THE TENNESSEE INSUROR
Phone 615.385.1898
Toll Free: 1.800.264.1898
Email: marketing@insurors.org
Editor: Ron Travis
Publisher: MarketWise, Inc
INSURORS OFFICERS
President ..............................Kym Clevenger, CPCU, CIC, CAWC
IIABA National Director ........................John McInturff III, ARM
VP Region I, President-elect ......................................Bobby Sain
VP Region II .........................................Battle Bagley, III, CIC, CPA
VP Region III ................................................................Kevin Ownby
Treasurer ......................................................Richard Whitley, CIC
Secretary ................................................................Jamie Williams
Director, Region I ............................................Andrew Maddox
Director, Region I ............................................Pam Lofton-Wells
Director, Region I ........................................................... Cy Young
Director, Region II ................................. Matt Felgendreher, CIC
Director, Region II ......................................................... Chip Piper
Director, Region II .....................................Cameron Winterburn
Director, Region III ...................................................Josh Gibbons
Director, Region III .................................................... Tim Goss, CIC
Director, Region III .................................................. Stuart Oakes
Director, Young Agents ............Samantha Organek, CIC, CISR
Immediate Past President ................. Matt Swallows, CIC, CRM
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
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
Introducing Bobby Sain
Each year about this time the Insurors of Tennessee has the privilege of introducing the new President of this historic association to the membership via the Tennessee Insuror magazine. Indeed, for over 130 years the association has benefited from member-driven leadership provided by Presidents who have come from large agencies, small agencies, agencies in Tennessee’s major cities and from small towns each year. Throughout, our history Insurors of Tennessee Presidents have reflected the diverse composition of our membership from across the state of Tennessee. Our Presidents working in concert with our Board, members, partners, and staff are at the very core of our ongoing success.
Get to Know Bobby Sain
This year we are pleased to introduce Bobby Sain to you as the incoming 2025 President of the association. Most recently, Bobby served on the Insurors of Tennessee board as Vice-President from Region 1 and has served in other positions with the Board for several years. As a result, he brings a wealth of knowledge and experience about the business and mission of the association from his time serving on the board. Bobby is the principal and President of Bolivar Insurance and Real Estate located in Bolivar, Tennessee.
Bobby is a native of Bolivar, Tennessee, where members of his family have lived and worked for generations. In fact, the agency was founded by Bobby’s father Jack Sain in 1959. Bolivar Insurance and Real Estate has been serving the insurance and real estate needs of the town of Bolivar, Hardeman County, and the region ever since. The agency focuses on writing Business, Auto, Home, Health, and Life insurance for clients through leading insurance carriers. Bobby and his team place a strong emphasis on establishing a consultative relationship with clients to ensure they understand their own unique insurance and risk management exposure and the solutions available to them. For Bobby and his staff, insurance is not simply a commodity product to be sold at the least possible cost to just sell a policy. Like many of his peers at the Insurors of Tennessee, it is about providing the right insurance protection at a competitive price to clients.
On the real estate side of the business, the agency provides commercial and residential real estate services to include auctions to Bolivar and the greater Hardeman County community. Bobby is a real estate broker, auctioneer, and certified general real estate appraiser. He has real estate experience and expertise on farms, commercial properties, residential homes, rental properties and resort homes.
Bolivar Insurance and Real Estate commitment to clients is evident in the numerous positive reviews and testimonials they have received over the years. Clients often praise the organization’s professionalism, responsiveness, and dedication to achieving the best outcomes for their clients on both the
insurance and real estate sides of the house.
Bobby points to his staff for much of the organization’s success through the years. Bobby’s brother Jackie Sain is a successful licensed agent, as well as a real estate broker and investor with the firm. Jackie is also active in the community and serves on the Hardeman County Commission. Long-time team member Sheila Siler is the Vice-President of the agency and serves as a substantial knowledge resource for the agency. Bobby’s daughter Shelby Sain Bailey serves as a CSR/Agent with the firm. Caitlin Plunk serves as
a CSR/Agent and Social Media Coordinator for the agency while Diane Barber is a customer focused CSR serving the insurance needs of clients for the firm.
Bobby’s daughter Shelby (pictured above with Bobby) was a Division I golfer at Ole Miss and then finished her collegiate eligibility at the University of Memphis. She earned a bachelor’s degree in psychology and a master’s degree in counseling while at the University oof Memphis. After graduation she worked as a counselor at a local school in the Bolivar area. In 2020, she joined the agency and started her quest to learn the family business. Shelby participated in two rigorous insurance company insurance education programs that have helped enhance her knowledge about insurance and risk management. Her prior education just happened to fit right in with the consultative approach to doing business employed by the agency. After all, counseling is about listening, understanding, guiding and advising representing key elements of being an effective insurance professional. Her growing insurance knowledge and counseling education provides her with a strong foundation for future success in the agency. Shelby is married to her husband Walter Thomas Bailey who
2025 Insurors of Tennessee President
is a Finance Director for Tipton County Tennessee. Together they have two children including Eli aged three and Ben aged one. While Shelby still enjoys playing golf from time to time, she is typically busy caring for two energetic young boys.
Booby is married to DaJuan Sain. They have three children including Blake, who is an attorney in Jackson, TN, Chase, who is the Head Baseball Coach at Trevecca Nazerene University in Nashville, TN, and Shelby Sain Bailey, who is a member of the team at Bolivar Insurance & Real Estate.
In addition to his insurance and realestate achievements, Bobby Sain has played a significant role in the Bolivar community for many years. He served as the mayor of Bolivar from 2005-2009, demonstrating his dedication to public service and community development. His involvement in local governance has helped shape the town’s growth and development, ensuring that Bolivar remains a
vibrant and welcoming place for residents, businesses, and visitors alike. During his time as mayor, he worked with the governor’s office at the time to secure a significant community grant that provided financial resources to improve and enhance the downtown Bolivar area.
The model for the community grant was so innovative it was extended to other communities across the state as well over the years. Through his initiative, planning, and work with the city commission, the city was able to renovate the streetscape and facades of several historic buildings on main street, build new sidewalks, construct a new farmer’s market and build a new amphitheater for music events. In sum, the new investment in downtown Bolivar breathed new life into the town where residents and visitors continue to enjoy all the community has to offer today.
The image below is an architectural rendering from the initial Bolivar Downtown Master Plan. This plan was the genesis for the transformation of the city.
As a lover of music, Bobby and his band Small Shack occationionally play at the amphitheater at Music on the Square events on a Friday night. Bobby was involved in band during high school and carried forward his interest in music during college and throughout his adult life. He plays the saxophone and other instruments. At a recent Insurors of Tennessee Insurefest convention, he played at Valentine’s on Broadway in downtown Nashville to entertain members.
In summary, Bobby Sain is a dedicated insurance and real estate professional in Bolivar, Tennessee, whose career is marked by dedication, expertise, and community involvement. His contributions to the local real estate market, public service, and community initiatives have made him a respected and influential figure in Bolivar. Bobby’s commitment to his clients and his community continues to make a positive impact, ensuring that Bolivar remains a great place to live and work.
Get to Know Bolivar, Tennessee
Nestled in the heart of Hardeman County, Bolivar, Tennessee, is a small town with a rich history and a vibrant community spirit. Founded in 1825, Bolivar was named after the South American revolutionary leader Simón Bolívar. The town has grown and evolved over the years, but it has always maintained its unique charm and historical significance.
