Tech, Transparency, and Teamwork: Keys to Agency Growth in 2026
Deloitte’s 2026 Insurance Outlook points to a shifting environment where property/casualty carriers are balancing margin pressure, technological transformation, and distribution realignment. For independent agents, the message is clear: adaptation and partnership will define success.
The report notes that rising claims costs and moderating premium growth are expected to squeeze underwriting profits in 2026. As carriers look to technology and efficiency to maintain profitability, artificial intelligence and data-driven underwriting are becoming core to operations rather than optional enhancements. For agents, this means working with carriers that can deliver speed, accuracy, and transparency through integrated digital tools.
Deloitte also highlights the growing importance of distribution strategy, with carriers focusing on deeper collaboration and smarter appetite communication. Independent agents who invest in digital engagement, client analytics, and carrier alignment will be best positioned to thrive as the market evolves.