Recent Blog Posts

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.

In the world of independent insurance agencies, servicing existing policies often overshadows the pursuit of new business. It’s estimated that 80% of agency time is spent servicing renewals rather than generating new opportunities. With the average cost of servicing a policy renewal totaling around $135 per policy, agencies are dedicating significant resources simply to maintain the status quo.

This servicing burden presents a major scalability problem. For every thousand policies on the books, agencies are effectively employing two full-time account executives just to keep up. The result is a “tyranny of insurance” where agency growth becomes harder as success increases. This challenge is even more pronounced for agencies focused on the middle market or attempting to backfill their books with small commercial insurance and personal lines.

Scaling a book of business while trapped in administrative quicksand isn’t just inefficient; it’s unsustainable. Agencies need a way to break free if they hope to thrive in today’s competitive and evolving market.