Bolivar is home to several historic sites that reflect its deeprooted history. One of the most notable is the Hardeman County Courthouse, a stunning example of Greek Revival architecture built in 1868. This courthouse is not just a place of legal proceedings but a symbol of the town’s resilience and
dedication to preserving its heritage. The town also is home to the Pillars, a historic mansion that served as a hospital during the Civil War. This mansion is a testament to the town’s involvement in significant national events and its role in American history.
The cultural fabric of Bolivar is woven with traditions and community events that bring residents together. The annual Bolivar Music on the Square is a beloved event where locals gather to enjoy live music, food, and fellowship. This event highlights the town’s commitment to fostering a sense of community and celebrating local talent. Additionally, the Bolivar Farmers Market is a popular spot where residents can purchase fresh produce, homemade goods, and crafts, supporting local farmers and artisans.
Bolivar is surrounded by natural beauty, offering numerous outdoor activities for nature enthusiasts. The Hatchie River, which flows near the town, is a haven for fishing, kayaking, and bird watching. The Hatchie National Wildlife Refuge, located nearby, provides a sanctuary for various wildlife species and is a perfect spot for hiking and nature photography. These natural attractions not only enhance the quality of life for residents but also attract visitors who appreciate the tranquility and beauty of the area.
While Bolivar retains its small-town charm, it is also focused on economic development and growth. The town has seen an increase in small businesses and entrepreneurial ventures, contributing to the local economy. Efforts to attract new businesses and industries are ongoing, with the aim of providing more job opportunities for residents and boosting the town’s economic stability.
Bolivar, Tennessee, is more than just a dot on the map; it is a community with a rich history, a vibrant culture, and a promising future. From its historic landmarks and cultural events and its natural beauty, Bolivar embodies the spirit of a closeknit community that values its past while looking forward to the future. Bolivar is one of many of Tennessee’s small towns that form the heart and soul of this state.
We look forward to Bobby Sain’s leadership as President of the Insurors of Tennessee in 2025. He brings a fresh perspective, prior board experience, and deep knowledge about the insurance industry. u
Insurefest 2024 In Review
Insurefest 2024, held in Nashville at the J.W. Marriott Hotel & Conference Center, was a great success by all accounts. The annual tradeshow gave members a prime opportunity to meet with company representatives, vendors and others who are vital to the success of agencies and our industry in Tennessee.
Throughout the conference our guest speakers and education sessions provided members with valuable information that can be leverage to improve their agencies from both a strategic and tactical standpoint. We also had the opportunity to enjoy each other’s company and catch up on the latest news personally and professionally. During the business session of the meeting we elected and ratified our incoming President and Board of Directors for 2025. Thank you to all who attended and participated in this year’s conference.
We provide the following photo essay for you to enjoy and remember the conference.
We look forward to seeing you at INSUREFEST 2025 in Memphis at the East Memphis Hilton on October 11-14, 2025. Please mark your calendars now!
Workers’ Compensation
We distinguish our Workers’ Compensation coverage by providing value-added services before, during, and after a claim.
Upfront loss control measures
Responsive claims handling
Facilitation of quality medical care (when an accident does occur)
We’ve been successfully protecting our policyholders and their employees since 1983.
Congratulations 2024 Agent Award Recipients
These awards were announced and presented at the 2024 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
John McInturff, III
McInturff, Milligan & Brooks Greeneville
Jim Alexander Committee Member of the Year
Richard Whitley McDaniel-Whitley, Inc
Memphis
Presidential Citation
Tammy Spearnock
Regional Sales Manager
West Bend Insurance Company
Inaugural WINS Award
Nikki Reeder
Boyle Insurance Agency
Memphis
Arch Northington Young Agent Award
Samantha Howard
Griffin Insurance Agency
Kinston
Charles T. Bidek Political Action Award
SouthPoint Risk
Nashville
*not pictured Presidential Citation awarded to Philip Breeding of Grange Insurance
4 Ways a Bank Loan Can Fuel Agency Growth in 2025
In the highly competitive and evolving insurance landscape, independent agency owners face a unique set of challenges and myriad capital needs to sustain their growth. As we head into 2025, there is a greater sense of urgency for agencies to invest in technology and talent and make strategic mergers & acquisitions (M&A).
To navigate these challenges effectively, agency owners must consider innovative financing solutions. Bank lending can serve as a powerful tool for various purposes. From perpetuating the agency through strategic acquisitions to investing in cutting-edge technology and talent, bank financing can provide the necessary support for sustainable growth.
To embark on this journey, agency owners should begin by establishing a relationship with a bank that understands the unique needs of the independent agency channel. Because the agency's largest asset is an intangible one, local banks often lack the expertise to develop a lending approach that aligns with the way independent agencies operate and are valued.
Agencies should also understand the current and forecasted economic trends that may impact their loan. In the fourth quarter of 2024, hard market conditions appear to be stabilizing in most lines of business. Interest rates, which were propelled by high inflation and the resulting Federal Reserve increases in the discount rate, appear to have leveled off and are trending downward.
Another important dynamic is the slated sunset of the Tax Cut and Jobs Act of 2017 (TCJA) on Dec. 31, 2025, unless Congress renews it. The impending end of the TCJA could spur more M&A activity. Agency owners may prefer to sell in the coming year with the certainty of the current tax rules versus the unknown future income and capital gains taxes for 2026 and beyond.
This intersection of lower interest rates and the possible sunset of the TCJA means that agencies that want to benefit from short-term opportunities should get their finances in order. Due to the time involved in loan financing preparation, agents should not delay until the second half of 2025 to have those arrangements ready.
Harnessing Loans for Growth
Here are four areas in which bank lending can be a powerful financial tool for independent insurance agencies:
1) Agency perpetuation and expansion. One of the primary concerns for independent insurance agency owners is the perpetuation of their business. The average age of principals with 20% or more ownership is 55 years old, with 22% of those 66 or older, according to the 2024 Agency Universe Study. As seasoned owners consider their eventual transition into retirement, the question of how to ensure the agency's longevity becomes critical.
To develop a succession plan and retain key staff, bank financing can play an essential role. With adequate financing, the owners can avoid taking back a sizable note to finance the partial or total sale of the agency. A stock purchase loan can be used to finance a partial sale to existing key staff. The process also assists the agency owners in diversifying their balance sheet in a tax-efficient manner.
Agency owners can also use bank loans to fund acquisitions that expand their market presence and client base. Lower costs of capital can ease the financial burden associated with these transactions, making it easier to grow through strategic purchases. For example, when agencies combine, they often gain access to better commission rates and profit-sharing opportunities, enhancing overall revenue potential. This can be particularly appealing for agencies looking to grow without sacrificing their core values and culture.
2) Technology investment. In today's digital age, technology is no longer a luxury. It's a necessity for growth and efficiency. Many successful agencies have begun integrating advanced technologies, particularly artificial intelligence (AI), into their operations. These tools can streamline processes, enhance customer service and provide valuable data insights, leading to increased revenue.
Consider an agency that has identified a need for a new customer relationship management (CRM) system or that wants to implement AI-driven chatbots for customer interactions. With bank financing, they can acquire these tools, pay them off over time, and immediately start reaping the benefits in terms of improved service and increased productivity— which, in turn, drive agency value.
