Carrier concentration: the risk nobody puts on a dashboard
If one carrier holds a third of your premium, somebody else decides how your year goes.
The network puts these around an agency: Carrier access, Stronger economics, Agency growth, Expert support, Technology and tools.
Resources
A direct appointment against a sub-code. What one point of retention compounds to. What a producer costs before they write anything. Plain guides for the owner running the agency.
If one carrier holds a third of your premium, somebody else decides how your year goes.
Owners think of retention as a percentage. It is a multiplier on every year that follows.
The move that changes what your agency is worth, and the one most agencies stall on for three specific reasons.
The most expensive experiment an agency runs, usually run once, badly, alone.
Use your numbers
Book Check turns seven operating signals into a private, instant read. Nothing is stored.
Open Book Check