Big I Indiana CE Day (1/25/2021) 

Big I Indiana CE Day

Join us on Tuesday, March 30th for Big I Indiana CE Day and earn up to eight P&C CE credits online in just one day. In partnership with the Big "I" Virtual University, take as many or as few classes as you like and save 25% per class with promo code BIGIINCEDAY!

Why Business Income is the MOST Important Property Coverage

8:00 am to 10:00 am Eastern

Business income is the most undersold property coverage - perhaps because it's the most misunderstood and scary - but businesses exist to make money and without income, the business ceases to exist. In reality, business income is quite simple once the basic concepts are understood. This Big "I" Virtual University webinar will teach you to:

  • The four key business income concepts
  • Major business income policy provisions
  • How to calculate coinsurance, the period of restoration, and coverage amounts


3 Keys to Getting the Named Insured Correct

10:30 am to 12:30 pm Eastern

Before any claim is paid, status as an "insured" must exist. Is the person or entity suffering or causing loss, injury or damage an insured? If the answer is "no," there is no need to go any further. If "insured" status does not exist, all your hard work is wasted; no one will ever find out how good you are at designing coverage - because you messed up at the beginning. If you mess this up, you will have a ticked off insured and maybe an E&O claim you never expected. You have to get this one detail - the named insured - correct. Participants in this 2 hour class will be able to:

  • Identify improperly named insureds
  • Understand the amount of protection extended to an insured
  • Describe the technical difference between a "DBA" and a "TA"
  • Explain why one "person" can't do business/trade as another "person"
  • Properly manage multiple named insureds.



Properly Calculating & Insuring Business Income Exposure

1:00 pm to 3:00 pm Eastern

Business income (BI) is the most important property coverage available. Businesses exist to make money and without income, the business ceases to exist. BI ensures there is a flow of income until the business is once again operational. During this session, attendees will learn the hardest lesson surrounding BI - how to complete the business income worksheet (CP 15 15). This Big "I" Virtual University webinar provides you with:

  • A description of three key BI concepts - business income, period of restoration, and the "time doctrine"
  • A step-by-step tutorial for completing the Business Income Worksheet (CP 15 15)
  • An explanation of the difference between "insurable" and "compensable" business income
  • A discussion about extended business income and how to insure the additional loss of income that occurs once the business reopens
  • A few pointers about dependent property coverage.


Rules for Developing the Correct Premium

3:30 pm to 5:30 pm Eastern

Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends. Since agents are often caught "in the middle" of an audit, they need to understand all the facets involved. This 2 hour Big "I" VU webinar discusses:

  • The who, what, and how of commercial general liability audits
  • The who, what, and how of workers' compensation audits
  • The various entities and agencies involved in creating premium audit rules and guidelines
  • Who is and is not included in audits
  • Some highlights of commercial auto and garage audits
  • The "ABC's" or rules of premium audits.


Your instructor for these webinars is Big "I" Virtual University Executive Director Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS



With all VU webinars, you receive a link to the on-demand recording within a day or so of the live event which you can rewind and review as often as you like to help you grasp all of the important concepts covered. The Big I Virtual University also offers an Ask an Expert service, expansive Research Library, and much more.

 Smart Choice, Big I Join Forces in Indiana (1/7/2021) 

Smart Choice, Big I Join Forces in Indiana

Smart Choice® Indiana and Big I Indiana have joined forces to give Big I member agents in the state access to the numerous benefits offered by the nation’s fastest growing agency network. 

“With this new partnership, Big I Indiana members will have access to top-rated insurance companies, product training, sales, and marketing support through Smart Choice,” said Luke Royal, Smart Choice State Director for Indiana. “It is clear that the Big I Indiana and Smart Choice share a similar vision – to ensure the success of independent agents. Big I members can now access the fastest growing agency network in the nation and have confidence that no matter what challenges they face, they have the unwavering support of two great organizations they can trust.” 

Smart Choice offers a wide range of products and services to its partner agencies, including access to personal, commercial and life markets, in addition to business builder and business saver products. Currently serving over 8,000 agents in 45 states, Smart Choice has agreements with more than 100 nationwide and local carriers. Smart Choice agency partners write more than $8 billion in premium annually.

