Each year, West Bend invites agency partners like SouthPoint Risk to nominate organizations demonstrating strong leadership and measurable impact. Winners receive vital funding to expand their essential work. 

SouthPoint Risk nominated Youth Villages of Middle Tennessee for its long-standing commitment to helping children and families overcome challenges and build brighter futures. 

The $5,000 will support Youth Villages’ LifeSet program, serving 17–22-year-olds aging out of foster care. LifeSet provides personalized mentorship, crisis support, and life skills training to help participants secure housing, jobs, and education—bridging critical gaps in family resources and stability. 

"When young people age out of foster care, they typically do so without any family to help guide them through this difficult transition to independent living. LifeSet steps in to provide that support system to thousands of young people, and we couldn't do it without the generosity of supporters like Correll Insurance." —Morgan Wamsley, Public Relations, Youth Villages 

SouthPoint Risk has partnered with Youth Villages since 2008 through financial contributions, volunteer hours, and fundraising initiatives. We’re grateful for carrier partners like West Bend whose Spirit of the Silver Lining Award program makes moments like this possible. 

Visit Youth Villages to learn more about their life-changing programs. 

The Supplier of the Year award highlights SouthPoint’s ongoing commitment to serving the construction industry with customized insurance solutions and dedicated risk management support. 

The BuildTN Awards bring together leading contractors, suppliers, and construction partners from across the state to celebrate excellence in building, safety, innovation, and service. Being selected as Supplier of the Year is a meaningful acknowledgment of our team’s focus on understanding contractors’ unique challenges and helping them protect their people, projects, and businesses. 

SouthPoint Risk has a long-standing focus on construction insurance and risk management, offering coverage and guidance designed around the realities of the job site. From general contractors and specialty trades to suppliers and related businesses, our team works closely with clients to help them navigate contracts, manage exposures, and build safer, stronger operations. 

We extend a sincere thank you to AGC of Tennessee for this honor and for the opportunity to support its members.  

You can view the full list of award recipients and event photos from the AGC Build Tennessee Awards here. 

For more information on AGC of Tennessee click here. 

At Correll Insurance Group, we value strong partnerships that allow us to better serve our clients and support long-term success. We are proud to announce that Correll Insurance Group has been named a 2026 Champions Club Agency by Builders Mutual. 

The Champions Club recognizes agencies that maintain a profitable partnership with Builders Mutual and achieve a minimum of $1 million in in-force premium. This distinction reflects our ongoing commitment to providing reliable coverage options, competitive rates, and exceptional service to our clients. 

Being named a 2026 Champions Club agency highlights the trust Builders Mutual places in our team and reinforces our ability to deliver dependable insurance solutions for the construction community.  

We are honored to receive this recognition and look forward to continuing this strong partnership with Builders Mutual and our customers in the year ahead! 

To learn more about Builders Mutual, visit: https://www.buildersmutual.com/   

Resources for Businesses 

Businesses face unique risks from snow, ice, and extended periods of freezing temperatures.  

• Winter Weather Preparedness and Response Guide for Businesses: This guide offers practical steps and best practices to help minimize losses from winter weather events, including planning, communication, and recovery strategies, plus an appendix with additional preparedness and response tools. View Winter Weather Preparedness and Response Guide for Businesses

• Snow and Ice Removal Guide for Businesses: This resource outlines the actions business owners should take to manage snow and ice risks on sidewalks, parking lots, and building entrances to help protect employees, customers, and property. View Snow and Ice Removal Guide for Businesses 

Resources for Homeowners

Homeowners also need to prepare their property to withstand snow, ice, and prolonged cold.  

• Home Protection Guide: Snow and Ice Storms: This guide explains common winter weather risks—such as frozen pipes, ice dams, and roof damage—and outlines steps homeowners can take before, during, and after a storm to help prevent costly repairs. Key actions include inspecting insulation, protecting exposed pipes, maintaining roofs and gutters, and knowing how to safely clear snow and ice from walkways and driveways. View Home Protection Guide: Snow and Ice Storms 

If you experience a loss, the fastest and easiest way to report a claim is online. Visit our Claims page for more information. 

The CAPI program, developed by Chubb in partnership with the Wharton School of the University of Pennsylvania, is a comprehensive and rigorous 12-month curriculum for high-performing personal insurance professionals. Blending on-site and virtual learning, the program sets a new standard for industry excellence. Participants must have a minimum of three to five years of experience serving personal insurance clients and focus on advanced strategies to meet the complex and evolving needs of high-net-worth individuals and families — including their homes, valuables, vehicles, and lifestyles.

Through in-depth coursework, collaborative case studies, and a final capstone presentation, Ryan demonstrated exceptional expertise and an unwavering commitment to excellence. After completing his final presentation in December 2025, he officially earned the distinguished CAPI designation — a testament to his professionalism, dedication to lifelong learning, and passion for outstanding client service.

Pictured (from left to right): Melissa Scheffler, President of North America Personal Risk Services for Chubb; Ryan Eaddy of Correll Insurance Group; and Chris Geczy, Ph.D., from the Wharton School of the University of Pennsylvania.

You can learn more about the CAPI designation and its program requirements by visiting Chubb Agency Education: Certified Advisor of Personal Insurance (CAPI).

Please join us in congratulating Ryan Eaddy — and all members of the CAPI Class of 2025 — on this incredible accomplishment!

This award recognizes association members who demonstrate exceptional service, leadership, and commitment to the insurance community. Nikki was recognized for her outstanding and thoughtful contributions to the association and its committees.  

