Wholesaler Value Proposition

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Wholesalers continuing to add value is more important than ever. What are things MGA's and brokers need to be doing now to ensure their clients and markets continue to support them now and into the future. (Updated 7/6/2016)


Increasing Consolidation

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Consolidation is taking our industry by storm, happening at all levels (retail agencies, wholesalers, carriers, and reinsurers). How can the independently-owned wholesaler continue to remain relevant? What role with the large national MGA's have as they continue to acquire the smaller independent agencies? Does this create new opportunity or will the business be dominated by a few large markets? (Updated 3/16/2017)

Big Data & Analytics

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Wholesalers are sitting on large amounts of data and need the ability to fully analyze it and act upon it. However, technological solutions are either out of reach of the wholesaler, aren’t able to interact with legacy systems, or do not provide the features that wholesalers need. (Updated 2/21/2017)


Standard Markets Infringing on the E&S Market

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Standard markets continue to dip into E&S business and buy E&S companies as partners, putting pressure on traditional E&S markets.

The Widening Technology Gap                                                       

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The gap between firms with leading-edge technology and those without it is widening. As costs, complexities, and lack of expertise increase, many firms are struggling to define and implement their technology roadmap. (Updated 8/3/2016)

Increasing Cyber and Related Exposures

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With connected homes and cars all tied to our mobile devices, are we more or less secure? (Updated 5/5/2017)


Increasing Challenges in Workforce Dynamics

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A large segment of the workforce is approaching retirement in the near future and there is a gap in  attracting and retaining new talent and transferring institutional knowledge and expertise. There are also increasing challenges in managing the multi-generation workforce and promoting diversity throughout all levels of the organization.(Updated 5/5/2017)

Seamless End-User Technology Experience

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A seamless user experience allows a single input of data for the entire risk process and a "frictionless environment" to conduct business anywhere with any device. Younger generations will expect this capability to be available, but many wholesalers are not prepared to provide it. (Updated 6/16/2016)

Increased Capacity                           



Record high capacity continues to restrain a hard market. Capacity continues to enter the market via expansion of existing insurers and new entrants.

Entrance of Nontraditional Companies


Companies with large amounts of data and capital, such as Google, Facebook, and Amazon, are entering the insurance market, starting with sales and distribution, and with the potential to become actual risk bearers. (Updated 6/16/2016)

Internet of Things (IoT)



The proliferation of sensors connected to the internet and cross-platform integration creates potential exposures from privacy, bodily injury, and property damage that involve potentially large liabilities. (Updated 5/5/2017)

Growth of the Peer-to-Peer Sharing Economy


Peer to peer sharing businesses, like Uber, Lyft, AirBnb, etc., are still evolving and raising questions about regulation and coverage. (Updated 2/21/2017)

Global Climate Change


Climate change and the increasing frequency and severity of weather-related events is causing the global insurance industry to take a more proactive approach to risk management and financial impacts. Meanwhile, sustainability has become embedded in society and defines company culture, business decisions, and corporate reputations. (Updated 1/19/2017)

Federal & State Regulation


There is increased potential for Federal and international authorities to encroach on traditional state regulation of the insurance industry.



Hydraulic fracturing, or fracking, uses pressurized water, chemicals, and sand to break apart shale rock and release natural gas. Concerns include the impact on the environment, the availability of
product, the impact on insurers, potential coverage gaps and dealing with regulators. (Updated 10/16/2016)

                                                                                AUTONOMOUS VEHICLES


Vehicles that can drive themselves without human supervision or input have the potential to disrupt the auto insurance industry, impacting underwriting practices, claim frequency and severity, liability,
premium, and agency commissions. (Updated 4/28/2017)