Alabama Independent June 2017 by PHCC-WI

121ST ANNUAL AIIA CONVENTION JUNE 7-9, 2017

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FIRSTSTEP

AIIA thanks the following sponsors for their support and participation in the First STEP program. AIIA’s First STEP program is your first step to involvement with independent agents in Alabama. For more sponsorship information or to sign up as a sponsor, please contact Nancy Crowe at 205-326-4129 or visit our website at www.aiia.org.

$20,000

The Sheffield Fund Alabama Insurance Management Services

$15,000 YOUR NAME

$10,000

Cornerstone National Insurance

Save The Date Troy RMI Golf

April 10 Wynlakes Golf & Country Club

Excalibur Education Foundation Clay Shoot April 21 Selwood Farms

HIIA Trusted Choice Walk May 20 Big Springs Park

Montgomery IIA Golf

May 25 Wynlakes Golf & Country Club

$7,500

121st Annual Convention & Trade Show

$5,000

Young Agents Summer Conference

National Security Fire & Casualty

Alabama Trucking Association WCSI Fund Centauri Insurance Progressive/ASI

$2,500

Alabama Self-Insured Work Comp Fund AlaCOMP Auto-Owners Insurance Berkley Southeast Insurance Group CRC Insurance Services Donegal Insurance Group EMC Insurance Companies Enterprise Rent-A-Car Frankenmuth Insurance Genesee General Penn National Sentry Insurance Southern Insurance Underwriters, Inc./ Siuprem Travelers Insurance Company TheZenith

We Thank You! 4

AIIA

Alabama Independent | 2017 Issue 1

June 7-9 Hilton Sandestin Beach Golf Resort & Spa

July 27-29 Hilton Pensacola

Young Agents and AIIA Committee Day August 16-17 AIIA Office

Big I PAC Golf Tournament September 19 Prattville Country Club

I – Day

October 11 University of Alabama

Fall Education Conference & Trade Fair October 18 AIIA Office Hosted by Small & Rural Agents Committee

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alabama

2017 • ISSUE 1

INDEPENDENT

Alabama Independent Insurance Agents, Inc. 141 London Parkway Phone: 205-326-4129 | Fax: 205-326-3086 | www.aiia.org Executive Vice President: Bill Sager, CIC Editor: Michelle McKee

CONTENTS

LEADERSHIP & STAFF AIIA OFFICERS President : Jeff Hogg, CPIA, CLCS Tuscaloosa President Elect: Haig Wright, CIC Jasper Secretary/Treasurer: Steve Sprayberry, CIC Sylacauga

State National Director: Jeff Grice, CIC Jasper Immediate Past President: Richard Pardue, CIC Birmingham

4 4 8 10 12 14 21 22 25 28 29 30 31 32 38 40 41 42 46 46

First Step Sponsors AIIA Save The Date Letter from the AIIA President, Jeff Hogg, CPIA, CLCS Letter from the AIIA EVP, Bill Sager, CIC InsurPAC 2016 Contributors Alabama Elected Officials Big I PAC Contributors Convention Information: Get Involved How To Effectively Manage Multiple Generations in the Workplace Young Agents: Chair Report 8th Annual Clay Shoot Registration The Next Generation of Insurance Talent? Nominate Outstanding CSR of the Year Tornadoes, Hurricanes And Fires … Oh My! Ted’s Tablet Q & A Education Calendar April Webinars Industry News Seen & Heard Welcome New Members

BOARD OF DIRECTORS District 1 Larry Crosby, CIC - Brewton Michael Sullivan, CIC - Foley C. Todd Thomas - Montrose District 2 Steve Mullis, CPIA - Montgomery W. Keith Nobles, CIC - Wetumpka Jean Ann Rittenour-Donley, CISR, CIC, CPIA, CPIW - Montgomery Ray Smith - Deatsville District 3 John H. Dark, CIC, AAI - Alexander City Brad Young, CPIA - Anniston Boyd McGehee – Talladega District 4 Steve Hoggle, CIC - Guntersville Wayne Walker - Hamilton Josh Goe, CLCL – Madison District 5 Kelly Aday - Lexington Susanne Grimwood, CIC, CISR - Huntsville Connie Waldrip, CISR - Huntsville

ADVERTISER INDEX AGC Alabama 11 Allstar Financial Group 40 Amalgamated Ins. Underwriters 7 Anderson and Murison 37 Berkley Southeast 2 Berkshire Hathaway Guard Insurance Companies 26 Burns & Wilcox 9 Centauri Insurance 5 EMC Insurance Companies 3 FCCI 35 Genesee General 28

Alabama Independent | 2017 Issue 1

General Contractor and Emergency Services 27 HICI 13 Iroquois Group 37 M.J. Kelly Company-Alabama 43 Risk Placement Services 39 SIUPREM 42 Southern Insurance Underwriters, Inc. 48 Summit Consulting 19 The National Security Group 20 UFG 45

District 6 Evelyn Burchfield, CIC, CRM, AAI, AIS Birmingham Russell Greenhalgh, CIC - Birmingham Mary Hall - Birmingham Bill Jacka, Jr. - Birmingham Margaret Ann Pyburn, CPIA - Birmingham District 7 Kevin Myrick - Tuscaloosa Lin Moore - Tuscaloosa Young Agents C.D. Denson - Homewood Past President Jere Peak - Selma AIIA STAFF Executive Vice President: Bill Sager, CIC Director of Education: Ted Kinney, CIC, CPCU, ARM, CPIA, AAI, AU, CRIS, AINS Director of Communications & Member Services: Michelle McKee Director of Education Administration: Tangerie Underwood, CISR, CPIA E & O Administrator: Carol Hunt, CPIA Accounting Supervisor: Irene Smyly Director of Meetings & Events: Nancy Crowe RLI Administrator: Tangerie Underwood, CISR, CPIA Printing & Mailroom Coordinator: Waymon McIntosh Office Manager: Sarah Walker

PUBLICATION INFORMATION The Alabama Independent is the official magazine of the Alabama Independent Insurance Agents, Inc. Association (AIIA), and is published quarterly by Blue Water Publishers, LLC. AIIA does not necessarily endorse any of the companies advertising in this publication or the views of its writers. AIIA reserves the right, in its sole discretion, to reject advertising that does not meet AIIA qualifications or which may detract from its business, professional or ethical standards. The publisher cannot assume responsibility for claims made by its advertisers, content provided by the editor, or the opinions expressed by contributing authors. For information on advertising, contact Eric Johnson, Blue Water Publishers, 414-708-2059 or eric@bluewaterpublishers.org.

::: hotel insurance program

::: ::::: :: y::':: :: ::c: f:: moree Program Highlights: ::::::::::::::::::::: :::::::::::::::::::::::::::::::::::::

(800) 613-2600 www.AIU-USA.com 2017 Issue 1 | Alabama Independent

Jeff Hogg, CPIA, CLCS

AIIA President

As we move forward in 2017, I want to thank you for allowing me to represent our membership as your AIIA President for the past year. Thanks to our members, board of directors, past presidents, executive committee, and staff; this has been an incredible year for our association. We still continue to track well with our finances, and have taken a progressive approach to recruiting new members. AIIA is only as strong as its membership, so I encourage each of you to take a proactive approach in being more involved within our association. If you have never served on a committee, this is your year to do so. We have something for everyone’s interest, whether it be Legislative, Member Services, Personal Lines, Commercial Lines, Trusted Choice, Associate Members, Young Agents, Small & Rural, to name just a few. Also, don’t forget that we have a lot of upcoming events that are guaranteed to give you more knowledge of our industry, promote social networking, and create a spark in your business for positive growth. During my term as president, I have talked about the perpetuation of our association, however it goes deeper than just that. We have to perpetuate our industry by showing the value of what the independent agency system offers. One group that has really taken this to heart, is our Excalibur committee which holds an annual Clay Shoot in order to raise money to endow scholarships for deserving college students pursuing a career in the field of insurance and risk management. Each year this event has grown, and we are proud to report that nearly $13,000 was raised last year. This year will be our 8th Annual Clay Shoot and will be held Friday, April 21, at Selwood 8

Alabama Independent | 2017 Issue 1

Farm. For those who haven’t attended in the past, the day will begin with registration and lunch. After lunch, a brief safety meeting will be held before teams of four ride their carts to their stations. Each station presents its own unique challenges where the sporting clays fly out of a mechanical launcher in diverse patterns and speeds. All skill levels are welcome, so make sure to mark your calendar for this event. One of the main events each year is our annual convention and trade show. If you have never been to this event, you are missing out. Each year relationships are strengthened, business is written, knowledge is broadened, all while having a great time at the beach. We will once again hold our convention at the Hilton Sandestin Beach Resort in Destin, Florida. The dates will be June 7-9. The convention will begin with a “Come As You Are” Pool Party on Wednesday and conclude with a more formal evening event on Friday. Even though the final touches are still being put on the program, I can assure you that we are taking your feedback to make this a “can’t miss” event. In closing, I also want to thank our Young Agents for putting on another well-attended Legislative Conference in Montgomery. I am amazed each year at how well organized this event is. Hats off to our Young Agents as they are the future of our association. Once again, I encourage you to get involved. It is never too early or too late to start. If you love this industry, then my challenge to you is to put your time where your heart is. Invest back into your association. There is no greater time than the present.

CHOOSE A CHAMPION Jimmy Walker

2016 PGA Champion Burns & Wilcox Brand Ambassador

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Bill Sager, CIC

AIIA Executive Vice President

Now that flight 2017 has left the terminal, we have received the notice from the captain to remain seated with our seatbelts securely fastened during the duration of flight 2017. That could be valuable advice as we move through this new year. The industry challenges, changes and unknowns could cause turbulence. New online “consumer friendly” carriers seem to pop up every month promising easy placement of coverage, no hassle service and immediate claim payments…..the regulatory environment is always something to keep an eye on. We continue to aggressively support insurance regulation remaining at the state level. Cyber liability seems to be a major topic for state insurance regulators and guidelines are being put into place can affect agents with non-resident licenses in those states enacting new regulations. Companies continue to look for ways to remain competitive in the market place while staying profitable and adding to reserves for future claim payments….that we all know will occur. Some may eliminate writing certain markets or risks, make rate adjustments or adjust commission rates. We have all felt the impact of these types of changes over the years. Some of the challenges will be new and some we’ll know very well. It is important for all of us to manage the challenges and opportunities we have as they show up on our radar screens during our flight. Together we can have a better opportunity to navigate positively when the challenges come. AIIA is your partner as we move forward. Our legislative session began on February 7. We will keep you posted on legislation that could have an impact on our industry. As in most every legislative session we will have bills we support and those we oppose. There 10

Alabama Independent | 2017 Issue 1

may be times we need your assistance in contacting your representative or senator on an issue or issues and we will notify you with the information by email. You have always been great to respond favorably to these requests and we appreciate your support. As flight 2017 continues you will have opportunities for networking along with educational opportunities at several events. We continue to enhance our on-line educational opportunities. If you haven’t scanned our website recently….take a look….there are excellent opportunities for all agents. The annual Excalibur Clay Shoot will be held Friday, April 21. This event is the lead fundraiser for our Excalibur Foundation, which provides scholarships to students in the field of insurance and risk management. Our annual AIIA convention will be June 7-9 at the San Destin Hilton. Make plans now to attend. Your President Jeff Hogg is planning a unique event and you don’t want to miss it! The Young Agent’s Conference is July 27-29 at the Pensacola Beach Hilton. This conference is going to keep pace with the last few, which have been awesome! The Fall Education Conference and Trade Fair will once again be held in October so watch for the details coming soon. Your support of AIIA is always appreciated and it is important to us as we try to provide a variety of services and opportunities for our members. Join us for all of our 2017 activities. The pilot just announced we are at our cruising altitude and should arrive on time at the gate in approximately 9 months. Our hope is your flight 2017 will be all you want it to be.

