Forward to: Distribution

Distribution & Agency
Workflows

Ten agent workflows for the Distribution team — agency performance monitoring, broker network analysis, channel optimization, producer vetting, agency digital maturity scoring, new appointment evaluation, book of business intelligence, distribution channel benchmarking, agency marketing effectiveness, and partner ecosystem mapping.

1Agency Digital Maturity Scoring

AI agent evaluates agency and broker digital maturity by analyzing their web presence — identifying which producers have modern digital capabilities, strong market presence, and growth potential.

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Score Agency Digital Presence
/about /products /careers /blog OpenPageRank Domain Ages
AGENCY DIGITAL MATURITY — TOP 500 PRODUCERS ════════════════════════════════════════════════════════ TIER 1 — Digital Leaders (87 agencies) marshberry.com — Score: 94/100 18/20 pages | PR: 6.8 | Age: 9,125 days | /blog: Weekly content /careers: 34 positions | /products: Full commercial lines listed Premium volume: $42M | Growth: +14%/yr TIER 2 — Competent Digital (198 agencies) regionalmutualagency.com — Score: 62/100 11/20 pages | PR: 3.2 | Age: 4,380 days /products: Listed but basic | /blog: Monthly updates Premium volume: $8.4M | Growth: +4%/yr TIER 3 — Basic Web Presence (156 agencies) Average: 5/20 pages | PR: 1.4 | No blog or careers Premium volume avg: $2.1M | Growth: +1%/yr TIER 4 — Minimal/No Digital (59 agencies) Average: 2/20 pages | PR: 0.3 | Template websites Premium volume avg: $890K | Growth: -3%/yr CORRELATION: Digital maturity score vs. premium growth: r=0.72 Top-tier digital agencies grow 4.7x faster

2New Appointment Evaluation

AI agent evaluates agencies requesting new carrier appointments by analyzing their digital footprint, market positioning, and business legitimacy before committing distribution resources.

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Evaluate Appointment Candidates
/about /leadership /partners /products Domain Ages OpenPageRank IAB Categories
APPOINTMENT EVALUATION — 12 REQUESTS THIS MONTH ════════════════════════════════════════════════════════ RECOMMENDED — Strong Candidate midatlanticinsgroup.com /about: Est. 2012, 45 producers, 6 offices | PR: 4.8 /partners: Lists 8 carrier appointments (reputable carriers) /leadership: Experienced principals, CPCU/ARM designations /products: Commercial focus aligns with our appetite /careers: Actively hiring producers — growth mode VERDICT: Appoint — strong fit for commercial lines growth DECLINE — Red Flags quickinsurancequotes.net /about: Generic, no specific details | PR: 0.4 Age: 167 days | /partners: Not present /leadership: Not present | Web Filtering: Insurance Leads VERDICT: Decline — appears to be lead aggregator, not true agency

3Broker Network Analysis

AI agent maps the broker and agency network by analyzing partner relationships, carrier appointments, and market specializations through domain intelligence — identifying strategic opportunities and gaps.

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Map Distribution Network
/partners /about /products IAB Categories Countries
DISTRIBUTION NETWORK MAP — 500 APPOINTED AGENCIES ════════════════════════════════════════════════════════ GEOGRAPHIC COVERAGE: Northeast: 142 agencies (strong) Southeast: 118 agencies (strong) Midwest: 87 agencies (adequate) Southwest: 34 agencies (under-represented) West: 29 agencies (under-represented) Pacific NW: 12 agencies (critical gap) SPECIALTY GAPS (from /products page analysis): Construction: 67 agencies specializing Healthcare: 23 agencies (below target) Technology: 8 agencies (significant gap) Cannabis: 2 agencies (emerging market, unaddressed) COMPETITOR OVERLAP (from /partners pages): 78% of our agencies also appointed with Travelers 72% also appointed with Hartford Only 12% exclusively appointed with us

4Channel Optimization Intelligence

AI agent analyzes distribution channel performance using domain intelligence to identify high-performing channels, underperforming segments, and optimization opportunities across the agency network.

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Analyze Channel Performance
/about /blog /events OpenPageRank Personas
CHANNEL OPTIMIZATION — DISTRIBUTION PERFORMANCE ════════════════════════════════════════════════════════ TOP PERFORMING CHANNEL: Digital-First Agencies Characteristics: PR >4, /blog active, /events present 87 agencies (17% of network) Premium per agency: $4.8M (2.4x average) Loss ratio: 41% | Growth: +16%/yr Hit ratio: 34% (vs. 22% network average) UNDERPERFORMING: Traditional-Only Agencies Characteristics: PR <2, no blog, no events, basic website 156 agencies (31% of network) Premium per agency: $1.2M (0.6x average) Loss ratio: 58% | Growth: -1%/yr RECOMMENDATION: Invest in digital enablement for mid-tier agencies Consolidate bottom 50 non-performing agencies Increase contingency bonuses for digital-first channel Projected impact: +$34M in profitable premium growth

5Producer Vetting & Due Diligence

AI agent performs automated due diligence on individual producers and agency principals — verifying backgrounds, identifying conflicts of interest, and assessing professional reputation through digital footprint analysis.

