurors on the state level, and IIABA on the national level, work each legislative session to educate legislators about the independent agency system and how proposed legislation will impact the business environment.

Lobbying Insurors has two lobbyists on staff and another under contract that continue our vigilance over laws and regulations that affect the insurance industry. Over the past several years, Insurors’ lobbyists have been able to help progress AND block several key pieces of legislation that could have had a tremendous impact on our industry. In addition to working with our legislators, Insurors closely monitors developments within the Department of Commerce and Insurance as well as the Department of Labor to keep abreast of proposed changes and their potential impact on our industry.

Contact Chuck Bidek at cbidek@insurors.org for more info InsurPACTN InsurPACTN is a registered political action committee focused on providing financial and informational support to candidates and members of the Tennessee General Assembly who believe in a competitive free enterprise system and are dedicated to the promotion and preservation of a competitive insurance climate.

Contact Chuck Bidek at cbidek@insurors.org for more info

InsurPac

InsurPac National

InsurPac National, the political action committee of the Big“I”(IIABA), complements our federal legislative program. It is the largest P&C PAC in the country with over $1M in funds raised in 2014.

Visit www.iiaba.net for more information

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EDUCATION AGENTS IN TENNESSEE NEED CONTINUING EDUCATION (CE) OPPORTUNITIES, AND INSURORS HAS THEM. Your Association is working hard to provide as many current and topical courses as possible. We offer more than 60 traditional classroom CE hours each year, in addition to offering access to online and special requirement courses. Our partnerships with the National Alliance for Insurance Education and Research, the Agents and Brokers Education Network (ABEN) and CEU.com will provide you with the options you need.

Certified Insurance Counselor The Certified Insurance Counselors (CIC) Program has been the insurance industry’s premier, proven source for practical, real-world education since 1969. More than 300 CIC institutes are conducted each year in major cities throughout the U.S. and Puerto Rico.

Designed to cover important aspects of the insurance field, each institute is 20 instruction hours, followed by an optional exam.

Visit www.insurors.org or www.scic.com for more info Certified Insurance Service Representative An inspiring professional faculty, five ONE-DAY courses, a curriculum that’s tailored to your region - all these features make the CISR Program a truly superior education opportunity. An optional exam is given at the end of each classroom course.

Visit www.insurors.org or www.scic.com for more info Certified Risk Manager The Certified Risk Managers (CRM) designation demonstrates that you are knowledgeable in all areas of managing risks, hazards and exposures.

Visit www.insurors.org or www.scic.com for more info ABEN ABEN was founded by Big “I” state associations of independent insurance agents, and is dedicated to bringing highly relevant, interactive and professionally produced continuing education programs to independent agents in the most convenient and economical ways possible via online webcasting.

Visit insurors.aben.tv for more information CEU.com Quality and convenient online education available anytime and at a 35% discount to Insurors members.

Visit insurors.ceu.com for more information

EDUCATION Young Agents Members under 40 and/or with less than 5 years experience are encouraged to get involved in our Young Agents program through meetings, education courses and volunteer programs. Young Agents are the future of our industry and your membership in Insurors gives you an opportunity to prepare them.

Contact Daniel Smith at dsmith@insurors.org for more info

INFORMATION INSURORS STRIVES TO KEEP ITS MEMBERS AS UP-TO-DATE AS POSSIBLE ON INDUSTRY NEWS AND GOVERNMENT AFFAIRS. That is why we take pride in producing our publications and continuing to bring in new ways to disseminate information.

bulletin YOUR ASSOCIATION NEWSLETTER

volume 11-21

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friday

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november 4, 2011

THE TENNESSEE

INSUROR

Marketplace Update Marketplace Update

2011 Vol. 10, October 28, 2011

Company Filings Made With the TN Department of Commerce & Insurance

Publications

2011have Vol. 10,approved Octoberor 28, 2011 The following filings been filed by the Tennessee Department of Commerce & Insurance Company Filings Made With the TN Department Companyof Commerce & Insurance Filing

Supreme Court Issues The following filings have been approved or filed by the Tennessee Department of Commerce & Insurance “Bruce’s Torch” Opinion Acadia Reducing WC LCM from 1.169to 1.12 effective 11-1-11.

