ReSource Pro’s latest research report, Agency Distribution Technology Strategies in Commercial Lines, delivers an in-depth look at how commercial lines agencies are reshaping their distribution strategies for 2025 and beyond. Drawing on proprietary survey data and expert analysis, the report examines the forces transforming the agent–carrier relationship—and the critical technology investments required to stay competitive in an increasingly digital, AI-driven marketplace.
Grounded in real-world insights from mid-sized and large agencies, the report explores how shifting customer expectations, rising demand for operational efficiency, and rapid advances in data and AI are accelerating change across the distribution value chain. It also identifies where agency needs align—or diverge—from carrier technology plans, offering a clear roadmap for strengthening partnerships and closing capability gaps.
Key topics include:
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The five forces reshaping insurance distribution in 2025—including the persistent dominance of agents and brokers, the rise of AI-driven risk assessment, and the growing expectations for seamless, personalized service experiences.
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The state of commercial lines automation, highlighting agencies’ perceptions of carrier maturity—from basic portals to real-time, system-to-system data exchange.
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Top drivers behind agencies’ technology investments, led by efficiency, customer experience, and profitability—and the increasing reliance on solutions that expand advisory capacity.
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A detailed comparison of agency priorities versus carrier tech plans across sales and servicing, revealing areas of strong alignment (e.g., data prefill, risk appetite matching, automated endorsements) and notable disconnects (e.g., AMS integration, proposal tools, COI automation).
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The emerging impact of generative and agentic AI, including the functions expected to transform first—quoting, policy management, renewals, coverage needs analysis, risk assessment, and back-office operations.
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Practical calls to action for agencies, offering a framework to map current tech ecosystems, align digital strategy with customer expectations, evaluate carrier partners, and benchmark competitive capabilities.
This comprehensive report is essential reading for agency leaders seeking to modernize their distribution strategy, optimize workflows, enhance client service, and build technology partnerships that support long-term growth in commercial lines.
