Despite the worst economy since the Great Depression and a persistently soft commercial insurance market, three independent agencies that stuck to their core missions of proactive client service and managing the cost of risk not only kept their heads above water but maintained a growing bottom line.

The three winning agencies in the eighth annual National Underwriter Commercial Insurance Agency of the Year award program serve as role models for their peers. The trio shared the secrets of their success in profiles published in NU‘s Oct. 12 edition, available online at the bottom of, under “NU Exclusives.”

Principals from the three winning organizations recently responded to a series of questions about the future of the independent agency system. Their insights are provided below.

Sam Friedman Editor In Chief National Underwriter

How is your agency adapting to the recession? What impact is the economic downturn and credit crunch having on your business, and what steps are you taking to compensate?

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