RSG’s Cindy Hogan Reviews the 122nd Annual Insurors of Tennessee Convention

Hello all,

I hope you are having a great start to your week!

Earlier this month I had the pleasure of attending the 122nd annual Insurors of Tennessee Convention in Knoxville, TN. I was joined by Will Warren and Allison Flores from the Nashville office, of RT Specialty.


Will Warren and Allison Flores of RT Specialty, Nashville

The Insurors of Tennessee convention is one of the most exciting weekends of the fall.
The event coordinators at the Insurors of Tennessee were able to secure a block of seats the University of Tennessee vs. Georgia Bulldogs football game on Saturday afternoon. Tennessee won in the final minutes 38-31- what a great way to kick off the convention!

The convention was held at the Holiday Inn World’s Fair Park in Knoxville, which is steps away from Neyland Stadium; football was largely the theme of the week.

The three day convention was filled with several great networking opportunities, including an opening night dinner party, a Wine Pairing and Tasting class and the annual convention Golf Tournament. In addition, throughout the duration of the event there was a designated an area for networking in the Business Lounge.

This show was not only fun, but also a great learning experience, and full of networking opportunities. It was a pleasure working with my colleagues Will Warren and Allison Flores of RT Specialty.

Thank you again to everyone who took the time to speak with me at this event. I’ll see you next year!


Cindy Hogan

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Cindy Hogan Attends the Big I Day of Sacramento

Hello all,

I hope everyone is having a great October. This month has kept me busy with several tradeshows; I look forward to sharing my experiences with you!

In early October I attended the Sacramento I Day Convention. I was joined by two individuals from the RT Irvine office, Brian Hammond and Nicolas Bertole.
I love Sacramento, and we were fortunate to have the perfect fall day in downtown Sacramento. The event is held at the doorstep of the beautiful California State Capital Building.

The Keynote Speaker was Jim Pelley, who spoke on “Laughter Works”. Jim put a humorous twist on the insurance industry and some of the issues we deal with every day. His speech took a lighter approach to several complex issues in the insurance industry.

In addition there were several other informative seminars such as, How to Become a Customer Centric Agency, USL&H Workers Comp Workshop and The Changing Nature of D&O Liability.

It’s always great to be back in California, and thank you to everyone who I had the pleasure of speaking with. This is one of the several conventions I look forward to each year.


Cindy Hogan

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RSG’S Cindy Hogan reviews the Independent Insurance Agents of New Mexico Convention

Hello all, and Happy October,

I spent Thursday and Friday of last week at the Independent Insurance Agents of New Mexico Trade Show at the Iselta Casino and Resort in Albuquerque, NM.

IIANM is without a doubt one of my favorite shows to attend. The event is held in a casino, so as you could imagine, everyone is in a festive mood! This is the only trade show that hosts line dances and karaoke during show hours!B+W New Mexico

The opening day of the Convention kicked off with a Golf Tournament followed by a Welcome Reception. The second day was jammed packed with several informative and breakout sessions, an industry luncheon, the Trade Show and a farewell dinner.

I spoke with several agents that mentioned that they use our website to find various MGU’s, and also they receive our electronic newsletter, eSource, which is always great to hear. It was great to have the opportunity to meet those individuals.

Thank you to everyone who took the time out of their day to speak with me.
Until next year New Mexico… I’m already looking forward to it!


Cindy Hogan

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RSG’s Cindy Hogan Reviews The 2015 Independent Insurance Agents of Iowa Convention

Hello all,

It’s been a few weeks since my last tradeshow, but things are picking up again over the next week as we head into last half of September and early October.

This past week I had the pleasure of attending the convention at the Prairie Meadows Casino & Resort in Altoona, IA.

The two day convention featured several informative sessions and speakers including, Steve Anderson, President of Anderson Network, Inc. Steve’s session was titled “Agency of the Future”. Steve drilled down on the steps an independent agent should take to be efficient and relevant in the future in the Industry today, and in the future. All of the steps involve further use of technology. He did a great job bringing everyone into the fold in an enthusiastic and fun way.

Other sessions included: Run Your Agency Like a Boss, Understanding Workers’ Compensation Classification Codes and Experience Modification.

Throughout the convention, I encountered several networking opportunities with agents in need of agricultural markets. Iowa is essentially a mirror of Indiana- both in terrain and business profile. I also made some new friends discussing RSG UM’s Alternative Energy capabilities as well as our Cyber Liability products.

I had a great time meeting with several insurance professionals, and thank you to everyone I had the pleasure of speaking with.

Cindy Hogan

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Cindy Hogan Reviews the 81st Annual IIABAZ Convention

Hello all,

I hope you all are having a great week. It’s hard to believe that we have already reached late August, summer has flown by.

This past week I had the pleasure of attending the 81st annual IIABAZ Trade Show which was held at the Arizona Biltmore in Phoenix, Arizona. I was joined by Brian Haymond from RT Specialty Irvine office and Jake Gibson from RT Specialty Scottsdale.

Phoenix certainly lived up to its reputation of being the hottest city in America. Temperatures hovered around 110 degrees throughout the week. If you aren’t from the region, the extreme heat definitely takes some getting used to.

