{"id":3078,"date":"2025-12-05T06:04:35","date_gmt":"2025-12-05T06:04:35","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/top-insurance-brokers-and-agents-in-the-usa\/"},"modified":"2025-12-05T06:04:35","modified_gmt":"2025-12-05T06:04:35","slug":"top-insurance-brokers-and-agents-in-the-usa","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/top-insurance-brokers-and-agents-in-the-usa\/","title":{"rendered":"Top Insurance Brokers and Agents in the USA"},"content":{"rendered":"<div>\n<p>The other strong preference that shone through was respondents\u2019 desire to speak to an agent or broker rather than searching online for coverage. This underlines that consumers seek connection and service, along with a broker\u2019s advice and support.\u00a0<\/p>\n<p>Consultant Heath Shearon, who also hosts the Insurance Town podcast, underlines how tech and AI are necessary tools, but building relationships and creating trust hasn\u2019t lost its importance.\u00a0<\/p>\n<p>\u201cYou\u2019ve got to be able to do both, manage relationships but also manage the technology,\u201d explains Shearon. \u201cThose are the brokers that are winning; the ones who\u00a0are stuck in the old school or are too forward-thinking in the tech won\u2019t. That\u2019s why I like to call it the \u2018great middle lane merge.\u2019\u201d<\/p>\n<p paraeid=\"{98548f2c-56ad-4e9c-a80a-8d9bec7eb7dc}{159}\" paraid=\"1776762198\">&#13;<br \/>\nExpectations of service vary depending on the client and their business.\u00a0\u00a0<\/p>\n<p paraeid=\"{98548f2c-56ad-4e9c-a80a-8d9bec7eb7dc}{165}\" paraid=\"1972465164\">Below, some of<em> IBA<\/em>\u2019s respondents share what it means to them: \u00a0\u00a0\u00a0<\/p>\n<ul style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    text-align: left;&#13;&#10;    max-width: 810px !important;&#13;&#10;    width: 100% !important;&#13;&#10;    margin: auto;&#13;&#10;    padding: 0px 44px 0 88px;&#13;&#10;\">&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\">\u201cAlways makes himself available to speak with us when we have a question or concern. If he does not have the answer to our question, he will work to find the answer.\u201d\u00a0<br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\">\u201cThey have been the only broker to take the time to understand our business structure\/processes\/exposures, explain the P&amp;C insurance process, schedule site walkthroughs with multiple carriers, and discuss the pros\/cons of each carriers\u2019\u00a0proposal.\u201d\u00a0<br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\">\u201cThey take a proactive approach and partner with us to identify areas in which our company can mitigate risk and implement industry best practices.\u201d\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;\n<\/ul>\n<p>&#13;<br \/>\nAccording to <em>IBA<\/em>\u2019s survey results, personalization, understanding coverage needs and fast communication are what matter most to clients. This chimes with Shearon\u2019s observation that the top insurance brokers and agents are gaining an edge by educating themselves and understanding sectors.\u00a0<\/p>\n<p>\u201cI\u2019m seeing a lot more of people specializing in one specific industry. Maybe it\u2019s in restaurants or construction, or it could just be in a particular segment of the business.\u201d\u00a0<\/p>\n<p paraeid=\"{8d39ac32-179b-4691-abe5-ea059dccdd59}{28}\" paraid=\"1200943479\"><\/p>\n<p>&#13;<br \/>\nThe difference maker for brokers is using data and analytics to differentiate, as they harness data to proactively manage risk on behalf of their clients. However, clients aren\u2019t interested in the type of tech or what platform is used, but are looking at the end result.\u00a0<\/p>\n<p>\u201cEveryone knows when you order something from Amazon, you\u2019re going to get great customer service. It\u2019s going to be at your doorstep within an hour sometimes,\u201d says Shearon. \u201cOur customers in the insurance industry want the same thing. They want us to think for them and make things easy.\u201d\u00a0<\/p>\n<p>Brokers are using tech to be proactive and show clients how what has newly hit the market would be applicable to them.