2017 Issue 1 | Alabama Independent

InsurPac 2016 CONTRIBUTORS SPONSOR LEVELS:

Many thanks to those who contributed to the IIABA political action committee. Congratulations to our Young Agents on meeting their 2016 goal!

• $1,000 Centennial Club • $150 Founders Club

• $500 Gold Club • $100 Young Agent

• $250 Pioneer Club • $149 (or less) Other

Kelly Aday – YA Sam Newton Insurance Agency

Forrest Fitts – O Fitts Agency, Inc.

Vicki Mullino – O Cousins Insurance Agency, Inc.

Warren Askew – YA Harris McKay Insurance, Inc.

David Fitts – O Fitts Agency, Inc.

Steve Mullis – O The Whitecotton Agency, LLC

Charlie Bailey – O Pritchett-Moore, Inc.

Joe Fuller – O Stead & Fuller Insurance, Inc.

Jim Murphree – GC Jim Murphree Insurance Agency

Brandon Baird – O Truitt Insurance & Bonding

Vickie Fuller – O Stead & Fuller Insurance, Inc.

Kevin Myrick – YA The Insurance Center of Tuscaloosa

Joe Bennett – PC Cousins Insurance Agency, Inc.

Art Glasgow – FC Peck-Glasgow Agency, Inc.

Sam Newton – PC Sam Newton Insurance Agency

Casey Bentley – O Rux Carter Insurance

Josh Goe – O Peck-Glasgow Agency, Inc.

Keith Nobles – O Cousins Insurance Agency, Inc.

Raymond Best – FC Best Insurance Agency, LLC

Jeff Grice – CC Lacy Grice Insurance Agency

Jacob O’Neal – O Burns & Wilcox

Kathy Brown – PC Sam Newton Insurance Agency

Jeremy Henderson – O SanBuck, Inc.

Richard Pardue – GC Anchor Pardue Insurance, Inc.

Mark Calhoun – PC McGriff, Seibles & Williams, Inc.

Nicole Hester – O Berkshire Hathaway

Virginia Parks – O Fitts Agency, Inc.

Trevor Collins – O Collins Insurance Agency

Steve Hoggle – FC Woodall & Hoggle Insurance

Owen Peak – O Peak Insurance, Inc.

John Dark – PC Dark Insurance Agency

Joni Holt – GC Holt Insurance Agency

David Peel – O Colonial Insurance Agency, Inc.

C.D. Denson – YA Stead & Fuller Insurance, Inc.

Charles Horton – O Fitts Agency, Inc.

Geoff Plott – PC USI Insurance Services, Inc.

Tim Donahue – O Fitts Agency, Inc.

Jay Ison – GC Thames Batre, Ltd.

Eddie Pruett – PC Blackbelt Insurors, Inc.

Charlotte Doss – O Blackbelt Insurors, Inc.

David Jarrell – YA RSA Insurance

Mandy Rabren – YA Insurance Place

Connie Waldrip – PC Fountain, Parker, Harbarger & Associates

Jerry Dubose – FC National Security Fire & Casualty

Mark Landers – O J. Smith Lanier & Co.

Alison Ray – O Altasurance

Wayne Walker – O Walker Insurance Agency

Matthew Ellis – O Johnson & Johnson

Harry Mattei – PC Thames Batré, Ltd.

Joanne Reed – FC The Sheffield Fund

Lisa Worley – PC Anchor Pardue Insurance, Inc.

Mike Evans – PC Your Insurance Centers, Inc.

Brenda McNeill – O Genesee General

Chris Reynolds – YA Dormon & Reynolds Insurance, Inc.

Haig Wright – PC Byars I Wright, Inc.

Perry Reynolds – FC Dormon & Reynolds Insurance, Inc. Jean Ann Rittenour-Donley – FC Palomar Insurance Corporation Todd Roberts – YA Talladega Insurance Agency Bill Sager – GC Alabama Independent Insurance Agents Betty Salter – O Salter Insurance Agency Denny Sanford – O SanBuck, Inc. Ricky Sims – PC Your Insurance Centers, Inc. Blake Souders – O Souders Underwriting Group, LLC Steve Sprayberry – PC Wright-Sprayberry Insurance, LLC Dennis Stastka – O Stastka Insurance Agency Malissa Stritikus – O ASI/Progressive George Thompson – GC Thompson Insurance, Inc.

THANK YOU! 12

Alabama Independent | 2017 Issue 1

ALAB CONGRESSIONAL MEMBERS Senator Luther Strange (R) G-12 Dirksen Senate Office Building Washington, DC 20510 Phone: 202-224-4124 strange.senate.gov Senator Richard Shelby (R) 326 Russell Senate Office Building Washington, D.C. 20510 Phone: 202-224-5744 shelby.senate.gov 15 Lee St. FMJ Federal Courthouse, Suite 208 Montgomery, AL 36104 Phone: 334-223-7303 Representative Robert Aderholt (R) – District 4 235 Cannon House Office Building Washington, D.C. 20515 Phone: 202-225-4876 aderholt.house.gov 247 Carl Elliot Building 1710 Alabama Ave. Jasper, AL 35501 Phone: 205-221-2310 Representative Mo Brooks (R) – District 5 2400 Rayburn House Office Building Washington, D.C. 20515 Phone: 202-225-4801 brooks.house.gov 2101 W. Clinton Ave., Suite 302 Huntsville, AL 35805 Phone: 256-551-0190 Representative Bradley Byrne (R) – District 1 119 Cannon House Office Building Washington, D.C. 20515 Phone: 202-225-4931 byrne.house.gov 11 N. Water St., Suite 15290 Mobile, AL 36602 Phone: 251-690-2811 Representative Gary Palmer (R) – District 6 330 Cannon House Office Building Washington, D.C. 20515 Phone: 202-225-4921 palmer.house.gov 3535 Grandview Pkwy, Suite 525 Birmingham, AL 35243 Phone: 205-968-1290

Representative Martha Roby (R) – District 2 442 Cannon House Office Building Washington, D.C. 20515 Phone: 202-225-2901 roby.house.gov 217 Graceland Dr., Suite 5 Dothan, AL 36305 Phone: 334-794-9680 Representative Mike Rogers (R) – District 3 2184 Rayburn House Office Building Washington, D.C. 20515 Phone: 202-225-3261 mike-rogers.house.gov 1129 Noble St., Suite 104 Anniston, AL 36201 Phone: 256-236-5655 Representative Terri Sewell (D) – District 7 2201 Rayburn House Office Building Washington, D.C. 20515 Phone: 202-225-2665 sewell.house.gov 908 Alabama Ave. Federal Building, Suite 112 Selma, AL 36701 Phone: 334-877-4414

ELECTED O

BAMA

OFFICIALS

Governor Robert Bentley State Capitol 600 Dexter Avenue Montgomery, AL 36130 Phone: 334-242-7100 governor.alabama.gov Lieutenant Governor Kay Ivey Alabama State House 11 South Union Street, Suite 725 Montgomery, AL 36130 Phone: 334-242-7900 ltgov.alabama.gov Attorney General Steve Marshall 501 Washington Avenue Montgomery, AL 36104 Phone: 334-242-7300 ago.alabama.gov

State Auditor Jim Ziegler State Capital Room 600 Dexter Avenue, Suite 101 Montgomery, AL 36130 Phone: 334-242-7010 auditor.alabama.gov jim.zeigler@auditor.alabama.gov

Secretary of State John Merrill State Capitol Room 600 Dexter Avenue, Suite 105 Montgomery, AL 36130 Phone: 334-242-7200 sos.alabama.gov john.Merrill@sos.alabama.gov

State Treasurer Young Boozer, III State Capitol Room 600 Dexter Avenue, Suite 106 Montgomery, AL 36130 Phone: 334-242-7500 treasury.alabama.gov young.boozer@treasury.alabama.gov

Commissioner of Agriculture & Industries John McMillan Richard Beard Building 1445 Federal Drive Montgomery, AL 36107 Phone: 334-240-7100 agi.alabama.gov john.mcmillan@agi.alabama.gov

CONSTITUTIONAL OFFICERS 2017 Issue 1 | Alabama Independent

STATE SENATE Montgomery address for all State Senators: Alabama State House 11 South Union Street Montgomery, AL 36130 Senator Greg Albritton (R) – District 22 P.O. Box 776 Bay Minette, AL 36507 Phone: 334-242-7843 galbritton@att.net Senator Gerald Allen (R) – District 21 P.O. Box 70007 Tuscaloosa, AL 35407 Phone: 334-242-7889 gerald.allen.@alsenate.gov Senator Billy Beasley (D) – District 28 P.O. Box 606 Clayton, AL 36016 Phone: 334-242-7868 billy.beasley@alsenate.gov Senator Slade Blackwell (R) – District 15 2501 20th Place South, Suite 225 Birmingham, AL 35223 Phone: 334-242-7851 sb@sladeblackwell.com Senator Dick Brewbaker (R) – District 25 Alabama State House 11 South Union Street, Suite 734-A Montgomery, AL 36130 Phone: 334-242-7895 dick.brewbaker@alsenate.gov

Senator Paul Sanford (R) – District 7 726 Madison Street Huntsville, AL 35801 Phone: 334-242-7867 paul.sanford@alsenate.gov

Senator Bill Hightower (R) – District 35 104 S Lawrence Street Mobile, AL 36602 Phone: 334-242-7882 bill.hightower@alsenate.gov

Senator Clay Scofield (R) – District 9 412-A Gunter Avenue Guntersville, AL 35976 Phone: 334-242-7876 clay.scofield@alsenate.gov Senator Shay Shelnutt (R) – District 17 P.O. Box 120 Trussville, AL 35173 Phone: 334-242-7794 shay.sd17@gmail.com

Senator Jimmy Holley (R) – District 31 Alabama State House 11 South Union Street, Suite 732 Montgomery, AL 36130 Phone: 334-242-7845 Senator Bill Holtzclaw (R) – District 2 P.O. Box 1801 Madison, AL 35758 Phone: 334-242-7854 bill.holtzclaw@alsenate.gov Senator Steve Livingston (R) – District 8 P.O. Box 8 Scottsboro, AL 35768 Phone: 334-242-7858 steve.livingston@alsenate.gov Senator Del Marsh, President Pro Tempore (R) – District 12 P.O. Box 2365 Anniston, AL 36202 Phone: 334-242-7877

Senator Paul Bussman (R) – District 4 1625 Main Avenue SW Cullman, AL 35055 Phone: 334-242-7855 p_bussman@bellsouth.net

Senator Jim McClendon (R) – District 11 361 Jones Road Springville, AL 35146 Phone: 334-242-7898 jimmcc@windstream.net

Senator Clyde Chambliss (R) – District 30 Alabama State House 11 South Union Street, Suite 733-B Montgomery, AL 36130 Phone: 334-242-7883 clyde.chambliss@alsenate.gov

Senator Tim Melson (R) – District 1 P.O. Box 550 Florence, AL 35631 Phone: 334-242-7888 Senator Arthur Orr (R) – District 3 P.O. Box 305 Decatur, AL 35602 Phone: 334-242-7891