Nikki is based in our Cordova, TN office, where she serves as a Commercial Lines Account Manager. As one of the newest members of our team, we are delighted to welcome her and look forward to seeing the valuable contributions and successes she will bring in her role. 

Join us in congratulating Nikki on this well-deserved recognition! 

This guide is designed to help you understand the risks, plan ahead, and take the right steps before, during, and after a hurricane. Whether you live along the coast or inland, having a clear plan and necessary supplies can make all the difference in staying safe and resilient. Explore our 2025 Hurricane Guide below: 

SAIP is a local chapter of the International Association of Insurance Professionals (IAIP), which serves its members by providing professional education, an environment in which to build business alliances, and the opportunity to make connections with people of differing career paths, and levels of experience with the insurance industry. 

The 63rd Annual Conference of the South Carolina Council of IAIP International was held September 5–6, 2025, in Spartanburg. Led by State Council Director Teri Newmark of Correll Insurance Group of Inman, it was an energizing two days filled with education, fellowship, CWC competition, and plenty of fun—with just enough business mixed in.

The conference kicked off with a welcome party at Fifth Third Park, where members cheered on the Hub City Spartanburgers, the city’s new minor league baseball team. The weekend concluded with Saturday’s Awards Banquet at the AC Hotel, an inspiring evening of recognition and celebration.

Please join us in congratulating the following Correll team members on their well-deserved honors:

• Suzanne Peeler, of CWS Insurance, a member of Correll Insurance Group, received “IPSC Rookie of the Year”
• Mary Hefner, CISR Elite, of Correll Insurance Group, received the Memorial Education Scholarship in memory of Liz Hamilton”
• Tracy Weber, of CWS Insurance, a member of Correll Insurance Group, received “The Jim Bost CWC Award”
• Lynn Queen, of CWS Insurance, a member of Correll Insurance Group, received “Insurance Professional of the Year”

We are proud to be part of an organization that values education, leadership, and community service.  Correll is committed to supporting our team’s growth and celebrating their achievements. If you’re interested in learning more about our people and our culture, visit our Careers page or contact us today!

Roxanne Peden, IPSC Public Relations Chair; Rhoda Ryan w/ Johnson & Johnson; Tracy Weber of CWS Insurance and Lynn Queen of CWS Insurance

Lisa Vliet, Exec Sales Rep for The Hartford and Mary Hefner of Correll Insurance Group

Jennifer Chisam, IPSC Awards Chair, Marketing Rep Selective Insurance and Suzanne Peeler of CWS Insurance

Jennifer Chisam, IPSC Awards Chair, Marketing Rep Selective Insurance and Lynn Queen of CWS Insurance

Please join us in congratulating John McInturff, III of McInturff, Milligan & Brooks, a member of Correll Insurance Group, on his recent appointment to the Big “I” National Committee. 

John will serve on the Finance Committee, with his term officially beginning on September 1st and concluding on December 31st. He currently serves as President of McInturff, Milligan & Brooks in Greeneville, TN.  

Congratulations, John, on this outstanding accomplishment and for your continued dedication to the Big “I”, the state of Tennessee, and the insurance industry as a whole! 

We’d also like to extend our congratulations to the other members of the Insurors of Tennessee who have been selected for Big “I” National Committee service: 

• Health Care Subcommittee: Kevin Ownby, Ownby Insurance Service, Inc., Sevierville  
•  Large Agents & Brokers Council: Chip Piper, Powell and Meadows, Carthage  
• Joe Craven, Fortified  

For more information on the Insurors of Tennessee visits their website: Home - Big I Tennessee (insurors.org) 

Each year, a group of exceptional insurance professionals are selected to represent their states and then can compete to become the National Outstanding CSR of the Year.

To qualify for this top state honor, Tammie Blackwood, of Correll Insurance Group of Gaffney, submitted the winning essay on the following topic:

As technology continues to reshape the insurance industry, CSRs and Account Managers must navigate the challenge of integrating digital tools while maintaining strong, personal client relationships. AI, automation, and data analytics have enhanced efficiency and accuracy, but over-reliance on technology can lead to impersonal interactions. In your essay, discuss three keyways’ CSRs can successfully embrace technological advancements while preserving meaningful client relationships.

Additionally, Tammie Blackwood was selected for having demonstrated outstanding service and professionalism within the insurance community. 

A native of Gaffney, South Carolina, Tammie embarked on her insurance journey at Allstate in 1998, starting as a secretary then becoming a licensed agent.  In 2002, Tammie shifted to the agency side, dedicating herself to the role of Customer Service Representative. Over the course of her career, she has assumed roles such as Personal Lines Manager, Small Business Specialist, and Marketing. With more than 25 years of experience in the insurance industry—including over two decades in the independent sector—Tammie has dedicated her career to serving clients and supporting her team. She holds several respected industry designations: CIC, CISR Elite, and AIAM.

In January 2015, she started working for Correll Insurance Group as a Commercial Lines Account Manager and has been there ever since supporting multiple offices. Outside of work, she is an avid reader—averaging 65 books each year—and cherishes time with her two daughters. She is actively involved as a member of the Spartanburg Area Insurance Professionals (SAIP) and as a State Member, participates in her church choir, and is guided by a strong faith.

Join us in congratulating Tammie and all the other top insurance professionals across the country!

View the full list of State Winners by clicking here.

For further information regarding the 2025 Outstanding CSR of the Year Award, contact The Risk & Insurance Education Alliance, P.O. Box 27027, Austin, Texas 78755-2027; 800-633-2165; website: https://www.riskeducation.org/

SAIP is a local chapter of the International Association of Insurance Professionals (IAIP), which serves its members by providing professional education, an environment in which to build business alliances, and the opportunity to make connections with people of differing career paths, and levels of experience with the insurance industry.  

