Viewpoints

From the Front Lines: Homeowners

“More personalized coverage will be key future trends in the industry,” says independent agent Jon Ross. “We are also seeing a shift to the customer taking on more of the risk with higher deductibles or endorsements to buy coverage at set limits.”

Declaration of Independents: Jay Fribourg

Fribourg’s experience working in a cybersecurity distributor startup firm led to the creation of BlueZone Cyber Solutions, which combines expertise in both insurance and cybersecurity.

Agency Nation Meets: Karnina Szymanski

Karnina Szymanski leads all aspects of customer experience for Bold Penguin. Her personal and professional mission is to elevate the next generation of leaders within the insurance industry.

From the Front Lines: Life-Health

“Everything is always changing in the health care industry and unfortunately, it’s not always in the best interest of the insured,” says independent agent Felicia Ethridge. “One of the biggest challenges is trying to keep up with the changes and updates from the government.”

Agency Nation Meets: Paul Baccaro

Paul Baccaro is the co-founder and CEO of Social Jazz. He is a lifelong tech junkie and spent the past 20-plus years building online products and taking them to market.

Agency Nation Meets: Jason Gobbel

As the chief solutions officer of Kite Technology Group, Jason Gobbel is an expert at one thing: helping small to midsized businesses take advantage of technology.

Declaration of Independents: Andrew Ryan

Despite being unimpressed by the software on offer when he first joined the independent agency channel, Ryan has relished the opportunity to constantly innovate and improve agency technology and processes.

From the Front Lines: Commercial Auto

“The use of telematic devices in monitoring driving behaviors and enhanced data analytics capabilities are among some of the more positive changes,” says independent agent Lydia Ramos. “They allow us to analyze a variety of factors, including traffic patt

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