Overall 4.0%

Insurors publishes three main periodicals for its members. The biweekly Insurors Bulletin, the monthly Tennessee Marketplace Update and the bi-monthly Tennessee Insuror are produced by Association staff for members only. Each contains relevant information on topics like Agency Management, Rate Filings, Company Ratings, Government Affairs, Legal Issues and Events. Our distribution list includes over 3,800 insurance professionals doing business in Tennessee. Each is available in both digital and print formats, and archives of the issues are stored in the members only section of our website.

WC Loss Cost Approved; Plan LCM to Increase On Monday, October 31st the Tennessee Department of Commerce and Insurance announced that the NCCI filing for a loss cost increase of 1.6% was being modified by the Department, and that a loss cost filing for both the voluntary and assigned risk plan of 0.4% would be approved. Department Commissioner Julie Mix McPeak also notified the Tennessee Workers’ Compensation Advisory Council (WCAC) that she intends to raise the assigned risk plan loss cost multiplier (LCM) from 1.55 to 1.67.

Both changes will be effective March 1, 2012 for new and renewal business. Neither of these changes will effect policies currently in force.

The Commissioner stated in her notice to the WCAC that her decision to raise the LCM was partially based on the fact that plan premium volume has fallen to the lowest level it has been since the year 2000. The following chart illustrates the drastic changes in premium volume since 1998.

Insurors of Tennessee Web: www.insurors.org Ph: 615.385.1898 or 800.264.1898 Fx: 615.385.9303 E-mail: info@insurors.org

TWCIP Plan Premiums

Year 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

Written Premium $23,188,304 $20,441,815 $34,755,823 $68,615,355 $115,845,825 $131,882,587 $137,460,236 $115,340,080 $89,923,835 $62,780,728 $42,257,079 $34,525,193 $32,899,463

She also estimated the cost of providing plan services and the level of multipliers in the voluntary market.

The revised loss cost reflecting the increase of 0.4% are not yet available. We will post them on our website and notify readers as soon as they are available.

In the lastCompany issue of The Tennessee Insuror, we published a story regarding contractor’s liability. The case was on appeal to Acadia the Tennessee Supreme Court. Last week, the Supreme Court issued its opinion regarding Acuity whether vicarious liability will be imposed on an employer for the negligence of an independent contractor.

In a traditional Acuitysituation, each party to a tort case is only responsible for his, her or its conduct. The main exception to this rule is the concept of vicarious liability, which recognizes Acuity that those who employ others to carry on their business are responsible for the negligent acts and omissions of such employees. In this way, the cost of negligence is passed to those who AIPSO profit from the activity being engaged in at the time of the negligent act. Employers then have financial incentive to carefully Family Home hire, trainAmerican and supervise employees.

Atlantic Specialty Traditionally, however, independent contractors are not considered employees, and Tennessee Courts have generally Auto Owners held that one who employs an independent contractor is not liable for the negliAuto Owners gence of that contractor.

In Federal Insurance Company v. WinAuto Owners ters, the insureds hired the defendant roofing contractor to replace the roof on Capitol their home, and theIndemnity defendant represented that he had liability insurance. Without Charter Oak the insureds’ knowledge, the defendant

CIC • RUBLE GRADUATE

continued on page 4

Companion P&C Companion P&C

Graduate to the next level in insurance education.

November 16-18 • Nashville http://www.insurors.org

© 2011 Insurors of Tennessee. All rights reserved. For Members Only.

Consumers

Continental Western

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increase.

Filing Acuity Implementing a new rating factor for the Bis-Pak BOP program. The Financial Scorecard Factor is based on the financial criteria and payment Reducing WC LCM from 1.169to 1.12 effective 11-1-11. Overall history4.0% of an account. New rating factor will produced an overall 1.7% increase. increase effective 2-22-12 for NB and 4-15-12 for RB. Implementing a new rating factor for the Bis-Pak BOP program.

The Acuity Implementing a new rating factor for GL. The Financial Scorecard Factor is Financial Scorecard Factor is based on the financial criteria and payment based on the financial criteria and payment history of an account. New rating history of an account. New rating factor will produced an overall factor 1.7% will produced an overall 0.3% increase effective 2-22-12 for NB and increase effective 2-22-12 for NB and 4-15-12 for RB. 4-15-12 for RB. Implementing a new rating factor for GL. The Financial Scorecard Factor aisnew rating factor for the commercial property program. The Acuity Implementing based on the financial criteria and payment history of an account.

