The True Cost of Deferred Roof Maintenance
What can begin as a relatively small issue on a roof can rapidly escalate into a costly property loss and prolonged business interruption for property owners.
Client Communication
Why Summer Brings an Increase in Personal Auto Claims
Many drivers assume summer road risks come from major crashes or severe weather—but most claims actually arise from minor, inconvenient, and largely preventable incidents.
How Independent Agents Can Advocate for Safer Roads
Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.
Winter Storms Are Testing Homes and Elevating the Role of Independent Agents
Winter Storm Fern highlighted how quickly winter risks can escalate when cold, ice and infrastructure strain overlap. As winter risks continue to evolve, the agent’s role as educator and advisor has never been more valuable.
How Agents’ Roles Are Changing in the High Net-Worth Market
As the number of high net-worth individuals (HNW) grows and more are considering self-insuring, agents’ roles are transforming from policy placement to strategic risk advisor.
High Net-Worth: What’s Fueling the Shift Toward Self-Insurance and How Agents Can Help
With rating climbing and coverage tightening, more high net-worth (HNW) clients are choosing to assume more risk themselves. Here’s how agents can help HNW clients evaluate their risk profile and tolerance.
Rising Homeowners Coverage Gaps Underscore Agents’ Expanding Role
As homeowners contend with inflation, extreme weather and increasingly complex coverage needs, new reports from Nationwide and The Hanover reveal widening gaps in insurance coverage—and an expanding role for agents helping clients navigate today’s risk environment.
Risk Mitigation Technologies Are Becoming Essential in the Homeowners Market
Insurance agents who embrace risk mitigation technologies can strengthen underwriting, deliver value to customers and differentiate their service.
Ghost Kitchens, Food Trucks and Catering: How Agents Can Help in a Transforming Industry
Ghost kitchens are a growing trend, fueled by celebrities like MrBeast and Mariah Carey, but these non-traditional food service businesses bring unique exposures that don’t always fit into standard restaurant policies.
Cellphone Bans: How Agents Can Help Schools and Businesses Create Policies
As schools and other entities consider policies that limit or ban cellphone use, agents can offer risk control guidelines that might help avoid a claim.
