My question for you today is do you produce or you just practice? That’s the topic of today’s post.
I hear it all the time from agency owners and sales leaders across the country, how do I get my people to produce? Well, the fact of the matter is you’ve got to teach them how to sell value and sell a relationship. Right now, we’ve got agents running rampant, doing their best to compete on price, and I hate to tell you, that’s like building your house on a foundation full of sinking sand. People want value. They may not realize it at the beginning of a meeting, but that’s your job to show them precisely what you can do that they’re currently not getting. People who sell on price will also lose on price, and people who sell on value will take that business every time.
We have equations that we’ve used over the years. Call 100 people, get 50 people to answer the phone, get 20 people to meet with you, ten will let you quote, and two will end up being your client. That’s insane. Work so much smarter than that. You have to know who your audience is. You have to know the motivating factors behind what drives them to give you the order, and then you have the leverage that every time you meet with them. We don’t need people to be in our organizations that only quote, “trying to earn business.” There’s no value in that at all.
Figure out a way to differentiate yourself. Create a unique process and approach and brand that, with its brand separate from your agency’s. Then go out and define your ideal prospects, put those people in your pipeline, and call on those people and nobody else. Those couple of steps will be one of the things that help you keep from practicing more than producing. If you fill your pipeline with the right people, if you remain relevant by staying in front of them, if you have a value proposition instead of a quoting machine, that is exactly what’s going to allow you to kill it in commercial insurance.
If you are still walking into meetings talking about premiums, coverage forms, and carrier options, you are already behind.
The middle market is evolving. Business owners are more sophisticated. They are more aware of their financials. And most importantly, they are tired of writing checks for insurance year after year without seeing a return.
Workers’ compensation is one of the most misunderstood and underestimated lines of coverage in the middle market. Too many producers view it as a commodity, something to quote, bind, and move on from. But as the market heads toward 2026, that mindset is becoming a liability.
For years, commercial insurance producers could survive by being good enough across a wide range of industries. They could write a little construction, a little manufacturing, a little hospitality, and a little habitational business and still build a respectable book.
The commercial insurance industry is in the middle of a quiet evolution.
While most conversations still revolve around premiums, deductibles, limits, and carrier appetite, a different category of risk transfer has been gaining traction beneath the surface—parametric insurance. It is not new, but it is finally becoming accessible, relevant, and actionable for middle market producers who are willing to think differently about risk.
In a recent episode of the Power Producers Podcast, I sat down with Brian Thompson from Descartes Underwriting to unpack what parametric insurance actually is, what it is not, and why producers who ignore it may be leaving their clients—and themselves—exposed.
This article breaks that conversation down into practical, producer-friendly language and shows how parametric insurance fits into modern middle market risk management.
The last several years have reshaped the landscape of property insurance across the country. While most national carriers have retreated from coastal states, wildfire zones, and other catastrophe-exposed regions, a handful of disciplined players have taken the opposite path—leaning into difficult markets with a strategic, data-driven approach.
For most entrepreneurs, the decision to start a business is rooted in the promise of freedom. Freedom from a boss, freedom to control income, and freedom to build something meaningful. Yet for many business owners, particularly in service-based industries and middle-market companies, that freedom slowly erodes. What begins as ownership eventually turns into obligation, where the business demands constant attention and the owner becomes the single point of failure.
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