The insurance marketplace in 2025 is showing signs of much-needed stabilization—yet, it’s anything but boring. Independent agents who are navigating today’s landscape must stay sharp as markets shift, rates adjust, and competition intensifies. Whether you’re writing main street business or venturing into specialized niches, understanding current trends will help you quote smarter, win more clients, … Read more
Despite the rising demand for business insurance, many independent agents are hesitant—or outright resistant—to enter the commercial space. Whether you’re an agency owner wondering why your producers aren’t cross-selling to business clients, or you’re an agent yourself questioning where to start, it’s clear that commercial insurance remains an underutilized growth opportunity. So why aren’t independent … Read more
In the competitive world of insurance, one factor continues to separate thriving independent agents from the rest: exceptional customer service. For independent insurance agencies, happy clients aren’t just a bonus—they’re the heartbeat of the business. As a member of the ASNOA, you have access to advanced tools, marketing resources, and carrier relationships. But what truly … Read more
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
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
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
As we approach the end of 2024, insurance agents may want to consider taking an inventory of the agency’s coverage over the past year. This process involves analyzing the types of policies offered, their uptake, and their performance. An inventory allows agents to reflect on the past year, identify strengths and weaknesses, and plan for … Read more
During a hard market, it’s essential to stay up-to-date as much as possible with industry trends, tools, and developments. Sometimes, it’s difficult to even know where to go when wanting to stay ahead of the curve. For that reason, we’ve compiled a list of resources for independent insurance agents to follow and how to find … Read more
In recent years, the insurance industry has encountered its fair share of challenges. However, amidst these trials lie ample opportunities for growth and innovation. From the burgeoning realm of digital transformation to the escalating significance of cybersecurity and the emergence of Insurtech, the future holds promise for insurance agents willing to embrace change. Here’s a … Read more
One of the hardest parts about working as a team is motivating your fellow group members. I once had an agent ask me how he could convince his coworkers to cross sell business and upsell current clients. Without hesitation I responded, “With money and fame!” The tricky part was that his business plan could not … Read more