Agents United Blog
Independent Insurance Agency Insights & Strategies.
Our Agents United Blog. Explore expert tips, industry updates, and strategies to grow your independent insurance business. Discover how Agents United supports agencies with essential tools, networking opportunities, and insights to thrive in a competitive market. Our Agents United Blog will keep you updated with the latest trends, best practices, and success stories, helping you unlock your agency’s potential. Each post is crafted to empower your agency—from tapping into innovative solutions like AI-driven analytics and usage-based insurance to mastering social media engagement and sustainability initiatives—ensuring independent agents stay ahead with actionable insights tailored for their growth.
Agency Valuation & Succession: Build a Business Buyers (or Your Future Self) Will Pay For
Insurance distribution continues to see active M&A and private-capital interest, and independent agencies are thinking more seriously about perpetuation, partner options, and “what is my book worth?” Whether you ...
The Underwriter-Ready Submission: A Commercial Lines Checklist That Gets Faster Quotes
Even as some segments show signs of easing, underwriters are still emphasizing discipline—and they’re moving fastest on submissions that are clear, complete, and defensible. If you want more ...
Homeowners Rate Shock in 2026: Explaining Cat Losses, Reinsurance, and Replacement-Cost Creep (Without Losing Trust)
Many homeowners feel like premiums are rising faster than their budgets. The best agencies are retaining accounts by doing one thing consistently: telling a clear “rate story” and bringing ...
Commercial Auto in 2026: Social Inflation, “Nuclear Verdicts,” and a Better Fleet Risk Story
Commercial auto is still one of the toughest lines for independent agents—especially trucking and fleets—because claim severity keeps climbing (think bigger verdicts, bigger settlements, bigger medical + repair ...
2026 Renewal Framework: Retain More, Explain Better
The quick take Clients are more willing to shop than they were a few years ago. This year customer satisfaction and retention are a major focus as carriers respond to ...
Embedded Insurance & Affinity Partnerships
The quick take Insurance is increasingly being offered inside other customer journeys—checkout flows, bookings, memberships, platforms. Agents United has pointed to distribution moving closer to the customer as insurance becomes ...
Privacy + AI + Data Security in 2026 (Agency Checklist)
The quick take In 2026, agencies face two parallel pressures: Stricter expectations for safeguarding customer data, and Faster adoption of AI tools—often without clear rules. Insurance is explicitly called out ...
Mitigation Receipts Are the New Loss Runs (2026 Playbook)
The quick take In 2026, a growing share of underwriting decisions are going to be driven by models, data, and verification—not just conversations. That’s why “we replaced the roof” isn’t ...
The Great Service Shift—How Automation Is Changing Insurance
The quick take Insurance service is being redesigned around automation—especially high-volume, phone-heavy work. Reuters recently reported plans tied to AI replacing manual processes in a major insurer’s travel insurance ...
The “Submission Stack”—How to Get More YESes in E&S
The quick take E&S isn’t just growing—it’s becoming a core placement lane for many agencies. Commentators continue to highlight E&S expansion and the market’s role in handling dislocated or ...
AI Exclusions Are Coming – How Independent Agents Can Protect Clients (and Their Own E&O)
The quick take Businesses are adopting generative AI fast—and insurers are responding by tightening terms, adding exclusions, or carving AI-related losses out of coverage. Multiple major carriers have sought ...
Auto Insurance: Personal Lines Are Easing – Commercial Auto Is Still on Fire
What independent agencies can do now: telematics, litigation risk controls, and smarter renewal strategies. After two years of sharp premium hikes, personal auto rate increases have moderated in 2025—with ...