Marketing the agency effectively over the Internet, security, and ease of use of new real-time functionality have become the top three technology issues for owners of independent agencies.

Technology is changing the relationship between the client, producer, and the insurance carrier. While some view that as a detriment to producers, others see room for adaptation and growth that will ultimately benefit consumers, independent agents, and carriers.

Although most producer training programs will end up costing an agency a couple of thousand dollars, most agency principals who have been through the process would probably agree that "leaving it to the pros" is well worth the investment.