15 posts found
09/30/2021 · 5 min read
Build a small commercial book as a volume play: 200 accounts at $3,500 average premium is a $700K book. Target retail, professional services, light contractors, food service, and personal care for standardized risk profiles. Lean on accountant and banker referrals. Retain with annual coverage education, not price.
09/29/2021 · 5 min read
Talage is a SaaS platform that compresses small commercial quoting from days to minutes through carrier integrations, embedded underwriting rules, and structured upfront data collection, so independent agents can profitably write the small business accounts (landscapers, small contractors, sub-$5K premium risks) the traditional process makes uneconomic.
09/02/2021 · 5 min read
RiskGenius reads insurance policy language and surfaces the coverage differences that matter, doing in minutes what manual comparison takes hours to finish. Underwriters get scale, agents get fast coverage comparison at renewal, and personal-lines agents get a path into commercial work without years of specialist expertise.
09/02/2021 · 6 min read
RiskGenius uses machine learning to read insurance policies, identify provisions, exclusions, and conditions, and flag gaps against standardized language in minutes instead of hours. Agents who pair the tool with coverage knowledge stop competing on price and start competing on expertise.
07/01/2021 · 5 min read
Technology will eat the transactional parts of insurance distribution and amplify the relational parts. Agents who win clarify their human value, automate the transactional work, niche down deep, and position themselves inside embedded insurance instead of fighting it.
06/30/2021 · 6 min read
InsurTech wins on application friction, data-driven underwriting, and clean UX. It loses by confusing simplicity with coverage cuts and underestimating the human element at claim. Independent agents' moat is the complexity tech hasn't solved and the relationship it can't replicate.
05/13/2021 · 6 min read
To implement an AI chatbot in your agency, deploy on digital inbound leads first, change agent workflow to treat pre-qualified appointments differently than cold callbacks, and budget a 90-day calibration ramp. Done right, contact rates on internet leads move from under 50% to above 70%.
05/12/2021 · 6 min read
AI chatbots are changing insurance sales by handling the pre-sales scaffolding: instant outreach to new leads, conversational qualification, and direct appointment booking. Avdhesh Saxena's Friendly Agent Bot fronts the first fifteen minutes for 80% of inbound leads so agents only engage on prepared, qualified appointments.
08/26/2020 · 6 min read
GloveBox's scaling playbook applies to any P&C agency: reduce friction in the client experience first (a client who finds their ID card has fewer reasons to shop), build fast feedback loops with producers and clients, define who decides what across partners, and document processes before hiring into them.
05/18/2020 · 7 min read
Covid-19 cut U.S. miles driven by 40 to 60 percent overnight, exposing how slowly traditional auto pricing reacts and how powerfully real-time location data and telematics can. Agents who understand carrier telematics, usage-based programs, and local mobility shifts can price, target, and advise better than competitors stuck in historical averages.
03/13/2020 · 7 min read
Data-driven insurance marketing means using the information already sitting in your AMS for four levers: predictive targeting on life events, lookalike modeling from your best clients, retention intelligence that flags at-risk accounts before they cancel, and campaign optimization that compounds over time.
02/28/2020 · 6 min read
Raghav Tanna built Tarmika, a commercial lines comparative rater, after years of manually entering the same data across multiple carrier portals as a producer. Agencies writing commercial lines without a comparative tool burn hours per quote and lose deals on speed alone.
09/16/2019 · 6 min read
Scaling personal lines from $10M to $100M kills the service model that got you there. The Mathisen brothers fixed it by moving ID cards, payments, and policy questions into self-service through GloveBox, freeing producers for renewals, cross-sell, and retention instead of routine.
06/18/2019 · 7 min read
Bryan Falchuk's framework has four parts: identity precedes behavior (decide who you are before you change what you do), systems over heroics (build pathways that run without motivation), small wins compound (one percent better across five metrics changes a P&L), and adversity is data, not destiny.
05/27/2019 · 6 min read
InsurTech wins where the work is commoditized (personal auto, renters) and loses where it is complex. Independent agents survive by leaning into commercial lines, high-net-worth, and consultative coverage, then using back-end automation (raters, CRMs, remarketing) to one-person-leverage a book that used to need three.