Navigating Client Communications in the Hard Market

A Toolkit for Big “I” Independent Agents

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During these challenging times, with rising premiums in a hard market, independent insurance agents are more important than ever. This Hard Market Toolkit provides resources that agents can use to navigate the current market conditions successfully.

Supporting Resources

Leverage the resources below to support your agency during the hard market.

Sales and Communication Tools

Hard Market Overcoming Objections

Resource for independent agents with strategies for overcoming common client objections to purchase.

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Winning Back Unsold Business – Process Pack

Agency process pack for winning back unsold business.

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Commercial Cold Calling Scripts

Sample cold calling script for agents to use.

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a blue button with a white envelope on it

Email and Website Script Templates (New*)

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black laptop computer

Hard Market Email Scripts (Explaining a Hard Market)

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a pen sitting on top of a pile of papers

Remarketing Form

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Renewals Forms

Templates for agents to use during the renewals process.

green farming equipment on brown field

Renewal Form – Farm

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person using laptop

Renewal Form – Personal

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high-angle photography of black high-rise buildings

Renewal Form – Commercial

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New Business Fill-in Forms

Does your agency need a way to streamline the quoting process, enhance communication between agents and clients, and ensure accuracy in policy details?

An agency quote sheet serves as a comprehensive and standardized document, capturing essential information efficiently. By utilizing these templates, agencies can not only save time but also project a polished and trustworthy image, reinforcing their commitment to delivering top-notch service.

Personal Lines Sheet
Commercial Lines Sheet

Custom Creative to Showcase your Value as an Independent Agent

Designed to include your agency logo and agent headshot!

  • Video
  • Graphics
  • Social Media Content
  • Digital Display Ads
Browse campaign

What Agents are Saying

  • “Most clients have no idea what a hard or soft market is or means to them. But they do know when they have a problem, and if you are a problem solver, the value you bring them will increase you in their eyes. So be honest, educate your clients, and think outside the box when it comes to solving their risk and insurance needs. ”

    Bob Fee President, Fee Insurance

  • “Work to deepen the relationships you have with your underwriters… They’re doing their best to navigate their corporate objectives from an underwriting and pricing perspective while striving to present a reasonable solution to their agents. Remembering that they’re human, too, and having candid conversations about what they need on a specific account, can go a long way in securing a favorable renewal.”

    Matt Simon President, Coverlink

  • “Most clients have no idea what a hard or soft market is or means to them. But they do know when they have a problem, and if you are a problem solver, the value you bring them will increase you in their eyes. So be honest, educate your clients, and think outside the box when it comes to solving their risk and insurance needs. ”

    Bob Fee President, Fee Insurance

Have a question or need help? Contact us at Trusted.Choice@iiaba.net

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IMPORTANT DISCLAIMER: THIS MUST BE READ BEFORE YOU USE THIS TOOLKIT.

This toolkit of sample communication templates (“Toolkit”) has been prepared for general information purposes only and should be tailored according to all legal, business or other requirements applicable.  There shall be no liability in any way for reliance on or use of this Toolkit. This Toolkit is not intended to constitute and should not be considered legal or other professional advice, nor shall it serve as a substitute for obtaining such advice. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional, such as an attorney, should be sought.

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