Senator Linda Coleman-Madison (D) – District 20 Alabama State House 11 South Union Street, Suite 738 Montgomery, AL 36130 Phone: 334-242-7864 linda.coleman@birminghamal.gov Senator Gerald Dial (R) – District 13 P.O. Box 248 Lineville, AL 36266 Phone: 334-242-7874 gerald_dial@yahoo.com Senator Priscilla Dunn (D) – District 19 460 Carriage Hills Drive Bessemer, AL 35022 Phone: 334-242-7793 Senator Vivian Davis Figures (D) – District 33 P.O. Box 7985 Mobile, AL 36670 Phone: 334-242-7871 vivian.figures@alsenate.gov

Senator Rusty Glover (R) – District 34 P.O. Box 2175 Semmes, AL 36575 Phone: 334-242-7886 rusty.glover@alsenate.gov

Alabama Independent | 2017 Issue 1

Senator Trip Pittman (R) – District 32 P.O. Box 1812 Daphne, AL 36526 Phone: 334-242-7897 trip.pittman@alsenate.gov Senator Greg Reed (R) – District 5 900 Hwy 78 East, Suite 200, # 106 Jasper, AL 35502 Phone: 334-242-7894 greg.reed@alsenate.gov Senator Quinton Ross, Jr. (D) – District 26 Alabama State House 11 South Union Street, Suite 740 Montgomery, AL 36130 Phone: 334-242-7880 quinton.ross@alsenate.gov Senator Hank Sanders (D) – District 23 P. O. Box 1290 Selma, AL 36702 Phone: 334-242-7860

Senator Bobby Singleton (D) – District 24 Alabama State House 11 South Union Street, Suite 738 Montgomery, AL 36130 Phone: 334-242-7935 bsingle362@gmail.com Senator Harri Anne Smith (I) – District 29 P.O. Box 483 Slocomb, AL 36375 Phone: 334-242-7879 harriannesmith@graceba.net Senator Rodger Smitherman (D) – District 18 2029 2nd Avenue N Birmingham, AL 35203 Phone: 334-242-7870 rodger.smitherman@alsenate.gov Senator Larry Stutts (R) – District 6 1120 South Jackson Hwy, Suite 104 Sheffield, AL 35660 Phone: 334-242-7862 larry.stutts@alsenate.gov Senator J.T. “Jabo” Waggoner (R) – District 16 P.O. Box 660609 Vestavia Hills, AL 35266 Phone: 334-242-7892 jabo.waggoner@alsenate.gov Senator Cam Ward (R) – District 14 P.O. Box 1749 Alabaster, AL 35007 Phone: 334-242-7873 cam@camward.com Senator Tom Whatley (R) – District 27 P.O. Box 841 Auburn, AL 36831 Phone: 334-242-7865 tom.whatley@alsenate.gov Senator Phil Williams (R) – District 10 400 Broad Street, Suite 111 Gadsden, AL 35901 Phone: 334-242-7857 phil@williamsstatesenate.com

HOUSE OF REPRESENTATIVES Montgomery address for all Representatives of the House: Alabama State House 11 South Union Street Montgomery, AL 36130

Representative Alan Boothe (R) – District 89 P.O. Box 561 Troy, AL 36081 Phone: 334-242-7710 aboothe@troy.edu

Representative Will Ainsworth (R) – District 27 412-A Gunter Avenue Guntersville, AL 35976 Phone: 334-242-7772 will.ainsworth@alhouse.gov

Representative Barbara Boyd (D) – District 32 P.O. Box 2132 Anniston, AL 36202 Phone: 334-242-7692 barbara.boyd@alhouse.gov

Representative Louise Alexander (D) – District 56 2301 9th Avenue, North Bessemer, AL 35022 Phone: 334-242-7593 louise.alexander@alhouse.gov

Representative Napoleon Bracy, Jr. (D) – District 98 104 South Lawrence Street Mobile, AL 36602 Phone: 334-242-7756 napoleon.bracy@alhouse.gov

Representative Alan Baker (R) – District 66 P.O. Box 975 Brewton, AL 36427 Phone: 334-242-7720 staterep@co.escambia.al.us

Representative K.L. Brown (R) – District 40 322 Nisbet Street NW Jacksonville, AL 36265 Phone: 334-353-1778 klbrown@cableone.net

Representative Mike Ball (R) – District 10 105 Canterbury Circle Madison, AL 35758 Phone: 334-242-7683 mikebal@knology.net

Representative James Buskey (D) – District 99 104 South Lawrence Street Mobile, AL 36602 Phone: 334-242-7757 james.buskey@alhouse.gov

Representative George Bandy, Jr. (D) – District 83 1307-A Glenn Circle Opelika, AL 36801 Phone: 334-242-7721 george.bandy@alhouse.gov

Representative Mack Butler (R) – District 30 3518 Montrose Avenue Rainbow City, AL 35906 Phone: 334-242-7446 mack.butler@alhouse.gov

Representative Paul Beckman (R) – District 88 P.O. Box 681055 Prattville, AL 36068 Phone: 334-242-7499 paulbeckmanjr@yahoo.com

Representative Jim Carns (R) – District 48 P.O. Box 43797 Birmingham, AL 35243 Phone: 334-242-7549 jwcarns@yahoo.com

Representative Elaine Beech (D) – District 65 P.O. Box 1256 Chatom, AL 36518 Phone: 334-242-7702 elainebeech83@gmail.com

Representative Donnie Chesteen (R) – District 87 P.O. Box 39 Geneva, AL 36340 Phone: 334-242-7742 dchesteen@panhandle.rr.com Representative Adline Clarke (D) – District 97 P.O. Box 40758 Mobile, AL 36640 Phone: 334-242-7449 adline.clarke@alhouse.gov Representative Steve Clouse (R) – District 93 P.O. Box 818 Ozark, AL 36361 Phone: 334-242-7717 steve.clouse@alhouse.gov Representative Merika Coleman-Evans (D) – District 57 P.O. Box 28888 Birmingham, AL 35228 Phone: 334-242-7755 merika.coleman@alhouse.gov Representative Terri Collins (R) – District 8 2128 6th Avenue SE, Suite 504 Decatur, AL 35601 Phone: 334-242-7693 terri@terricollins.org Representative Danny Crawford (R) – District 5 11 South Union Street, Suite 522-A Montgomery, AL 36130 Phone: 334-242-1616 danny.crawford@ alhouse.gov

Representative Marcel Black (D) – District 3 P.O. Box 491 Tuscumbia, AL 35674 Phone: 334-242-7686 marcel.black@blackandhughston.com Representative Chris Blackshear (R) – District 80 11 South Union Street, Suite 427-A Montgomery, AL 36130 Phone: 334-242-1683 chris.blackshear@alhouse.gov

2017 Issue 1 | Alabama Independent

HOUSE OF REPRESENTATIVES

CONTinued

Representative Anthony Daniels, Jr. (D) – District 53 P.O. Box 18711 Huntsville, AL 35801 Phone: 334-242-7494 anthony.daniels@alhouse.gov Representative Randy Davis (R) – District 96 P.O. Box 1083 Daphne, AL 36526 Phone: 334-242-7724 randalldavis14@gmail.com Representative Dickie Drake (R) – District 45 7049 Briarwood Lane Leeds, AL 35094 Phone: 334-242-7727 cdrake1080@aol.com Representative Barbara Drummond (D) – District 103 1266 Horton Drive Mobile, AL 36605 Phone: 334-242-7764 drummondbarbara@att.net Representative Corley Ellis (R) – District 41 P.O. Box 1177 Columbiana, AL 35051 Phone: 334-242-7600 corley.ellis@alhouse.gov Representative Chris England (D) – District 70 1681 Ozier Drive Tuscaloosa, AL 35405 Phone: 334-242-7703 cengland1@hotmail.com Representative Allen Farley (R) – District 15 P.O. Box 516 McCalla, AL 35111 Phone: 334-242-7767 allenfarley@bellsouth.net Representative David Faulkner (R) – District 46 505 North 20th Street, Suite 1800 Birmingham, AL 35203 Phone: 334-242-7265 david.faulkner@alhouse.gov Representative Joe Faust, Sr. (R) – District 94 1100 Fairhope Avenue Fairhope, AL 36532 Phone: 334-242-7699 jfaust@baldwincountyal.gov Representative Bob Fincher (R) – District 37 11823 County Road 59 Woodland, AL 36280 Phone: 334-242-7708 rsfincher77@gmail.com Representative Craig Ford (D) – District 28 P.O. Box 8208 Gadsden, AL 35902 Phone: 334-242-7690 craig.ford@alhouse.gov Representative Berry Forte (D) – District 84 620 Davis Lane Eufaula, AL 36027 Phone: 334-242-7553 berry.forte@alhouse.gov Representative Matt Fridy (R) – District 73 800 Shades Creek Parkway, Suite 400 Birmingham, AL 35209 Phone: 334-242-7775 mdfridy@gmail.com

Alabama Independent | 2017 Issue 1

Representative Danny Garrett (R) – District 44 P.O. Box 531 Trussville, AL 35173 Phone: 334-242-7535 dannygarrett44@gmail.com

Representative Mike Holmes (R) – District 31 67 Cabin Road Wetumpka, AL 36093 Phone: 334-242-7215 mike.holmes@alhouse.gov

Representative Victor Gaston (R), Speaker Pro Tempore – District 100 1136 Hillcrest Crossing West Mobile, AL 36695 Phone: 334-242-7663 victor.gaston@alhouse.gov

Representative Ralph Howard (D) – District 72 P.O. Box 360 Greensboro, AL 36744 Phone: 334-242-7759 ralph.howard@alhouse.gov

Representative Juandalynn Givan (D) – District 60 P.O. Box 13803 Birmingham, AL 35202 Phone: 334-242-7684 juandalynn.givan@alhouse.gov Representative Lynn Greer (R) – District 2 P.O. Box 40 Rogersville, AL 35652 Phone: 334-242-7576 lynn.greer@alhouse.gov Representative Dexter Grimsley (D) – District 85 168 Res Drive Newville, AL 36353 Phone: 334-242-7740 wlmdex@hotmail.com Representative Laura Hall (D) – District 19 P.O. Box 3367 Huntsville, AL 35810 Phone: 334-242-7688 laura.hall@alhouse.gov Representative Micky Hammon (R) – District 4 2128 6th Avenue SE, Suite 504 Decatur, AL 35601 Phone: 334-242-7709 mickyhammon@gmail.com Representative Tommy Hanes, Jr. (R) – District 23 100 Peachtree Street Scottsboro, AL 35768 Phone: 334-242-7551 jhanes55@gmail.com Representative Corey Harbison (R) – District 12 P.O. Box 472 Cullman, AL 35056 Phone: 334-242-7778 corey.harbison@alhouse.gov Representative Alan Harper (R) – District 61 P.O. Box 1499 Northport, AL 35476 Phone: 334-242-7732 salanharper@gmail.com Representative Ed Henry (R) – District 9 2128 6th Avenue Southeast, Suite 504 Decatur, AL 35601 Phone: 334-242-7736 ed.henry@alhouse.gov Representative Jim Hill (R) – District 50 P.O. Box 310 Moody, AL 35004 Phone: 334-242-7743 jim.hill@alhouse.gov Representative Alvin Holmes (D) – District 78 P.O. Box 6064 Montgomery, AL 36106 Phone: 334-242-7706

