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.
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.
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.
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.
As restaurants deal with increasing premiums, reduced underwriting capacity and labor challenges, strategies can improve insurability and potentially lower premiums.
Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.
A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.