NewScorecard rating Factor is based on the financial criteria and payment Financial factor will produced an overall 0.3% increase effective 2-22-12 for NB history of anand account. New rating factor will produced an overall 0.8% 4-15-12 for RB. decrease effective 2-22-12 for NB and 4-15-12 for RB. Implementing a new rating factor for the commercial property program.

AIPSO Filing revisedThe rates for commercial vehicles insured in the Tennessee Financial Scorecard Factor is based on the financial criteria and paymentInsurance Plan (Assigned Risk Plan). Overall 16.0% decrease Automobile history of an account. New rating factor will produced an overall 0.8% effective 4-1-12 for NB and 5-1-12 for RB. decrease effective 2-22-12 forFamily NB and 4-15-12 for RB. American Home Initial filing of rates, rules, and forms for the AquaPac boatowners/personal Filing revised rates for commercial vehicles insured in the Tennessee watercraft program. Effective 11-1-11.

Automobile Insurance Plan Specialty (Assigned Risk Plan). Overall 16.0% Atlantic Filing decrease rates, rules and forms for a Design Professionals E&O program. effective 4-1-12 for NB and 5-1-12 for RB. Effective 10-4-11.

Initial filing of rates, rules, and forms for the AquaPac boatowners/personal Auto Owners Filing revised rates and rules for dwelling fire that produces an overall 15.0% watercraft program. Effective 11-1-11. increase effective 11-18-11 for NB and 12-24-11 for RB. Filing rates, rules and forms for a Design Professionals E&ORevising program.rates and rules for the Garage Liability/Dealer’s Blanket program so Auto Owners Effective 10-4-11. that a 3.0% increase is produced effective 10-14-11 for NB and 12-13-11 Filing revised rates and rules for dwelling fire that produces for an overall RB. 15.0% increase effective 11-18-11 for NB and 12-24-11 for RB. Filing revised rates and rules for personal farmowners so that an overall Auto Owners Revising rates and rules for the Garage Liability/Dealer’s Blanket program so is produced effective 12-15-11 for NB and 1-20-12 for RB. increase of 22.0% that a 3.0% increaseCapitol is produced effective 10-14-11 for NB and 12-13-11 Indemnity Filing a firearms and weapons exclusion for use with GL. As ususal no rate for RB. credit is given. Effective 12-1-11 for NB and 2-1-12 for RB. Filing revised ratesCharter and rules for personal farmowners so thatRevising an overall Oak territorial modification factors for commercial farm and ranch increase of 22.0% is produced effective 12-15-11 for NB andprogram 1-20-12soforthat RB. an overall 9.0% increase is produced effective 1-1-12.

Companion P&C Initial filing of GL LCM of 1.60 off ISO 2010 loss cost. Will be used only Filing a firearms and weapons exclusion for use with GL. As ususal no rate credit is given. Effective 12-1-11 for NB and 2-1-12 for RB.for class 99793 Truckers effective 11-1-11.

P&C commercial auto LCMs off ISO 2005 loss cost. For class codes 4159, Revising territorialCompanion modification factors for commercial farmFiling and ranch 4189, 4259, 4289, 5851, 5881 the liability LCM will be 1.595 and 1.782 for program so that an overall 9.0% increase is produced effective 1-1-12. physical Initial filing of GL LCM of 1.60 off ISO 2010 loss cost. Will be useddamage. only For all other class codes the liability LCM will be 1.45 and 1.62 for physical damage. Overall 0.8% increase effective 12-1-11. for class 99793 Truckers effective 11-1-11.

Adding optional Filing commercial Consumers auto LCMs off ISO 2005 loss cost. For class codes 4159, Roadside Assistance for business auto and for Auto Dealer program adding 4189, 4259, 4289, 5851, 5881 the liability LCM will be 1.595 and 1.782 for an unlimited radius of operation factor. Effective 12-15-12.

Continental WCand LCM from 1.647 to 1.578 effective 11-1-11. Overall 2.9% physical damage. For all other Western class codes the liability LCMReducing will be 1.45 increase.