“Big I Indiana is excited to announce our partnership with Smart Choice Indiana,” said Steve Duff, CEO of Big I Indiana. “We constantly strive to provide services to our members that help them perform better and more efficiently for their clients. Smart Choice fits this bill perfectly by providing market access, training and marketing support for those Big I Indiana members that need it. Smart Choice will provide our members with the highest level of products and service as they navigate the ever-changing insurance marketplace, and we are excited to provide this service to our members.”

Indiana agents interested in learning more about Smart Choice can contact Smart Choice State Director Luke Royal, 812-213-4858 or, Big I Indiana Director of Education and Events Megan Vaught, 317-228-3028 or, or Big I Indiana Sales and Membership Manager Dave Moore, 317-228-3303 or

 Election Results: Property Damage Coverage Issues (11/3/2020) 

Election Results: Property Damage Coverage Issues

By Chris Boggs, the Big I’s Executive Director of Risk Management & Education

News reports from across the country tell of retailers boarding up their buildings in attempts to curtail damage from rioters post-election. From an insurance perspective, are there any coverage issues these retailers should consider?

Insurance coverage questions asked over the past several days in preparation for the election have center around several common terms:

  • Riot,
  • Civil unrest,
  • Insurrection, and even
  • War.

Each read similarly, “If my insured’s property is damaged by (fill in the blank from above), is there coverage? Understand that no (or very few) coverage question(s) is/are answered with a simple “yes” or “no.” There is always a “however.”

But where possible, the “however” is avoided in this short article. Simply put, yes, there is coverage in the Insurance Services Office (ISO) Causes of Loss – Special Form (CP 10 30) for any loss caused by disgruntled groups following the election – regardless which of the above terms is used.

Following is an individual yet very quick review of each potential “cause” presented previously. This review explains why coverage does exist.


Notice that riot is not excluded in the CP 10 30. In the Special Form, a loss is covered unless it’s specifically excluded. As further proof, the Broad Named Peril form (CP 10 20) specifically COVERS damage caused by riot; it’s illogical to think that a named peril form would provide more coverage than an open peril form. Thus, damage caused by riot is covered in the unendorsed CP 10 30.

Civil Unrest

This term is not found in any ISO cause of loss form, as covered or excluded. Since it’s not excluded, any damage arising out of “civil unrest” must be covered. But what is “civil unrest”? Essentially, it can be classed with riot. The broad named peril policy uses the term civil commotion – which is specifically covered. Again, damage caused by civil unrest (civil commotion) is covered by the unendorsed CP 10 30. 

War and Insurrection

These exclusions raise a few eyebrows because both causes are specifically excluded within the Special Form (CP 10 30):

f. War And Military Action

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.

Can the actions of malcontents be considered war? It is unlikely that such actions meet the intent or meaning of the war exclusion.

War is defined, in part, by Black’s Law Dictionary to mean, “Hostile conflict by means of armed forces, carried on between countries, states or rulers….” Notice that a war involves and requires organized and armed governmental authorities with a common agenda.

Participants in these protests and riots are largely unrelated groups without a common leader, direction or goal. The actions do not appear to be within the meaning of war, nor do they appear to active the war exclusion.

But do these acts qualify as an “insurrection” triggering the insurrection part of the exclusion? First, what is an insurrection and who is an insurrectionist?

  • Insurrection: A violent revolt against an oppressive authority, usually a government. “Insurrection is distinguished from rout, riot, and offense connected with mob violence by the fact that in insurrection there is an organized and armed uprising against authority or operations of government, while crimes growing out of mob violence, however serious they may be and however numerous the participants, are simply unlawful acts in disturbance of the peace which do not threaten the stability of the government or the existence of political society.” (Black’s Law Dictionary)
  • Insurrectionist: A person who takes part in an armed rebellion against the constituted authority (especially in the hope of improving conditions) freedom fighter, insurgent, rebel.

Based on the supposed purpose of the threatened protests, the acts do not appear to qualify as acts of insurrection, nor are the participants insurrectionist. The various groups are not necessarily organized and often don’t have a singular goal. Note again the meaning of “insurrection” taken from Black’s Law Dictionary.

Two legal concepts also apply to limit the application of the insurrection exclusion: Noscitur A Sociis and/or Ejusdem Generis. Both concepts essentially state that a term within a list is judged by the words around it and are not given their broadest possible meaning. More specifically, these concepts are defined as follows:

  • Ejusdem Generis: Latin meaning, “of the same kind.” In the construction of contracts, when certain things are enumerated, and then a phrase is used which might be construed to include other things, it is generally confined to things of the same type. General words are not to be construed in their widest extent but are to be held as applying only to persons or things of the same general kind or class as those specifically mentioned.
  • Noscitur A Sociis: Latin for, “the meaning of a word may be known by its accompanying words.” The word or phrase is defined in its context.