Representative Steve Hurst (R) – District 35 155 Quail Run Road Munford, AL 36268 Phone: 334-353-9215 steve.hurst@alhouse.gov Representative Reed Ingram (R) – District 75 2900 Eastern Boulevard Montgomery, AL 36116 Phone: 334-242-7707 reedingram75@gmail.com Representative Thomas Jackson (D) – District 68 P.O. Box 636 Thomasville, AL 36784 Phone: 334-242-7738 thomas.jackson@alhouse.gov Representative Ken Johnson (R) – District 7 12001 Alabama Highway 157, Suite 6 Moulton, AL 35650 Phone: 334-242-7754 ken.johnson@alhouse.gov Representative Ronald Johnson (R) - District 33 3770 Sylacauga-Fayette Highway Sylacauga, AL 35151 Phone: 334-242-7777 ronald.johnson@alhouse.gov Representative Mike Jones, Jr. (R) – District 92 P.O. Box 957 Andalusia, AL 36420 Phone: 334-242-7739 mljatty@andycable.com Representative John Knight (D) – District 77 P.O. Box 6300 Montgomery, AL 36106 Phone: 334-242-7512 john.knight@alhouse.gov Representative Kelvin Lawrence (D) – District 69 50 Miller Circle Hayneville, AL 36040 Phone: 334-242-7711 kelvinj73@gmail.com Representative Nathaniel Ledbetter (R) – District 24 2801 County Road 180 Rainsville, AL 35986 Phone: 334-242-7492 nathaniel.ledbetter@alhouse.gov Representative Paul Lee (R) – District 86 304 Ashborough Circle Dothan, AL 36301 Phone: 334-242-7675 pwlee@graceba.net Representative Richard Lindsey (D) – District 39 14160 County Road 22 Centre, AL 35960 Phone: 334-242-7713 richard.lindsey@alhouse.gov

Representative Joe Lovvorn (R) – District 79 11 South Union Street, 5th Floor Montgomery, AL 36130 Phone: 334-242-7600 joe.lovvorn@alhouse.gov

Representative Arnold Mooney (R) – District 43 P.O. Box 382466 Birmingham, AL 35238 Phone: 334-242-7744 arnold.mooney@alhouse.gov

Representative Dimitri G. Polizos (R) – District 74 206 Pierce Street Montgomery, AL 36109 Phone: 334-242-7469 dimitri.polizos@alhouse.gov

Representative Jimmy Martin (R) – District 42 P.O. Box 86 Clanton, AL 35046 Phone: 334-242-7139 jimmy.martin@alhouse.gov

Representative Barry Moore (R) – District 91 139 Club Way Enterprise, AL 36330 Phone: 334-242-7773 barry@barrymooreindustries.com

Representative Bill Poole (R) – District 63 1905 7th Street Tuscaloosa, AL 35401 Phone: 334-242-7624 bill.poole@alhouse.gov

Representative Artis “A.J.” McCampbell (D) – District 71 P.O. Box 1469 Livingston, AL 35470 Phone: 334-242-7747 artis.mccampbell@alhouse.gov

Representative Mary Ann Moore (D) – District 59 1622 36th Avenue North Birmingham, AL 35207 Phone: 334-242-7608 mamoor48@bellsouth.net

Representative Chris Pringle (R) – District 101 4 Princess Anne Road Mobile, AL 36608 Phone: 334-242-7589 chrispringle@southerntimberlands.com

Representative Johnny Mack Morrow (R) – District 18 1895 Highway 28 Red Bay, AL 35582 Phone: 334-242-7698 johnnymack.morrow@alhouse.gov

Representative Kerry Rich (R) – District 26 412-A Gunter Avenue Guntersville, AL 35976 Phone: 334-242-7538 kerryrich@mclo.org

Representative Thad McClammy (D) – District 76 858 West South Boulevard Montgomery, AL 36105 Phone: 334-242-7780 thadmcclammy@aol.com Speaker of the House Mac McCutcheon (R) – District 25 726 Madison Street Huntsville, AL 35801 Phone: 334-242-7668 mac.mccutcheon@speaker.alhouse.gov Representative Steve McMillan (R) – District 95 P.O. Box 776 Bay Minnette, AL 36507 Phone: 334-242-7723 bcld07@gmail.com Representative Mike Millican (R) – District 17 995 Country Estates Drive Hamilton, AL 35570 Phone: 334-242-7534 mike.millican@alhouse.gov

Representative Becky Nordgren (R) – District 29 101 Cook Street Gadsden, AL 35904 Phone: 334-353-9032 rebeccasnordgren@gmail.com Representative Jim Patterson (R) – District 21 P.O. Box 286 Meridianville, AL 35759 Phone: 334-242-7531 jimpattersonhd21@gmail.com Representative Phillip Pettus (R) – District 1 771 County Road 144 Killen, AL 35645 Phone: 334-242-7511 phillip.pettus@alhouse.gov

Representative John Rogers, Jr. (D) – District 52 1424 18th Street, SW Birmingham, AL 35211 Phone: 334-242-7761 jwrogers@uab.edu Representative Connie Rowe (R) – District 13 P.O. Box 4 Jasper, AL 35502 Phone: 334-242-7595 connie.rowe@alhouse.gov Representative Howard Sanderford (R) – District 20 P.O. Box 16023 Huntsville, AL 35802 Phone: 334-242-4368 hs1989@aol.com

2017 Issue 1 | Alabama Independent

Representative Roderick (Rod) Scott (D) – District 55 P.O. Box 253 Fairfield, AL 35064 Phone: 334-242-7752 rodhscott@gmail.com Representative Chris Sells (R) – District 90 1609 East Commerce Street Greenville, AL 36037 Phone: 334-242-7768 csea@centurytel.net Representative David Sessions (R) – District 105 13000 Hugh Fort Road Grand Bay, AL 36541 Phone: 334-242-0947 d.r.sessions@att.net Representative Randall Shedd (R) – District 11 1461 Welcome Road Cullman, AL 35058 Phone: 334-242-7330 randall.shedd@alhouse.gov Representative Harry Shiver (R) – District 64 55550 State Hwy 59 N Stockton, AL 36579 Phone: 334-242-7745 harryshiver@aol.com Representative Kyle South (R) – District 16 213 2nd Avenue NE Fayette, AL 35555 Phone: 334-242-7682 ksouth@watvc.com Representative David Standridge (R) – District 34 P.O. Box 76 Hayden, AL 35079 Phone: 334-242-7475 david.standridge@alhouse.gov

Representative Patricia Todd (D) – District 54 1320 58th Street South Birmingham, AL 35222 Phone: 334-242-7718 reptodd@gmail.com

Representative Ritchie Whorton (R) – District 22 100 East Peachtree Street Scottsboro, AL 35768 Phone: 334-242-7753 ritchiewhorton@gmail.com

Representative Allen Treadaway (R) – District 51 P.O. Box 126 Morris, AL 35116 Phone: 334-242-7685 bsketa@aol.com

Representative Margie Wilcox (R) – District 104 2101 Marchfield Drive East Mobile, AL 36693 Phone: 334-242-7546 margie.wilcox@alhouse.gov

Representative Mark Tuggle (R) – District 81 110 Calhoun Street, Suite 108 Alexander, AL 35010 Phone: 334-242-7219 tughd81@gmail.com

Representative Jack D. Williams (R) – District 47 2501 Glendmere Place Birmingham, AL 35216 Phone: 334-242-7779 jack@jackwilliams.org

Representative Tim Wadsworth (R) – District 14 1175 Helicon Road Arley, AL 35541 Phone: 334-242-7554 wadsworth@centurytel.net

Representative Jack W. Williams (R) – District 102 10655-F Mason Ferry Road Wilmer, AL 36587 Phone: 334-242-7694 jackwilliams55@icloud.com

Representative Pebblin Warren (D) – District 82 P.O. Box 1328 Tuskegee Institute, AL 36087 Phone: 334-242-7734 tiger9127@bellsouth.net

Representative Phil Williams (R) – District 6 2185 Old Monrovia Road Huntsville, AL 35806 Phone: 334-242-7704 philhouse44@gmail.com

Representative April Weaver (R) – District 49 P.O. Box 1349 Alabaster, AL 35007 Phone: 334-242-7731 april.weaver@alhouse.gov

Representative Rich Wingo (R) – District 62 700 Montgomery Hwy, Suite 186 Birmingham, AL 35216 Phone: 334-242-7681 rich@blackwaterresources.com

Representative Isaac Whorton (R) – District 38 4309 20th Avenue Valley, AL 36854 Phone: 334-242-7735 isaacwhorton@charter.net

Representative Randy Wood (R) – District 36 P.O. Box 4432 Anniston, AL 36204 Phone: 334-242-7700 rwoodsr36@cableone.net

*The seat for District 58 is vacant due to the retirement of Rep. Oliver Robinson. *The seat for District 67 is vacant after Rep. Darrio Melton’s election as mayor of Selma.

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Alabama Independent | 2017 Issue 1

Elba, Alabama

Thanks to our 2016 Big I PAC Contributors AIIA would like to thank all of our members who contributed to the Big I PAC in 2016. Your generous contributions to our state political action committee assist our legislative efforts in trying to keep Alabama’s government and judicial bodies filled with fair-minded, pro-business candidates. As you know, AIIA supports different election campaigns each year that help us with favorable legislation. Thanks to the efforts of your contributions, your support of the Big I PAC Golf Tournament and your votes at the polls, we are a living testament to how well grassroots efforts can bring about change. Contact us if you have any questions on how you can contribute to the Big I PAC!

1st Alabama Insurance

Horton’s Insurance Agency

Roger Parker & Associates, Inc.

Alabama Insurance Exchange, Inc.

Hull & Associates, Inc.

The Roux Company LLC

Allison Agency, Inc.

Insurance Center of Southeast

Rux Carter Insurance

Altasurance

The Insurance Network, Inc.

Salter Insurance Agency

Anchor Pardue Insurance, Inc.

InsureSouth, Inc.

Sam Newton Insurance Agency

Associated Insurors

Jim Murphree Insurance Agency

Sanbuck Inc.

Bates, Roberts, Fowlkes & Jackson

John A. Robertson Insurance Agency

Schrader-Broughton, Inc.

The Baxter Agency

J.R. Prewitt & Associates, Inc.

Schutz Insurance Agency

Best Insurance Agency

J. Smith Lanier Insurance & Co.

Shaw Insurance Agency

Blackbelt Insurors, Inc.

Kerry Wilson Insurance Agency

Sinclair Lawrence & Associates

Blackmon Insurance Agency

Lacy Grice Insurance Agency

Solomon Insurance

Briggs Insurance Agency

Lemon Mohler Insurance Agency

Southern Alabama Insurance, LLC

Bristol Haughton Insurance

Liveoak Agency, Inc.

South Shore Insurance Agency

Byars|Wright, Inc.

Mailon Kent Insurance Agency

Starke Agency, Inc.

CIS Financial Services

Marengo Insurance Agency

Stead & Fuller Insurance Inc.

Crutchfield & Graves Insurance Agency

McGriff, Seibels and Williams, Inc.

Stephen A. Davis Insurance, Inc.

Commercial & Marine, LLC

Mikos/Kampakis Insurance Services

Sun Coast Insurance Group

Conour Insurance, Inc.

Milstead Insurance Agency, Inc.

Thames Batré, Ltd.

Cousins Insurance Agency, Inc.

M.J. Carter & Company, Inc.

THI Insurance, Inc.

Cullifer & Associates

MWA Insurance Holdings, Inc. dba

Thomas, Harrison & Associates

Dark Insurance Agency

Insurance Place

Thompson Insurance, Inc.

Davis & Davis Insurance

The Myrick Agency

The Turner Agency, Inc.

Deas Insurance Agency

The Norwood Agency

The Upton Group, LLC

Dormon & Reynolds Insurance, Inc.

