Agency Universe Study.
For over 32 years, the Agency Universe Study has served as a benchmark for analyzing the independent insurance agency system.
The most comprehensive study of Independent Agencies, available in full or summary version.
2026 Agency Universe Study.
The Most Comprehensive Study of Independent Agencies.
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The State of Independent Agencies: Growth, Challenges & Resilience Independent agents are thriving.
—but the road isn’t without its challenges and the Big I has your back.
Here’s what the latest research reveals about the industry:
Independent P&C Agencies in the U.S.
of Agencies are were established in the last five years
of Agencies report increases in personal lines revenue and two in three in commercial lines revenue
of Agencies are using AI, while robotic processing automation usage remains low.
Finding and screening talent and keeping up with the latest in AI are key challenges.
of agencies have some type of perpetuation tool or plan in place on part with 2024 (85%)
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Independence Doesn’t Mean Doing It Alone.
Independent agents are navigating a tough market, shifting client expectations, and the challenge of finding new opportunities. 57% of agencies say that finding markets is their top concern, and we know that communicating changes and navigating the hard market are ongoing struggles.
But here’s the good news—94% of agents feel resilient, and we’re here to ensure you have the right tools to stay that way.
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