Do you remember R.E.M.’s 1980s song “It’s the End of the World as We Know It?” The chorus seems relevant today more than ever. Doesn’t it?!

The pandemic has changed so much for everyone throughout the U.S. and around the globe.

But it isn’t all doom and gloom. What is happening now is just another fact of life that everyone will learn to navigate eventually.

Since readjusting is a consistent part of life, insurance brokers and agents—like you—are well-positioned to show employer clients what to do.

Your services revolve around helping small business owners manage risk and prepare for change. Right?!

Use this time to your advantage. Show how insurance will support future liabilities and shifts. Why? Because risk and change are inevitable, and you manage change for a living.

Mathematical chaos theories say small systematic changes produce phenomenal evolutions over time. Translation: Change is good. You just need to show people how to make change work for them.

Showcase Your Value


Spend time providing your employer clients with options and alternatives to produce the premium-to-coverage solutions they need. Here are three easy things you can do now.

Shop for Options Proactively: One of the best tools you have at your disposal is your ability to present your clients with alternatives. Be proactive and offer pricing for several solutions. Make sure to include affordable and pay-as-you-go options in the mix.

Evaluate Coverage Needs: Examine coverages to determine what your client may or may not need; especially during the current economic situation. When you do this, you will reduce exposure and increase competition from other carriers. Since you recognize your customers’ requirements may have changed, take initiative to ensure they have what they need.

Consider Increasing Deductibles. Negotiating savings to quantify the risk assumption for every claim is often difficult. If there isn’t small claim activity on an account, it may be challenging to justify large credit. Increasing deductibles is a traditional reduction technique that may help. Request options and run a projected cost impact by looking at historical “as if” loss data.

Whenever you use techniques to show your value, make sure you outline potential risk assumptions related to the proposed changes. Helping your employer clients understand the impact of coverage changes will shine the light on your value and expertise. In turn, you’ll produce results by using change.

How Are You Impacted?


We recently surveyed insurance broker and agent clients to understand the impact of the pandemic.

While a lot of useful insights came from your responses, it was telling that 61.5% of you are:

  • Experiencing difficulty getting answers from carriers
  • Finding shopping the market for alternatives challenging

In turn, 61.5% said you would feel encouraged and thankful if you could receive responsive, hassle-free insurance provider support. Look no further.


Get Consistent Support Everyday


From workers’ comp to general liability and everything in between, we’ve consistently offered affordable options for the hard-to-place for more than 30 years.

Our solutions are well-known for saving employer clients more than 40%.

From high X-mod to poor loss history from too many small claims or several big ones—we have a reputation for finding solutions where others cannot.

Contact a relationship manager today at 877-333-8195, or click here to get a quick turnaround quote by answering 12 questions on one form.

Showcase your value and use change to produce results when you tap into our hassle-free support.