The convention featured several informative sessions including, The Data Breach Debacle, featuring speaker Paul Stoller from Gallagher & Kennedy of Phoenix. This session included a case scenario of a data breach, which allowed attendees to follow along and familiarize themselves with the steps to mitigate the damages of this risk.IIABAZ

Some of the other sessions included: Good Claims Gone So Very Bad, It’s All About Personal Lines, Tips ‘N Tricks To Competitive Commercial General Liability and Workers Compensation Classifications.

The convention also included a wonderful industry appreciation breakfast and installation & awards luncheon, a golf tournament and of course the tradeshow.

This region of the country has many energy opportunities; I had the opportunity to speak with several individuals from the Phoenix area about RSG’s subsidiaries PerSe and GSR.

As always, the IIABAZ was a great convention, full of great networking opportunities. Thank you to everyone I had the opportunity to meet and speak with this past week, it was a pleasure.

All the best,

Cindy Hogan

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Cindy Hogan Reviews the 45th Annual LAAIA Convention

I had the pleasure of spending the past week in South Florida at the 45th annual LAAIA insurance convention, held at the Diplomat Resort & Spa in Hollywood, Florida. Although a bit hot, Florida certainly held up to its reputation of great weather. We had sunny days the duration of the convention, and temperatures hovered around the low 90’s throughout the week.

The four day convention was filled with several great networking opportunities with company representatives. Attendance this year exceeded expectations, with above average onsite agent registration. I had the pleasure of sharing our booth with Alan Goldfarb, David Rabindranauth and Emily Llera from the Brandon, Florida office of RT Specialty.

In addition to the trade show, there were numerous informative sessions such as Property & Casualty: 5-Hour Law and Ethics Update, Cyber Liability Decoded, and Fraud in the Insurance Application Process. Beyond the trade show and sessions there was a golf tournament, several luncheons, and a Roaring Twenties themed closing celebration!
My biggest take away from this past week was discovering how competitive property pricing, and wind coverage is in Southern Florida. Both rates and deductibles are on the decline, and more carriers are jumping into the market.

LAAIA Convention 1I had a great time meeting with several South Florida insurance professionals thank you to everyone I had the pleasure of speaking with. I look forward to doing this all over again next year!

All the best,
Cindy Hogan

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Hurricane Katrina…Ten Years Later

August marks the 10th anniversary of Hurricane Katrina, the costliest storm in U.S. history, which left behind over 41 billion dollars in property damage. While the hurricane itself has found its way into history books, the aftermath continues to haunt the city of New Orleans and various parts of gulf region.

Hurricane Katrina made landfall along the gulf coast on August 29th 2005, taking the lives of nearly 2,000 people and devastating over 90,000 square miles. Nearly 80 % of the city of New Orleans was left submerged when the levees and flood walls failed.

A decade later, the region is still recovering from damages left behind, and discovering new damage such as sinkholes due to infrastructure issues as a result of Katrina. These ongoing issues will likely take years and millions of dollars to repair. Hurricane Katrina forever changed the way we think about and manage catastrophe risks. Here are three valuable tips to consider in the event of any natural disaster:

1. Develop a Comprehensive Plan- Always have an emergency plan in place, and rehearse it at least once a year so everyone is prepared when disaster strikes. This plan should address policies and procedures for employee safety, business continuity, emergency functions and who will perform them, a complete inventory of your business and contingency plans in the face of damage to facilities. Digital copies of important documents- such as HR and insurance documents, etc. should be part of your plan.

Establish a communications policy between you and your employees. After Katrina, telephone networks failed due to high call volumes. Consider acquiring an emergency communication system.

2. Review Your Policy- You shouldn’t wait until disaster is at your door. It is imperative that policy holders understand their policy and what it covers. Typically once a storm warning is issued, or as soon as disaster has struck, insurance companies doors are closed to new business.

3. Submit a Claim to Your Insurance Carrier- After Hurricane Katrina business owners had a difficult time documenting and preparing their business interruption claim for their Insurance Carriers.

We asked Mike Pilla, President and CEO of Technical Risk Underwriters (TRU), part of Ryan Specialty Group’s RSG Underwriting Managers, for his thoughts on submitting claims to your Insurance Carriers.

“One thing that is important to remember is keeping a copy of financial information backed-up in a secure environment.” said Pilla.

Please note that insurance policies do not define what documents are needed in order to present a BI claim. Most policies do include endorsements that provide the insurer with the ability to audit and inspect the insured’s “books and records”. The best thing to do is meet with your insurance adjuster early in the claim process. The Insurance Company adjuster or accountant can identify the documents that they would like to review to support your claim.

Most policies provide some coverage for claims preparation cost. You should hire your own professional and independent accountant to help you prepare the claim and anticipate questions from the insurer.

3. Secure and Protect Your Assets- Ensure all facilities are secure in the event of an emergency, including the exterior of the facility if that is a part of your responsibilities. Be sure to place all valuable equipment and materials in a safe and secure location. Inspect building utility systems to prevent unauthorized access. Train all employees on how to operate building systems so they can shut down systems and/or implement shelter in place if necessary.

Natural disasters can take a devastating toll, but being prepared can lighten the burden. The question is not if another natural disaster of the same magnitude of Hurricane Katrina will strike again, but rather when and where…

To read more about Hurricane Katrina, and recovery efforts over the past 10 years, please visit this gallery of then-vs-now photographs provided by CNN.

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