3) Talent retention and acquisition. An agency's success is heavily reliant on its people. Attracting and retaining top talent is essential for maintaining a competitive edge. Hiring skilled professionals often requires significant financial resources.
Securing a loan or line of credit can provide the necessary funds to invest in recruitment efforts, competitive salaries and ongoing training for staff. When agency owners view bank lending as an opportunity to strengthen their team, they position themselves for long-term success. By building a skilled workforce, agencies can better serve their clients, adapt to market changes and drive innovation.
4) Commercial real estate opportunities. As agencies grow, the need for adequate office space becomes paramount. Many agency owners may consider renting office space. However, purchasing commercial real estate can be a strategic investment. Owning an office not only provides a stable location for operations but the building can also serve as an asset that appreciates over time.
Bank lending plays a crucial role in enabling agency owners to acquire commercial properties. With favorable financing options available, agency owners can purchase or renovate office space tailored to their specific needs. Owning commercial real estate can lead to tax advantages, increased equity and the potential for generating rental income if the space is shared with other tenants.
With 2025 on the horizon, it may be time for agencies to take another look at their financing options. Bank lending may be an important part of the agency's growth strategy for the next few years.
Author Scott Freiday is senior vice president and division director of InsurBanc, a division of Connecticut Community Bank, N.A. Started in 2001 as a vision of the Big “I," InsurBanc finances acquisitions and perpetuations, including ESOPs. InsurBanc also helps agencies become more efficient by providing cash-management solutions. u
Tennessee Boasts Record-Breaking Number of Licensed Insurance Professionals
BY Joshua Recamara, Insurance News
Tennessee has more than 301,947 active licensed insurance producers, an increase of more than 25% during a nearly five-year span since the fiscal year 2020 to 2021, according to the Tennessee Department of Commerce & Insurance, or TDCI.
Of this figure, 51,986 were resident insurance producer’s licenses, while 249,961 were non-resident licensees.
TDCI officials attribute the growth of licensees partly to Tennessee’s population boom, as well as the availability of insurance producer exams.
Tennessee’s population is expected to reach more than 8 million residents by 2041, according to a recent study, up from a little more than 7 million in 2022.
TDCI is also working closely with its testing partner Pearson VUE to provide remote testing opportunities for state residents since 2021.
“Our partners at Pearson VUE, who conduct the remote exams, have played a crucial role in helping us reach prospective insurance producers who no longer need to spend time and money to travel to an in-person exam,” TDCI Assistant Commissioner for Insurance Bill Huddleston said.
Tennessee is ranked 17th in insurance premium volume in the US, with $75 billion in premium volume written in the state by all insurance companies doing business therein, according to the National Association of Insurance Commissioners.
In 2023, insurance companies that are domiciled or headquartered in Tennessee wrote $26 billion in premium volume. u
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From Your President
Kym Clevenger presented by
The Year Has Moved By Quickly
It is difficult to believe that my tenure as President of this association is drawing to a close. The year has moved by quickly. As I started my position in January, I looked forward to working with the Board, our members, company partners, and our staff to advance our association that has been serving our industry in Tennessee for over 130 years. Going all the way back to the first Insurors President, Thomas Hart of Nashville in 1899, this has been the mission of each President.
Each of us bears responsibility for the successful perpetuation of our association. As I started my term, I had several key goals to include the enhancement of our professional insurance education offering to members, to implement the restructuring of the Young Agents to enable them to be more effective as a group, to provide robust support to the Women In Insurance to grow their ranks, and other priorities that would evolve throughout the year. I am pleased to report that we made real progress on those initiatives and in addressing challenges and opportunities as they presented in 2024.
Early in the year, we started more in-person insurance education classes hosted in Nashville to enhance real time interaction between the instructor and the student which is so vital to achieve the best results. To amplify the reach of the inperson courses, we leveraged our newly acquired live streaming technology to make these classes available to members unable to attend in person. Utilizing the new technology, remote attendees could interact with the instructor in each session. We also offered members a miniMBA education curriculum focused on insurance and risk management subjects. Insurance education drives success in our agencies and partner companies. I hope you took advantage of the many resources available to you in 2024. If not, I encourage you to create your education and development plans for your staff in 2025.
This year we fully implemented the new Young Agents structure that gives the group more autonomy and opportunities to learn more about our industry, how boards work, and how our association operates at the state and national level. It also provides the Young Agents with the ability to be more impactful as a group to pursue various objectives. The new structure has provided the leadership of the Young Agents and their members with the ability to grow as future leaders in our industry. At the Big “I” Fall Conference this year, the Young Agents of Tennessee won an award from the national association recognizing their efforts. This speaks directly to their accomplishments and progress in 2024.
In 2024, the Women in Insurance (WINS) organization was active throughout the year hosting specific events across the state in support of the many women insurance professionals that are so critical to our success in agencies, companies, and our industry in Tennessee and across the nation. WINS was also active and present at our statewide events including Insurefest held in Nashville this Fall. I look forward to their further growth and development in the years ahead. I want to thank the leadership of WINS in Tennessee and everyone who participated across the state for their efforts.
As President, part of my responsibility working with the board, is the successful perpetuation of leadership. In advance of CEO Ron Travis retiring at the end of this year, we began work on the search process to find a new CEO or Executive Director. After a comprehensive search, we made an offer to Kristen Gulson who brings association experience and leadership ability to the position. Kristen accepted the offer a few months ago. As planned, Ron and Kristen have worked together with purpose to ensure a smooth transition in leadership prior to Ron’s retirement as the year concludes.
We are grateful for the leadership contributions, wisdom, expertise, and experience Ron Travis brought to the Insurors of Tennessee over the past three years. Along with the board and the staff, he helped breathe new life into the association coming out of the pandemic. Through his guidance and leadership, the association emerged stronger and more resilient and is clearly focused on the future. On behalf of the association, I want to thank Ron for all he has done for the Insurors of Tennessee and our industry. We wish you the best in the years ahead as you spend more time with your family and as you serve your constituents as their representative in the Tennessee General Assembly. Well done, Ron!
In closing, I want to thank the Insurors of Tennessee for the opportunity to serve this year as your President and in prior years on the Board. It has truly been an honor and a privilege. We should all be proud of this historic association and all it accomplishes for independent insurance agencies, partner companies, and for the consumers of Tennessee. We are blessed with a healthy and competitive insurance market in Tennessee that delivers competitive insurance products and services across the state.
As I hand the leadership baton to Bobby Sain of Bolivar Insurance and Real Estate, I know Bobby will do an exceptional job as President in 2025 on the strength of his prior experience on the board, his experience as a successful insurance agency principal, and as a former mayor of Bolivar. He brings a unique set of skills and capabilities to the position that will serve this association well. I wish Bobby, the Board, and the staff great success going forward. u
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From Your CEO
Ron Travis presented by
The Only Real Constant Is Change
If there is one thing I have learned through the years in life, in business, and in government, it is that time waits for no one, and the only real constant is change. So, with that thought, this is my last article as the CEO of the Insurors of Tennessee as I retire at the end of 2024 and officially hand over the responsibilities of CEO to Kristen Gulson who will serve as your new Executive Director.
The moment is bittersweet, since I have greatly enjoyed working with the Board and staff of the association in service of our members and partners for the past three years. The opportunity to get to know the exceptional people who make up this association in Tennessee and at the national level has been one of the honors of my lifetime. Together we have accomplished much by first coming out of a historic pandemic and all that involved from an organizational perspective. We persevered, adapted, innovated, and moved forward to provide members with the services and support needed to support success in a rapidly changing industry during my tenure as your CEO.