\u00a0<\/p>\n<p>Shearon appreciates that AI is here to stay, but that it is not going to be the full picture. \u00a0<\/p>\n<p>\u201cIt\u2019s not going anywhere, and we\u2019re going to see a huge uplift in some of those things to be more efficient, and we\u2019re going to see people leaning in to take away clicks or redundancy in workflows,\u201d he says. \u201cIt\u2019s not going to replace people. I think it\u2019s going to open up more opportunities for jobs.\u201d\u00a0\u00a0<\/p>\n<div style=\"padding:0 16px;\">\n<p>&#13;<\/p>\n<h2 style=\"margin: 0px; color: white; width: 100%; padding: 0px; text-align: center;\"><strong><em>IBA<\/em>\u2019s Insights from 2025 survey data<\/strong><\/h2>\n<p>&#13;\n<\/p>\n<\/div>\n<p>&#13;<br \/>\n<strong>Relationship-building is the foundation of long-term success. <\/strong>Clients stay loyal to brokers who are accessible, empathetic, and proactive.\u00a0\u00a0<\/p>\n<ul style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    text-align: left;&#13;&#10;    max-width: 810px !important;&#13;&#10;    width: 100% !important;&#13;&#10;    margin: auto;&#13;&#10;    padding: 0px 44px 0 88px;&#13;&#10;\">&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\"><strong>Personalization and industry knowledge set top brokers apart.<\/strong>\u00a0Deep\u00a0understanding of the client\u2019s business and sector-specific risks is a clear differentiator.<br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\"><strong>Communication speed and clarity are non-negotiable.<\/strong>\u00a0Fast, clear, and jargon-free responses are highly valued.<br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\"><strong>Transparency and education foster trust.<\/strong>\u00a0Clients want to understand their coverage and feel empowered, not pressured.<br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\"><strong>Proactivity in risk management and claims support enhances value.<\/strong>\u00a0Clients remember and reward brokers who go the extra mile during critical moments.<br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;<\/p>\n<li style=\"&#13;&#10;    list-style: initial;&#13;&#10;    font-size: 24px;&#13;&#10;    vertical-align: revert;&#13;&#10;\">&#13;\n<p style=\"&#13;&#10;    padding-left: 0;&#13;&#10;    padding-right: 0;&#13;&#10;    margin: 0;&#13;&#10;    width: 100%;&#13;&#10;    vertical-align: top;&#13;&#10;\"><strong>Efficiency and integration matter, especially for complex clients.<\/strong>\u00a0Handling multiple lines of coverage through one trusted broker streamlines the client experience.\u00a0<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/cdn-res.keymedia.com\/cms\/images\/us\/003\/0356_638996696932104565.jpg\" style=\"width: 100%;\" alt=\"\" title=\"\"><br \/>&#13;<br \/>\n\t\u00a0<\/p>\n<p>&#13;\n\t<\/li>\n<p>&#13;\n<\/ul>\n<p>&#13;<br \/>\nLong-term vision and a deep understanding of clients are the hallmarks of Bolkun-Robert\u2019s approach, especially in the fast-paced New York construction sector, but her reach extends across the US. She\u2019s not just keeping up with the market but staying ahead of the pace.\u00a0<\/p>\n<p>Bolkun-Robert is a firm believer that industry-specific expertise and proactive client communication are game changers. She doesn\u2019t just sell policies; she aligns strategies, ensuring clients are always a step ahead.<\/p>\n<p>Take her 17-year relationship with a construction client: what started as a modest policy for a small firm has grown into a multimillion-dollar annual account, with the client\u2019s revenue now approaching $20 million. That was the result of building trust, understanding the nuances of the sector, and staying engaged. Her close ties with construction attorneys, project managers, EMR specialists, and safety groups have even influenced how her clients run their businesses.\u00a0\u00a0<\/p>\n<p>Regular check-ins, up to two or three times a year, are the cornerstones of her success. Bolkun-Robert doesn\u2019t just manage accounts; she builds a comprehensive picture of each client\u2019s operation and helps drive their growth.\u00a0<\/p>\n<p>Another long-term client is a plumber for whom Bolkun-Robert created and maintains a profile of operations.\u00a0<\/p>\n<p>\u201cThere are several costs that you need to pay attention to, for instance, if a plumber is in the union, obviously the union hourly wage is different than the non-union,\u201d she explains.