Markets

“Don’t assume your area won’t flood,” says independent agent Danny Cook, who guided his community through catastrophic flooding twice in 23 months. “Flooding is increasing in frequency and severity.”

It’s crucial to educate commercial auto clients because “when there’s a loss,” says independent agent Sam Artino, “you’re not thinking about how much you paid, you’re thinking about how much coverage you have.”

When it comes to cyber liability insurance, “You have to drill down and figure out specifically what risk each client has to be able to appropriately mitigate damage,” says independent agent Jeffrey Miller. “I say ‘mitigate’ because it’s not if you have a

Independent agent Stefanie Fuller says technology is one big challenge in the architects & engineers insurance industry. “As design firms continue to evolve, it can be difficult to find insurance solutions to address their needs,” Fuller says.

In the personal auto market, independent agent Kriss Petti Roller faces competition “everywhere I turn,” she says. “I go to Costco and they want to sell me insurance. Amazon wants to sell me insurance.”

Changes in the environmental liability market means that “exposures can be found in all types of businesses,” says independent agent Bill Braley. “Coverage for environmental exposures has moved well beyond regulatory compliance and obvious pollution expos

As the trucking market reacts to cascading nuclear verdicts, rising settlements and higher demand, insurance agents must raise their game. Here are four ways agents can help their trucking clients manage risk.

When it comes to trucking insurance, independent agency president Lance Smith says you should know not just insurance but also the issues and obstacles your clients face every day.

Rate increases over the past decade, higher loss severity and a myriad of regulatory changes have made the commercial trucking insurance market almost impossible to navigate.

In the professional liability insurance industry, independent agent Kaitlin Kelly says that it’s valuable to spend time with and learn alongside the professionals you protect.