Risk Management

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.

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 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.

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.

Insurance agents who embrace risk mitigation technologies can strengthen underwriting, deliver value to customers and differentiate their service.

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 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 celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.