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Vet Producer Background
/leadership /about /legal /press Domain Ages Web Filtering
PRODUCER DUE DILIGENCE — 8 NEW PRODUCER APPLICATIONS ════════════════════════════════════════════════════════ CLEARED — No Concerns Producer: John Mitchell | Agency: mitchellinsurance.com /leadership: Listed as VP Commercial Lines, 18 years experience /about: Reputable agency, BBB A+ rating referenced /press: Industry award recognition Background: Clean — recommend approval RED FLAG — Potential Concern Producer: Robert Garcia | Agency: elitecoveragebrokers.com Domain Age: 89 days | /leadership: Only Robert listed /about: Claims "25 years experience" but domain brand-new /legal: Not present — no E&O disclosure Previous agency domain: garciainsgroup.com /press: News article about license suspension in 2024 ACTION: Decline — license history concern, verify with state DOI

6Book of Business Intelligence

AI agent analyzes the book of business submitted by agencies using domain intelligence — profiling the types of risks, industry concentrations, and quality characteristics of the businesses agencies typically insure.

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Profile Agency Book Quality
/about /products IAB Categories OpenPageRank Domain Ages
BOOK OF BUSINESS ANALYSIS — TOP 20 AGENCIES ════════════════════════════════════════════════════════ coastalinsurancegroup.com — Book: $24M premium Insured profile (from domain analysis of submitted risks): Avg digital maturity: 74/100 (high quality risks) Industry mix: 40% healthcare, 30% professional services, 30% tech Avg domain age of insureds: 8.4 years Loss ratio: 38% | Growth: +11%/yr HIGH VALUE: Consistently submits well-established businesses budgetinsurancemart.com — Book: $6.2M premium Insured profile: Avg digital maturity: 28/100 (thin web presence risks) Industry mix: 60% construction, 25% retail, 15% food service Avg domain age of insureds: 1.8 years Loss ratio: 72% | Growth: +2%/yr LOW VALUE: Submits high-risk, new-business profiles

7Agency Marketing Effectiveness

AI agent evaluates how effectively agencies market insurance products by analyzing their content, digital engagement, and online visibility — informing co-marketing investments and agency development strategies.

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Assess Agency Marketing Capability
/blog /events /case-studies /products OpenPageRank
AGENCY MARKETING ASSESSMENT — CO-MARKETING CANDIDATES ════════════════════════════════════════════════════════ EXCELLENT MARKETING CAPABILITY riskadvisorsgroup.com — Marketing score: 92/100 /blog: 3x weekly, industry-specific content /events: Monthly webinars, annual conference /case-studies: 24 detailed case studies /products: Detailed coverage descriptions with CTAs PageRank: 5.4 — strong organic visibility RECOMMENDATION: Priority co-marketing partner, $50K budget LIMITED MARKETING CAPABILITY johnsonsinsurance.net — Marketing score: 18/100 /blog: Not present | /events: Not present /case-studies: Not present /products: Basic list, no descriptions PageRank: 0.7 RECOMMENDATION: Provide agency marketing toolkit instead

8Distribution Strategy Intelligence

AI agent monitors industry distribution trends by analyzing agency mergers, acquisitions, new entrants, and digital disruption across the insurance distribution landscape.

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Track Distribution Market Shifts
/press /about /partners Change Detection IAB Categories
DISTRIBUTION MARKET INTELLIGENCE — FEBRUARY 2026 ════════════════════════════════════════════════════════ M&A ACTIVITY AFFECTING OUR NETWORK: acrisure.com /press: Acquired 3 of our appointed agencies Impact: $12M in premium now under Acrisure control Risk: Consolidation may shift premium to their preferred carriers DIGITAL DISRUPTORS EMERGING: nextinsurance.com — PR surged from 4.2 to 6.8 in 6 months /products: Fully digital SMB platform, 5-minute quotes /careers: 47 new positions (aggressive hiring) Targeting our small commercial segment directly OPPORTUNITY: 12 independent agencies in Pacific NW seeking new appointments Identified via /partners pages showing carrier changes Fill our geographic gap — initiate outreach immediately

9Agency Retention Risk Monitoring

AI agent monitors agency satisfaction and retention risk indicators through web presence changes — detecting when agencies may be shifting business to competitors or considering termination.

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Detect Agency Retention Risks
/partners /press /products Change Detection
AGENCY RETENTION RISK ALERTS — FEBRUARY 2026 ════════════════════════════════════════════════════════ HIGH RISK — 3 agencies showing warning signs keystoneinsgroup.com — Premium: $8.4M /partners: Our carrier name removed from partner page /products: Competitor products now prominently featured SIGNAL: Actively shifting business away from us ACTION: Schedule VP meeting within 48 hours legacybrokers.com — Premium: $5.2M /press: "Legacy Brokers announces strategic partnership with Chubb" SIGNAL: New carrier relationship may divert premium ACTION: Review contingency agreement, increase engagement POSITIVE SIGNAL — Agencies deepening relationship 4 agencies added our name to their /partners page this month Estimated premium uplift potential: +$3.2M

10Distribution Performance Dashboard

AI agent generates comprehensive distribution analytics — agency performance rankings, channel health metrics, and growth opportunity identification powered by domain intelligence signals.

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Generate Distribution Intelligence Report
/about /partners OpenPageRank Domain Ages

Distribution Intelligence — Q1 2026

NETWORK HEALTH ──────────────────────────────────────── Active agencies: 500 | New appointments: 12 | Terminations: 4 Avg digital maturity: 58/100 (up from 52 last quarter) Premium per agency: $4.2M avg (up 8% YoY) CHANNEL PERFORMANCE Digital-first agencies: $418M premium, LR 41% Traditional agencies: $187M premium, LR 58% Hybrid agencies: $495M premium, LR 47% GROWTH OPPORTUNITIES IDENTIFIED Pacific NW gap: 12 prospective agencies identified Technology vertical: 8 specialty agencies to recruit Projected growth if executed: +$67M in premium
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