Based on these legal concepts and given the context of the term “insurrection,” it’s apparent that the exclusion applies only when there is armed conflict in an attempt to revolt and/or overthrow a government by the actions of another recognized government or militia. Even if the “overthrow of the government” is a stated goal of one of these protest groups, they are not a government or state-sanctioned group, they are just malcontents mad because they didn’t get their way.

As stated earlier, there does not appear to be any specific exclusion in ISO’s unendorsed CP 10 30 (Causes of Loss – Special Form) applicable to any protests arising out of the election results. Don’t let news media accounts of “insurance issues” scare clients.

 The Schoens: A Family with a Heart for Service (10/29/2020) 

The Schoens: A Family with a Heart for Service

If there’s an organization in Benton County that accepts volunteers, the Schoens have probably given their time to it. From school, bank, and library boards to the rotary club, the volunteer fire department and the local movie theatre, the Schoen men have served in every capacity

Jim Schoen and his two sons Blake and Taylor, own Hoosier Associates in Fowler, Ind. Their hearts for service are evident in their small community, but they don’t stop there. Each of the men has worked hard to give back to their industry as well. Since joining his family’s agency in 1979, Jim has been attending Big I Indiana events, starting with the Young Agents’ conference that year and continuing for decades. He served on the Big I Indiana board and then went through the executive committee chairs, becoming the president in 2008. His sons have followed in his footsteps. Blake currently serves on the education committee and Taylor is the chair of the Emerging Leaders (formerly Young Agents) committee.

“The leadership skills I learned during my time with the Big I have been extremely beneficial in my dealings in other organizations I’m involved with,” said Jim. Through their involvement with the association, the Schoens have made lifelong connections. “Friendships are a huge part of the Big I. You can talk to those people and bounce things off of them. If I can’t write an account, maybe someone else can and you trust them, so you’re not in competition with them. It’s very valuable,” Blake explained.

For anyone just joining the industry, the Schoens encourage them to find a mentor and give themselves at least five years in the business. “It takes time to build relationships, but each year you get new referrals as your network grows,” Taylor said. “It takes time to become comfortable and confident in the industry, but the long-term benefits are worth it.” 

The Schoens approach their business a bit differently than some agencies. They handle it in the same way they do most things, making it personal, and taking the time to get to know each prospective client. “We have a hands-on approach because we want to know your family,” Taylor said. “We don’t email quotes; we sit down and talk through each client’s options.” That method has worked well and the agency has continued to grow through the decades. Much of their business is based in agriculture, but they cover everything and are now one of only four agencies in the county. Since two of his sons have joined the agency, Jim is now confident that his perpetuation plan is solid and they will continue to be able to serve the people of Benton County and beyond for decades to come.

 National Big I Recognizes States' Legislative Efforts (5/14/2020) 

National Big ‘I’ Recognizes States' Legislative Accomplishments

For many independent agents, political activism is part of daily life—not just a once-a-year visit to Washington, D.C. Today, during the 2020 Virtual Big “I" Legislative Conference, the Big “I" presented three awards to honor legislative involvement in the states.

The Big “I" gave the 2019 Sidney O. Smith Award—the association's highest honor for legislative activism—to Chris Heidrick, principal, Heidrick & Company, Sanibel, Florida. Heidrick has been chair of the Big "I" Flood Insurance Task Force since 2014. As one of the foremost experts on this issue, he has been called upon numerous times to testify before Congress on behalf of the Big "I." Members of Congress have sought out his expertise on the issue as they grapple with reforming and modernizing the NFIP. Heidrick is a perennial participant in the Big "I" Legislative Conference and state lobbying days. Year after year he is also a major donor to InsurPac while encouraging others to participate as well.

The 2019 Herndon Award went to the Independent Insurance Agents of Indiana (IIAI) for successfully encouraging members to run for state elected office. The IIAI has members in both the state Senate and Indiana House of Representatives, including the Majority Leader. The state association has consistently increased its support for InsurPac, including an increase in its number of major donors. Additionally, IIAI has increased the number of agents that attend the Big "I" Legislative Conference year in and year out and successfully and effectively launched grassroots when called upon.

