Strategies

Not planning to sell – but thinking ahead? This market brief explains why independent agency owners are re‑examining value, timing, and long‑term positioning.

A restaurant owner rents a building and has a tenant’s policy for contents and liability. A furnace caught fire and the owner says the tenant is responsible or the damage.

For agencies navigating growth, modernization, acquisitions, staffing changes or evolving client expectations, one of the most important shifts is for leadership to look beyond outcomes and to become more curious about the systems that create them.

An elderly couple built a one-story dwelling on their property for themselves and sold the property’s primary dwelling to their child.

Whether out of fear or the false belief that there’s always more time, most agency owners make the same three mistakes in succession planning.

Is the accidental damaging of the electrical line faulty workmanship or ordinary negligence? Who is liable?

Flood risk is rising far beyond flood zones, leaving millions of properties exposed. Agents play a critical role in helping property owners understand risk, coverage gaps and modern flood insurance options.

Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.

Artificial intelligence (AI) is not removing agents from the equation. It’s reshaping how customers approach insurance, how work gets done and where agents create the most value.

Without a framework to guide decision-making, escalation and accountability, even the most promising AI initiatives risk stalling—or worse, creating hidden exposure.