Sales & Marketing

Narrowing coverage and tightening capacity will favor agents and brokers who prepare clients early.

While most Americans say they prefer small town living, about 94% live in large metropolitan areas.

The total non-loss cost ratio was 1.4 percentage points lower for a composite of insurers focused on wholesale distribution versus a composite of insurers focused on retail distribution.

The next evolution: Strategic distribution plays a larger role in determining where and how wholesale insurance carriers participate in the market.

Service and the claims experience also factor into the insurance value proposition.

The average premium for new policies, nationally, is $2,057.