{"id":8846,"date":"2023-07-17T12:11:52","date_gmt":"2023-07-17T16:11:52","guid":{"rendered":"https:\/\/trustedchoice.independentagent.com\/?page_id=8846"},"modified":"2026-09-07T12:57:35","modified_gmt":"2026-09-07T12:57:35","slug":"hardmarket","status":"publish","type":"page","link":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/","title":{"rendered":"Navigating Client Communications in the Hard Market"},"content":{"rendered":"\n<figure class=\"wp-block-image alignfull size-large p-0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/sites\/54\/2026\/07\/iStock-949182974-e1707924833551-1.jpg\" alt=\"\" class=\"wp-image-37419\"\/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading alignwide\" id=\"h-navigating-client-communications-in-the-hard-market\">Navigating Client Communications in the Hard Market<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h6 class=\"wp-block-heading alignwide\" id=\"h-a-toolkit-for-big-i-independent-agents\">A Toolkit for Big &#8220;I&#8221; Independent Agents<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-orange-gradient-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/hard-market-insights\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><span>access additional insights<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/20137281\/c25ab1b5-96e7-4994-aeba-a3afb5a3542d?__hstc=79369803.346dec66301721d9521a21b902e46ae1.1758381962868.1783657041499.1783661864675.294&amp;__hssc=79369803.5.1783661864675&amp;__hsfp=18cc51799df7f5ced6f4d5a440388f4c\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><span>Download 2024 Toolkit Expansion<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/resources\/hard-market-toolkit-full\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><span>Download 2023 toolkit<\/span><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"alignwide wp-block-paragraph\">During these challenging times, with rising premiums in a hard market, independent insurance agents are more important than ever. This Hard Market Toolkit provides resources that agents can use to navigate the current market conditions successfully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center alignwide\" id=\"h-supporting-resources\">Supporting Resources<\/h2>\n\n\n\n<p class=\"has-text-align-center has-medium-variant wp-block-paragraph\">Leverage the resources below to support your agency during the hard market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-sales-and-communication-tools\">Sales and Communication Tools<\/h2>\n\n\n\n<div class=\"card-grid-cta alignwide has-3-columns\">\n\t\n\t<div class=\"card-grid-cta__layout\">\n\t\t<div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2024\/08\/iStock-1440707873.jpg?w=1024\" loading=\"lazy\" alt=\"\" height=\"655\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Hard Market Overcoming Objections<\/span><\/h3><div class=\"card-cta__content\"><p>Resource for independent agents with strategies for overcoming common client objections to purchase. <\/p><\/div><div class=\"card-cta__cta is-style-orange-gradient-outline\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/hard-market-overcoming-objections\/\" data-post-id=\"12488\">DOWNLOAD<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2024\/08\/iStock-1266865934.jpg?w=813\" loading=\"lazy\" alt=\"\" height=\"430\" width=\"813\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Winning Back Unsold Business &#8211; Process Pack<\/span><\/h3><div class=\"card-cta__content\"><p>Agency process pack for winning back unsold business. <\/p><\/div><div class=\"card-cta__cta is-style-orange-gradient-outline\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/winning-back-unsold-business-process-pack\/\" data-post-id=\"12500\">DOWNLOAD<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2024\/08\/iStock-1620440886.jpg?w=1024\" loading=\"lazy\" alt=\"\" height=\"754\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Commercial Cold Calling Scripts<\/span><\/h3><div class=\"card-cta__content\"><p>Sample cold calling script for agents to use. <\/p><\/div><div class=\"card-cta__cta is-style-orange-gradient-outline\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/commercial-cold-calling-scripts\/\" data-post-id=\"12494\">DOWNLOAD<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2024\/08\/hyyhiyz_l0a.jpg?w=1024\" loading=\"lazy\" alt=\"a blue button with a white envelope on it\" height=\"576\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Email and Website Script Templates (New*)<\/span><\/h3><div class=\"card-cta__cta is-style-orange-gradient-outline\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/email-and-website-templates\/\" data-post-id=\"12612\">DOWNLOAD<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/07\/3mhgvrk4tjm.jpg?w=1024\" loading=\"lazy\" alt=\"black laptop computer\" height=\"683\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Hard