Since taking the position as CEO, we have grown the number of members and partners who are active in the association, stepped up our advocacy efforts
at the state and national level, improved the organization developmentally by building a more robust Young Agents program and supporting a growing Women In Insurance (WINS) group at the state level. Additionally, we have emphasized insurance education and professional development to help independent agencies successfully compete in an ever more competitive environment.
I am proud of this association and all we have accomplished together. I know the Insurors of Tennessee is positioned for future growth and greater success going forward.
Having worked alongside Kristen Gulson during the transition process these past few months, I can tell you that the association will be in very capable hands going forward. Kristen brings a wealth of knowledge about how associations work and what success looks like based on her prior experience as an association executive in South Dakota. She also has substantial leadership experience developed during her years in management with a major airline which will serve members well in an ever-evolving industry. She brings a fresh new perspective to the association and as she works in concert with the Insurors of Tennessee Board of Directors will build upon the
success of this member focused association in the years ahead.
The Insurors of Tennessee has been a critical part of the success of our business in this state for the past 131 years. As the winds of change continue to blow across our industry now and in the coming years, this association will be even more vital to the ongoing success of your agency, insurance company, industry vendor or other service provider. Your engagement and support for the association will yield tremendous dividends now and into the future.
If you know of an agency or company, who is not currently a member or associate member, I encourage you to reach out to them and put them in touch with the Insurors of Tennessee staff to explore becoming a member or partner. There is real strength in numbers from an operational, strategic, and advocacy perspective.
As I mentioned earlier, my retirement from the association is bittersweet. Nevertheless, I will continue to serve as a member of the Tennessee General Assembly representing District 31. So, I hope I will have the opportunity to see many of you from time to time on Capitol Hill in Nashville.
Most importantly, I will now have more time to spend with my wonderful wife, amazing adult children, and my precious grandchildren. We will have more time to spend on the boat as a family and have more opportunities to travel and enjoy exploring our great nation and the world. u
Tennessee Young Agents '24 Young Agent Spotlight
presented by
Ashley McFall • Westan Insurance, Union City
In the final edition of the Tennessee Insuror for 2024, we are pleased to introduce you to Ashley McFall who is employed by Westan Insurance Group headquartered in Union City, Tennessee with locations across West Tennessee including Union City, Martin, Dresden, Paris, McKenzie, Kenton and Bradford. The group also has a location in Knoxville serving East Tennessee. Beyond the borders of Tennessee, the agency’s market reach extends to the states of Alabama, Arkansas, Illinois, Kentucky, Missouri and beyond.
Ashley is a Producer and Manager in the Employee Benefits division of the firm and is now in her eighth year of employment with the agency. The division also sells individual life & health products across the organizational footprint of Westan. She began her career working out of the Union City office and now works from her base in Henderson, Tennessee. She is an accomplished young woman who exemplifies the significant talent working in many insurance organizations across the state.
Ashley graduated from Ravenwood High School located in Brentwood, Tennessee in 2010 and then attended the University of Tennessee – Martin where she earned a Bachelor of Science degree in Finance in 2014 and an M.B.A in 2015. She also studied for and passed Series 7 and Series 66 licensing tests and started work with an investment firm. She then embarked on her insurance career with Westan Insurance Group. After a short time introducing her to the world of insurance and employee benefits, Ashley was on her way.
Today, Ashley enjoys collaborating with the top executives and human resource professionals of prospective clients and existing clients to help them navigate the constantly changing landscape of employee benefits to provide them with solutions that serve the needs of their workforce while contemplating the realities of their budgets. Ashley states, “We retain a high percentage of our employee benefits accounts over
the years based on our consultative approach to serving our clients.” This is a testament to the quality of service and the competitive products she and her colleagues at Westan can deliver to clients on a consistent basis.
When asked about the greatest challenges in today’s employee benefits market, Ashley describes the continued escalating costs of employee benefits and changes from year to year driven in large part by regulatory changes and different policies that originate from the federal government with each election cycle. Normal competitive pressures in the marketplace present further challenges as well. Nevertheless, Ashley leverages her education, experience, and expertise to overcome the complex external environment to work with clients to arrive at the best possible plan for each employer. Critical thinking and problem-solving skills are an important part of this process and vital to the success of each client’s program.
YA
The Young Agent Spotlight stories are developed to bring attention to the tremendous amount of young talent employed in our industry at insurance agencies, insurance companies, and the various vendors who support our business in Tennessee.
If you are an Insuror of Tennessee member or partner, please feel free to send us the name of your candidate, why you think this person should be featured, and contact information of the individual you believe is worthy of a feature article in the magazine. Submissions can be sent to Jake Smith at jsmith@insurors.org.
One key point Ashley raises is that to stay on top of all the changes in the marketplace and to stay in compliance with regulatory requirements, one must become a “forever student” to be able to meet the moment for clients. Much like property & casualty insurance, knowledge is the fuel that powers success for employee benefit professionals and the agencies they serve.
Ashley says she works with many small businesses and larger corporations throughout the region helping them solve their employee benefit challenges. She and her team work hard to create competitive benefit packages that help clients keep and attract the best talent in what can be a tight labor market depending on location and business segment.
Ashley and her husband Will were married in 2022 and moved to Henderson, Tennessee located just south of Jackson. Will is employed by Freed-Hardeman University as an Assistant Director of Admissions. The couple is expecting their first child in June of 2025 and is excited to welcome their new baby into the world next Summer. Preparations are already underway to prepare their home for the new arrival. Ashley and Will also have a Cavalier King Charles Spaniel/Poodle mix puppy that is the resident canine manager of the household.
In their free time Ashley and Will like to cook, play tennis, attend various sports and entertainment events, travel, and spend time playing with their puppy. They are members of Henderson Church of Christ and take part in the various missions of the congregation. They are also active in the community supporting various causes and needs of this small tightknit town.
Ashley and her peers in organizations across the state of Tennessee are the future of their agencies, this association, and our industry. As an association, we will continue our emphasis on supporting Young Agents through events, educational opportunities, and through the Young Agents program. u
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Bill Vanderslice, Regional Vice-President 615-932-5508 | bvanderslice@berkleysig.com or your Middle Market Underwriter
AF GROUP
ASSOCIATED INSURANCE ADMINISTRATOR
BERKSHIRE HATHAWAY GUARD INS.
