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Broker World guides
Independent agent, broker, captive agent or direct?How independent agents, brokers, captive agents and direct insurers differ in who they legally represent, how they are paid and how many insurers see your risk.Writing a broker RFP for a commercial insurance programHow to run a broker RFP: what to send, questions on compensation and claims advocacy, a scoring matrix, and how to avoid blocking carrier markets.Declined for coverage? Where hard-to-place businesses find insuranceWhy standard insurers decline some businesses and where to go next: surplus lines, assigned risk, FAIR Plans, risk retention groups and fixes that work.How commercial insurance brokers get paidCommissions, client fees, contingent and supplemental pay, wholesale splits, and the rules that let you ask what a broker earns on your account.How to choose a commercial insurance brokerHow to vet a commercial broker: license and E&O, industry experience, market access, compensation, service model, references and red flags, with a scorecard.How to negotiate a business insurance renewalA renewal timeline and the levers that move price and terms: submission quality, retentions, loss runs, remarketing and what 2026 market data says.Private equity and the consolidation of insurance brokersHow private equity roll-ups reshaped insurance brokerage, the 2025 deal counts, the biggest recent acquisitions, and what to ask when your broker is sold.Full-stack insurtechs vs MGAs vs digital agenciesHow to tell whether an insurtech is a carrier, an MGA or an agency, why it matters for claims, ratings and renewal, and where to check on your policy.The largest commercial insurance brokers, ranked by 2025 revenueThe biggest insurance brokers by 2025 revenue, from company filings and Business Insurance's 2026 list, why the order shifted, and what size means for a buyer.Managing general agents (MGAs): what they are and what they mean for buyersAn MGA underwrites and issues policies for an insurer under delegated authority. How MGAs work, what the carrier owes you, and what to check before buying.Producer licensing for agents and brokersHow U.S. producer licensing works: lines of authority, resident and nonresident licenses, NIPR and the NAIC Producer Licensing Model Act, and buyer checks.Program business: niche insurance through program administratorsHow program insurance works: administrators, issuing carriers and reinsurers, what NAIC Model 225 requires, 2026 market size data, and what buyers should check.Wholesale brokers and surplus lines placement: how hard risks get insuredHow wholesale brokers place hard-to-insure risks with surplus lines insurers: the retail broker role, diligent search, taxes, stamping offices and buyer impact.