Viewpoints

Before Susan Erickson took the helm of her insurance agency, she was busy weathering the waves of the commercial fishing industry.

“I see telematics and cameras—both driver-facing and outward-facing—playing a much larger role in the future,” says independent agent Blake West. “Some insurance carriers are already using telematics in underwriting, while others incorporate it into ongoing risk management.”

Emily McGinn is general manager of the MGA and wholesale business unit at Vertafore, overseeing product development, professional services and customer service.

“With the growing demand for artificial intelligence (AI) data centers across the U.S., I see the energy sector poised for major growth,” says independent agent Evan Swindall. “The increased need for power generation and infrastructure to support this growth will drive significant opportunities in energy-related industries.”

Jamie Behymer, director of diversity, inclusion and young agents at the Big “I,” leads initiatives that empower emerging leaders and help independent insurance agencies become more inclusive.

“For years, community associations were stuck in one of the hardest insurance markets we’ve ever seen,” says independent agent Trey Griffy. “Premiums climbed, carriers pulled out and deductibles got pushed higher across the board.”

Lorraine Jeckells is co-founder and CEO of Free Brands (FREE), a global marketing agency specializing in the insurance sector.

“The out‑of‑pocket maximums keep climbing, and the cost follows in lockstep,” said independent agent Matt Brown. “Even with a large population receiving tax credits on the individual market, the remaining premiums remain a burden for most.”

Colby Tunick is the founder and CEO of ReFocus, which is building the driverless car of insurance servicing.

“For the family, it is the love letter that someone can leave to another member that protects and benefits them,” says independent agent David Wasson. “It can be useful for everything from final expenses and loan protection to creating an estate.”