BUILDERS INSURANCE GROUP
CENTRAL INSURANCE COMPANIES
EMC INSURANCE
FRANKENMUTH INSURANCE
GOVERNMENTAL RISK INSURANCE PLANS
THE HANOVER INSURANCE GROUP
HARFORD MUTUAL
I HATE BUYING INSURANCE
J.M. WILSON
MARKEL SPECIALTY
MEM
SAFEWAY INSURANCE COMPANY
UTICA NATIONAL
INDEPENDENT MEMBER AGENCIES PREMIUMS WRITTEN
2020 PROFIT SHARING DISTRIBUTED TO MEMBERS
INDEPENDENT AGENCY START-UPS ASSISTED $400M+ 140+ 20+ 5 $4M $3M
2020 BONUSES DISTRIBUTED TO MEMBERS WAYS TO EARN ON A SINGLE BOOK
Anderson, Bedford, Bledsoe, Blount, Bradley, Campbell, Cannon, Carter, Chester, Claiborne, Clay, Cocke, Coffee, Crockett, Cumberland, Davidson, Decatur, Dekalb, Dickson, Fayette, Fentress, Franklin, Giles, Grainger, Greene, Grundy, Hamblen, Hamilton, Hancock, Hardeman, Hardin, Hawkins, Haywood, Henderson, Hickman, Jackson, Jefferson, Johnson, Knox, Lauderdale, Lawrence, Lewis, Lincoln, Loudon, Macon, Marion, Marshall, Maury, McMinn, McNairy, Meigs, Monroe, Moore, Morgan, Overton, Perry, Pickett, Polk, Putnam, Rhea, Roane, Rutherford, Scott, Sequatchie, Sevier, Shelby, Smith, Sullivan, Tipton, Trousdale, Unicoi, Union, Van Buren, Warren, Washington, Wayne, White, Williamson, and Wilson MEAA
State Advocacy Update Government & Legal Update
As the 114th Tennessee General Assembly convenes on January 14 at noon, lawmakers will return to Nashville to begin their work for the legislative session. Over the next several months, legislators will propose, debate, and vote on a wide array of bills that could have significant implications for Tennessee's businesses, including the insurance industry. With committee hearings, amendments, and floor votes driving the process, it will be crucial to monitor developments and advocate effectively to ensure policies support a healthy business environment and serve the best interests of Tennessee’s independent insurance agents and the communities they serve.
Insurors of Tennessee will be a constant presence throughout this process, working diligently to represent the interests of our industry. From analyzing proposed legislation and engaging with lawmakers to testifying before committees and collaborating with key stakeholders, we ensure your voice is heard in the halls of the Cordell Hull Building and the Capitol. Insurors is committed to advocating for policies that promote economic growth, reduce unnecessary regulatory burdens, and safeguard the essential role independent agents play in the lives of Tennesseans. Stay tuned for updates as we navigate this session together, ensuring our industry remains strong and poised for success.
2025 Government Affairs Committee Members
The Insurors of Tennessee is proud to announce the members of the 2025 Government Affairs Committee. These
dedicated individuals play a vital role in advocating for the interests of independent insurance agents across the state. We extend our heartfelt gratitude for their commitment to serving our members and advancing the organization's mission through effective government relations. Thank you for your service and leadership!
Bobby Sain, Bolivar Insurance & Real Estate, Inc. (Bolivar)
Kevin Ownby, Ownby Insurance Service (Sevierville)
Chris Allison, The Allison Insurance Group (Jackson)
Portis Tanner, Westan Insurance Group (Union City)
Lou Moran, III, Inter-Agency Insurance Services (Knoxville)
Bob McIntire, Insurance Incorporated (Cleveland)
Taylor Ragan, Martin & Zerfoss (Nashville)
John Brock, Brock Insurance Agency (Chattanooga)
Chip Piper, Powell & Meadows (Carthage)
Federal Corporate Transparency Act (CTA): Deadlines, Penalties, and—Most Importantly—Exemptions!
The Corporate Transparency Act (CTA), a federal law which became effective January 1, 2024, mandates that most U.S. businesses disclose their beneficial owners to the Financial Crimes Enforcement Network (FinCEN). This requirement aims to combat financial crimes by increasing transparency. Non-compliance can result in severe penalties, including civil fines up to $10,000 and criminal penalties of up to two years in prison.
Government & Legal Update
Recognizing the redundant nature and potential burden the law would impose on independent insurance agents, the Big "I" successfully advocated for an exemption for state-licensed insurance producers. They demonstrated that producers already provide beneficial ownership information to state regulators, making additional federal reporting redundant. Without this exemption, agencies with fewer than 20 employees would have faced new reporting obligations, subjecting them to the CTA's stringent compliance requirements and associated penalties.
This exemption spares independent insurance agents from the administrative burden and potential penalties associated with the CTA. It allows them to focus on serving their insureds without navigating additional federal reporting mandates, highlighting the Big "I"'s commitment to protecting its members' interests.
For more on the Big I’s successful efforts on the CTA, please read: https://www.iamagazine.com/news/big-i-secures-corporate-transparency-act-exemption-for-insurance-agents
For a full list of exempt entities see FinCen website here: https://www.fincen.gov/boi-faqs#C_2
This article is provided for informational purposes only and does not constitute legal advice. Readers should consult with a qualified attorney for advice regarding specific legal questions or concerns related to federal and state laws.
About the Author—Trey Moore is the government and legal consultant for Insurors. He operates Trey Moore Consulting in Nashville and formerly served as senior public policy counsel for one of Nashville’s largest law firms. Trey has over a decade of experience in representing clients before the Tennessee General Assembly and state government. u
Hurricanes, Severe Thunderstorms and Floods Drive Insured Losses Above USD 100 Billion For 5th Consecutive Year
Press Release 05 Dec 2024, Swiss Re Institute, Zurich
• Estimated insured losses from natural catastrophes on track to exceed USD 135 billion in 2024
• Hurricane Helene and Hurricane Milton severely impacted the US, resulting in estimated insured losses approaching USD 50 billion
• Major floods hit Europe and the Middle East, with estimated insured losses of close to USD 13 billion as of today
With 1.54°C above the pre-industrial average, 2024 is set to become the hottest year on record. A warming climate favours the occurrence of many of the natural catastrophes observed in 2024. Europe, in particular, has experienced intense flooding in 2024, resulting in the second-highest insured losses from floods in the region ever, according to Swiss Re Institute's estimates. The US has been affected by two major hurricanes and a high frequency of severe thunderstorms, making up at least two thirds of 2024's global insured losses of more than USD 135 billion as of today's estimates.
Balz Grollimund, Swiss Re's Head Catastrophe Perils, says: "For the fifth consecutive year, insured losses from natural catastrophes break the USD-100-billion mark. Much of this increasing loss burden results from value concentration in urban areas, economic growth, and increasing rebuilding costs. By favouring the conditions leading to many of this year's catastrophes, climate change is also playing an increasing role. This is why investing in mitigation and adaptation measures must become a priority."
Flood risk is rising globally
In 2024, severe floods in Europe and UAE resulted in estimated insured losses of close to USD 13 billion to date. It was the thirdcostliest year for this peril globally and the second costliest for Europe which experienced insured losses of approximately USD 10 billion, according to Swiss Re Institute's estimates.
Intense precipitation in April caused floods in the Gulf region, disrupting the operations of the world's busiest airport of Dubai. In September, Storm Boris caused major floods in Central Europe, mainly affecting the Czech Republic, Poland and Austria. Additional impacts were reported from Slovakia, Romania, Italy and Croatia. While so-called Vb lows –slow-moving, low-pressure systems – are nothing unusual in the region, the strong intensity of the Vb system connected to Storm Boris is favoured by conditions related to climate change. Storm Boris mixed cold Arctic air flowing southwards with unusually warm air from the east and south, drawing moisture from a record-breaking warm Mediterranean Sea.
In October, large parts of Spain experienced heavy rainfall, flash floods and hailstorms, which caused severe damage. The
floods were worst in eastern and southern Spain, with most of the damage across the Valencia and Castilla-La Mancha regions. Andalusia and the Balearic Islands were also affected. One year's average precipitation was dumped in less than eight hours in many locations. Steep clay terrain and drainage systems could not absorb the exceptional amount of water, leading to fast overflows.