Finally, the Big “I" also honored Greg Sandrock with the 2019 Barney Burns Award for tireless advocacy for political involvement, not just in his state, but throughout the country. As chair of the Big “I" Crop Insurance Task Force, he has specifically engaged crop insurance agents to be greater supporters of InsurPac, as well as to attend the Legislative Conference. In her presentation earlier today, Rep. Cheri Bustos (D-Illinois) recognized Sandrock for his work. She thanked him for “representing Illinois on the Big 'I' Board and for your work on crop insurance." Sandrock has traveled on his dime to heavy crop states to speak at various conventions and conferences, all while educating attendees about what the Big "I" is doing to protect the Federal Crop Insurance Program and why political engagement is so important to keep lobbying effort strong.  He has used those venues to encourage InsurPac support, putting his money where his mouth is by maxing out each year himself.

 Big I Legend Ron Smith (4/14/2020) 

Big I Legend: Ron Smith

By Melissa Hall

“I’ve always been all in on my job, the association, and my family.” That’s Ron Smith in a nutshell. If you’ve met him and worked with him, you can’t help but respect him. In 1969 his life catapulted him forward. In the span of a single year he graduated from college, married his hometown sweetheart Maurine, got his insurance license, joined the family agency, Smith Sawyer Smith, Inc., and learned he was going to become a father. Those huge life milestones came in rapid succession, but Smith took them in stride. In the 50 years that have passed since then, his rich career in insurance has taken him from trips to Tokyo to a chat with President Bill Clinton in the oval office. He received one of the industry’s highest honors, the IIABA’s Woodworth Memorial award, after serving on the national level and was given the Harry P. Cooper, Jr. award by his Indiana peers. He has testified in front of Congress and the National Association of Insurance Commissioners, but his start was much humbler than those later achievements would indicate.

When Smith’s mother’s family started the agency in the 1930s it was originally called Jones and Jones. Since then it has grown through the addition of family members and a talented staff. Smith was the first of his siblings to join. He was fresh out of college and he’d received a few job offers from companies, but working at his family’s agency allowed him to return home from Bloomington, where he’d attended Indiana University, and start his family in the area where he’d grown up.

His father, Wayne, set a wonderful example for him. From his earliest years as an agent he constantly strove to emulate his father’s dedication to his community and his clients. “I was driven to do anything I could for somebody. That’s the way I was raised,” Smith explained. “I had a great mentor in my Dad. He really helped pave my path.”

Smith’s experience taught him the value of having a great mentor and he has continued that legacy. “Ron's presence is still felt within the industry today, and will be greatly felt into the future. Personally, he has helped me find my footing in our agency,” said Ryan L. Zimpleman, MSM, Smith Sawyer Smith Agency. “He took a chance on me, and I will always thank him for that opportunity. “He has been an excellent ambassador for our industry, but he has proven to be more than that; he’s a good man.”

As Smith grew as an agent, he started a decades-long commitment to giving back to his industry and community. He got involved with the Kiwanis, chamber of commerce, and the Big I. His activism helped shape his career as he saw the insurance trends play out on the national level. Smith was elected to the national executive committee in 1993 after serving on the Indiana Big I executive committee and as the Indiana state national director. While serving as the national association’s president he traveled around the country attending Big I conventions in almost every state. “It gives you a whole new perspective,” he explained. “Every place is different and you learn that you have to adapt to survive.”

From Alaska to Hawaii, east coast to west, he spoke with agents who faced similar struggles to those in Indiana and he saw agencies tackling other issues that demonstrated our state’s strengths and weaknesses. Over five years, he helped spearhead the creation of Trusted Choice, the brand that unites independent insurance agents. He also spent five years serving on the state government affairs committee and working with the National Association of Insurance Commissioners.

His time serving on the national level highlighted the importance of what Big I lobbyists do in Washington D.C. He watched the fruits of their labors trickle down through the entire country and saw how critical that role is to creating a healthy insurance climate. “Ron Smith is the gold standard when it comes to political advocacy. Over the years he has spent countless hours advocating for the independent agency system at the national, state and local levels,” said Nathan Riedel, the national Big I VP of political affairs. “Whether encouraging participation in political action committees or grassroots, Ron truly understands the value and effectiveness of agent participation, which at its core is the strength of our national and state associations.” 

