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Helping Clients Weather the Storm:  How Agents Can Support Clients During a Predicted Severe Tornado Season

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Independent insurance agents are often the first line of support for clients when disaster strikes. With meteorologists forecasting a more intense tornado season across the Midwest and South, it’s more important than ever to proactively assist clients before, during, and after severe weather events. Here’s how to offer exceptional value and strengthen relationships during these … Read more

Cost-Effective Coverage: Meeting Clients Where They Are

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It’s no secret that prices are up across industries due to the economic changes that have occurred over the past several years. Unfortunately, hard times may cause struggling individuals and families to opt out of insurance coverage in certain situations, or simply stay under-insured. This situation contributes to what’s known as the protection gap—the disparity … Read more

Mastering the Independent Agent Mindset: Keys to Leadership, Growth, & Success

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Success as an independent agent goes beyond sales—it’s about adopting the right mindset to lead and grow your agency. Shifting from seeing yourself as a producer to embracing the attitude of a CEO can unlock new potential you didn’t know you had. A growth mindset, combined with peer collaboration and embracing new technology can drive … Read more

Path to Independence: Why Become an Independent Agent

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While there can be benefits to working exclusively for a single insurance company, there are also plenty of drawbacks of being “captive,” and limited to only selling one brand of products. When it comes to serving clients, it’s beneficial to be flexible on product and pricing options. If you’ve been a captive agent in the … Read more

Why It’s Worth Getting Into Commercial Insurance

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While many independent agents focus on personal lines, expanding into commercial insurance presents an opportunity for higher revenue, greater stability, and long-term client relationships. In an unpredictable economy, diversifying your offerings beyond individual policies can help strengthen your agency’s resilience and keep you competitive. Whether you’re looking to increase profits, improve client retention, or future-proof … Read more

The Financial Implications of Natural Disasters on the Insurance Industry

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The 2025 wildfires in Southern California, notably the Palisades and Eaton fires, have inflicted unprecedented damage. They’ve caused 29 fatalities and destroyed over 16,000 structures, including homes and critical infrastructure. Insured losses are estimated at up to $75 billion, with total economic damages potentially reaching $164 billion, marking this as the most costly natural disaster … Read more

How Imposing Tariffs on Imports Could Affect Insurance Premiums

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The Trump administration has vowed to impose tariffs on goods from China, Mexico, and Canada. This is likely to not only alter trade dynamics but indirectly drive up insurance premiums. While tariffs are designed to protect domestic industries by increasing the price of imports, they also raise the costs of raw materials, components, and finished … Read more

Software Programs Agencies Should Consider in 2025

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Each new calendar year is a chance to reflect on past successes and challenges and to explore innovative ways to boost productivity and efficiency. For independent insurance agencies, that often means embracing new technology that streamlines operations, enhances client engagement, and drives business growth. As you plan for 2025, here are five software programs worth … Read more

New Ideas for Marketing Your Agency in 2025

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January is an excellent time to review your marketing strategy from the past year and revamp it for the year ahead. The rise of AI-enhanced analytics, virtual assistants, and personalized advertising has made it much easier to reach your ideal customer. These approaches are all about staying ahead of the curve, connecting with clients in … Read more

Excess and Surplus Insurance is Likely to Massively Pivot in 2025 — Don’t Miss Out.

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Excess & Surplus Insurance

Excess and surplus (E&S) insurance is a fascinating part of the insurance world, as it offers coverage for risks traditional insurers cannot or will not handle. With 2025 shaping up to be a pivotal year for this market, it’s crucial for independent agents to understand the nuances of E&S insurance to serve clients effectively and … Read more