Markets

From the Front Lines: Commercial Auto

Independent agent Steve Shoultz started Priority Risk Management from scratch 13 years ago—and he tries to cross-sell commercial auto whenever he can. “It’s much more difficult to find a qualified driver now because the economy is good and there’s high em

From the Front Lines: Flood

Independent agent Matt Evans didn’t set out to become an expert in flood insurance. But when his hometown in Iowa flooded, he didn’t have a choice.

From the Front Lines: Directors & Officers

Independent agent Rick Brownell Jr. joined his family’s agency 12 years ago and predicts that directors & officers insurance is “only going to become more important. A lot of responsibilities are being placed on boards to make more decisions.”

From the Front Lines: Commercial Umbrella

Before moving into insurance, Jeffrey W. Howard was an accountant. “In the public accounting world, you find a lot of issues with a company, but because of your required independence, you’re not allowed to consult and help fix that. That really irked me,

From the Front Lines: Environmental Liability

After starting her insurance career as a receptionist, Annie Johnson quickly moved up the ranks as a CSR and later joined The Hanover as a direct sales agent—until she and her husband decided they wanted to move back to Alaska and open an agency in their

From the Front Lines: Media Liability

Independent agent Mike Davis is a third-generation insurance agent. When Georgia passed a tax credit incentive for film and television production in the late 2000s, “we saw a huge opportunity,” he says.

From the Front Lines: Builders Risk

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 Front Lines: Special Events

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.

From the Front Lines: Liquor Liability

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

From the Front Lines: Personal Auto

To succeed in the most competitive insurance market, independent agent Mike Crowley de-emphasizes price “from the point of sale all the way through the process.”

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