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.
Client Communication
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.
Top 10 Most-Read Online Articles in Independent Agent in 2025
Throughout the year, the Big “I” and Independent Agent magazine have been hard at work, examining emerging market trends and helping you be there for your clients with the latest insights.
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.
Fourth of July: Warn Homeowners About These 3 Risks
Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.
