I love independent insurance agents and brokers.

OK, love is a strong word. I've been hanging around with these people for 30 years, and I know them very well.

1. They're resilient

Count all the once-formidable Property & Casualty carriers that have gone out of business — their agents have outlived them. Continental, The Home, Connecticut General, St. Paul, Commercial Union, Fireman's Fund, USF&G … I could go on, but I'll pause there.

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