This year’s banquet, held on May 13, 2025, was a wonderful evening of recognition and celebration.

Please join us in congratulating the following Correll team members on their well-deserved honors:

• John “Chappy” Chapman, CIC, CPCU, Executive Vice President of Education at Correll Insurance Group, received “Insurance Executive of the Year”
• Mary Hefner, CISR Elite, of Correll Insurance Group, received “Insurance Professional of the Year”
• Teri Newmark, of Correll Insurance Group, appointed Incoming Council Director of South Carolina
• Tracy Weber, of CWS Insurance, a member of Correll Insurance Group, received “Rookie of the Year”

Competency and professionalism are core values for our organization, and one of the ways our team members can individually demonstrate these values is by learning and growing with the industry partners that we serve. We are proud to be part of an organization that values education, leadership, and community service.

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At Correll Insurance Group, we are committed to supporting our team’s growth and celebrating their achievements. If you’re interested in learning more about our people and our culture, visit our Careers page or contact us today!

Eight college scholarships were awarded this spring by the IIABSC Foundation to children of member agency employees that will be full-time college students in Fall 2025.

Each year the Foundation awards five or more college scholarships to those qualified individuals either entering college or already undergrads. To be eligible, applicants must be a South Carolina resident and enrolled as a full-time student in the fall. They are looking for students that are active in his or her school and community, demonstrate a solid work ethic, possess strong leadership and teamwork abilities, and a desire to succeed.

Tricia Blackwood, daughter of Tammie Blackwood of Correll Insurance Group of Gaffney, received this scholarship for the third year in a row. Tricia Blackwood, currently attending Limestone University with a major in English Education.

Congratulations and best wishes to the scholarship recipients and their parents too!

Click here to view all 2025 scholarship recipients.

Spartanburg, South Carolina – Correll Insurance Group has been named South Carolina’s 2024 Diamond Achiever by Frankenmuth Insurance, a super-regional insurance carrier based in Frankenmuth, Michigan. The annual Diamond Achiever awards are given to the highest-performing agencies across their footprint based on set criteria, including length of appointment, profitability, growth, and policy retention.  

Frankenmuth Insurance President and Chief Operations Officer Andy Knudsen shares, “We are pleased to recognize Correll Insurance Group for an exceptional year of performance with our Diamond Achiever award. We see their commitment to providing our mutual clients with the highest quality insurance services, and we’re proud to have them represent us.” 

Correll Insurance Group’s 2024 results rank the agency as one of the most successful among Frankenmuth Insurance’s more than 800 independent agencies. 

"Being named South Carolina’s Diamond Achiever again in 2024 is a tremendous honor and a reflection of the hard work and commitment of our entire team,” said John Dawson, CEO of Correll Insurance Group. “We’re proud of our partnership with Frankenmuth Insurance and look forward to continued success together.”

Correll Insurance Group has been licensed with Frankenmuth Insurance since 2006 and is recognized as one of the carrier’s Preferred independent insurance agency partners.  

To learn more about Frankenmuth Insurance, visit fmins.com.

Brandon has volunteered with JA, a nonprofit focused on youth education, for 15 years and has served for the past five years as a board member for the organization’s regional arm, Junior Achievement of Memphis and the Mid-South. Brandon previously served as board chair and currently chairs the organization’s investment committee.  

“Our local business community’s support of JA is critical to achieving our mission, to inspire and prepare young people to succeed in the global economy,” said Leigh Mansberg, president and CEO of Junior Achievement of Memphis and the Mid-South. “Brandon Cooper, commercial risk consultant with Insight Risk Management, is a remarkable example of that spirit of dedication and service to others. In a very real way, he helps JA students throughout the Mid-South region get the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices.” 

His work on behalf of JA, and the children it serves, was recognized nationally at the ceremony in Washington, D.C. in June 2024, where Brandon received the highest volunteer recognition that the nonprofit bestows. During Brandon’s tenure, his regional JA office built a new (debt-free) location, increased its budget from $600,000 to more than $2.5 million and increased the level of service to more than 25,000 students per year!  

In 2002 Brandon and his wife Christy made a generous donation to the nonprofit, resulting in the creation of a facility the "Cooper Command Center." This facility serves as a space for staff and volunteers to gather and conduct capstone simulations.  

Thank you, Brandon, for your dedication to Insight Risk Management and for the incredible work you’re accomplishing in your community! We’re proud to cheer you on as you prepare to receive this well-deserved award. 

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About Junior Achievement USA® (JA) 
Junior Achievement is the world's largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA learning experiences are delivered by corporate and community volunteers and provide relevant, hands-on experiences that give students from kindergarten through high school knowledge and skills in financial literacy, work readiness, and entrepreneurship. Additionally, Junior Achievement is expanding its reach to 18-to-25-year-olds to provide young adults with critical life skills, as well as to pre-K youth to ensure children get a solid head start. Today, JA reaches more than 4.4 million students per year in 102 markets across the United States as part of 12.5 million students served by operations in more than 100 other countries worldwide. Junior Achievement USA is a member of JA Worldwide. For more information, visit www.ja.org. 
  
About Junior Achievement of Memphis and the Mid-South 
Junior Achievement of Memphis and the Mid-South empowers children to be world ready and engaged members of their communities so that they may lead independent lives. For more information on JA, visit www.jamemphis.org or call 901.366.7800. 