1.62 for physical damage. Overall 0.8% increase effective 12-1-11.

Adding optional Roadside Assistance for business auto and for Auto Dealer program adding an unlimited radius of operation factor. Effective 12-15-12.

1 of 4 Reducing WC LCM from 1.647 effective 11-1-11.

2.9% Copyright 2011 byto the1.578 Independent Insurance Agents Overall of Tennessee, Inc. For Members Only. increase.

Copyright 2011 by the Independent Insurance Agents of Tennessee, Inc. For Members Only.

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Contact Daniel Smith at dsmith@insurors.org for more info Website The Insurors website contains a plethora of information, articles, files and other resources. From workers’ comp data, loss-cost multipliers, monthly company listings, agency management resources, product information, CE schedules, job listings registration and so much more. If you have never researched what is available on the site, take a few minutes and check it out.

Visit www.insurors.org for more information Filings, Research & Data Need to see a company filing, rate or form? Having trouble placing a coverage? Can’t find information or an interpretation on a new law? Want to locate workers’ compensation proof-of-coverage data? Our research staff may be able to answer your questions or point you in the right direction.

Contact David Williams at dwilliams@insurors.org for more info

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TRUSTED CHOICE THE POWER OF THE INDEPENDENT AGENCY SYSTEM, COMBINED INTO ONE FOCUS. Over 60 companies, and more than 20,000 independent insurance agencies across the country are now part of the Trusted Choice® Brand.

The Trusted Choice® Brand Branding is the relationship between a consumer and a product, service or company. Research conducted by the Big “I” found that consumers had trouble identifying independent agents and understanding their role in the distribution channel. Using Trusted Choice®, you can brand your agency in the minds of your current and future customers as the smart choice for insurance services.

National media advertising, customizable media for your agency and branding support is available at no additional cost as an Insurors member. You can also earn up to $500 in reimbursements from Trusted Choice for marketing tools, business cards, brochures, websites, signage and more.

Visit www.trustedchoice.com/agents for more information The “Freedom Campaign” Trusted Choice® is increasing its consumer-tested “Freedom Campaign” for 2016. This exciting campaign announces to your potential customers that you are “Free to do what’s right” for your potential customer because you aren’t tied down to any one company and can offer your clients options. As a Trusted Choice independent agent in Tennessee, you can join together with tensof-thousands of other Trusted Choice independent agents from across the country and let the public know that we are not tied down – we are free. The more of us that plug into the power of this campaign – the LOUDER OUR VOICE! Join the groundswell. The “Freedom Campaign” offers you an array of tools to spread the word and increase your visibility with consumers in your local market.

Here are some of the benefits included with your membership at no additional charge to you, and are all completely customizable for your agency: • • • • •

Print Ads Radio Ads Direct Mail National and State Advertising Banner Ads

These ads are designed to be BOLD. The themes capture the consumers’ attention and show them just exactly what onecompany agents are – CAPTIVE! Consumer testing revealed that 86% “Liked” the ads, and 84% agreed that “after seeing the ads, independent agents are better suited to fulfill their insurance needs.”

The Trusted Choice Marketing Reimbursement Program will provide up to $1,600 in 2016 for using these advertisements.

Contact Kevin Brandt at kevin.brandt@iiaba.net for more info

MARKETING INSURORS KNOWS YOU DON’T HAVE A MILLION DOLLAR MARKETING BUDGET. That’s why we have worked to create some affordable alternatives for our member agents.

Titans Radio The Titans Radio Network program allows Insurors members exclusive access to Mike Keith, Titans play-by-play announcer, to produce professional, top quality radio advertisements. Personal appearances are available subject to schedule and availability.

Mike will produce four 30 to 60 second ads using either copy you supply or copy he will work with you to create. These radio spots can then be used for 2 years on any station(s) and times that you purchase separately. Cost for production of the ads is only $250.

Contact Chuck Bidek at cbidek@insurors.org for more info

EVENTS NETWORKING, EXCHANGING IDEAS AND MAKING NEW CONNECTIONS. Insurance is a relationship business, and Insurors hosts events to make and strengthen those relationships.

