Personal Lines

As flood risk becomes more complex and less tied to traditional flood maps, agents play a key role in helping customers understand their real exposure.

Relationships will always remain the heart of the insurance business. But in today’s environment, the agencies that combine strong relationships with operational efficiency will be the ones best positioned to grow.

The growing popularity of personal mobility devices presents carriers with liability challenges as many models now reach speeds comparable to mopeds.

As insurers look to prioritize retaining clients, independent agents are playing a more critical role than ever as customers shop aggressively and look for guidance on coverage, value and carrier stability.

Landlords who normally operate long-term rentals will convert to short-term rentals, while others, who’ve never offered short-term rentals, are expected to list their properties just for the World Cup.

Winter Storm Fern highlighted how quickly winter risks can escalate when cold, ice and infrastructure strain overlap. As winter risks continue to evolve, the agent’s role as educator and advisor has never been more valuable.

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.

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.