Despite the many changes he’s witnessed in the industry over the years, he still believes that an agent’s goal should be to connect directly with their clients. “I think we should be as personal as we can with as many people as we can,” Smith explained. It’s that personal aspect that has kept Smith Sawyer Smith so deeply rooted in its community. The agency had one account that was opened in 1948. Smith took over its management from his father and in the decades that followed he continued to handle it, even when the business grew and was sold, first to a company in Lafayette, then to one in Japan, and eventually to Germany. Through all of those transitions, the account remained in Smith’s hands because each new owner recognized his expertise. While it was headquartered in Japan he was even asked to serve on the company’s board for 13 years, which included traveling to and from Asia for meetings each year.

After that experience, international travel became a passion for both Smith and his wife, Maurine. “I think travel changes your perspective so much,” he said. “It’s incredible!” After years of work and serving others, the pair loves having the chance to enjoy this sweet stage of life together. Smith vividly remembers seeing his wife of 50 years walking across the street before they were dating. In a moment that seems straight out of a movie, he knew that was it and a year later they were married.  Now their family has grown to include four grandchildren and as Smith begins to step back from his work, he feels blessed to be able to focus on them. He said, “It really is an incredibly rich life.”

The Big I Legends series features individuals who have had a positive impact on our industry through their hard work and dedication. If you’d like to nominate someone, please email Melissa Hall at

Ron Smith (back right) with his son Craig and father Wayne. 

Smith with his family.

Smith meeting President Bill Clinton.

Golfing with his son and grandsons in Scotland.

Smith with fellow Big I member, Todd Jackson. 

Industry friends, L-R, Ron Smith, Hugh McGowan, Steve Duff, Marty Wood, and Kevin Kelly.


 ICRB Response to Coronavirus (COVID-19) (3/27/2020) 

ICRB Response to “Stay-At-Home” Order

To help combat the spread of the coronavirus (COVID-19), Indiana’s Governor Eric Holcomb issued a mandatory ”Stay At Home” order, in effect through 4/6/2020. The safety, health and well-being of our associates, families and community remains our highest priority. The ICRB has taken measures that are consistent with recommendations made by global and local public health officials.  All ICRB personnel are working remotely from their homes until it is safe to return to our offices. 

During this period of remote work, ICRB staff are available to you by email and telephone (at their office number) as we satisfy our statutory and regulatory obligations and deliver on our mission to our workers’ compensation stakeholders. We know that our customers have become accustomed to and expect a high level of service from the ICRB, and we will continue to deliver it during these uncertain times. Please rest assured that we will work tirelessly to avoid any service disruptions. We will monitor events closely and take all necessary steps to keep our staff healthy. 

Moratorium on Policy Cancellations:

On 3/26/2020, Insurance Commissioner, Stephen W. Robertson, issued a moratorium on ALL policy cancellations. This moratorium states that no policy can be cancelled for any premium payment due between 3/19/2020 to 5/18/2020. This action was taken as a direct response to Governor Holcomb’s declaration of a public health emergency in Indiana via Executive Order 20-05 which was issued on 3/19/2020. 

Note: The moratorium applies only to cancellations and non-renewals attributed to a failure to pay premiums. If a policy is to be cancelled or non-renewed for any other allowable reason, the cancellation or non-renewal may be made pursuant to the statutory notice requirements.

For full details, refer to the Department’s Bulletin 252

Nature/Cause of Injury Codes: 
In response to COVID-19, ICRB has been working in collaboration with the Workers Compensation Insurance Organization and NCCI to establish an Extraordinary Loss Event (ELE) code. Unit Statistical reporting requirements for claims attributable to COVID-19 have been recommended as follows: 

Catastrophe Number = 12
Nature of Injury Code = 83 (COVID-19)
Cause of Injury Code = 83 (Pandemic)
Accident Date = 12/1/2019 or subsequent

The industry is still evaluating the following for the impact and treatment of COVID-19 claim data:
Submission of a national item filing to add new code 83 for Nature of Injury and Cause of Injury in the Statistical Plan for Workers Compensation and Employers Liability Insurance
Establishing the ending Accident Date for Catastrophe Number 12
Use of COVID-19 claims in Experience Rating and Ratemaking
Applicable edits and validation

Note: The reporting of new code 83 for Nature of Injury and Cause of Injury is contingent upon approval from the Indiana Department of Insurance following our Item Filing. 
Once filed and approved by the Indiana Department of Insurance, a Circular will be provided to outline those requirements for Unit Statistical data, Financial Call data, Indemnity Data Call, and Detailed Claim Information.

