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.
Technical Knowledge
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.
1 Year After LA Fires: How Risk, Coverage and Insurability Have Shifted
The ramifications of the Los Angeles wildfires reinforce the critical reality that insurance must be positioned as one component of resilience, not a complete financial solution.
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.
5 Predictions for the Insurance Industry in 2026
From artificial intelligence (AI)-driven operational shifts and dynamic climate modeling to heightened cyber and privacy risks, 2026 is shaping up to be a year of transformation for the insurance industry.
Severe Convective Storms Lead Concerns for Insurers
The vast majority of insurance company executives view severe convective storms (SCS) as the leading threat to their balance sheets, according to a Demex survey.
Top 5 Most-Read Articles in Independent Agent in October
New reports revealed widening gaps in insurance coverage and an expanding role for agents. Plus, Agency Nation Radio spoke with GEICO on its move into the independent agency channel.
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.
Do Homeowners Policies Exclude Theft of Personal Property During Renovations?
A homeowners client is building an addition on their secondary home, which is still occupied and furnished. The carrier says there is no coverage for theft of personal property.
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.
