You’ll learn how carriers distribute their products, what rules they operate by, and how understanding those mechanics can give you a strategic edge in pricing, terms, and control.

We’ll walk through the historical events—from the Great Chicago Fire to the post-WWII economic boom—that shaped how insurance is bought today. Knowing this context will help you understand why carriers behave the way they do.

Go behind the scenes to see when carriers actually start working on your account, what they look for, and how to tell if your broker is creating real competition—or just going through the motions.

We hear the same frustrations from business owners across industries. This session breaks down those recurring issues and offers clarity, backed by real experience inside a publicly traded brokerage.

Carriers set the rules—and most buyers don’t know what they are. You’ll leave this class with a sharper understanding of how to play the game on your terms, not theirs.

This final section ties everything back to your own renewal strategy—equipping you to spot gaps, ask better questions, and determine if your current broker is truly advocating for you or just maintaining the status quo.