\u00a0<\/p>\n<p>Bolkun-Robert is adamant: today\u2019s brokers must be true experts. \u201cYou need to know the nuances of every business you work with \u2013 what they want, what they like to write, and what they expect in submissions. After 17 years, I\u2019m still learning from new clients and their appetites.\u201d\u00a0<\/p>\n<p>Staying at the top means staying proactive and always learning. \u00a0<\/p>\n<p>\u201cThis job keeps me on my toes. Every day is different, every client is unique, and every coverage need is evolving. I\u2019m constantly attending seminars \u2013 cyber liability, for example, is now one of the biggest and newest exposures we\u2019re seeing,&#8221; she says.\u00a0<\/p>\n<p>Being based in New York means knowing the regional quirks, like the difference between soft and hard hammer clauses \u2013 get it wrong, and you\u2019re looking at multimillion-dollar lawsuits. Bolkun-Robert\u2019s commitment to understanding her clients\u2019 businesses means she can tailor coverage to fit their commercial needs and growth plans perfectly.\u00a0<\/p>\n<p>She\u2019s not just a broker; she\u2019s part of the team, ensuring coverage evolves with the company\u2019s trajectory.\u00a0<\/p>\n<div style=\"padding:0 16px;\">\n<div style=\"&#13;&#10;    max-width: 824px;&#13;&#10;    margin: auto;&#13;&#10;    display: flex;&#13;&#10;    flex-wrap: wrap;&#13;&#10;    width: 100%;&#13;&#10;    justify-content: center;&#13;&#10;    background: #25408f;&#13;&#10;    color: white;&#13;&#10;    align-items: center;&#13;&#10;    border-radius: 24px;&#13;&#10;    position: relative;&#13;&#10;\">\n<div style=\"&#13;&#10;    font-size: 114px;&#13;&#10;    font-family: 'Font Awesome 5 Free';&#13;&#10;    color: aqua;&#13;&#10;    position: absolute;&#13;&#10;    top: -44px;&#13;&#10;    left: 20px;&#13;&#10;    width: 100px;&#13;&#10;    height: 100px;&#13;&#10;\"><img decoding=\"async\" src=\"https:\/\/cdn-res.keymedia.com\/cms\/images\/us\/035\/0271_638168116390083804.png\" style=\"&#013;&#010;    width: 90px;&#013;&#010;    height: 90px;&#013;&#010;    position: absolute;&#013;&#010;    left: 0;&#013;&#010;    top: 0;&#013;&#010;\" alt=\"\" title=\"\"><\/div>\n<div style=\"&#13;&#10;    display: inline-block;&#13;&#10;    max-width: 300px;&#13;&#10;    width: 100%;&#13;&#10;    padding-left: 8px;&#13;&#10;    padding-right: 8px;&#13;&#10;\"><img decoding=\"async\" alt=\"Monika Bolkun-Robert\" src=\"https:\/\/cdn-res.keymedia.com\/cms\/images\/us\/003\/0356_638996698349903604.png\" style=\"width: 100%;\" title=\"\"><\/div>\n<\/div>\n<\/div>\n<p>&#13;<br \/>\n\u201cWhen you stay at\u00a0the top of the insurance world from the educational standpoint, then you know exactly how to advise clients. Every client is different in some way and requires different coverages,\u201d she says.\u00a0<\/p>\n<p>Being in sync with her client enables Bolkun-Robert to tailor the insurance to suit their commercial needs and growth plans. She becomes a team member, ensuring the coverage is consistent with the company\u2019s trajectory, with brokers now seen as partners, not just certificate issuers.\u00a0<\/p>\n<p>\u201cThat increased understanding has led to more client expectations, and then as a broker, it\u2019s how you meet those expectations. I meet them by keeping a very close eye on every client,\u201d she explains.\u00a0<\/p>\n<p>\u201cI meet with my team monthly to discuss every single client, so we are all informed of what\u2019s going on. If there are any red flags or if the client is going in a different direction, I immediately get involved.\u201d\u00a0<\/p>\n<p>Legislative changes have also been another challenge for Bolkun-Robert. Whereas claims might be close to a million dollars in the past, labor lawsuits are routinely around or above $10 million, which is causing insurance companies to quit New York.\u00a0<\/p>\n<p>Bolkun-Robert and her team monitor these shifts to ensure clients maintain coverage.\u00a0<\/p>\n<p>\u201cThat is where my job is extremely important. If I know the insurance company will be leaving New York and that policy will be non-renewed, I will meet with the client immediately and explain the change,\u201d Bolkun-Robert says. \u201cI calm them down and we take the necessary measures, and tell them we will be approaching every market possible in order for them to obtain the renewal.