Agency Operations

Leadership Lessons from the Hard Market

Most leaders not only navigated market conditions they had never personally experienced, they also did so while leading a workforce that hadn’t either—a workforce that was busier, under more pressure and dealing with more stress than ever.

Declaration of Independents: Jay Fribourg

Fribourg’s experience working in a cybersecurity distributor startup firm led to the creation of BlueZone Cyber Solutions, which combines expertise in both insurance and cybersecurity.

What Commercial Clients Should Know About Earthquake Insurance

For the most part, earthquake is a covered peril in traditional insurance but policies tend to have low sublimits compared to other perils.

A closeup of a seismograph machine needle drawing a red line on graph paper depicting seismic and eartquake activity - 3D render

4 Ways a Bank Loan Can Fuel Agency Growth in 2025

By Scott Freiday In the highly competitive and evolving insurance landscape, independent agency owners face a unique set of challenges and myriad capital needs to sustain their growth. As we head into 2025, there is a greater sense of urgency for agencies to invest in technology and talent and make strategic mergers & acquisitions (M&A). The average…

What Types of Interest Rates Do Lenders Use?

By Alicia Chandler ​​The recent rate cuts by the Federal Reserve have prompted more agency owners to think about ways to grow their businesses. With the cost of borrowing starting to ease, many agency owners feel now may be the time to take a chance on new growth initiatives aided through debt financing. Not all lenders are…

5 Areas Where Alignment Can Make or Break an Acquisition

​The landscape of agency acquisitions is as challenging as it is rewarding. To be successful, an acquisition requires a delicate balance between strategic alignment, financial prudence, cultural fit and more.

Declaration of Independents: Stephanie Dew

In 2022, Dew, then 20% owner of WinStar, learned that the other two owners would be retiring. She didn’t want to see the agency absorbed by the large buyers circling overhead and decided she would buy it herself—even if it meant mortgaging her house.

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