Contact: 

Beth Okeon 

beth@abomarketing.com, (901) 409-7607 

About Insight Risk Management 

Insight Risk Management (IRM) provides a variety of comprehensive insurance options and has three Mid-South locations: Cordova, TN, Marion, AR, and New Albany, MS. As an independent insurance agency, they represent a variety of high-quality insurance companies in the marketplace and protect their clients’ bottom lines with appropriate coverage at a competitive price. The satisfaction achieved by providing great service, with integrity and skill, makes Insight Risk Management a great place to work. In January 2023, Insight Risk Management merged with Correll Insurance Group, LLC of Spartanburg, SC and SouthPoint Risk of Nashville, TN to form one of the largest independent insurance agencies in the Southeast. To learn more about Insight Risk Management, visit https://irmllc.com/. 

About Correll Insurance Group  

Correll Insurance Group – which has more than 45 offices in the Carolinas and Tennessee – offers affordable, reliable insurance solutions for families and businesses. From auto insurance to homeowners’ insurance, from business insurance to liability insurance, the firm offers insurance packages to protect what matters most. Correll Insurance Group boasts nearly a century of experience and expert agents ready to protect every aspect of life and business. The firm offers a network of highly rated insurance leaders, comprehensive risk management strategies and wide-ranging insurance solutions. To learn more about Correll Insurance Group, visit www.correllinsurance.com. 

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Media Contact: Bailey Cashia, bmagee@correllinsurance.com 

The Community’s Choice Awards recognize the top businesses, organizations, and individuals in the Memphis area, with nominations and voting driven by local residents. This year, over 160 categories showcased the best of the best in the Memphis community. 

Andrew, a producer at our Cordova, TN office, has earned this recognition through his dedication to outstanding service and client care. Please join us in congratulating him on this well-deserved honor! 

A big thank you to everyone who participated in this year’s voting. We appreciate your support! 

For a full list of winners, view the Memphis Most Community's Choice Award website. 

This annual event honors the top speaker who completes the CWC educational program, which equips participants with the skills to effectively prepare and deliver presentations. Competitors begin at the local level, with winners advancing through regional competitions to the final stage at the International Convention. 

Mary is the Front Office Coordinator at Correll Insurance Group of Spartanburg, SC.  

Congratulations, Mary, on this great accomplishment and your commitment to our industry!  

For more information click here: IIABSC 2024 Newsletter  

During the IIABSC's Annual Convention, Frank Sheppard, CEO of IIABSC presented Jon A. Jensen, CEO of Correll Insurance Group, with the Jon A. Jensen Legacy Award, of which he is the inaugural recipient. 

This award celebrates Jon's exceptional contributions and aims to inspire future generations within the industry. It will be presented to agent members of the SC Big “I” who demonstrate the same excellence, leadership, and dedication that Jon has exemplified throughout his distinguished career. The award recognizes individuals who consistently exceed expectations, inspire others, and push the boundaries of what’s possible. 

This year marked the 126th Annual Convention, held from October 13-15 at the Westin Resort & Spa in Hilton Head, South Carolina. 

Congratulations, Jon, on this remarkable recognition for your dedication, leadership, and vision that have significantly impacted the association and our industry! 

To learn more about the awards presented at the annual conference, visit:  iiabsc.com website.

*Photo credit IIABSC 

Nick has been with the insurance industry for 49 years. He has been an integral part of our team in Beaufort and will be missed.  We know you all will join us in wishing Nick well as he starts a new chapter in his life. Nick, enjoy your well-deserved retirement! 

Lowcountry Insurance honored Nick with a luncheon on November 3^rd. Check out the photos below from the party! 

View 2023 Hurricane Guide

A Message from John T Cook & Associates

We live in such a beautiful part of the world where, unfortunately; hurricanes are a possibility. Please know our number one priority is the safety of you and your loved ones. We hope the information contained here will help you plan, prepare, and execute the necessary steps if a hurricane approaches our shores.

Our commitment at John T Cook & Associates is to be with you every step of the way. As experienced catastrophe professionals, we also plan. We have a team ready to assist you with any questions you may have. Our entire team is prepared to work remotely to assure we are available. We will be here for you before, during, and after any storm that comes our way.

The planning and preparation you take may not only save lives but will make evacuation and recovery much less stressful.

This guide is designed to help you prepare for the hurricane season. There are tips on how to prepare, what to do during and after, plus evacuation routes.

• South Carolina Evacuation Routes
• 2023 Hurricane Names List
• What to do during a hurricane watch
• What to do during a hurricane warning
• What to do after a hurricane/tropical storm
• Important Hurricane Contacts Correll Insurance Group of Hilton Head
• How to report a claim after a hurricane
• Post-Hurricane Guide

Contact us if you have any questions.

View 2023 Hurricane Guide

What you need to know about a hurricane 

• Wind Speed Model: Saffir Simpson Scale
• NOAA Predictions for 2023

2023 Hurricane Names 

• View 2023 hurricane names (Atlantic)

Evacuation Routes & Zone Map

We encourage any person with interest in a South Carolina property to consider downloading the SCEMD App on their smart device. They have done a fantastic job at providing information and keeping everyone informed.

• South Carolina
  • SC HURRICANE ZONE MAP

  • SC EVACUATION ROUTES

• North Carolina 
  • NC HURRICANE ZONE MAP
  • NC EVACUATION ROUTES

Supplies & Disaster Kit

It is important to keep enough supplies in your home to meet the needs of your family for at least three days. Assemble a disaster kit with items you may need in an emergency or evacuation.

• DISASTER SUPPLIES CHECKLIST
• FAMILY EMERGENCY DISASTER KIT

Download SC Emergency Manager App 

Take advantage of the official app of the South Carolina Emergency Management Division (SCEMD).

