With the New Year upon us, PC360-NU spoke with top brokerages, carrier executives, agency associations and Main Street agents in local markets to discover where the greatest challenges and opportunities lie in 2013.

Some common themes that emerged: Rising rates and the shopping that inevitably follows; the desire to provide increased quality of service, especially around claims, in order to retain clients and gain new ones; recognition of the critical need to better recruit young talent; and the growth potential made available both by the increasing awareness of the need for Cyber coverage and by the Patient Protection and Affordable Care Act for those looking to expand their Employee-Benefits book.

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