\u201d\u00a0<\/p>\n<p>Embroker\u2019s industry trends for 2025 reveal that \u201ccyber-related claims have increased by 13 percent year over year. So, many insurance brokers have made moves to revamp and improve cyber liability policies. The increased risk of cybercrime has also pushed many brokers to increase cyber insurance rates\u201d.\u00a0<\/p>\n<p>The increased need for cyber coverage is one of the areas where Bolkun-Robert and her team go to work, keeping clients updated and ensuring there is continuous coverage, so the business runs without interruption.\u00a0<\/p>\n<p>She says, \u201cWe inform every client with our monthly mailing list about what\u2019s happening in the marketplace, and the benchmarking that we\u2019ve seen in their workplace depending on the trade, and the coverage that we think is needed.\u201d\u00a0<\/p>\n<div style=\"padding:0 16px;\">\n<p>&#13;<\/p>\n<h2 style=\"margin: 0px; color: white; width: 100%; padding: 0px; text-align: center;\"><strong>Takeaways: secrets of America\u2019s Top Insurance Brokers\u2019 and Agents\u2019 success<\/strong><\/h2>\n<p>&#13;\n<\/p>\n<\/div>\n<p paraeid=\"{75a8b1f9-eedb-4b4b-98c2-e4a9a0e8e482}{193}\" paraid=\"1142595101\">&#13;<br \/>\n<strong>\ud83e\udd1dBeing a trusted\u00a0advisor:<\/strong>\u00a0builds strong, trusted relationships; enabling\u00a0clients\u00a0to\u00a0rely on their guidance and\u00a0expertise\u00a0<\/p>\n<p paraeid=\"{75a8b1f9-eedb-4b4b-98c2-e4a9a0e8e482}{219}\" paraid=\"1196839621\"><strong>\ud83d\udcbb+\ud83e\uddd1Tech\u00a0and\u00a0personal\u00a0touch:\u00a0<\/strong>balances technology and AI with genuine, personal service\u00a0<\/p>\n<p paraeid=\"{75a8b1f9-eedb-4b4b-98c2-e4a9a0e8e482}{239}\" paraid=\"1432584151\"><strong>\ud83d\udee0\ufe0fPersonalized,\u00a0proactive\u00a0service:<\/strong>\u00a0tailors\u00a0solutions, manages risk, and communicates quickly and clearly\u00a0<\/p>\n<p paraeid=\"{b8701271-b501-4dfe-997f-8473e752c061}{4}\" paraid=\"1845086911\"><strong>\ud83c\udfd7\ufe0f\/\ud83c\udfe5\/\ud83c\udf7d\ufe0f\u00a0Industry\u00a0and regional\u00a0expertise:<\/strong>\u00a0specializes in sectors and understands local market nuances\u00a0<\/p>\n<p paraeid=\"{b8701271-b501-4dfe-997f-8473e752c061}{24}\" paraid=\"290508148\"><strong>\ud83d\udcc8Long-term vision\u00a0and\u00a0learning:<\/strong>\u00a0builds long-term partnerships and keeps learning to stay ahead of industry trends\u00a0<\/p>\n<p paraeid=\"{b8701271-b501-4dfe-997f-8473e752c061}{44}\" paraid=\"154744473\"><strong>\ud83d\udcdeProactive\u00a0communication\u00a0and\u00a0teamwork:<\/strong>\u00a0regularly checks in with clients and collaborates internally to meet evolving needs\u00a0<\/p>\n<p paraeid=\"{b8701271-b501-4dfe-997f-8473e752c061}{64}\" paraid=\"2127070769\"><strong>\ud83d\udea8Crisis\u00a0management\u00a0and\u00a0market\u00a0awareness:<\/strong>\u00a0navigates market changes, reassures clients, and ensures continuous coverage\u00a0<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The other strong preference that shone through was respondents\u2019 desire to speak to an agent or broker rather than searching online for coverage. This underlines that consumers seek connection and service, along with a broker\u2019s advice and support.\u00a0 Consultant Heath Shearon, who also hosts the Insurance Town podcast, underlines how tech and AI are necessary [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3079,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[564,1529,11,229,1235],"class_list":["post-3078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-agents","tag-brokers","tag-insurance","tag-top","tag-usa"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3078","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=3078"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3078\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/3079"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=3078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=3078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=3078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}