• APP STORE
• GOOGLE PLAY\

What to do during a hurricane watch

1. Read our Preparing for Evacuation Guide.
2. Fuel and service family automobile.
3. Check supply of prescription medicine (10 days - 2 weeks)
4. Check and replenish first-aid supplies.
5. Check and replenish supply of batteries.
6. Go to bank to get extra cash.
7. Review where the family will evacuate.
8. Turn freezer to maximum cold setting.
9. Bring in items which can become projectiles.
10. Back up and turn off computers.

What to do during a hurricane warning 

1. Put up Hurricane Shutters, tape or board windows.
2. Begin your Pre-Evacuation Checklist.
3. Notify neighbors and relatives of where you'll be.
4. Place towels around window sills and doors to reduce water seepage.
5. Place insecticides and other toxins in water-tight containers and in a high spot.
6. Create a plan for your pets.
7. Unplug small appliances & electronics including items like golf carts.
8. Lock all windows & doors.
9. Drive safely using SC designated evacuation routes.
10. Watch for dangling electrical wires and NEVER drive through water if you can't see the road beneath.

What to do after a storm or hurricane 

Do not return until authorities give the all-clear. 

• POST-HURRICANE GUIDE

Important Contacts 

We have put together a contact directory of important local, state, and federal phone numbers and websites we feel are able to provide accurate and timely information during a catastrophe.

• EMERGENCY CONTACT DIRECTORY

During the 2023 Big “I" Legislative Conference Breakfast, John Costello, Big “I" chairman and vice president and construction practice member at USI Insurance Services in Rochester, New York, presented former Big “I" chairman Jon Jensen, President & CEO of Correll Insurance Group, with the 2023 Woodworth Memorial Award—the highest honor the Big “I" bestows on an individual member. 

The prestigious award, established in 1925 in memory of the second Big “I" president C.H. Woodworth, recognizes the outstanding contributions of an independent agent or broker to the national association, to their Big “I" colleagues, and to the insurance industry. 

Congratulations Jon, on this great recognition for your leadership and commitment to the IA system, the Big I, and our industry! 

View full article on IAMagazine.com

The inductees are called "Captains of Industry" and the judges said "the bar is high for induction to the 2022 Insurance of America Hall of Fame. You need at least 35 years in the industry, examples of leadership and inspiration, and an impressive track record." Of course, Jon meets and exceeds all of those requirements! 

Congratulations Jon, on this great recognition for your leadership and commitment to the IA system, the Big I, and our industry! 

View Article 

Immediate past Big I chairman Jon Jensen receiving recognition for his incredible leadership & service to the Big I. #insurance @IndAgent #independentagents @Trusted_Choice @IIABSC @TC_COMAdvantage #bigihasyourback pic.twitter.com/MAqrK97iFN

2022 Hurricane Guide

Correll Insurance Group and John T. Cook & associates are proud to congratulate South Carolina Department of Insurance Director Ray Farmer on his recent election to the position of president of the National Association of Insurance Commissioners (NAIC). Director Farmer assumed the position on January 1, 2020.

Director Farmer’s election to the role gives the South Carolina insurance industry another important voice and presence nationally. Correll Insurance Group CEO Jon Jensen was installed as chairman of the Independent Agents & Brokers of America (the Big “I”) last year.

Ray Farmer was appointed to serve as Director for the South Carolina Department of Insurance in 2012. He brings 50 years of experience in the insurance industry to his leadership role. In 2014, he was named the Industry Person of the Year from the Independent Agents and Brokers of South Carolina.

The NAIC is the nation’s standard-setting and regulatory support organization. It is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories.

The organization will focus on eight issues in 2019:

• Annuity Suitability & Best Interest Standard
• Climate/Natural Catastrophe Risks & Resiliency
• Data, Innovation & Cyber
• Group Capital Calculation (GCC)
• Health Insurance
• Long-Term Care Insurance
• Macroprudential Initiative (MPI)
• International

Correll Insurance Group looks forward to working with Director Farmer and the NAIC this year on these important issues affecting the insurance industry.

After all, who has the time to actually research each carrier and find the coverage that truly makes the most sense for your situation?

An independent insurance agent.

Independent agents are insurance experts with a wealth of resources at their fingertips. With the ability to write policies with a wide range of carriers, independent agents are able to look at each individual’s needs and circumstances and find the right mix of coverage and cost. People who buy their insurance from an independent agent have the benefit of choosing from many of the most trusted companies in the world, rather than being restricted to just one company’s rates and options. Independent agents actively shop around and will usually provide you with several quotes to choose from.

Another advantage of working with a local independent insurance agent is having a local person to call when you need help filing a claim or with any other insurance question or matter, instead of only having a toll-free number to call.

Independent agents also work for their clients year-round, not just at renewal time. Carriers are regularly updating their coverages and evaluating their rates. Independent agents stay on top of these changes so that you don’t have to, and they will let you know when switching to a new carrier or coverage might make sense. It’s all about what best serves the client, not what best serves any particular insurance company.

If you're in need of an independent insurance agent, we'd love to help you. Call us for a free, no-obligation quote today.

Contact Us

What does umbrella insurance cover?
Umbrella insurance will cover you if you face liability for property damage or injury to yourself or others and associated legal defense costs. The umbrella policy covers liability that exceeds the amount of your primary policies.

For example, if you have a homeowners policy that includes up to $500,000 in liability, an umbrella policy would kick in if you were at fault in an accident in which the victim was awarded more than $500,000 in damages. This is why umbrella insurance is also called excess liability insurance.

