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Best Practices For Agency Managers Means Looking Beyond The Numbers The past 10 years have brought huge change to the independent agency system. Agents and brokers endured a prolonged soft market, only to move to a hard market with limited capacity.

Meanwhile, many agencies have had to “re-engineer” their business because of automation. The entrance of banks into insurance distribution has created a new and powerful competitor. Many insurance carriers have faced insolvency or significant realignment of their underwriting practices. And all agencies had to endure the threat of disintermediation because of the Internet.

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