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.
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.
Insurance agents who embrace risk mitigation technologies can strengthen underwriting, deliver value to customers and differentiate their service.
Here are the answers to some commonly asked questions that may guide you in deciding if an agency alliance is right for your independent insurance agency.
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.
As restaurants deal with increasing premiums, reduced underwriting capacity and labor challenges, strategies can improve insurability and potentially lower premiums.
The policy offers coverage limits up to $5 million per location, as well as options covering additional activities modern warehouse operations encounter, including the handling, repacking and processing of stored goods.
Sales rose to $223 billion in the first half of 2025, 3% above the first half of 2024 and beating the record previously set in 2024.
Less than half of parents rate their teen’s driving as good or excellent, according to Nationwide, with some parents reporting their teen’s unsafe driving behaviors, including styling their hair or even watching videos.
By using clear language, tailored messaging, data-backed insights and relatable examples, insurance agencies can guide their clients to strategic protection.