Market Email Scripts (Explaining a Hard Market)<\/span><\/h3><div class=\"card-cta__cta is-style-orange-gradient-outline\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/hard-market-email-script\/\" data-post-id=\"8949\">DOWNLOAD<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/07\/pud6c90isp0.jpg?w=1024\" loading=\"lazy\" alt=\"a pen sitting on top of a pile of papers\" height=\"576\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Remarketing Form<\/span><\/h3><div class=\"card-cta__cta is-style-orange-gradient-outline\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/hardmarket-remarketing\/\" data-post-id=\"8999\">DOWNLOAD<\/a><\/div><\/div><\/div><\/div>\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center alignwide\" id=\"h-renewals-forms\">Renewals Forms<\/h2>\n\n\n\n<p class=\"has-text-align-center has-medium-variant wp-block-paragraph\">Templates for agents to use during the renewals process.<\/p>\n\n\n\n<div class=\"card-grid-cta alignwide has-3-columns\">\n\t\n\t<div class=\"card-grid-cta__layout\">\n\t\t<div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/07\/ctre4_4l7b8.jpg?w=1024\" loading=\"lazy\" alt=\"green farming equipment on brown field\" height=\"576\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Renewal Form &#8211; Farm<\/span><\/h3><div class=\"card-cta__cta\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/hard-market-renewal-form-farm\/\" data-post-id=\"9002\">Learn more<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/07\/flpc9_vocj4.jpg?w=1024\" loading=\"lazy\" alt=\"person using laptop\" height=\"683\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Renewal Form &#8211; Personal<\/span><\/h3><div class=\"card-cta__cta\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/hard-market-personal-lines-renewal-form\/\" data-post-id=\"8995\">Learn more<\/a><\/div><\/div><\/div><\/div><div class=\"card-cta\"><div class=\"card-cta__layout\"><figure class=\"card-cta__media\"><img decoding=\"async\" src=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/07\/jfdqjfctya.jpg?w=1024\" loading=\"lazy\" alt=\"high-angle photography of black high-rise buildings\" height=\"683\" width=\"1024\" style=\"object-position: 50% 50%\"><\/figure><div class=\"card-cta__text\"><h3 class=\"card-cta__heading has-medium-heading-variant\"><span class=\"card-cta__heading-text\">Renewal Form &#8211; Commercial<\/span><\/h3><div class=\"card-cta__cta\"><a class=\"wp-block-button__link wp-element-button card-cta__link\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/resources\/hardmarket-renewal-form-commercial\/\" data-post-id=\"9005\">Learn more<\/a><\/div><\/div><\/div><\/div>\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" style=\"object-position: 50% 50%\" src=\"\/wp-content\/uploads\/sites\/54\/2026\/07\/5e9c1e1cb97b6b640413230d-Converted_57067c.webp\" alt=\"\" class=\"wp-image-37432 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 id=\"h-new-business-fill-in-forms\" class=\"wp-block-heading\">New Business Fill-in Forms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Does your agency need a way to streamline the quoting process, enhance communication between agents and clients, and ensure accuracy in policy details?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An agency quote sheet serves as a comprehensive and standardized document, capturing essential information efficiently. By utilizing these templates, agencies can not only save time but also project a polished and trustworthy image, reinforcing their commitment to delivering top-notch service.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-orange-gradient-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/resources\/hard-market-business-sheet-personal-lines\/\"><span>Personal Lines Sheet<\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-orange-gradient-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/resources\/hard-market-business-sheet-commercial-lines\/\"><span>Commercial Lines Sheet<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 41%\"><div class=\"wp-block-media-text__content\">\n<h2 id=\"h-custom-creative-to-showcase-your-value-as-an-independent-agent\" class=\"wp-block-heading\">Custom Creative to Showcase your Value as an Independent Agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Designed to include your agency logo and agent headshot!