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Erie Insurance and Philadelphia Insurance Companies grappled with extended system outages, prompting errors & omissions concerns for independent insurance agents.

May brought the news that dog-related claims have increased significantly in both frequency and cost over the past 10 years. In better news, the Big “I” secured important tax wins as the “One Big Beautiful Bill Act” passed the U.S. House of Representatives.

The end of March brought news that the overall property & casualty industry is returning to profitability. Nevertheless, the first quarter of 2025 saw rates continue to rise for both commercial and personal lines.

Independent insurance agents wanted to know the latest trends impacting the beleaguered personal auto market and how to talk to their clients about them.

In February, educating clients on the complications impacting the homeowners market—from the hard market to catastrophes—was top of mind for independent insurance agents, as well as soaring reconstruction costs from the past decade. Independent Agent also covered how agency-carrier agreements are evolving with data security concerns. And, with the number of agency mergers & acquisition deals still…

While many of the same problems from 2024 followed the industry into 2025, January articles analyzed what new and continuing trends mean for consumer behavior, market capacity and loss prevention.

The agency mergers & acquisitions scene ended 2024 with a big splash, as Gallagher broke records with its $13.45 billion acquisition of AssuredPartners.

Independent Agent provided coverage on several key regulatory issues that impacted agencies and their clients—most notably, the FTC noncompete agreement ban saga.

All eyes were on the presidential election in November and what the results will mean for the independent agency channel. Additionally, a federal court struck down the Department of Labor’s overtime rule.

Two deadly hurricanes highlighted that flooding can happen anywhere. Additionally, experts answered agents’ questions about nonpayment cancellations and recording phone calls.