The work you do matters— to your clients, to your communities, and to this great industry. •
Technology is changing how we quote, bind, and service policies— and that’ s a good thing. The agencies that are embracing AI, digital tools, comparative rating platforms, and data-driven client communication are finding ways to do more with less, serve clients faster, and compete on the quality of the relationship rather than just the speed of the transaction.
HOLD ON TO YOUR CLIENTS
KAIA is committed to helping our members access those tools as well as the training to use them effectively.
Perhaps most importantly, the personal lines market correction we’ re experiencing is, in many respects, a reminder of what insurance is supposed to do: price risk accurately and sustainably. As the market finds its new equilibrium, independent agents who have built trust with their clients— who have had the hard conversations about coverage adequacy, deductibles, and risk management— will be the ones their clients turn to and stay with.
A Call to Lean In
My ask of every KAIA member is simple: lean in. Lean into education— understand the markets, the products, and the risks your clients face. Lean into your community— your clients chose a local, independent agent because they value that relationship. I encourage you to download the PR Toolkit described in the article on page 18. Position yourself as the local insurance expert for your community. And lean into KAIA— because the advocacy, resources, and peer connections we offer exist to help you not just survive these market conditions but thrive through them.
The independent insurance agent isn’ t a relic of the past. We are the future of personal lines and more— because no algorithm, no chatbot, and no direct-toconsumer platform can replace the human judgment, genuine care, and professional expertise that we bring to our clients every single day.
RETAIN CLIENTS BY CROSS-SELLING PERSONAL UMBRELLA
Clients who have multiple policies with your agency are less likely to move their business elsewhere. Offering every client a personal umbrella is an easy way to protect your agency’ s book of business, boost sales, and protect the clients who trust you.
The RLI Personal Umbrella features:
� Limits up to $ 5M available($ 1M in NM)
� Keep the current home / auto carrier
� No age limit on drivers
� Up to one DWI / DUI per household allowed
� Simple, self-underwriting application
� E-signature and credit card payment options
� Immediate coverage available in all 50 states and D. C.
The work you do matters— to your clients, to your communities, and to this great industry. •
2021
LEARN MORE AT INDEPENDENTAGENT. COM / RLI.
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