Assigned Risk:
With so many businesses impacted by COVID-19 and Indiana’s “stay-at-home” order, we understand it may be difficult for Servicing Carriers to meet their Servicing Carrier Performance Standards during this time. As such, we are asking that Servicing Carriers take appropriate actions when providing services to policyholders; to include audit, loss control, policy issuance and claims administration functions. 

If Servicing Carriers are not able to complete audit or loss prevention surveys as a result of concerns from the COVID-19, either from the policyholders or your own internal procedures, please document your files accordingly.  

ICRB expects normal procedures to resume once the current COVID-19 situation subsides. 

These are unprecedented times, but the workers compensation community is strong. ICRB is here and ready to help you with your business needs. We look forward to continuing our work together and wish everyone health and safety.

Karen H. Byrd
President & CEO
Indiana Compensation Rating Bureau 

 E&O and COVID-19 (3/24/2020) 

E&O Risk Management and the Coronavirus (COVID-19)

By Swiss RE Corporate Solutions

You are all very aware of the events of the last several weeks and the Coronavirus. We are not health experts and there are many others more qualified to give you that advice. We CAN, however, give advice regarding how to reduce the likelihood of an errors and omissions exposure as a result of this event. We have already become aware of some attorneys who are trying to take advantage of this situation for monetary gain against insurance agents. Our advice during this event is no different from what we have said in the past.  If your agency has developed good practices, you will be better positioned to avoid problems.  Here are the practices of a good insurance agency:

  • DON’T MAKE CLAIMS DECISIONS! Let the insurance carriers do that.

  • DON’T ADVISE YOUR CUSTOMERS IF CORONAVIRUS related claims are COVERED OR NOT! Let the insurance carriers do that.

  • If a carrier takes the position that losses arising from the Coronavirus are not, or may not be covered, do not engage in advocacy asserting that "We thought it was covered..." That will simply be used by your client to prove that you knew the client wanted coverage for perils like the Coronavirus, but you failed to procure coverage.

  • Report all claims and potential claims to EACH AND EVERY CARRIER that could potentially have a policy that could apply. This includes CGL, Personal lines, Umbrella, Excess, Workers Compensation, Specialty and any other policy in place for your customers.

  • USE THE RESOURCES PROVIDED TO YOU BY THE IIABA. Follow this link to the Coronavirus webpage. It is a valuable resource for you, your staff and your agency that provides many sources of information.

  • Be empathetic, but don’t tell anyone that something is covered or not. You can continue to tell them you feel sympathy for all affected by the Coronavirus, but customers MUST report a claim to their insurance carrier to determine if there is any coverage for the event.

  • Remember, if you executed an agency agreement with one or more insurance companies, you MUST report all claims or potential claims as required by that agreement, even if your customer tells you not to do so.

  • Maintain vigilant contact with your insurance carriers to determine what action THEY want you to take.


  • Assume that any telephone conversation with your customers or carrier claims representatives ARE BEING RECORDED. While some states prohibit the recording of telephone conversations without advising that they are doing so, IT DOESN’T STOP SOME PEOPLE FROM DOING SO.

  • If you use social media for your business, make sure it is up to date! Do not make any promises that something may or may not be covered by insurance companies and policies.

  • DO NOT GIVE ANY STATEMENTS, RECORDED OR OTHERWISE, WITHOUT FIRST CONTACTING YOUR E&O PROVIDER. The Swiss Re Corporate Solutions/Westport Insurance Company/First Specialty Insurance Company claims staff are available if you have any questions about any communications you receive.

  • If you have a conversation with your customer that leads you to believe they may be fishing to make a claim against you, DO NOT HESITATE to contact our claims department.

  • DON’T MAKE CLAIMS DECISIONS! DON’T ADVISE YOUR CUSTOMERS IF SOMETHING IS COVERED OR NOT! Let the insurance carriers do that. We know this was stated before, but it must be ingrained in your mind.

  • If the Coronavirus ends up being declared a "catastrophe" by the ISO Property Claims Service, you may be eligible under your Westport policy for "Cat Extra Expense" benefits:

"CATASTROPHE EXTRA EXPENSE. We will pay up to $25,000 per catastrophe subject to a per POLICY PERIOD aggregate limit of $50,000 for the actual extra expenses incurred by you as a result of a catastrophe during the POLICY PERIOD beginning on the date of a catastrophe and for thirty (30) days thereafter. The extra expense incurred must be incurred by you only to assist in the insurance claims processing needs of your customer(s) who have been affected by the catastrophe. The catastrophe must be a declared catastrophe by the Property Claims Services. A $500 deductible for each catastrophe shall apply. Limits provided by this paragraph are part of and not in addition to the limits provided by this POLICY."