How much does umbrella insurance cost?
Besides the protection and peace of mind umbrella insurance provides, perhaps its best feature is how affordable it is. While rates vary depending on your claims history, where you live and other factors, $1 million of umbrella coverage can cost less than $200 a year (less than $17 a month).

How much umbrella coverage should you have?
This depends largely on the value of your assets, any investments, your income, and future earning potential. Your assets and income are at risk in a lawsuit. It is important to consider what kinds of risks you face as well as the value of your assets and the potential loss of income you might face in the event of an accident in which you are found liable.

If you would like to discuss whether you need an umbrella policy, call us today. We will review your current coverages and deliver several options for you to consider.

Contact Us

Administered by the U.S. Marine Corps Reserve, the mission of Toys for Tots is to collect new, unwrapped toys every October, November and December, and then distribute them to less fortunate children at Christmas. Over the 62 years of the U. S. Marine Corps Reserve Toys for Tots Program, Marines have distributed more than 400 million toys to more than 188 million needy children. Every toy is given to a child in the community in which it was collected.

“This time of year should be filled with joy, but too many of our community’s children don’t get to experience the magic of the season,” Correll President and CEO Jon Jensen said. “Toys for Tots ensures that hundreds of children right here in Spartanburg will have a brighter and merrier Christmas.”

If you would like to drop off a toy, visit one of the John T. Cook & Associates offices between now and December 12:

Compounding the issue is the cost. The thousands of dollars often required to complete a search and finalize a hire is an essential cost of doing business — but it is one that many agencies, especially smaller ones, struggle with. Indeed, agencies can ill afford to make a mistake in the hiring process.

At Correll, we have utilized different approaches to workforce development over the years, including the use of expensive search firms. All too often, the results were disappointing, especially considering the cost.

Fortunately, agencies that are members of Correll Insurance Group have access to a new tool that is yielding more qualified candidates and ultimately better long-term fits and employees. Big “I” Hires was launched last year and the early results have been encouraging.

The new hiring and talent development platform was championed by Correll CEO Jon Jensen through his work on the board of directors for the Big “I.” The organization partnered with Michigan-based recruiting firm IdealTraits to develop the tool and it was made available to members in 2018. Correll Insurance Group was one of the first adopters.

The platform works by providing agencies the opportunity to create as many job ads as they want, which can then be placed on various job sites (Glassdoor, Indeed, LinkedIn, etc.) selected by the agency. As people apply, the platform qualifies the applicants with a 40-question assessment designed to identify whether they have the soft skills and other traits that make them a good fit for the position.

“The development of Big ‘I’ Hires is a great example of how the organization supports our industry,” Jensen said. “The executive committee made recruitment and workforce development a core part of our strategic plan. At Correll, we have used this new tool to help us make some great hires over the past year. I believe it will make a big difference in helping independent agencies grow and prosper over the coming years.”

Visit their website bigihires.com to learn more about how Big “I” Hires can help your agency.

Like for-profit businesses, non-profit organizations face risks and potential liabilities, and insurance is an essential part of risk mitigation for all incorporated non-profits. (If the non-profit is not incorporated, any potential liability falls on the individual(s) who formed and/or run the enterprise.)

There are some risks — and, therefore, insurance coverages and programs — unique to non-profits. No single policy will cover every risk a non-profit could face. It’s important to work with an agent or agency with non-profit insurance experience so that a complete risk assessment can be completed. Then, an independent agent will be able to consider a variety of carriers and options and recommend a package of appropriate policies (at the best possible price) to best safeguard the organization, its employees and directors.

Most non-profits should consider a Non-Profit Directors & Officers Liability Insurance. D&O coverage goes beyond a general liability policy to specifically protect the personal assets of a non-profit’s board members in the event of a lawsuit. Many non-profits and their board members do not realize that they can be held personally liable for the acts of the organization. Non-Profit D&O Liability Insurance covers the cost of defense and settlements of judgements if wrongful act suits are filed against the organization.

There are many coverages geared to insure specific types of non-profit organizations, from supplemental policies that cover abuse to camps and fundraising events. There is no one-size-fits-all policy or coverage program. The first step is to understand the organization’s risks and then develop a package.

If you have concerns about a non-profit you direct, work for, or serve as a board member, contact your local agent today.

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Because insurance agencies obtain and handle their customers’ important financial and private data, they are prime targets for hackers who want to access this information. Preventing a data breach and safeguarding private data has become an essential part of the insurance industry.

Independent agents and brokers are impacted in several ways. To effectively compete with national carriers, independent agencies have pressure to invest in technology and new user-friendly digital platforms that customers have come to expect. They must ensure they are complying with all federal and state regulations regarding securing the private data that is obtained through these platforms, from credit card payment information to social security numbers and driver’s license numbers.

But protecting the data an independent agent obtains and stores is not the only concern. Because independent agents and brokers work with numerous carriers, the risk of any of the carriers for whom they sell policies being breached also poses a risk to the reputation of the independent agent who sold the policy. Independent agents should be aware of the history of the carriers they represent. If they have experienced a data security breach, find out how they responded to the incident and what they have done to ensure it does not happen again.

Regulations independent insurance agents should comply with may include:

• Payment Card Industry Data Security Standard (PCI DSS)
• HIPAA/HITECH
• Sarbanes-Oxley
• Gramm-Leach-Bliley Act

Many states have additional regulations, as well. For example, in South Carolina, the S.C. Insurance Data Security Act also applies to independent agents and agencies. This is an important state law that requires all data breaches to be reported to the state Department of Insurance and requires most agencies to conduct a risk assessment.

If you have questions about data security, regulations and/or threats, you should seek professional guidance. There are many data security firms that specialize in working with insurance businesses. The Big “I” or your state trade association are also great resources.

