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The U.S. construction industry generates nearly $1 trillion worth of structures each year—and that translates to big opportunities for your builders risk insurance book in 2018.

Independent agent Shelli Lucus-Kennedy comes from a family of developers. “I speak builder,” she says—and that has helped her carve out a significant niche in the construction industry over the course of her 40-year insurance career.

From the Manchester Arena bombing at an Ariana Grande concert last spring to the mass shooting at the Route 91 Harvest music festival in Las Vegas in October, special events have become a prime target for terrorists.

Independent agent Robert Holmes is a meteorologist by education—and that unique background gives him a leg up when it comes to providing rain and event cancellation insurance for fairs, festivals and concerts.

Rolling your eyes at the word “disruptors”? You’re not alone. But if you’ve got one eye on the future, chances are you’re already bracing for the massive change underway from the InsurTech movement.

After losing a sale, how many times have you said, “I can’t believe it—I was sure I had that one”?

Many smaller restaurants only serve a little bit of wine or beer—and therefore don’t think they need liquor liability insurance. But “that doesn’t exclude you from having a claim,” says independent agent Melinda Langworthy. “I still recommend getting the

By: Volume 115, No. 1

InsurTech startups are attracting big money because of the promises they make to consumers. Here are a few key areas they’re focusing on—and how they could impact the industry.

There’s more to the InsurTech movement than the disruptor narrative. Here’s how independent agents and brokers could partner with InsurTech startups to improve the distribution process for all.