We hope that this will help you as this event progresses. If you should have any questions, please let us know.

This article is intended to be used for general informational purposes only and is not to be relied upon or used for any particular purpose. Swiss Re shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained or referenced in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, accounting or professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article do not necessarily represent the views of the Swiss Re Group ("Swiss Re") and/or its subsidiaries and/or management and/or shareholders. 

Copyright 2020 Swiss Re


 Coronavirus: Member Info and Resources (3/17/2020) 

Coronavirus: Member Info and Resources

The members of the Big I Indiana are at the center of everything that your association does for you. We understand that we have all entered uncharted waters with regard to the Coronavirus outbreak and our utmost concern is for the well-being of all of our agencies and employees.

Cancellation of Events and CE

It's probably no surprise to you that due to the virus, Big I in-person events will be cancelled or rescheduled, likely through May. We are closely monitoring this situation and will keep registrants updated about all events that are scheduled in the coming weeks. The National Alliance (CIC/CRM, etc.) is also offering a case-by-case review for extension requests by contacting them directly at (800) 633-2165.

Meanwhile, we have plenty of web-based CE options which may be particularly helpful during these next few weeks and we will be sending an email with detailed information in the coming days.

Indiana Auto Insurers Offering Premium Savings Programs to Help Hoosiers Due to COVID-19 Pandemic

Indiana Department of Insurance Commissioner Stephen W. Robertson recently approved requests from several auto insurance carriers to offer refunds, credits and other programs for consumers due to the COVID-19 pandemic. The total estimated amount of savings to consumers is over $129 million dollars. Indiana is already one of the states with the lowest auto insurance rates. 
“I want to personally thank all of the auto insurers who have stepped up to help Hoosiers by offering discount, refund and credit programs during this pandemic,” said Commissioner Robertson. 
A list of companies offering a program for their customers due to the COVID-19 pandemic can be found on the Indiana Department of Insurance COVID-19 Actions, Auto Insurance Rates.

 Big I Members Get Free Access to ACORD Forms (11/26/2019) 

Big I Members Get Free Access to ACORD Forms

First a significant tax cut and now ACORD forms. Your association is constantly working to benefit you where it helps the most: your bottom line.

Beginning January 1, 2020, ACORD will begin charging all users of ACORD forms a fee. Currently, most users of ACORD forms have access via their agency management systems. In light of this development, the Independent Insurance Agents and Brokers of America (IIABA) negotiated an agreement with ACORD whereby your association will pay ACORD an annual fee for use of the forms, and all Big I member agencies with $50 million or less in revenue will have "free" access to the ACORD forms. This is a new and significant benefit for Big I members!

"Industry-standard forms are a critical component of an independent agent's business," said Bob Rusbuldt, Big I president & CEO. "With this licensing program, the Big I is helping our members improve their operational effectiveness. We are proud to play a key role in facilitating the delivery of these assets to our members and to further enhance the value of their Big I membership."

Non-Big I members, at this time, will have to pay fees to ACORD. 

Below is a list of frequently asked questions that you or your staff may have regarding this exciting new member benefit.

What has changed with ACORD form and agent access?

ACORD has been maintaining a complete library of forms for our industry for almost 50 years - They are working through updated agreements with their management system partners. ACORD will be charging new fees for the users of their forms, beginning on January 1, 2020.

How does this affect Big I member agencies?

The Big I has worked to ensure their members are covered and will not incur fees when accessing needed ACORD forms. All Big I members with less than $50 million in revenue will get the forms free as part of their Big I membership.

Does this affect my current agency workflow?

No - Agents will still access forms via their agency management system workflow as they have previously.

How will ACORD know that I am a Big I member agency?

Big I staff is working with ACORD to validate Big I membership through our databases - This validation will be transparent to agency users. 

What if I have questions or need further help?

More background on ACORD Forms is available at, and members can also call ACORD directly at (845) 620-1700.

Read more in a press release from ACORD announcing the partnership with the Big I. If you have questions or need more information, please let me know. Thank you for your continued support and membership in the Indiana Big I.  



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