Client Communication

Even routine seasonal changes can create meaningful exposure in non-flood zones, making proactive education and coverage reviews key in the spring months.

By tailoring flood coverage to a client’s actual risk and financial exposure, agents ensure they have the protection they need without the unnecessary costs.

Relationships will always remain the heart of the insurance business. But in today’s environment, the agencies that combine strong relationships with operational efficiency will be the ones best positioned to grow.

As insurers look to prioritize retaining clients, independent agents are playing a more critical role than ever as customers shop aggressively and look for guidance on coverage, value and carrier stability.

Landlords who normally operate long-term rentals will convert to short-term rentals, while others, who’ve never offered short-term rentals, are expected to list their properties just for the World Cup.

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.

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.

In a market where carriers are inundated with submissions, agents can help their product liability clients secure the coverage they need by understanding carriers’ appetite and capitalizing on the opportunities they offer. 

Independent Agent magazine speaks with an agent from each revenue category about their experiences with the Best Practices Study and how their business operates.