Personal lines carriers and their commercial lines counterparts have at least one thing in common when dealing with independent agents: It is absolutely critical for carriers to offer solutions that make it easy for agencies to do business.

At commercial lines carrier CNA, Belen Tokarski, assistant vice president of technology and agency solutions, has learned that not all agents are ready for the newest technology, so knowing the agents is imperative.

"Agents want some level of ease of business, so we make sure we have a solution that meets the needs of any agent selling small-business policies, regardless of their level of technical sophistication," she says.

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