O.M. Hughes Insurance Agency

University Agency

Elliot & Associates Insurance

Palomar Insurance Corporation

Vintson Insurance Agency

Fountain Parker Harbager & Associates

Parnell Insurance Agency

West Insurance Agency

Fowlkes & McPherson

Paul Carter Agency

The Whitecotton Agency, LLC

Freedom Insurance Agency

PCA Insurance

Whitehaven Insurance Services

Galactic Insurance Services

Peck-Glasgow Agency, Inc.

Wiggins Insurance, LLC

Harmon Dennis Bradshaw, Inc.

Pelican Insurance Agency

The Witherington Insurance Group

Headland Insurance Agency

Pritchett-Moore, Inc.

Woodall & Hoggle Insurance Agency

Hicks & Associates, Inc.

Ragland Agency, Inc.

Wright-Sprayberry Insurance, LLC

Holloway & Hunt Insurance, LLC

Red Leach & Sons Insurance

Your Insurance Center, Inc.

Holman Insurance Agency, Inc.

Robinson Group, LLC

Holt Insurance Agency

Roger Henry Insurance, LLC 2017 Issue 1 | Alabama Independent

1 2 1 st A n n ua l AI I A C o nv e nt io n & Tr a d e S h o w June 7-9, 2017 Hilton Sandestin Beach Golf Resort & Spa Destin, Florida

“Get Involved: Put Your Time Where Your Heart Is” Schedule of Events

Tuesday, June 6 3:00p – 5:00p

Registration Desk Open

Wednesday, June 7 8:00a – 5:00p 8:30a – 10:30a 5:00p – 7:00p 6:00p – 10:00p

Registration Desk Open Board of Directors Meeting with Continental Breakfast Exhibitor Set Up (weather permitting) Welcome Reception/Dinner Pool Party with Live Entertainment

Thursday, June 8 7:00a – 1:30p 7:00a – 8:30a 8:30a – 10:30a 10:45a – 12:45p 12:45p 12:45p – 2:00p Evening

3:00p

Friday, June 9 8:00a – 12:00n 8:30a – 11:30p

11:30a 1:00p – 6:30p –

5:00p 10:30p

Registration Desk Open Exhibitor Set Up Trade Show with Continental Breakfast “Insurance is a Marathon: How to Stay Fired Up, Pumped Up, and Inspired” – with Matt Jones Free Afternoon and Get together on the Beach Volleyball Court available Exhibitor Break Down Corn Hole Tournament Dinner On Your Own

Registration Desk Open Breakfast Buffet and… 9:30a Annual Business Meeting, Election, and Installations 10:15a Vaughn Graham, IIABA Chair-Elect 10:30a Recognitions and Awards Lunch on Your Own Get together on the Beach – Playoffs for Corn Hole Tournament Closing Reception & Seated Dinner Presentation Insuror of the Year - Transition of Leadership Entertainment: Tim Cavanagh, Comedian & Draw Down

Matt Jones

Vaughn Graham

Saturday, June 10 THANKS FOR COMING! SEE YOU NEXT YEAR

June 24 - 26, 2018 – The Grand at Point Clear Dress Code is Resort Casual. MEN: Jacket optional, casual pants (khakis) with collared or golf shirt LADIES: Casual or sundresses, casual pants/skirt w/ blouse/sweater NOTE: Wednesday Night Pool Party: Casual Beachwear Friday Night Closing Banquet: Coat & Tie for Gentlemen (Black Tie optional) Sunday Dress or After-Five for Ladies (Cocktail Dress Optional)

Babysitters at the Beach (850) 259-7909 www.babysittersatthebeach.com

Alabama Independent | 2017 Issue 1

Tim Cavanagh

CONVENTION REGISTRATION Alabama Independent Insurance Agents 121st ANNUAL CONVENTION & TRADE SHOW June 7-9, 2017 Hotel Reservations MADE DIRECTLY with Hilton Sandestin Beach Group Reservations CODE: AII Reservation: Phone: 800-367-1271 Fax: 850-267-3076 Book Hotel online: www.sandestinbeachhilton.com COMPLETE ONE (1) REGISTRATION PER INDIVIDUAL OR FAMILY Agency/Company Name:_______________________________________________Phone:__________________________ Address:________________________________________________E-mail:______________________________________ Street/PO Box

City/State/Zip

Name:_____________________________________________________________Designations:______________________ BOGO Name:_______________________________________________________Designations:____________________ Spouse/Guest Name:__________________________________________________________ First Time: __Y __N Name/s & Age/s of Children:___________________________________________________ Exhibitor: __Y __N Sponsor: __Y __N Full registrations include ALL events and scheduled meals. AGENT ____Agency Member ____BOGO – (Additional Licensed Agency Member) ____1st Timer, Young Agent, Retired Agency Member ____Spouse/Guest of Agency Mbr (Cannot be licensed agent or company representative) ____Non-Member Agent Children 15 – 17

Fee per person $250 $______ $ -0- $_-0-__ $210 $______ $100 $______ $270 $______ $ 75 $______

ASSOCIATES/COMPANIES/ EXHIBITORS/SPONSORS ____ Associate Member/Exhibitor/Sponsor ____Spouse/Guest of Associate Member

Fee per person $269 $______ $160 $______

____Non-Member Company Representative (Not Exhibiting or Sponsoring) ____Additional Exhibitor Representative – TRADE SHOW ONLY

$469 $______ $150 $______

(Cannot be a licensed agent or company representative)

Children 15-17 CHILDREN’S SCHEDULED PROGRAMS

$ 75 $_____

BOGO For Member Agency: Register 1st agent Send nd

2 licensed agent from same agency For NO registration fee. Use downloaded Registration Form to register.

For Children 5 – 14 years of age There is no registration fee. Parents registered for the convention are asked to utilize the Hilton Children’s Programs. (Ages 5-12) Please provide receipt or copy of hotel bill showing charge(s) to Irene or Nancy - AIIA will reimburse up to a total of $100. You may choose from time table listed below for your $100 credit. o Wednesday, June 7 6:00p – 10:00p o Thursday, June 8 9:30a – 1:30p o Friday, June 9 6:00p – 10:00p The Hilton Sandestin has a recreation center on ground floor of the hotel. See hotel children’s activities. Hilton recommended Babysitters at the Beach (850) 259-7909 www.babysittersatthebeach.com Call sitting services EARLY before convention for reservations.

TOTAL AMOUNT DUE:

$__________

VISA/MasterCard/Amex Card#_______________________________________Exp Date:__________ Name on Card:_________________________________________________________________________ Checks Payable & Registrations mailed to: AIIA/141 London Pkwy/Birmingham/AL/35211 REFUND POLICY: Request in writing. Cancellation processing fee: $50. NO REFUNDS after May 8th, 2017. Questions? Contact Nancy Crowe (ncrowe@aiia.org) Phone: (205) 326-4129, Ext. 103 Fax: (205) 326-3086

REGISTRATION FORMS AVAILABLE ON-LINE AT www.aiia.org AIIA Convention is located at Hilton Sandestin Beach Golf Resort & Spa, Destin, Florida

HOUSING REQUEST FORM

ALABAMA INDEPENDENT INSURANCE AGENTS

121th ANNUAL CONVENTION & TRADE SHOW

Wednesday, June 7, 2017

– Friday, June 9, 2017 (check out Saturday)

Name: _________________________________________ Number in Party: Adults: ______ Children: _______ Company Name: _______________________________________ Business Phone: ______________________ Address: ___________________________________________ Email:_________________________________ City:_______________________________________________ State:__________ Zip:___________________ Sharing with:_______________________________________________________________________________ Arrival Day/Date:______________________________ CHECK IN TIME IS:

4:00 P.M.

Departure Day/Date:_____________________ CHECK OUT TIME IS: 11:00 A.M.

Hotel Reservations are to be MADE DIRECTLY with the Hilton Sandestin Beach Group Reservations. DEPOSIT: One night room deposit is required with each reservation. To insure your accommodations, reservations MUST be made by: MONDAY, May 8, 2017 (If Block of Rooms Is Still Available.) After May 8, 2017 rooms will be sold on a space-available basis and may have rate increase. PHONE: 800-367-1271 FAX: 850-267-3076 ONLINE: www.sandestinbeachhilton.com GROUP CODE: AII Mail to: Hilton Sandestin Beach Resort, 4000 Sandestin Blvd. South, Miramar Beach FL 32550 Attention: Group Reservations Deposit enclosed:___________________________ OR Bank card type: VISA, MC, Amex, Discover, etc.: _____________________________________ Credit Card No.:_____________________________________ Exp. Date:________ Signature:__________________________ ROOM SPA TOWER ACCOMMODATIONS PARTIAL VIEW BEACH VIEW LANAI AMBASSADOR SUITE PRESIDENTIAL SUITE EMERALD TOWER ACCOMMODATIONS PARTIAL VIEW BEACH VIEW LANAI DELUXE FAMILY SUITE DELUXE BEACH FRONT

RATE $299.00 $319.00 $449.00 $499.00 $1090.00 $309.00 $329.00 $450.00 $490.00 $490.00

A limited number of each guestroom type is available. Make your reservation now for a better selection of guestroom inventory Above quoted rates are for single/double occupancy. For each additional adult there will be a $20.00 charge. (No charge for children staying with parents.) Guest room rates are subject to applicable taxes in effect at the time of check in. Early departure fee: One night’s room & tax for check-out prior to confirmed departure date. Please confirm departure date upon check-in. $10 Resort Fee includes: Self-Parking fee, Upgraded Guest room WI-FI, Local and 800 calls, 24 Hour access to Resort Fitness Center, Resort Tram Service, Discounted Bicycle Rental. Discounted rate extended for (2) days prior and (2) days after program dates, up to 80% of Hotel occupancy. Complimentary internet service in guest rooms and in lobby lounge area included. $20 Valet Parking is available. Questions: call Nancy Crowe (205) 326-4129 Ext 103 or email ncrowe@aiia.org

How to Effectively Manage

Multiple Generations in the Workplace

By Jennie Hollmann, Ph.D., Director Organizational Research, Caliper and Genevieve Carlton, Account Consultant, Caliper

Are you Gen X? Gen Y? Baby boomer? Generation Next? Does it matter at work? When do our differences enhance communication and productivity and when can those differences get in the way? Communication dynamics can be either a source of conflict or can lead to cooperation, collaboration and a more balanced team. For leaders, the differences that intergenerational teams bring to the workplace can be an asset in creating a varied idea exchange as well as a source of innovation.

The Power of Five Never before have five generations been represented in the labor force. From traditionalists born before 1945 to linkers born after 1995 and just beginning to enter the workforce, we are at a unique period of time in the workforce. For those who touch talent management, the opportunities and challenges appear to be many. There is a lot of noise out there in terms of comments and stereotypes held by, and of, those in each generation. Stereotypes may be generational specific - those baby boomers are self-absorbed, Gen Y act entitled - or understanding of differences, but question why it matters: Doesn’t everyone want the same thing anyway? While there are generational differences in both overall attitudes and experiences, the Center for Creative Leadership found that most of us have similar core values, want to be challenged at work, and have a leader we can trust. We may express ourselves differently and have preferences of how we want to communicate and be managed. According to a recent Lee Hecht Harrison survey, 60% of employers report experiencing intergenerational conflict of some kind. Let’s keep in mind that the impact of intergenerational communication and conflict spans beyond HR. Organizations that successfully manage conflict embrace the differences, accommodate.

