Personal lines insurance is a hotly competitive business, as the ubiquity of television commercials will attest. Many independent agents are concerned about retaining their clients, who may respond to an amusing advertisement from a deep-pocketed insurer. Fortunately, there are proven methods for agents and brokers to stand out in the crowded field and acquire greater sales volume and improved customer retention metrics.

By having a single insurer underwrite multiple policies (and umbrella liability, watercraft and other personal lines coverages, too), an agent significantly improves the value proposition for his clients. Aside from significantly lower insurance premiums, dealing with just one carrier is advantageous when it comes to paying bills, filing claims and attending to other policy issues, such as a change in address or the addition of a new driver. This highly streamlined process can alleviate inefficiency and potential errors when a client or an agent has to contact two or more insurance companies.

Recommended For You

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to asset-and-logo-licensing@alm.com. For more information visit Asset & Logo Licensing.