Every Agency Needs an Agency CFO with the RD Advisory Team, Episode #196

When it comes to retaining large, high-value clients in the middle market, captive insurance should be one of the first solutions every producer considers. Yet many agents avoid the topic entirely—often for reasons that have less to do with the client’s needs and more to do with the producer’s own hesitations.

The truth? Failing to offer captives could cost you a $300,000 revenue client overnight. And in today’s competitive market, someone else will step in and take that account if you don’t.

In this post, we’ll break down the three biggest mental roadblocks holding agents back from selling captives, show you how to address them, and explain how to position yourself as the quarterback of the client relationship—while increasing your value and your compensation.

Middle market insurance producers face a “sleeping giant” opportunity in professional lines—namely cyber insurance, management liability (Directors & Officers and Employment Practices Liability), and broader professional liability coverages. Too often, these critical products are treated as afterthoughts, tacked onto a renewal packet rather than leveraged as strategic revenue drivers and client-retention tools. In this comprehensive guide, we’ll explore why professional lines deserve your full attention, how to overcome common obstacles, and which actionable strategies will unlock growth across your book of business.

The landscape of commercial insurance is evolving at an unprecedented pace. As agencies strive to serve middle-market clients more effectively, many find themselves asking: how can we harness the power of AI in insurance to streamline operations, reduce errors, and free up producers for high-value tasks?

In this deep dive, we’ll explore the two fundamental pillars of AI—generative and analytical—outline practical steps for embedding automation into repeatable workflows, examine real-world case studies, and offer guidance on security, vendor selection, and change management. Whether you’re a curious producer or an operations leader, this post will give you actionable insights to start small and build momentum toward a more efficient, technology-enabled future.

The commercial insurance landscape is evolving rapidly. As the market hardens and technology disrupts traditional models, more and more producers and agency owners are turning away from personal lines and small commercial accounts in pursuit of larger, more strategic middle market opportunities. The shift is logical—middle market clients offer better revenue, deeper relationships, and more room to make an impact.

You know the one I’m talking about—the client whose premium check moves the needle from a good year to a great one. The one you’ve nurtured for years, who calls you on weekends, who brags about you to their peers.

Now picture this: Monday morning, the phone rings. It’s your top client.
“Hey, we need to talk. We’re going in a different direction.”

The six-figure revenue stream you counted on? Gone. Not because you didn’t return calls, drop by for lunch, or go the extra mile in service. They left because they needed something you didn’t have—and another producer put it on the table first.

The middle market commercial insurance landscape is evolving at a rapid pace. Agencies that once relied solely on traditional property and casualty products are now discovering untapped revenue streams by embracing surety bonds and specialty coverages. By understanding how to position niche products—such as drone insurance for contractors—alongside licensing and permit bonds, agencies can capture high-intent leads, accelerate earned premium, and foster deeper client relationships.

In this post, we’ll explore a comprehensive bonding-first growth strategy: from the fundamentals of surety bonds to advanced marketing funnels, partner ecosystems, and actionable implementation checklists. Whether you’re a seasoned producer or a rising agency principal, you’ll walk away with a playbook to maximize revenue, differentiate your brand, and become the go-to resource for contractor clients.