Pluvial floods can severely affect urban areas
Floods come in varied forms. The most common are fluvial and pluvial floods, and in coastal areas, storm surge floods. Fluvial floods can happen after periods of heavy rainfall. They usually affect areas close to rivers where flood waves can build up gradually or rapidly and last for a longer period. Pluvial floods can happen anywhere and affect all kinds of (urban) areas. They cause flash floods after extreme rainfall in a short period of time because large parts of soil are sealed and therefore cannot absorb the excess of water as drainage systems are overwhelmed. Floods can also manifest as secondary effects of primary perils. This is the case for tropical-cyclone-induced flooding from storm surge and rainfall.
Jérôme Jean Haegeli, Swiss Re's Group Chief Economist, says: "Economic development continues to be the main driver of the rise in insured losses resulting from floods, but also other perils, seen over many decades. However, with natural catastrophe risks rising and higher price levels, the annual increase of 5–7% in insured losses will continue, and protection gaps could remain high. This highlights the need for adaptation in combination with an adequate insurance coverage that can support financial resilience."
Losses are likely to increase as climate change intensifies extreme weather events while asset values increase in high-risk areas due to urban sprawl. Adaptation is therefore key, and protective measures, such as dykes, dams and flood gates, are up to ten times more cost-effective than rebuilding.
2024: Hurricanes and severe thunderstorms, with US hardest hit
At least two thirds of this year's insured losses are attributable to the US: Two major hurricanes made landfall within a fortnight on the coast of Florida in September and October this year. Hurricane Helene made landfall as a major hurricane on 27 September, followed by Hurricane Milton on 9 October. Insured losses from both hurricanes are expected to amount to below USD 50 billion as of today. Additionally, 2024 experienced a high frequency of severe thunderstorms (severe convective storms, or SCS), which affected mostly the US. Insured losses from SCS are expected to add more than USD 51 billion globally for 2024 as of today, the second-highest loss after the record high of approximately USD 70 billion in 2023. u
BEST PRACTICES AGENCY
Your Chance to Be a 2025 Best Practices Agency
The 2025 Best Practices Study process is underway. If you think your agency has what it takes to be a Best Practices agency, the Big “I" and Reagan Consulting are accepting recommendations through the end of January 2025. Invitations to nominees will be sent in February. This opportunity only happens once every three years.
While participation in the Best Practices Study requires an investment of time to collect the necessary data, the benefits it creates for the agency are significant.
All agency nominees who submit their data for review receive a free customized agency performance analysis, valued at $495, that compares the agency's results with the 2025 Best Practices Study peer group—whether or not the agency makes it into the Best Practices Study.
BY Jennifer Becker
Agencies who achieve Best Practices status receive:
• Recognition in industry publications and opportunities for features and interviews throughout the three-year study cycle.
• An invitation to the exclusive Best Practices Symposium, plus other education opportunities.
• The 2025 Best Practices agency logo and designation, a distinction that can enhance recruitment, marketing and carrier relationships for years to come.
• A media kit to help announce your accomplishments to prospects, clients, carriers and your community.
To learn more about the process and timeline, search Become a Best Practices Agency at the Big "I" website. If you have any questions, email Jennifer Becker, Big “I" senior director of agent development, research and education at jennifer.becker@iiaba.net. u
AGENTS OF Simplification
Tools that make business easier and easier
At Progressive, we like to help our agents stay one step ahead, and we make that easy by sharing our experience and insights as a market leader. Then, we equip you with leading-edge tools and technology, like our multi-product quoting platform for both personal and commercial lines.
We’re working harder so you can work smarter— it’s that simple.
TO LEARN MORE
Search for us online at Agents of Progressive, Progressive Connect, or Progressive Appointment.
Association Update
Ron Travis Co-Hosts Conference
Shout out to our own Ron Travis who co-hosted the Southeastern Regulators Association Conference held in Nashville this past November. Tennessee Attorney General, Jonathan Skrmetti, presented as a featured keynote speaker along with other esteemed guests in attendance.
Have You Donated to Make-A-Wish?
Insurors of Tennessee is proudly raising money to support Make-A-Wish Middle Tennessee to help grant wishes for children with critical illnesses. Will you consider making a donation today? Please use the QR code for a direct link to our donation site.
What can your gift do?
Make-A-Wish plans every wish with one goal: to transform
the life of a child with a critical illness. Care and attention are given to every little detail. Your donation supports wishgranting needs and empowers the kids Make-A-Wish serves, bringing them hope for today – and tomorrow.
Ownby Donates to Hurricane Victims
Ownby Insurance Service was proud to partner with Insurors of Tennessee to be able to donate to Mountain Ways in support of Hurricane Helene relief. Thank you to Insurors for their support and to Mountain Ways for the work they're doing to support these communities.
With BBSI, you’ll have a dedicated Business Unit team who knows you and your business. In addition to payroll support and our full suite of consulting services, you’ll have access to our unique pay-as-you-go workers’ compensation program. BBSI will help you look at your business holistically in order to improve your efficiency, mitigate risk, and reduce administrative burdens.
Association Update Continued
Thanks to All Who Donated to Hurricane Helene Relief
Beth Roe, Sr. Regional sales manager at West Bend Insurance Company, collected items for Hurricane Helene at the 2024 Convention. Here is a note from Beth:
THANK YOU! Thanks to Insurors of Tennessee for allowing me to collect supplies at the 2024 Convention! And thank you to the employees of all the companies listed below that contributed with left overs from the trade show, brought in supplies, or sent supplies via Amazon. We were able to drop these off in the High Country of TN & NC recovering from Hurricane Helene. (Roan Mountain, Elk Park, and Banner Elk) In addition to that thanks to some local community donations we were able to donate 8 Kerosene Heaters with enough Kerosene to fill each up of 3 times! Along with camp chairs, tents, sleeping pads and more.
Here are a few photos I took while we were there. One thing that was interesting mud slides were as much a problem up there as the flooding. u
protection around the world +
Your attorney clients know their firm inside and out. You know your markets and your competitors. At Swiss Re Corporate Solutions, we have the capabilities and the financial strength to meet the risk needs of insureds for Lawyer’s Professional Liability. Whether the risk is basic or complex, we believe there’s only one way to arrive at the right solution. And that’s to work together and combine your experience with our expertise and your strengths with our skills. Long-term relationships bring long-term benefits. We’re smarter together.
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Company Briefs
JM Wilson New Hires and Promotions
JM Wilson is excited to announce the addition of Alex Scholten as Personal Lines Underwriter. Alex is responsible for underwriting a wide variety of new and renewal personal lines risks, as well as strengthening relationships with independent insurance agents and company underwriters in all states that JM Wilson writes in.
Alex joins JM Wilson with extensive experience in banking sales management, insurance underwriting, and internal brokerage. He holds a CPRIA designation and is an admitted insurance producer licensed in all 50 states.
JM Wilson is excited to announce the addition of Ashlee Franklin as Assistant to Claims and Personal Lines Underwriting. Ashlee is responsible for providing support to the Claims Manager and Personal Lines Underwriters, as well as strengthening relationships with independent insurance agents and company underwriters in all states that JM Wilson writes in.
Ashlee joins JM Wilson with over two years of experience in personal lines insurance, and over four years of experience in underwriting.