The result could mean significantly higher rates for properties in areas with the highest risk of floods, as well as a much larger number of properties covered by flood insurance overall. Those outcomes should present a significant opportunity for private insurers to penetrate the flood insurance market.

The changes are the most consequential since the NFIP was created, even though the case for reform has long been clear. Premiums collected by the NFIP have been woefully insufficient to cover flood losses for years, creating a gusher of debt that topped $30 billion in 2017.

Much of that can be traced to the structure of the program. Without accurate flood risk models, the NFIP has used a simple approach: only properties located within a 100-year flood zone could purchase coverage, and the rates within a flood zone were uniform. So, for example, a property on stilts half a mile from the ocean is charged the same premium as an oceanfront property.

Building a book of flood insurance business has been incredibly difficult for the private market. The inability to accurately analyze risk and the federal program’s artificially low, taxpayer-supported premiums have been the primary obstacles.

The new risk maps move away from that one-price-for-all approach and designate several levels of risk, which will enable both the NFIP and private insurers to much more accurately calculate appropriate premiums. The expected increase in the national program’s rates will, for the first time, make private carriers competitive.

The new maps also, for the first time, make clear the flood risk for properties that sit outside a 100-year flood zone. Despite the fact the national program only covers those properties, only about 50 percent of all flood-related losses occur in 100-year zones. That represents a lot of opportunity for insurers nationwide, not just those in coastal regions.

At the same time, the changes also provide an opportunity for the private insurance market to finally bundle coverages to create a more comprehensive program for coastal property owners who face the highest risk of hurricanes. (Most hurricane policies today cover wind damage but not flood damage.)

Finally, there is concern that more accurate risk-based pricing could disincentivize new development and/or hurt property values in the highest risk areas. John T. Cook & Associates will certainly pay close attention to this issue over the next year before the new rates take effect, but on the whole we are supportive of the changes. Reforming the NFIP with a goal of stopping the massive annual losses it has incurred while simultaneously providing the private market a legitimate opportunity to compete for this line of business is a win.

A longtime member of the Big “I” and proponent of the independent agency system, Jensen is a former recipient of the Independent Insurance Agents of South Carolina Young Agent and Agent of the Year awards. Jensen previously chaired the national association’s Government Affairs Committee and InsurPac Committee.  And earlier this year, Jensen was sworn in as chairman of the World Federation of Insurance Intermediaries in Rome, the first time a Big “I” representative has been selected for that role.

In an interview with Independent Agent magazine, Jensen said "continuing (the organization's) work in areas like membership, diversity and market share is the biggest goal I could try to accomplish, because those are not initiatives you can ever forget about or claim to be done.

Driving workforce and development is another priority. If we lose focus there, we’ll have greater problems than we thought."

[Photo Credit: Bryan Stovall Photography]

Once you know you are safe, you can begin to assess any potential damage to your home and property. Follow these tips after the storm is over:

• Avoid downed power lines. Never touch anything in contact with power lines, including vehicles, as well as water or water puddles that may be near the downed power lines.
• Be wary of any gas lines that may have been damaged or broken during the storm. If a gas leak is suspected, stay out of the property until the utility company deems it safe.
• Be cautious of hazards that are a product of the storm, such as water due to flooding, sharp or broken objects, insects, snakes, damaged tree limbs, or other structures that may have been damaged by high winds or water.
• Separate and inventory any damaged personal property. Create a list of any damaged contents, including a description of the item, name of the manufacturer, brand name, age, as well as the place and date of purchase, if known. Include photographs, videotapes or personal property inventories you may already have available.
• If you find broken windows or doors, protect your property from further damage by boarding them up. This should deter vandalism and prevent additional weather damage. Arrange for reasonable temporary repairs if possible.
• Keep accurate records of your expenses and save bills and receipts from your temporary repairs. (Avoid making permanent repairs until your Claim Professional has reviewed the damage.) Keep accurate records of any other expenses incurred.
• If you think your home might be unsafe due to storm damage, contact your insurance company to discuss finding temporary accommodations.

Call Your Local Agent

John T. Cook & Associates is here to support you after a hurricane or severe weather event. Contact your local agency as soon as the storm has passed. We will walk you through the process of filing claims, inspecting damage, and beginning repairs. Do not start making major decisions about your property without first speaking to your Correll agent.

If you’re not sure how to reach your local agent, or your agency is part of the damage, check their website or Facebook page for updates. An agent should be available to you to offer advice on the next steps.

What to do before Evacuating

• Prepare a survival kit that includes items such as water (one gallon per person, per day) and non-perishable food for everyone, including your pets; medications; a portable radio; flashlights; batteries; and battery chargers for your cell phones and other portable electronic devices, which can be powered by your car. Plan for an extended period without power. This site has a useful checklist of supplies and other items you’ll want to pack: hurricanesafety.org.
• Plan your evacuation route and leave as soon as possible. You don’t have to wait for the official evacuation order to be issued. Fuel up your car before you leave.
• Communicate about your evacuation plan to others so that family or friends know where you are heading and how to reach you.
• Secure all outdoor objects or move them inside. Take down glass picture frames and anything that may fall. Wrap them and place them in a washer or dryer for safety. Secure all valuables and consider taking them with you. Make sure to take medications, copies of your insurance policies and other important legal documents with you. Secure other important documents in a safe deposit box.
• Close your home’s storm shutters and board up windows and glass doors as appropriate.
• If possible, bring in gas or charcoal grills, but do not use them indoors. Also, do not store propane tanks inside the house or garage. Chain propane tanks in an upright position to a secure object away from your home.
• Secure your boat or move it to a safer place.
• Fill your emergency generator fuel tank, if you have one, and have spare fuel on hand. Store generator fuel in an approved container in a garage or shed, away from open flames, heat sources and appliances such as natural gas appliances.

