by Bo Eaton | Jul 8, 2025 | Leadership, Underwriting
P&C agents never expect a carrier to be the best choice for everything that they submit. But agents get frustrated when they think they’re honoring a carrier’s appetite only to receive a steady stream of outsized premiums or rejections. What gives? In... by Bo Eaton | Jun 16, 2025 | Leadership, Underwriting
Underwriters often hold the key to writing new business, but right now many P&C underwriters struggle to provide the information that agents need in a timely manner. In fact, agents reported to DCC that 68% of their top carriers lost ground in their underwriting... by Bo Eaton | May 29, 2025 | Underwriting
Most property and casualty carriers have a significant opportunity for organic growth. Independent agents rate Underwriting Responsiveness as their top factor for choosing where to place their business. However, in 2024, agents also reported to DCC that 68% of their... by Bo Eaton | Apr 8, 2025 | Ease of Business, Underwriting
In 2024, carriers distributing through independent agents again failed to make progress against the biggest barrier in their quest for Ease of Business, a factor agents say is critical to their decisions on where to place business. According to agents, inefficient... by Jason Bogart | Dec 14, 2023 | Leadership, Underwriting
Previously in this 3-part series we discussed how inaccuracy in underwriting judgements depresses profit and growth for insurance carriers. Then we explored some of the root causes of inaccuracy and the importance of achieving greater consistency. Today we present... by Jason Bogart | Nov 8, 2023 | Leadership, Underwriting
This article follows up on our previous article How Underwriting Accuracy Improves Profit & Growth. In that article we shared how inaccuracy in underwriting judgements undercuts a carrier’s profitability. In this article, we examine some of the root causes of... by Jason Bogart | Oct 17, 2023 | Leadership, Underwriting
I was recently introduced to a book that I highly recommend to all P&C insurance executives: Noise: A Flaw in Human Judgement by Daniel Kahneman, Oliver Sibony and Cass R Sunstein. While it applies to any business, it includes insightful suggestions that can help... by Jason Bogart | Oct 5, 2022 | Process, Underwriting
A couple of months ago we wrote an article called Four Barriers that Carrier Technology Cannot Fix. Then we discussed the first two barriers: 1) not providing a clear, consistent appetite and 2) not offering quick and easy access to knowledgeable underwriters.... by Jason Bogart | Aug 2, 2022 | Leadership, Underwriting
In our last article, we discussed how having a clear underwriting appetite leads to improved growth and lower expense ratios. A lack of a clear underwriting appetite is a self-inflicted wound. But agents tell us that carriers inflict even more egregious self-harm. One... 