JM Wilson is pleased to announce the promotion of Priya Albert to Property and Casualty Underwriter. Priya’s responsibilities include underwriting a wide variety of new and renewal commercial property and casualty risks, as well as maintaining relationships with carrier underwriters and independent insurance agents in Georgia, North Carolina, South Carolina,
Priya joined JM Wilson in April of 2023 as an Assistant Property and Casualty Underwriter before her well-deserved promotion. In addition, Priya is a University of Delaware graduate where she earned a bachelor’s degree in finance and marketing.
Selective Insurance Group Appoints CFO
Selective Insurance Group, Inc. announced the appointment of Patrick S. Brennan as Chief Financial Officer, effective October 1, 2024. Mr. Brennan brings nearly two decades of insurance industry and public company executive experience to Selective, having most recently served as Treasurer of The Progressive Corporation, overseeing the treasury, capital strategy, risk management, and investor relations functions.
Before joining Selective Insurance, Patrick Brennan spent 18 years at The Progressive Corporation, serving for the last eight
Company Briefs
years as Treasurer, overseeing treasury, capital strategy, risk management, and investor relations. Previously, Mr. Brennan spent five years as Commercial Lines Product Manager, where he led several large states and ultimately moved to a strategic role focused on the countrywide Business Auto and Contractors customer verticals. He joined Progressive in 2006 as Senior Manager of Investor Relations. Earlier in his career, Mr. Brennan worked at IBM Corporation, where he served in its Treasury department, performing roles focused on funding strategy, foreign exchange strategy, and operations. Mr. Brennan received a Bachelor of Science degree in Mathematics and an MBA from the University of Notre Dame.
With Mr. Brennan’s appointment as CFO, Tony Harnett will continue as Selective’s Senior Vice President, Chief Accounting Officer.
CRC Group Acquires SLB
CRC Group has acquired SLB Insurance Group, a wellestablished binding authority operation with offices in Florida and Louisiana. Founded in 2000, SLB specializes in small to midmarket property and casualty, trucking, and personal lines insurance. Under the leadership of Darren Marsh, Trevor Keyes, and Keith Hinson, SLB has built a reputation for reliable production and strong market relationships with an innovative approach to technology.
"Adding SLB to CRC Binding is an exciting step forward," said Brennan Paris, President of CRC Binding. "Their production expertise and experienced leadership team align well with our goals of providing exceptional service and market access for our clients." Marsh, Keyes, and Hinson will continue to lead SLB, reporting to Brennan Paris, President, CRC Binding.
This acquisition expands CRC Group's binding operations in the Southeast, nearly doubling its presence in South Florida and enhancing its capabilities in Louisiana. It also marks CRC Group's first acquisition since becoming an independent wholesaler earlier this year, reflecting the company's focus on strategic growth and market leadership.
"The addition of SLB reflects our commitment to smart, purposeful growth and is just the start of what promises to be a dynamic year in 2025 – our first calendar year as an independent specialty broker," said Neil Kessler, CEO of CRC Group's Wholesale division. "We have a strong lineup of acquisitions in the pipeline and are executing with urgency." As CRC Group continues its strategic expansion, it remains focused on enhancing its services, growing its market presence, and delivering tailored solutions to clients nationwide.
Imperial PFS 2024 In Review
As part of our ongoing commitment to putting our clients at the forefront of everything we say and do, we rolled out several new features and benefits that streamline your operations and enhance user experiences. Let’s look at some of the changes that we made…
AutoPay
This flexible experience empowers agents, allowing you to initiate enrollment for your consenting insureds during the Premium Finance Agreement (PFA) process or after booking. This year, we further streamlined our AutoPay functionality, making it possible to receive emailed communications regarding the status of new enrollments, resend initiation emails, and gain additional insight into account activity, ensuring more efficient communications between you and your insured customers.
Recurring Credit Card Payments
This year, we successfully transitioned our recurring credit card payments from our third-party vendor, Plug'n Pay, to our new third party payment processor, AndDone™. This change allows us to offer you and your customers a more robust, user-friendly experience.
eSign & Document Delivery
They say small changes can make a significant impact, and that is true for our eSign and Document Delivery functions. This year's enhancements were designed to give you greater flexibility in working with documents, including uploading multiple documents simultaneously, increased functionality for editing and deleting existing quotes, and a more streamlined mobile experience. These updates work in conjunction to provide you with a simplified process from start to finish.
Branding
This year, we further enhanced customization opportunities to help your insured customers recognize important communications from IPFS. These custom branding enhancements accommodate varying logo sizes and introduce branding options on payment invoices.
Looking ahead to 2005 our streamlined capabilities and increased functions aim to consistently deliver a legendary experience to you, our valued clients. As we look ahead to 2025, we are excited to announce further updates to our AutoPay Recurring ACH process, enhanced premium finance quoting capabilities within the AndDone platform, and plans to engage more with our client feedback program.
Our founder said it best, “People do business with people,” and we appreciate the opportunity to do business with you. u
Winter Weather Driving Tips From NHTSA
We encourage you to share this article with your clients.
Whether it’s snow, sleet or ice, winter weather can cause extremely dangerous road conditions. In 2022 there were 498 fatal traffic crashes, and an estimated 32,213 injury crashes that occurred when there was snow/sleet conditions at the time of the crash. Preparing yourself – and your vehicle – for winter weather is key.
Driving in Winter Weather
The Basics
Slow down. It’s harder to control or stop your vehicle on a slick or snow-covered surface. In fact, 2022 there were an estimated 153,620 police reported traffic crashes that occurred when there was snow/sleet conditions at the time of the crash. On the road, increase your following distance enough so that you’ll have plenty of time to stop for vehicles ahead of you.
Don’t crowd a snow plow or travel beside the truck. Snow plows travel slowly, make wide turns, stop often, overlap lanes, and exit the road frequently. If you find yourself behind a snow plow, stay far enough behind it and use caution if you pass the plow.
What to Do in an Emergency
If you are stopped or stalled in wintry weather, stay focused on yourself and your passengers, your car, and your surroundings.
• Stay with your car and don’t overexert yourself.
• Let your car be seen. Put bright markers on the antenna or windows and keep the interior dome light on.
• Be mindful of carbon monoxide poisoning. Make sure your exhaust pipe is clear of any snow and run your car only sporadically — just long enough to stay warm. Don’t run your car for long periods of time with the windows up or in an enclosed space.
Changes You May Notice
Tires
As the outside temperature drops, so does tire inflation pressure. Make sure each tire is filled to the vehicle manufacturer’s recommended inflation pressure, which is in your owner’s manual and on a label located on the driver's side door frame. Do not inflate your tires to the pressure listed on the tire itself. That number is the maximum pressure the tire can hold, not the recommended pressure for the your vehicle.
Some other tips:
• Inspect your tires at least once a month and before long road trips.
• It’s best to check the tires when they’re cold, meaning that they have not been driven on for at least three hours.
• Check each tire’s age. Some vehicle manufacturers recommend replacing tires every six years regardless of use.
• An inspection is not just about checking tire pressure and age.
Remember to check:
• for any damage or conditions that may need attention;
• the tread and sidewalls for any cuts, punctures, bulges, scrapes, cracks, or bumps. The tread should be at least 2/32 of an inch or greater on all tires; and
• your spare tire.
Winter Weather Driving Tips From NHTSA - Continued
If you find tire damage, take your vehicle to a tire service professional.