2017 Issue 1 | Alabama Independent

differences, and tend to respect what people from different generations bring to the workforce. Success stems from understanding the strengths and differences each generation offers and in turn leveraging the strengths and creating a work environment that values those differences. The economy and growth of technology mediate the impact of generations moving in and out of the workforce. As the baby boomers retire, Gen X and Yers will be poised for career opportunities. However, the impact of the current economic conditions is leading to prolonged retirement age. The growth and speed of technology change contin ues to impact how we communicate and learn in the workforce. The younger generations have been referred to as “technology natives.” Obviously, the differences between generations impact recruiting: one size does not fit all when it comes to attracting talent! An awareness of generational differences can help companies target their recruiting strategies, especially in regard to identifying which media is most effective for delivering information to the appropriate candidates. For example, while Baby Boomers are the most diverse media users, they are not likely to create blogs and download videos. Also, although they are very

Come Grow with Us!

internet savvy, Boomers still often read the newspaper in its traditional form. In contrast, Genera tion X reads newspapers online and is also the generation most likely to use the internet to research job opportunities. They tend to focus on the quality of a company’s website and are more likely to listen to the radio than other generations. When recruiting Generation Y, employers should know that the best way to reach them is through technology and their peers, who are best suited to answer their questions and understand their viewpoint. They tend to be comfortable with all forms of online media, including podcasts, blogs and instant messaging, and are the only generation who prefers to communicate through cell phone texts rather than via email. By using an awareness of generational com munication styles and targeting their outreach to candidates through their preferred media, companies can make the best use of their recruiting dollars! The HR executive can use this infor mation to resolve conflicts, support team development, head off the influence of stereotypes, and support, develop and retain a diverse workforce. Remember, “generations are not competitors for life’s satisfac tions; they are partners in the search for well-being.” (Harold L. Sheppard, University of South Florida)

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Alabama Independent | 2017 Issue 1

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C.D. Denson, CIC Chair Report

The Young Agents of Alabama are involved in so many different aspects of our great association and every year we are striving to do more and bring more value to all agents that are members of the association. From putting on a Legislative Conference every year in Montgomery to running a very well-attended and highly regarded Young Agents Conference there are so many areas for people to get involved. I did not even mention the Excalibur Clay Shoot which will be April 21, 2017, again at Selwood Farms. As I look back on 2016 without a doubt it was our best year to date, but there are still so many opportunities out there that we can do as Young Agents and as an association. For one, I know we can improve on all the events, which we are already putting on by getting more creative and thinking outside the box. The question we always need to ask ourselves is how we can bring the most value to the most agent members and that is what Young Agents of Alabama is doing. Our Young Agents team is in a transitional phase with regards to the leadership of our group. Our leaders who rejuvenated the Young Agents almost a decade ago have done an excellent job of getting new leaders involved to take over and lead us in to the future. We have a wave of new energy in our group and I am excited to see where they take us because the sky is the limit for them. As most of you reading this know, last year we did not give out the Young Agent of the Year Award (the award that goes to the Young Agent that contributes and works the hardest for Young Agents in the year). This is a very prestigious award and I challenge everyone reading this to work their tail off to EARN the award this year. 2017 is going to be another banner year for Young Agents of Alabama.

Alabama Independent | 2017 Issue 1

2017 Issue 1 | Alabama Independent

inability to find replacements at a fast enough rate shows the looming talent crisis in the insurance industry. Communicating with and attracting the younger generations adds to the challenge of adding new talent to the insurance industry.

THE NEXT GENERATION OF

INSURANCE TALENT? By Dr. Ed Duett, Professor at Troy University, Risk Management Insurance

Often the risk management and insurance (RMI) industry is considered being at a crossroads as the majority of underwriters, adjusters, and sales agents are well past the age of 40. The baby boom generation continues to have thousands reaching retirement age daily. Tens of thousands of new hires will be needed annually to fill new jobs and replace retirees. How can such a large amount of new talent be attracted to the insurance industry? Good question. As the economy continues to recover and the unemployment rate declines, the discussion on creating jobs in the United States continues. However, the insurance industry does not need to create jobs, but attract young talent to positions currently available. Studies and surveys show a significant immediate and future need for new talent in the insurance industry. The insurance industry currently has an unemployment rate of slightly over two percent, less than half the unemployment rate for the overall economy. Unfortunately, most high school students and even college graduates are unaware of the variety of careers in the RMI Industry. The common view is that jobs in insurance primarily consist of sales. While there are a large number of jobs in sales, and successful insurance sales people do well financially, most people outside the RMI industry are unaware of jobs in underwriting, claims, customer support and much more. Obviously one task is simply informing the younger generations of the outstanding opportunities available in the insurance industry. Additionally, the baby boom generation of insurance must find ways to attract the younger generation of millennials. The insurance industry contributes more than $420 billion to the country’s gross domestic product and employs more than 2.4 million people. As with many industries, the growth in workers aged 16 to 44 is lagging the growth in the number of workers aged 45 and older. The growing number of retirees and the 30

Alabama Independent | 2017 Issue 1

A 2016 survey administered by Great Insurance Jobs shows companies in their survey had significant number of job openings in most all areas of RMI. The 73 companies in their survey were from the property/casualty, life and health segments of the industry, and included both agencies and brokerages. In total, the 73 responding companies reported 11,123 current job openings. Approximately 91 percent of the companies surveyed had current openings and an immediate need to hire. Combine the large number of openings with the additional 12,880 jobs forecast to come open in the last three quarters of 2016 and you see a very strong demand for new talent in the RMI industry and great opportunities for job seekers. The top five jobs in the Risk Management and Insurance industry in heavy demand as reported by the survey are: • Insurance sales • Customer Service • Claims adjusters • IT • Underwriters A complementary study from February, 2016 by The Jacobsen Group shows similar results as 66.3% of companies plan to increase staff during the next 12 months. Although the potential of baby boomers retiring contributes to the need for new talent, over 70 percent of the companies surveyed also cite an expected increase in revenue as a strong reason to hire. The combination of an increasing number of retirees, an optimistic business forecast and lack of knowledge of careers in the RMI industry paints a picture of immediate need in attracting millennials and others to the RMI work force. Obviously, the aging baby boom generation is creating issues with most all industries as an additional 10,000 baby boomers become eligible for retirement daily, but the insurance industry is heavily impacted. A report by McKinsey and Company predicts that the insurance industry will lose 25 percent of its workforce by 2018 and the average age of the insurance worker is 59 years old. The supply of workers – especially talented workers with a passion for risk management and insurance – remains a critical issue for insurers of all sizes in all economies. The human capital attraction and retention challenge is becoming acute. We must continue to find ways to inform and educate the younger generations of the outstanding opportunities awaiting them in the risk management and insurance industry.

Nominate the National Winner and Receive a $1,000 cash award! Nominations are now being accepted in all 50 states, Puerto Rico, and the Virgin Islands for the 2017 National Outstanding CSR of the Year. This award is the highest honor for insurance customer service representatives who have distinguished themselves through contributions to their industry and profession. Open to everyone regardless of affiliation or professional designation, candidates must: • Be an insurance customer service representative, or have primary responsibility for customer service duties. • Write an essay of no more than two pages double-spaced (approximately 1,000 words) on the following topic: “A friend who is a CSR has come to you for advice about a new customer service job opportunity in an agency in another city. What five factors about the employer and the position would you advise them to consider before accepting the job? Please discuss the most important factor first.” • Submit letter(s) of recommendation from a professional reference(s). To make your nomination, please complete this form and email, mail, or fax it today so your nominee may be contacted. NOTE: You may nominate yourself. All essay entries become property of The National Alliance, inclusive of permission to reprint. Deadline for all materials (including essay) is May 1, 2017. What are the rewards of winning? Nominees will first compete on a state level. State winners will automatically be entered into the national competition. State Winners Will Receive— • Framed Certificate of Achievement • State recognition • Advancement to national competition

N O M I N ATI O N F O RM * Please print or type. My Nominee’s name is

Nominee’s designations (if any) Years of experience Position Agency/Company

Address City, State, Zip Telephone (

)

Fax

)

(

Nominator Information* * You may nominate yourself. Your Name Address City, State, Zip Telephone (

)

Fax

)

(

Four National Finalists Will Receive— • $500 cash award • National recognition • Gold and garnet pin

Please DO DO NOT mention my name when corresponding with the nominee.

National Award Recipient Will Receive— • $2,000 cash award • Gold and diamond pin • Employer receives a scholarship to a National Alliance program • Nominator receives a $1,000 cash award

Return this form to: Alabama IIA, Inc. 141 London Parkway Birmingham, AL 35211 Ph: 205-326-4129 • Fax: 205-326-3086 Email: tunderwood@aiia.org

The Outstanding CSR of the Year Award is sponsored by The National Alliance for Insurance Education & Research. 2587-0117 AL

2017 Issue 1 | Alabama Independent

TORNADOES, HURRICANES AND FIRES… OH MY! 2016 A Rough Year For The Southeast

It is fair to say 2016 was the year of the catastrophe in the Southeast. Tornadoes, drought, floods, hurricanes, and wildfires impacted virtually every state in the region. For the insurance industry, these events made for a very busy year, but experts say they will have little long-term impact on the Southeast and its underwriting results. The year started off with multiple tornadoes rolling across Alabama, Florida and Mississippi in February; severe flooding occurred in Mississippi in March, followed by damaging hail and wind storms. In June, West Virginia was also hit by severe flood that destroyed at least 1,500 homes, damaged 4,000 others, caused $36 million in damage to roads, and killed at least 23 people. September and October saw the first major hurricanes to affect Florida in 11 years – Hurricane Hermine and Hurricane Matthew – which caused extensive property damage and flooding. The storms also impacted policyholders in Georgia, South Carolina and North Carolina. Major rainfall in North Carolina from Hurricane Matthew led to severe flooding and damage to more than 78,000 homes and residential structures, and caused 28 deaths. About 30,000 businesses in the state were affected by the floods and crop losses totaled more than $400 million. The state estimated the economic damage because of business interruption losses at $2 billion. 32

Alabama Independent | 2017 Issue 1

Property/casualty insurer claim payouts from Matthew totaled more than $800 million in Florida alone, according to the Florida Office of Insurance Regulation. Swiss Re pegged the total U.S. insured losses from Hurricane Matthew at $4 billion. Meanwhile, what seemed to be a never-ending drought plagued most of the Southeast region throughout the year. Conditions were particularly dry in Georgia, Alabama and Tennessee, as well as in western North and South Carolina. The lack of rain wreaked havoc on the region’s agricultural industries while at the same time created the perfect conditions for inferno-like wildfires in Alabama, the Carolina’s and Tennessee. One such wildfire that began in Tennessee’s Great Smoky Mountains ripped through the tourist town of Gatlinburg, home of Dolly Parton’s Dollywood, on Nov. 28. The fire killed 14 people and caused at least $500 million in damage. The year finished off its major Southeast catastrophes with about 20 tornadoes in Alabama at the end of November.

“It has been a tough year for the Southeast,” said Bill Gatewood, corporate vice president and director, Personal Insurance, for Burns & Wilcox in Farmington Hills, Mich. While the region is no stranger to facing extreme weather events, the frequency and severity with which they occurred in 2016 was unusual, insurance experts say. In particular, the wildfires that occurred in the latter part of the year are not a common occurrence in the area, and some questioned if state’s like Tennessee are prepared to handle them. “As bad as hurricanes can be they are predictable, you see them coming and you know if you are in the path. With wildfires you don’t get the same level of predictability,” said Gatewood. “The wind can shift and the fire goes in another direction. They are more unpredictable and catch people off guard.” Barry L. Whitton, managing director of Burns & Wilcox Brokerage in Atlanta, said the area has been spared from devastating events like fire and hurricanes in recent years, causing many residents to become complacent.

