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The new policy covers advanced technologies such as robotics and autonomous machines.

With limited schooling options due to the coronavirus pandemic, a client is considering hiring a teacher and hosting a home school with neighbors.

With the next generation and insurance, “it’s better if millennials do get involved because, for example, when you first start driving, you don’t understand the risk or how much insurance costs,” says Heather Becke, independent agent, “so having younger p

“You need a mix of young, up-and-coming people that are learning the industry alongside people who have 30-40 years of experience,” says Kyle Beggs, independent agent. “When we all work together it makes a heck of a synergy.”

Local governments and institutions have been among the most involved with the coronavirus pandemic, adding fuel to the fire in an unsettled market.

“Equine insurance is a niche market and has its own needs and language,” says Lucinda Human, independent agent. “As large companies have bought smaller agribusiness companies, the emphasis on the customer specific to equine business has become more mainst

“I know I’m doing something to protect people, even when they don’t know it, such as when they view it as a commodity or an expense,” says Monica Adwani, independent agent. “I know it makes a difference in the world. It’s more than a policy.”

A flexible environment “drives me to produce as much as I do,” says Kenny Bakko, independent agent. “The low stress environment definitely motivates me to work harder and without that I would not be as successful as I am today.”

The coronavirus has hit the special events industry particularly hard and insurers are paying the price.

“The pandemic is putting very heavy restrictions on indoor events, which will squash that market down heavily,” says independent agent Mark Di Perno. “However, outdoor events are a different story.”