Consider installing snow tires, but before buying new tires, visit NHTSA’s Tires page to review tire safety ratings. The Uniform Tire Quality Grading System (UTQGS) lets you compare tire treadwear, traction performance, and temperature resistance.
Car Seats
Side by side of children in car seat, one in puffy coat, one not. In colder weather, parents typically dress their children in winter coats. But it’s important to know that heavy coats can interfere with the proper harness fit on a child in a car seat. When your child will be secured in a car seat, pick thin, warm layers, and place blankets or coats around your child after the harness is snug and secure for extra warmth.
Also, make sure car seats and booster seats are properly installed and that any children riding with you are in the right seat for their ages and sizes. See NHTSA’s child passenger safety recommendations to find the right seat for your child’s age and size. You can visit NHTSA’s Child Car Seat Inspection Station Locator to find a free car seat inspection site near you, or to get information on virtual inspections.
Batteries
When the temperature drops, so does battery power. In cold weather, gasoline and diesel engines take more battery power to start, and electric and hybrid-electric vehicles’ driving range can be reduced. Have a mechanic check your battery, charging system, belts, and for any other needed repairs or replacements.
Safety Technologies
switching out your usual floor mats for thicker material or rubbery ones. Improperly installed floor mats in your vehicle could interfere with the operation of the accelerator or brake pedal, increasing the risk of a crash. Follow the manufacturer’s instructions for mat installation and use retention clips to secure the mats. Always use mats that are the correct size and fit for your vehicle.
Preparing Your Vehicle Lights
Check your headlights, brake lights, turn signals, emergency flashers and interior lights. Be sure to also check your trailer brake lights and turn signals, if necessary.
Windshield Wipers
Familiarize yourself with the safety technologies on your vehicle and how they perform in wintry conditions. Know whether your vehicle has an antilock brake system and learn how to use it properly. Antilock brake systems prevent your wheels from locking up during braking. If you have antilock brakes, apply firm, continuous pressure to the brake pedal. If you don’t have antilock brakes, you may need to pump your brakes if you feel your wheels starting to lock up. For more information on driver assistance technologies, visit NHTSA. gov/DriverAssistTech.
Floor Mats
Due to slushy winter conditions, you might consider
You can quickly go through a lot of windshield wiper fluid in a single snowstorm. Make sure your vehicle’s reservoir is full of high-quality “winter” fluid with de-icer before winter weather hits. Make sure defrosters and all windshield wipers work and replace any worn blades. Consider installing heavyduty winter wipers if you live in an area that gets a lot of snow and ice.
Cooling System
Make sure you have enough coolant in your vehicle, and that it meets the manufacturer’s specifications. See your vehicle owner’s manual for recommendations. Check the cooling system for leaks, test the coolant, and drain or replace the old coolant.
You may also want to visit your mechanic for a tune-up and ask them to check for leaks, badly worn hoses, or other needed parts, repairs, and replacements.
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
2/6 Elements of Risk Management Webinar
2/19 Commercial Casualty II Knoxville
3/20 Commercial Casualty I Webinar
4/14 Insuring Personal Residential Property Webinar
CIC
1/15-16 Insurance Company Operations* Nashville
2/19-20 Commercial Multiline* Nashville
4/23-24 Agency Management * Nashville
Other
3/5-6 Ruble Graduate Seminar Nashville
4/10-11 2025 Young Agents Conference Nashville
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.
ABEN Webcasts
(insurors.aben.tv)
The below are examples of the webcast classes that are available at insurors.aben.tv. View website for more.
Winter Weather Driving Tips From NHTSA - Continued
Before You Go
Stock Your Vehicle
Carry items in your vehicle to handle common winter drivingrelated tasks, and supplies you might need in an emergency, including:
• a snow shovel, broom, and ice scraper;
• abrasive material (sand or kitty litter), in case your vehicle gets stuck in the snow;
• jumper cables, flashlight, and warning devices (flares and emergency markers);
• first aid kit, including tourniquet;
• blankets for protection from the cold; and
• a cell phone and charger, water, food, and any necessary medicine.
Gas Up or Plug It In
Keep your gas tank close to full whenever possible. Similarly, in the case for electric and hybrid-electric vehicles, it is important keep your battery charged and to also minimize the drain on the battery. In general, batteries with liquid electrolyte have reduced energy storage and delivery
capabilities at lower temperatures, which is why most all vehicle batteries use battery power for self-heating in low temperatures. The battery drain due to heating can be minimized by keeping your electric vehicle as warm as possible during freezing temperatures. A common way to do this is plugging your vehicle in at night during the winter –keeping the battery in its optimal temperature ranges.
Plan Your Route
Check your local weather and traffic reports before heading out. If your roads are not in good shape, consider postponing non-essential travel until the roads are cleared. If you do have to go out, make sure you are prepared in case you become delayed while traveling. If making a long road trip when winter weather is forecasted, consider leaving early or changing your departure to avoid being on the roads during the worst of the storm.
Familiarize yourself with directions and maps before you go—even if you use a GPS—and let others know your route and anticipated arrival time. On longer trips, plan enough time to stop to stretch, get something to eat, check your phone, and change drivers or rest if you feel drowsy.
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.
Meetings- Mark Your Calendars
Big "I" Winter Meeting
January 29- February 1, 2025
Young Agents Conference
April 10-11, 2025
Nashville, TN
Big "I" Legislative Conference
April 30 - May 2, 2025
Winter Weather Driving Tips From NHTSA - Continued
Year-Round Safety
Check for Recalls
NHTSA's Recalls Look-up Tool lets you enter a vehicle identification number (VIN) to quickly learn if your vehicle has a critical safety issue that has not been repaired, and how to get that repair done for free. You can also download NHTSA’s SaferCar app and enter your vehicle and equipment information. If a recall is issued, you’ll get an alert on your phone.
Avoid Risky Driving Behaviors
You know the rules: Do not text or drive distracted; obey posted speed limits; and always drive sober. Both alcohol and drugs can impair safe and responsible driving by affecting things such as coordination, judgment, perception, and reaction time. And remember: always wear your seat belt. u
Hilton Austin
Austin, TX
Registration open
Hilton Green Hills
Nashville
Details to follow
The Westin (downtown)
Washington, DC
Insurors of Tennessee Participates in the Southern Agents Conference
Kristen Gulson, along with a contingent of members of the association attended the Southern Agents Conference held on December 6. The event was informative and productive giving our membership the opportunity to weigh in on important topics unique to Southern agents.
Since 1971, state association agents, leaders and executives across the Southeast have been gathering for the Southern Agents Conference workshop in Atlanta's Buckhead to network, share ideas and information, and to discuss successes and common challenges. The annual workshop provides a communication for Independent Insurance Agents and Brokers of America associations throughout the Southeast (IIABA) in 15 states: Alabama, Arkansas, District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and West Virginia.
During the event, agents relay common concerns to national industry organizations (IIABA, ISO, NCCI, etc.), as they solve common problems through small-group interaction. Members convene annually in Atlanta for the SAC Workshop, which attracts 250 agents, colleagues and family. IIABA Officers and staff address the group, which then break out into small focus and discussion groups. Company, Broker and Vendor colleagues participate working together to advance the independent agency system throughout the Southeast. u
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Workers’ Compensation Insuran C e
For tH ose W H o Build o ur 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.
