Commercial Lines

Workers compensation is regulated at the state level, and even occasional or incidental work across state lines can result in coverage gaps if policies are not properly structured.

As the healthcare market continues to expand, it is facing significant shifts driven by cost pressures, policy changes and increased regulatory scrutiny.

Consolidation has become the new normal. See what’s driving it, and why more independent agency owners are quietly reassessing valuation, succession, and future partnership options.

As older workers stay in the workforce longer, a more complex risk profile is emerging—reshaping injury, increasing severity and forcing carriers to rethink underwriting and rating.

What wording should an agency use in the Description of Operations field? Should an agency include additional insured status and waiver of subrogation by default, or only when the insured asks?

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

Workers aged 60 and older represent the fastest-growing segment of the labor force, and their increasing presence continues to impact the workers compensation market.

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

While stable, the workers compensation market is facing underlying pricing pressures that are set to adversely impact the market nationwide.