How Agents’ Roles Are Changing in the High Net-Worth Market
As the number of high net-worth individuals (HNW) grows and more are considering self-insuring, agents’ roles are transforming from policy placement to strategic risk advisor.
Homeowners
Homeowners Cancellation Request: Do Both Insureds Need to Sign?
The policy conditions for a homeowners policy state that the first named insured is the one who has the authority to cancel an insurance policy. Does that mean that the second named insured is not required to sign?
High Net-Worth: What’s Fueling the Shift Toward Self-Insurance and How Agents Can Help
With rating climbing and coverage tightening, more high net-worth (HNW) clients are choosing to assume more risk themselves. Here’s how agents can help HNW clients evaluate their risk profile and tolerance.
1 Year After LA Fires: How Risk, Coverage and Insurability Have Shifted
The ramifications of the Los Angeles wildfires reinforce the critical reality that insurance must be positioned as one component of resilience, not a complete financial solution.
Top 5 Most-Read Articles in Independent Agent in December
December looked at the 2025 Atlantic hurricane season, the impact of claims management on customer experience, state requirements for paid leave and time off. Plus, state regulations on artificial intelligence (AI) as well as a review of 2025’s top stories.
Top 10 Most-Read Online Articles in Independent Agent in 2025
Throughout the year, the Big “I” and Independent Agent magazine have been hard at work, examining emerging market trends and helping you be there for your clients with the latest insights.
5 Predictions for the Insurance Industry in 2026
From artificial intelligence (AI)-driven operational shifts and dynamic climate modeling to heightened cyber and privacy risks, 2026 is shaping up to be a year of transformation for the insurance industry.
Orion180 Expands FLEX Home Insurance to All Homes in California
The policy allows homeowners to customize coverage, allows flexible deductibles and copays, offers rewards for claim-free as well as no exclusion zones.
Q3 Property Claim Severity Among Highest on Record as Volume Drops
2025 is on track to be the lowest claim volume year in recent history, yet cost management remains critical as severity trends continue to increase, according to Verisk.
AM Best Revises Homeowners Insurance Market Outlook to Stable
1. The homeowners market outlook has been upgraded to stable, with AM Best citing stronger catastrophe risk management, steadier reinsurance market conditions and gradually improving pricing adequacy.