Flood water surrounds the intersection of U.S. 70 and N.C. 258 in Kinston, N.C., on Sunday, Oct. 16, 2016, as the Neuse River remains flooded following Hurricane Matthew. State officials estimate the flooding has caused $1.5 billion in damage to 100,000 homes, businesses and government buildings. (Zach Frailey/The Free Press via AP) “In our area hurricanes are the predominant cat loss we see and we just haven’t had those events for a number of years,” he said. “Wildfires are something we see on the news happening in the West – we don’t have that significant issue here… we are not set to handle those types of things as much as the western states.” Bill Sager, executive vice president of the Alabama Independent Insurance Agents Association, agrees. “My guess is there probably hasn’t been as much conversation for wildfire awareness as tornado or hurricane awareness. I would not think there would have been the same level of concern about [fires] as there has been about the other [catastrophes],” Sager said. The insurance industry, however, was prepared to pay the losses from Southeast claims related to these events. Despite North America being hit by more natural disasters in 2016 than any year since 1980, with overall losses totaling $10.2 billion, according to Munich Re, the experts said there will be little effect on the Southeast insurance market. “In the big picture, there is so much surplus capital in the industry right now that Hurricane Matthew and wildfires are in the normal course of losses and won’t have a significant impact on the industry,” said Gatewood. “We are at a place where there is so much excess

capital it would take a significant number of catastrophes to really impact pricing.”

“You always learn from something every time you go through it,” Dubisky said.

Russ Dubisky, executive director of the South Carolina Insurance Association, said the claims activity was certainly busier than in years past with more activity “in the last three months than in the last three years on average.”

Gatewood said many of the wildfires happened in rural areas where people have second homes that were either underinsured or uninsured. The wildfires are a lesson for many residents in the region to make sure they have adequate coverage.

“I wouldn’t say that it’s typical but I remind folks that in a state like South Carolina we are susceptible to every natural disaster known to man with the exception of volcanoes,” Dubisky said. He added, though, that none of these events will change the soft market. “It’s a buyer’s market, if you will. It’s very competitive out there.” In the immediate aftermath of each event, the industry did everything it could do to respond quickly and efficiently to its affected customers, he said. “Almost every disaster we have seen the [state] Department of Insurance was very quick to authorize the use of temporary adjusters in the state and many companies took advantage of that and brought in additional adjusters to get claims handled as quickly as possible,” Dubisky said. “The response was basically immediate from the insurance industry.” That being said, each event offers the industry a chance do better next time.

“This is a good opportunity to remind people that having proper insurance is important – especially for cat losses like this. This is really what insurance is for… it is here to protect you in the event you lose everything,” he said. Whitton said these disasters also offer an opportunity for agents to really partner with their clients. “We need to hold our clients hand and make sure they know what’s going on and reach out to customers. [Agents] need to be readily available to assist them,” he said. Sager said the events like wildfires could bring a new awareness from municipalities on the importance of preparation to reduce or eliminate the amount of damage. “That awareness is a good thing,” he said. Sager said that although he doesn’t expect any drastic changes on the underwriting side, he believes carriers 2017 Issue 1 | Alabama Independent

will likely step back and take a look at their books of business and underwriting guidelines in the region. He hopes that will be in a positive format of “how do we minimize these things if they happen again?” To that end, Southeast agents should remain vigilant when it comes to working with their carriers. “We encourage our members to stay engaged with their carriers and stay informed, if they can, on what changes they are considering,” he said. “Be in touch and know what is happening on the carrier side so you can work together to put business on the books.” This article has been reprinted with permission from Wells Media Group Inc., publisher of Insurance Journal. Copyright 2017 Insurance Journal.

Flood Your Association Flood Your Association With With Support! Please consider supporting your association by placing at least some of your flood business with the Big “I” Flood program and Selective each year. You don’t have to move your whole book - just part of it! In doing so you help fund IIABA’s advocacy efforts while enjoying superior service from Selective.

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Alabama Independent | 2017 Issue 1

YOUR CUSTOMERS. OUR PROMISE. FCCI Insurance Group has been insuring businesses and doing what we say we’ll do for more than 57 years. We partner with our agents to provide expertise in underwriting, risk management and claims handling that help businesses thrive and face the future with confidence. Trey Stone, CIC Managing Director, Underwriting Alabama Branch Office

Run this marathon with Swiss Re Corporate SoluƟons “Steady wins the race” in life and in the cyclical insurance business. So when the “sprinters” jump in with what looks like a lower price, steady the course and consider the history of the Swiss Re Corporate SoluƟons E&O program with IIABA. Your hard-earned assets and reputaƟon demand the proven E&O protecƟon we’ve been wriƟng since the 1960’s. Consistent through market cycles and the endorsed carrier of the IIABA for over 25 years, our program stands as the benchmark for the industry. POLICY HIGHLIGHTS: Dedicated In-House Claims Team Created by and for Independent Insurance Agencies DeducƟble ReducƟon Feature Defense Costs “Outside the Limit” Limits available up to $25,000,000 Access to Exclusive Risk Management Resources To learn more about the newest policy enhancements or to get a premium indicaƟon, contact Carol Hunt at hunt@aiia.org. Coverage is subject to the terms, conditions, and exclusions of the actual policy, which forms the contract between the insured and the insurance company. Available coverages, credits, and options may vary by state. Insurance products underwritten by Westport Insurance Corporation, Overland Park, Kansas, a member of Swiss Re Corporate Solutions.

2017 Issue 1 | Alabama Independent

Relax...

You’ve offered each of your clients a personal umbrella policy.

Right? It might not be quite as relaxing as a day at the beach, but knowing you’ve done everything in your power to protect the customers who trust you to help them will go a long way towards easing your mind. Offering each and every client an umbrella not only protects those who choose to purchase the coverage. It protects your agency from liability. And it protects your book of business, since studies show that customers who have multiple policies are less likely to move their business elsewhere. As a Big “I” member, you have access to a stand alone personal umbrella program from A+ rated carrier RLI, featuring: Limits up to $5 million available Excess UM/UIM available in all states You can keep your current homeowner/auto insurer New drivers accepted - no age limit on drivers Up to one DWI/DUI per household allowed Auto limits as low as 100/300/50 in certain cases Competitive, low premiums for increased limits of liability Simple, self-underwriting application that lets you know immediately if the insured is accepted E-signature and credit card payment options Immediate coverage available in all 50 states plus D.C.

So cover your clients... protect your agency... and profit from umbrella sales!

Contact Tangerie Underwood at tunderwood@aiia.org. Alabama Independent | 2017 Issue 1

MAXIMIZE your Agency’s

ETS K R MA

MAX IM

EQUALS A Network of Strong, Resourceful, Successful, Independent Agencies

• Montgomery IIA president for 2017 is James Barber of Palomar Insurance Corporation. • Tuscaloosa IIA president for 2017 is Dee Pace of RF Hull & Associates. • Birmingham IIA president for 2017 is Margaret Ann Pyburn of Cobbs Allen.

EV NG R ENUE IZI

OPTIMIZING

P E RF O RM AN C E

Local Independent Insurance Agents Board Presidents

• Huntsville IIA president for 2017 is Michael Vance of Hundley Batts & Associates. • Alabama Gulf Coast AIIA president for 2017 is Van Walsh of Walsh Insurance Solutions.

P R E XI FL

OV I S, E BI DIN G R C LIT E S O U R NCE E Y& IN D E P E N D

With a little help from The Iroquois Group® To learn more about how Iroquois could further strengthen your agency, contact Perry Grant at (205) 910-5961 or pgrant@iroquoisgroup.com.

Alabama Producers

IROQUOIS Group

www.iroquoisgroup.com 2017 Issue 1 | Alabama Independent

Ted’s Tablet

Q: A:

QUESTION: Do you have any information about contingent cargo insurance? ANSWER: Here is an article, which describes the coverage and you can Google “contingent cargo insurance” to find markets. ~ Best wishes, T Cargo insurance, underwritten by groups called managed risk clubs, covers almost every possible risk. Should the manager risk club decline payment on a claim for the loss or damage of a shipper’s cargo, the shipper will often demand that the freight forwarder or freight broker make good on the loss. To protect against these claims, freight brokers carry contingent cargo insurance to pay the claims that the carrier will not. Shippers may hold freight brokers – who negotiate transportation contracts on behalf of shippers – liable should cargo be lost or damaged in transit. To guard against this potential, freight brokers carry contingent cargo insurance to insure them against claims made by the shippers for damage to cargo. Contingent cargo insurance only comes into play when the carrier refuses to honor a claim. If, for example, you ship a container of widgets to Timbuktu, and the captain of the ship throws half of the widgets overboard to save the ship, the carrier probably won’t pay off the loss. This is when contingent cargo insurance pays you. Freight brokers or freight forwarders aren’t legally required to carry contingent cargo insurance; however,

Alabama Independent | 2017 Issue 1

carriers are often reluctant to work with those who do not carry this insurance. This places economic pressure on freight brokers and freight forwarders to obtain and carry this insurance. Further, should a shipper’s cargo suffer damage and the carrier refuse the claim, the shipper will look to the freight forwarder to make good on the claims. Although not strictly liable, the forwarder’s reputation will suffer if he does not pay. Contingent cargo insurance coverage includes common causes of loss, such as damage and theft in transit. It covers the loss of the cargo on any type of common carrier, including truck, rail or ship. It even covers some of the losses peculiar to rail or ocean shipping, such as the ship sinking with the cargo aboard or a train wreck. One type of loss in ocean shipping where contingent cargo insurance is essential is called “general average.” When the crew jettisons cargo to save the ship, the insurance company charges the loss of all or part of any one shipper’s cargo back to all the shippers. Contingent cargo insurance pays this claim. Shippers should ensure that their freight forwarder carries contingent cargo insurance before entering into an agreement for the carriage of cargo as ocean freight. As increasing amounts of the ocean freight traffic travels on ships flagged – or registered – in countries where safety, manning and vessel condition are unregulated or left to ship owners, contingent cargo insurance becomes more important. Freight forwarders know this and contingent cargo insurance allows them to offer their customers, the shippers, greater peace of mind.