OCTOBER 29 NOVEMBER 1

Annual Convention

123rd ANNUAL CONVENTION

NASHVILLE

The Insurors 122nd Annual Convention will be held October 29November 1, 2016 at the Omni Hotel in downtown Nashville. The event will offer one of the largest industry trade shows in the country, special guest speakers, seminars & breakout sessions, a golf tournament, awards ceremonies, receptions along with great special guest entertainment and Titans football. Don’t miss out on this great opportunity to network with your peers and company partners.

Visit the convention section of www.insurors.org for more info Agency Growth Conference Our annual Agency Growth Conference takes place each Spring at the Embassy Suites in Murfreesboro. This event is focused on learning and networking opportunities that will increase your agency’s business, streamline your workflow and help you plan for the future. Breakout seminars and a trade show will focus on small agencies, rural agencies, growing agencies and young agents.

Visit www.insurors.org for more information Local Boards Insurors is affiliated with local boards in Chattanooga, Knoxville, Memphis, Nashville, Tri-Cities and Northwest Tennessee that hold events, golf tournaments and meetings throughout the year.

Contact Daniel Smith at dsmith@insurors.org for more info

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INDEX ABEN 10 Agents & Brokers Ed. Net. 10 Advertising 12-13 Agility Recovery Services 8 Annual Convention 13 Audits 5 Banking Services 7 Big “I” Eagle Agency 7 Big “I” Flood 7 Big “I” Markets 6 Branding 12 Brooks Brothers 8 Bulletin 11 Caliper 8 CAP 7 CE 10 CE Schedules 10 Certified Ins. Counselor 10 Certified Ins. Service Rep. 10 Certified Risk Manager 10 CEU.com 10 CIC 10 CISR 10 CISR Online 10 CRM 10 Commercial Umbrella 5 Company Listings 11 Convention 13 Data 11 Department of Insurance 9 Design 13 Digital Marketing 7-8 Discounts 6 DocuSign 8 Education 10 Electronic Signature 8 Errors & Omissions 4 E&O 4 E&O Audits 5 Excess & Surplus Lines 6 Events 13 Exhibits 13 Filings 11 Financial Planning 7 Financing 8 Finworth Mortgage 7 Fireman’s Fund 4 Flood 7 Golf 13 Government Affairs 9 Growth Conference 13 Heartland Ovation Payroll 9 Home Business insurance 6 Homeowners 8 Hotel Discounts 8 IIABA 9 Imperial PFS 8 INSBANK 7 Insurance Agent Umbrella 5 Insurance Agent E&O 5 Insurance Agent PUP 5 Insuror magazine 11 InsurPac 9

InsurPACTN 9 Job postings 8 Legislature 9 Liability coverage 4-5 Local Boards 13 Lobbying 9 Loss Control Seminars 5 Loss Cost Multipliers 11 Marketplace Update 11 MMAC 9 Marketing 13 Meadowbrook 6 Media 12 MetLife 7 Meetings 13 Mike Keith 13 Mortgages 7 Networking 13 Niche Coverages 6 Office Depot discounts 8 Online courses 10 Ovation Payroll 9 PAC 9 Payroll Services 9 Personal Umbrella 6 Pledge of Performance 12 PUP 6 Preferred Comp 6 Premium Finance 8 Professional Liability 4-5 Progressive 7 Project CAP 7 Promotional products 13 Publications 11 Radio 13 Rate filings 11 Reimbursements 13 Rental car discounts 8 Research 11 Retirement Benefits 8 Risk Assessment 5 Risk Management Online 5 RLI 6 Selective 7 Shipping 6 Staffing 7 Swiss Re 4 The Tennessee Insuror 11 Titans Radio 13 Travelers 7 Trusted Choice 12 Umbrella 8 UPS 6 Virtual Risk Consultant 5 WAHVE 7 Webcasts 10 Webinars 10 Website 11 Wells Fargo 7 Westport 4 Workers’ Comp 6 Work Comp Data 11 Young Agents 10

2500 21st AVENUE SOUTH, SUITE 200 NASHVILLE, TN 37212 615.385.1898 1.800.264.1898 WWW.INSURORS.ORG twitter @INSURORS Facebook /INSURORS LinkedIn INSURORS OF TENNESSEE INFO@INSURORS.ORG