<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Video<\/li>\n\n\n\n<li>Graphics<\/li>\n\n\n\n<li>Social Media Content<\/li>\n\n\n\n<li>Digital Display Ads<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-orange-gradient-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/marketing-campaigns\/in-your-corner\/\"><span>Browse campaign<\/span><\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" style=\"object-position: 50% 50%\" src=\"\/wp-content\/uploads\/sites\/54\/2021\/02\/Halloween-Activity-Board-Square.jpg\" alt=\"\" class=\"wp-image-37433 size-full\"\/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-what-agents-are-saying\">What Agents are Saying<\/h2>\n\n\n\n<figure class=\"wp-block-video alignwide\"><video controls src=\"\/wp-content\/uploads\/sites\/54\/2026\/07\/Hard-Market_c00992.mp4\"><\/video><\/figure>\n\n\n\n<section class=\"testimonials testimonials--blue testimonial-slider alignwide\" id=\"testimonial-slider\">\n\t<div class=\"testimonial-slider__shell\">\n\n\t\t<div class=\"testimonial-slider__quote-accent\" aria-hidden=\"true\">\n\t\t\t<svg class=\"testimonial-slider__quote-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"77\" height=\"51\" viewBox=\"0 0 77 51\" aria-hidden=\"true\" focusable=\"false\">\n\t\t\t\t<path d=\"M0 0h28v18.195L0 51zm49 0h28v18.195L49 51z\" fill=\"currentColor\"\/>\n\t\t\t<\/svg>\n\t\t<\/div>\n\n\t\t<div class=\"testimonial-slider__viewport\">\n\t\t\t<ul class=\"testimonial-slider__track\">\n\t\t\t\t\n\n<li class=\"testimonial-slider__slide\">\n\t<div class=\"testimonial-slide\">\n\n\t\t\t\t\t<p class=\"testimonial-slide__quote\">\u201cMost clients have no idea what a hard or soft market is or means to them.  But they do know when they have a problem, and if you are a problem solver, the value you bring them will increase you in their eyes.  So be honest, educate your clients, and think outside the box when it comes to solving their risk and insurance needs. \u201d<\/p>\n\t\t\n\t\t<div class=\"testimonial-slide__author\">\n\t\t\t<div class=\"testimonial-slide__person\">\n\n\t\t\t\t\t\t\t\t\t<img\n\t\t\t\t\t\tclass=\"testimonial-slide__person-image\"\n\t\t\t\t\t\tsrc=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2026\/09\/Bob-Fee.webp?w=150&#038;h=150&#038;crop=1\"\n\t\t\t\t\t\talt=\"\"\n\t\t\t\t\t\twidth=\"90\"\n\t\t\t\t\t\theight=\"90\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t\/>\n\t\t\t\t\n\t\t\t\t<div class=\"testimonial-slide__person-details\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"testimonial-slide__person-name\">Bob Fee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"testimonial-slide__person-title\">President, Fee Insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/li>\n\n\n\n<li class=\"testimonial-slider__slide\">\n\t<div class=\"testimonial-slide\">\n\n\t\t\t\t\t<p class=\"testimonial-slide__quote\">\u201cWork to deepen the relationships you have with your underwriters&hellip; They&rsquo;re doing their best to navigate their corporate objectives from an underwriting and pricing perspective while striving to present a reasonable solution to their agents. Remembering that they&rsquo;re human, too, and having candid conversations about what they need on a specific account, can go a long way in securing a favorable renewal.\u201d<\/p>\n\t\t\n\t\t<div class=\"testimonial-slide__author\">\n\t\t\t<div class=\"testimonial-slide__person\">\n\n\t\t\t\t\t\t\t\t\t<img\n\t\t\t\t\t\tclass=\"testimonial-slide__person-image\"\n\t\t\t\t\t\tsrc=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2026\/09\/Matt-Simon.webp?w=150&#038;h=150&#038;crop=1\"\n\t\t\t\t\t\talt=\"\"\n\t\t\t\t\t\twidth=\"90\"\n\t\t\t\t\t\theight=\"90\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t\/>\n\t\t\t\t\n\t\t\t\t<div class=\"testimonial-slide__person-details\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"testimonial-slide__person-name\">Matt Simon<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"testimonial-slide__person-title\">President, Coverlink<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/li>\n\n\n\n<li class=\"testimonial-slider__slide\">\n\t<div class=\"testimonial-slide\">\n\n\t\t\t\t\t<p class=\"testimonial-slide__quote\">\u201cMost clients have no idea what a hard or soft market is or means to them.  But they do know when they have a problem, and if you are a problem solver, the value you bring them will increase you in their eyes.  So be honest, educate your clients, and think outside the box when it comes to solving their risk and insurance needs. \u201d<\/p>\n\t\t\n\t\t<div class=\"testimonial-slide__author\">\n\t\t\t<div class=\"testimonial-slide__person\">\n\n\t\t\t\t\t\t\t\t\t<img\n\t\t\t\t\t\tclass=\"testimonial-slide__person-image\"\n\t\t\t\t\t\tsrc=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2026\/09\/Michelle-OConnor-2.webp?w=150&#038;h=150&#038;crop=1\"\n\t\t\t\t\t\talt=\"\"\n\t\t\t\t\t\twidth=\"90\"\n\t\t\t\t\t\theight=\"90\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t\/>\n\t\t\t\t\n\t\t\t\t<div class=\"testimonial-slide__person-details\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"testimonial-slide__person-name\">Bob Fee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"testimonial-slide__person-title\">President, Fee Insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/li>\n\n\t\t\t<\/ul>\n\t\t<\/div>\n\n\t\t\t\t\t<nav class=\"testimonial-slider__bullets\" aria-label=\"Testimonial