Do not return to your home until authorities have explicitly said it is safe to do so. Once you are able to return safely, follow our tips for what to do after the storm.

Jensen, who is also Chairman-elect of the Independent Insurance Agents & Brokers of America (IIABA), is the first officer of the Big “I” to chair WFII. His term as chair is for one year.

"I'm honored to be chosen to chair the World Federation of Insurance Intermediaries, which does incredibly critical work globally," Jensen said. "I look forward to working with our World Council and Executive CSE Committee to continue to facilitate great relationships across our various national entities, as well as work together to continue to promote all of the noble and invaluable efforts from our agents to support their local customers and economies."

Jensen has been involved with WFII for several years, and in 2018 he was selected to represent the Big “I” on the federation’s Executive Committee. His involvement as Chairman will continue through the March 2020 conference in Singapore.

Our local insurance agencies all have emergency plans designed to serve you even if we are relocated. Your Correll agent will be able to handle your calls and questions at any time. Check your local agency’s website or Facebook page for regular updates.

Be Prepared to Be Safe.

Follow these steps to ensure you and your family are prepared and safe before and during a severe weather event.

Plan Ahead

There is no substitute for knowing what you are going to do if you suddenly have to leave your home or if an evacuation is ordered. Consider the following:

• Make arrangements to stay with friends or family, or book a hotel room as early as possible. Make sure your hotel room is a cancellable reservation.
• Have a packing list of what you want to take with you (see below for tips).
• If you have pets, make arrangements early. Many hotels will not allow them.
• Place critical papers such as wills, deeds, trusts, etc. in a safe deposit box. Bring phone numbers in case you are separated from your phone.
• Plan what you want to do to protect your home and valuables. Allow enough time to properly secure everything.

What to Do When You Have to Leave

What to Take

Most experts say to plan for a minimum of three days away. This will vary based on the severity of the storm and the amount of damage to your area. Take clothes, medicine, phones and chargers, and a list of key contacts and their phone numbers. This site has a useful checklist of supplies and other items you’ll want to pack: hurricanesafety.org.

When to Return

The safe time to return will be determined by local and state government officials. Do not return until they notify you. Our agencies will have personnel in the area early trying to assess any damage to our clients.

Be Safe

We realize these are trying times. Make sure to use reasonable care in returning. Keep in mind the danger of downed power lines that may still be active. Also, trees that have fallen or are leaning can shift. If a tree is on your home, keep a safe distance from the damaged area as debris may continue to fall. Make sure drinking water has been determined safe by the local officials.

What to Do During a Hurricane

Always evacuate if you are directed to do so or if you feel it might be unsafe to remain in your home. If you choose to remain in your home, follow these tips to help you and your family stay safe during the storm:

• Use a portable radio to listen for important storm updates and instructions.
• Stay inside and keep away from all windows, skylights and glass doors. Go to a safe area, such as an interior room, closet or downstairs bathroom.
• Never go outside the protection of your home or shelter before there is confirmation that the storm has passed the area. The eye of the storm could create a temporary and deceptive lull, with high winds still approaching.
• If power is lost, keep the refrigerator closed to keep cold air trapped and delay spoilage of perishable food.
• If you use a portable generator follow all the manufacturer’s instructions. Generators should be properly grounded to prevent electrical shock and should never be operated indoors, in garages, basements or outdoors near any windows, doors or vents. Because generators produce carbon monoxide (CO), make sure you have a working CO detector in your home.

If you aren't sure you have the insurance you need to protect your home and/or business through a severe weather event, please give us a call. We'd love to talk to you and find an insurance solution to fit your needs.

Indeed, Correll Insurance Group President & CEO Jon Jensen’s experience and optimism make him the perfect person to be in the industry’s most visible leadership role. He will be installed as chairman of Independent Insurance Agents and Brokers of America (Big “I”) later this year. The Big “I” is a national alliance of more than a quarter million business owners and their employees who offer all types of insurance and financial services products.

Being selected by his peers to chair the Big “I” is also a statement about how respected Jensen — and Correll — is in the industry. A longtime member of the Big “I” and proponent of the independent agency system, Jensen is a former recipient of the Independent Insurance Agents of South Carolina Young Agent and Agent of the Year awards. Jensen previously chaired the national association’s Government Affairs Committee and InsurPac Committee. And earlier this year, Jensen was sworn in as chairman of the World Federation of Insurance Intermediaries in Rome, the first time a Big “I” representative who has been selected for that role.

Since getting his start as a 16-year-old producer in his mother’s agency in Florida, Jensen has seen a lot of changes in the industry. In some ways, the environment for an independent agent has never been more challenging. Hiring and retention pressures, increasing demands from carriers and an uncertain political environment are impacting how independent agencies operate and plan for the future.

At the same time, Jensen is as bullish as ever on the future of independent insurance industry. And he believes the Big “I” is an essential part of helping its members navigate the landscape.

“We represent an industry that quite frankly is unparalleled,” Jensen said. We give individuals piece of mind so they can sleep at night (and I don’t mean by reading their policies), the security to build or buy a home, the ability to start and run a business. Our industry in many ways is a driving force of the world’s economy. Our industry is truly a noble career and we have to start talking more and more about that.”

Watch Jensen's testimony, which starts at 8:15, and that of three other experts before the Senate Banking, Housing and Urban Affairs Subcommittee on Economic Policy: