Commercial P&C Insurance
An independent agency’s value lives in two numbers: retention and policies per account. AI is the first technology that moves both without adding headcount.
Books of recurring commission revenue where a handful of operating ratios decide both the earnings and what the book sells for — and where service capacity, not demand, is the binding constraint.
Industry research
The economics
FIGURES FROM THE FIRM’S PUBLISHED RESEARCH · SOURCES ON REQUEST · THE 2× PLAYBOOK
Growth opportunities
Where the 2× lives
Retention engineering
Renewal work moved from reactive to instrumented: exposure changes surfaced early, remarketing triggered by rule, every at-risk account flagged before the lapse. Retention becomes a managed number.
Account rounding as system
Coverage-gap analysis run across the whole book by machinery, with producers working a ranked queue instead of a memory.
Service automation
Certificates, endorsements, and renewals run themselves to the point of judgment; the account manager signs. That is the capacity that turns a service bottleneck into cross-sell throughput.
Producer comp design
Compensation rebuilt to pay for the behavior the economics reward — rounding and retention, not just new logos.
Our perspective
What most firms get wrong
New logos on a lapsing book
New-business energy on an 86%-retention book is running up a down escalator. The agencies that instrument renewal and rounding first grow faster with the same producers — and their books price at a premium when they sell.
Where we’d start
A book decomposition: retention and policies-per-account by segment, the at-risk accounts flagged by rule, and the two-number improvement plan priced twice — once in EBITDA, once in what the book sells for.
Put it to us