slides\">\n\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\ttype=\"button\"\n\t\t\t\t\t\tclass=\"testimonial-slider__bullet testimonial-slider__bullet--active\"\n\t\t\t\t\t\tdata-slide-index=\"0\"\n\t\t\t\t\t\taria-current=\"true\"\t\t\t\t\t><span class=\"a11y\">Go to slide 1<\/span><\/button>\n\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\ttype=\"button\"\n\t\t\t\t\t\tclass=\"testimonial-slider__bullet\"\n\t\t\t\t\t\tdata-slide-index=\"1\"\n\t\t\t\t\t\t\t\t\t\t\t><span class=\"a11y\">Go to slide 2<\/span><\/button>\n\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\ttype=\"button\"\n\t\t\t\t\t\tclass=\"testimonial-slider__bullet\"\n\t\t\t\t\t\tdata-slide-index=\"2\"\n\t\t\t\t\t\t\t\t\t\t\t><span class=\"a11y\">Go to slide 3<\/span><\/button>\n\t\t\t\t\t\t\t\t<\/nav>\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Have a question or need help? Contact us at&nbsp;<a href=\"mailto:Trusted.Choice@iiaba.net\">Trusted.Choice@iiaba.net<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-00f60e24 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.independentagent.com\/belong\"><span>join the big \u201cI\u201d now to gain access<\/span><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"alignwide wp-block-paragraph\">IMPORTANT DISCLAIMER: THIS MUST BE READ BEFORE YOU USE THIS TOOLKIT.<\/p>\n\n\n\n<p class=\"has-text-align-left alignwide wp-block-paragraph\">This toolkit of sample communication templates (\u201cToolkit\u201d) has been prepared for general information purposes only and should be tailored according to all legal, business or other requirements applicable.&nbsp; There shall be no liability in any way for reliance on or use of this Toolkit. This Toolkit is not intended to constitute and should not be considered legal or other professional advice, nor shall it serve as a substitute for obtaining such advice. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional, such as an attorney, should be sought.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Navigating Client Communications in the Hard Market A Toolkit for Big &#8220;I&#8221; Independent Agents During these challenging times, with rising premiums in a hard market, independent insurance agents are more important than ever. This Hard Market Toolkit provides resources that agents can use to navigate the current market conditions successfully. Supporting Resources Leverage the resources [&hellip;]<\/p>\n","protected":false},"author":45,"featured_media":8847,"parent":0,"menu_order":143,"comment_status":"closed","ping_status":"closed","template":"","meta":{"authentication_status":"","authentication_restrictions":[],"_downloads_block_files":[],"_sponsor_title":"","_sponsor_url":"","_person_author_id":0,"content-type":"","share_enabled":false,"community_list_site":"","bigi_community_list_restrictions":[],"footnotes":""},"tags":[],"class_list":["post-8846","page","type-page","status-publish","has-post-thumbnail","hentry","ep_custom_result-hard-market","ep_custom_result-hard-market-toolkit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Navigating Client Communications<\/title>\n<meta name=\"description\" content=\"Navigating Client Communications in the Hard Market A Toolkit for Big &quot;I&quot; Independent Agents access additional insights Download 2024 Toolkit Expansion\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Navigating Client Communications in the Hard Market\" \/>\n<meta property=\"og:description\" content=\"Navigating Client Communications in the Hard Market A Toolkit for Big &quot;I&quot; Independent Agents access additional insights Download 2024 Toolkit Expansion\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/\" \/>\n<meta property=\"og:site_name\" content=\"Trusted Choice\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-07T12:57:35+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/06\/iStock-949182974-e1707924833551.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/\",\"url\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/\",\"name\":\"Navigating Client Communications\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/wp-content\\\/uploads\\\/sites\\\/54\\\/2023\\\/06\\\/iStock-949182974-e1707924833551.jpg\",\"datePublished\":\"2023-07-17T16:11:52+00:00\",\"dateModified\":\"2026-09-07T12:57:35+00:00\",\"description\":\"Navigating Client Communications in the Hard Market A Toolkit for Big \\\"I\\\" Independent Agents access additional insights Download 2024 Toolkit Expansion\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/wp-content\\\/uploads\\\/sites\\\/54\\\/2023\\\/06\\\/iStock-949182974-e1707924833551.jpg\",\"contentUrl\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/wp-content\\\/uploads\\\/sites\\\/54\\\/2023\\\/06\\\/iStock-949182974-e1707924833551.jpg\",\"width\":3145,\"height\":8400,\"caption\":\"Elevated View Of A Male Manager Shaking Hands