“RPS IS MY TRUSTED PARTNER” – BRENT HALLMAN MANRY & HESTON At Risk Placement Services (RPS), we are committed to building relationships one retail partner at a time. Our stewardship begins by providing you access to the finest markets and top producers in the industry and providing customized solutions to meet your needs by designing, negotiating and tailoring individual risks that help you succeed. It’s a partnership you can count on! To learn more contact Jennifer Hornsby at 205.317.2649 or Jennifer_Hornsby@rpsins.com. RPSins.com

2017 Issue 1 | Alabama Independent

APRIL 5-7 12 13 14 18 20 26

EducationCalendar

CIC Personal Lines – Birmingham CISR Elements of Risk Management – Mobile CISR Elements of Risk Management – Tuscaloosa AIIA Closed for Good Friday CISR Elements of Risk Management – Huntsville CISR Elements of Risk Management – Birmingham E&O Risk Management – Birmingham

MAY 2 3 4 9 10-12 16 18 23 25 29

JUNE

CPIA 1 Position for Success – Birmingham CPIA 2 Implement for Success – Birmingham CPIA 3 Sustain Success – Birmingham CISR Commercial Property – Mobile CIC Life & Health – Birmingham CISR Commercial Property – Huntsville CISR Commercial Property – Tuscaloosa CISR Commercial Property – Montgomery CISR Commercial Property – Birmingham AIIA Closed for Memorial Day

6 13 20 22 27

CPIA 1 Position for Success – Mobile CISR William T. Hold Seminar – Tuscaloosa E&O Road Map to Policy Analysis – Birmingham CISR William T. Hold Seminar – Montgomery CISR Elements of Risk Management – Montgomery

FIND ALL YOUR INSURANCE NEEDS IN ONE PLACE

Alabama Independent | 2017 Issue 1

AprilWebinars 4 6 11 11 12 12 13 17 18 18 19 24 26

10 Things Every Commercial Lines Agents Ought to Know Insuring Toys and Collectibles E&O Risk Management: Meeting the Challenge of Change (Part One) E&O Risk Management: Meeting the Challenge of Change (Part Two) Who Is An Insured When the Child Becomes the Parent â&#x20AC;&#x201C; Aging Parents and Insurance Decisions Commercial Liability Coverages Additional Insureds and Certificates of Insurance Farm Property Coverage Fiduciary Liability, ERISA Bonding, and Employee Benefits Liability (The Affordable Care Act contains significant responsibilities for benefit plan decision makers) Ethics and Agent Liability Insurance Valuation Strategies Homeowners Hot Topics

For complete schedules of AIIA Webinars and ABEN Webinars, go to www.aiia.org!

Prepared for anything. CISR is the designation program designed to prepare you for the insurance industry. Now with 9 courses, CISR has never been more flexible. You can customize your learning to fit your current and future needs. The CISR Program makes you knowledgeable about the policies and service requirements of your clients. It still takes only 5 courses to complete your CISR designation and you will be prepared for almost anything.

Prepared for everything. By completing all 9 CISR courses, you will achieve CISR Elite status and you will be prepared for almost everything.

www.TheNationalAlliance.com or call 800-633-2165 2017 Issue 1 | Alabama Independent

INDUSTRY NEWS Alabama Independent Insurance Agents of Alabama is a nonprofit organization that has local chapters across the state. Unlike company-employed agents, independent insurance agents are a trusted choice for insurance because they represent more than one insurance company. Independent agents offer their clients a wider choice of auto, home, business, life, and health coverage as well as retirement and employee-benefit products. They are dedicated to serving their customers and their community.

AGCAIIA Raised $3,500 for The Miracle League AGCAIIA hosted a fundraiser back in September to raise money for The Miracle League and this was their 2nd year to donate to this great organization. On February 8th, AGCAIIA board member Bruce White with Whitehaven Insurance Services gave Pam Taylor a check for $3,500 during the installation banquet at Felixâ&#x20AC;&#x2122;s Fish Camp Grill in Spanish Fort.

Alabama Independent | 2017 Issue 1

INDUSTRY NEWS MIIA Supports Mane! Montgomery Independents Insurance Agents held its 1st Annual Sporting Clay Shoot back on Nov. 10, 2016, at Lower Wetumpka Shotgun Sports Club. The purpose of the event was to raise money and awareness for Montgomery Area Nontraditional Equestrians (MANE). MANE is a nonprofit organization formed in 1994 that provides safe and effective therapeutic horseback riding opportunities to Montgomery and tri-county area children and adults with emotional, physical, cognitive, and developmental disabilities. Alabama Trucking Association WCF sponsored the event and with help of those who participated, MIIA was able to give MANE $3,000, which helped them to purchase a manure spreader they had been wanting. MIIA will hold their Annual Golf Tournament at Wynlakes Golf and Country Club May 25.

TIIA Gives New Meaning to Christmas

Pictured are TIIA members: Charlie Bailey, Andrew Hudson, Jeff Hogg, and Brandon LaBresh.

Every December, the members of Tuscaloosa Independent Insurance Agents enjoy providing 100 winter coats and tennis shoes to Tuscaloosa City School students. TIIA consists of Pritchett-Moore, The Fitts Agency, The Insurance Center, and RF Hull and Associates. This event really helps its members get in the Christmas spirit!

2017 Issue 1 | Alabama Independent

INDUSTRY NEWS BIIA Donates $20,000 to United Ability formerly United Cerebral Palsy of Greater Birmingham From left: Alison Berman, United Ability; Mark Hughes, BIIA presidentelect; and Margaret Ann Pyburn, BIIA president.

The Birmingham Independent Insurance Agents hosted their Annual Gala at LINCPoint on January 27th, 2017. More than 150 people attended the annual event which included food, music, a silent auction, casino style games and door prizes. All proceeds from the event are donated to a charity at the discretion of the current chapter president. BIIA President Margaret Ann Pyburn of Cobbs Allen stated United Ability offers many valuable programs that benefit kids and adults in the Birmingham community. She said “I have personally seen the results of their services since my niece has Spina Bifida, so I have a real heart for the work that they do. When asked to select a charity to benefit the Gala, United Ability was an easy choice.” United Ability CEO, Dr. Gary Edwards shared, “What a tremendous honor to be this year’s recipient of the BIIA gala proceeds. Every dollar received will support the advancement of medicine, technology & therapies for people living with ALL types of disabilities from birth throughout their lives. Thank you, BIIA, for helping transform lives.”

AIIA Distributes Historic Maps AIIA was pleased to provide old Sanborn Municipal Insurance Maps to various city municipalities last fall. Many of the maps are from the late 1920s, 1930s and provide very detailed, well-preserved description of the mapped area. Bruce Wright, who is the Records Analyst for the City of Birmingham, was ecstatic to help AIIA EVP Bill Sager to secure 10 separate maps books for Birmingham. All the other maps were secured and given to various AIIA members to take back to their respective city municipalities. 44

Alabama Independent | 2017 Issue 1

The adults that participate in the Adult Day Program contributed to the festivities by hand painting floral clay pots for centerpieces on the dinner tables. United Ability is a non-profit organization. Their mission is to provide innovative services connecting people with disabilities to their communities and empowering individuals to live full and meaningful lives. United Ability serves more than 4,000 children and adults with disabilities including but not limited to: intellectual disabilities; traumatic brain injury; developmental disabilities; cerebral palsy; autism; Down syndrome and spina bifida. Visit United Ability online at www. unitedability.org.

Experience matters. The producer-carrier bond is the base of a successful insurance business. When you’re choosing a carrier to partner with, look for one ranked by your peers. United Fire Group (UFG) was named a Five Star Carrier by Insurance Business America in four categories: ■■

Carrier reputation and financial stability

■■

Claims processing

■■

Underwriting expertise

■■

Range of products

To learn more about UFG, visit www.UFGSolutions.com

simple solutions for complex times ®

2017 Issue 1 | Alabama Independent

SEEN&HEARD BIRTHS

Congratulations to Clint (McGriff, Seibels & Williams) and Meghann (Cobbs Allen) Provost on welcoming their first child, son Thomas Clinton Provost, III who was born on November 13th. Congratulations to Margaret (Cobbs Allen) and Will Brooke, along with their son Wade on welcoming Ruffin Alexander Brooke to the family on December 5. Congratulations to Kim Zemek of FCCI Insurance Group and her husband Jason on welcoming their first child, daughter Katherine Dawn Zemek who was born on December 27. She weighed 6.9 lbs and was 20.5 inches long.

was involved with the Young Agents until 2015 when she decided to change careers. The happy couple was married in New Orleans on January 7. Congratulations to Jean Ann Rittenour of Palomar Insurance on her marriage to Mr. Rex Donley. The happy couple was married in Montgomery at their church surrounded by family on January 7.

SYMPATHY Our thoughts have been with Webb Insurance Services since the passing of owner John Cecil “Johnny” Webb. Mr. Webb passed away at his home on November 2.

NUPTIALS

Our thoughts have been with Silvia Wilkins since the passing of her husband Robert “Bobby” Wilkins in December. Silvia retired from American Mining Insurance Company and Bobby worked many years with Robinson Adams until his retirement.

Congratulations to Maryalice Lazarus on her marriage to Mr. Ben Bludsworth. Maryalice is the daughter of Susan and Steve Lazarus of Trans Con Assurance. Maryalice

Our thoughts have been with Whitehaven Insurance Services since the passing of Bruce Quinton White, Sr. on February 7th.

Congratulations to Matthew (Johnson & Johnson) and Lydia Ellis, along with their daughter Gracie on welcoming Jack Riley Ellis to the family on January 26th.

Welcome New Members AIIA would like to welcome the following new members who have recently joined the association. Thank you for joining Alabama Big I!

NEW AGENCY MEMBERS The Amford Agency, LLC Chad Bradford Thomasville, AL Community Insurance Partners Cindy Jones Mobile, AL Guide Insurance Agency Karen Lollar Birmingham, AL The Insurance Shop Lee Forrester Homewood, AL

Alabama Independent | 2017 Issue 1

The Rinehart Agency Torie Rinehart Columbiana, AL Walsh Insurance Solutions Van Walsh Daphne, AL

NEW ASSOCIATE MEMBERS Mackinaw Underwriters Keller Chapman Nashville, TN

AIIA

121 ST CON ANNUA L V JUNE ENTION 7 -9, 2 017

If you have news, we would love to include it in our next issue! Please send your press releases, photos or notices to Michelle McKee at mmckee@aiia.org

Big “I” Members: Access Gridiron Package Select® Gridiron Package Select is designed for small business and combines a strong casualty appetite with stable property capacity. Coverage is offered by Interstate Fire and Casualty, an excess & surplus carrier rated A+XV by A.M. Best, and written on a non-admitted basis. Package business is available in both coastal and non-coastal areas. Over 350 eligible package classiﬁcations are available. Big “I” members may access this product through Big “I” Markets. As with all Big “I” Markets products, there are no access fees, no minimum volume commitment and you own your expirations. Classiﬁcations include: • • • • • • • • •

Lessors risk Shopping centers Distributors Manufacturers Medical ofﬁces Variety shops Condo associations Ofﬁce tenant packages Churches

• • • • • • • • •

Apartments Drugstores Gyms Auto stores Barber shops Computer stores Caterers Department or discount stores Nail salons

• • • • • • • • •

Halls Ice cream shops Laundry and dry cleaners Model homes General mercantile Vacant land Some artisans Warehouses Coin-operated laundromats

For more information, log into www.bigimarkets.com or contact Big "I" Markets commercial underwriter Tom Spires at tom.spires@iiaba.net or (800) 221-7917. 2017 Issue 1 | Alabama Independent

INTRODUCING SIU’S

NEW PERSONAL LINES ONLINE RATER AVAILABLE AT SIUINS.COM

HO3

Dwelling Schedules + Coastal Capacity + Seasonal & Secondary, + Owner/Tenant Occupied

+ P/C 1-10 available + Seasonal & Secondary Dwellings + Coastal Capacity + HO8 form available

DWELLING FIRE

+ Written on quarterly basis + Premiums earned on a monthly basis

VACANT DWELLING

PERSONAL PROPERTY S o u t h e r n I n s u r a n c e Un d e r w r i t e r s , I n c

Alabama Independent | 2017 Issue 1

(If the property becomes occupied or sold during the policy term, the insured receives a return premium for the remaining months – 1/3, 1/3, 1/3)

+ 1-4 Family Dwellings + Premises Liability available + DP1 & DP3 forms available + Protection Classes 1-10 + 6 month option available

GA: 678.498.4540 GA: 800.884.1703 WWW.SIUINS.COM

INNOVATION FOR BUILDING YOUR BUSINESS EXCLUSIVELY FROM SIU