With Female Applicant At Workplace\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/hardmarket\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Navigating Client Communications in the Hard Market\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/#website\",\"url\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/\",\"name\":\"Trusted Choice\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/#organization\",\"name\":\"Trusted Choice\",\"url\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/wp-content\\\/uploads\\\/sites\\\/54\\\/2026\\\/09\\\/trustedchoice-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/wp-content\\\/uploads\\\/sites\\\/54\\\/2026\\\/09\\\/trustedchoice-logo.png\",\"width\":1080,\"height\":466,\"caption\":\"Trusted Choice\"},\"image\":{\"@id\":\"https:\\\/\\\/www.independentagent.com\\\/trustedchoice\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Navigating Client Communications","description":"Navigating Client Communications in the Hard Market A Toolkit for Big \"I\" Independent Agents access additional insights Download 2024 Toolkit Expansion","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/","og_locale":"en_US","og_type":"article","og_title":"Navigating Client Communications in the Hard Market","og_description":"Navigating Client Communications in the Hard Market A Toolkit for Big \"I\" Independent Agents access additional insights Download 2024 Toolkit Expansion","og_url":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/","og_site_name":"Trusted Choice","article_modified_time":"2026-09-07T12:57:35+00:00","twitter_card":"summary_large_image","twitter_image":"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/06\/iStock-949182974-e1707924833551.jpg","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/","url":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/","name":"Navigating Client Communications","isPartOf":{"@id":"https:\/\/www.independentagent.com\/trustedchoice\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/#primaryimage"},"image":{"@id":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/#primaryimage"},"thumbnailUrl":"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/06\/iStock-949182974-e1707924833551.jpg","datePublished":"2023-07-17T16:11:52+00:00","dateModified":"2026-09-07T12:57:35+00:00","description":"Navigating Client Communications in the Hard Market A Toolkit for Big \"I\" Independent Agents access additional insights Download 2024 Toolkit Expansion","breadcrumb":{"@id":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/#primaryimage","url":"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/06\/iStock-949182974-e1707924833551.jpg","contentUrl":"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2023\/06\/iStock-949182974-e1707924833551.jpg","width":3145,"height":8400,"caption":"Elevated View Of A Male Manager Shaking Hands With Female Applicant At Workplace"},{"@type":"BreadcrumbList","@id":"https:\/\/www.independentagent.com\/trustedchoice\/hardmarket\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.independentagent.com\/trustedchoice\/"},{"@type":"ListItem","position":2,"name":"Navigating Client Communications in the Hard Market"}]},{"@type":"WebSite","@id":"https:\/\/www.independentagent.com\/trustedchoice\/#website","url":"https:\/\/www.independentagent.com\/trustedchoice\/","name":"Trusted Choice","description":"","publisher":{"@id":"https:\/\/www.independentagent.com\/trustedchoice\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.independentagent.com\/trustedchoice\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.independentagent.com\/trustedchoice\/#organization","name":"Trusted Choice","url":"https:\/\/www.independentagent.com\/trustedchoice\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.independentagent.com\/trustedchoice\/#\/schema\/logo\/image\/","url":"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2026\/09\/trustedchoice-logo.png","contentUrl":"https:\/\/www.independentagent.com\/trustedchoice\/wp-content\/uploads\/sites\/54\/2026\/09\/trustedchoice-logo.png","width":1080,"height":466,"caption":"Trusted Choice"},"image":{"@id":"https:\/\/www.independentagent.com\/trustedchoice\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/pages\/8846","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/comments?post=8846"}],"version-history":[{"count":1,"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/pages\/8846\/revisions"}],"predecessor-version":[{"id":82029,"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/pages\/8846\/revisions\/82029"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/media\/8847"}],"wp:attachment":[{"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/media?parent=8846"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.independentagent.com\/trustedchoice\/wp-json\/wp\/v2\/tags?post=8846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}