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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 forms below to support your agency when facing the challenges of demonstrating value during the hard market.

Renewals Forms

Templates for agents to use during the renewals process.

Renewal Form – Farm
Renewal Form – Personal
Renewal Form – Commercial

Toolkit Components

Remarketing Form
Hard Market Email Script
Talking Points
Expert Advice
Client FAQs
New Business Fill-in Forms

Does your agency need a way to streamline the quoting process, enhance communication between agents and clients, and ensure accuracy in policy details?

An agency quote sheet serves as a comprehensive and standardized document, capturing essential information efficiently. Trusted Choice offers meticulously crafted templates tailored to the diverse needs of insurance agencies, providing a convenient starting point for creating professional and consistent business quotes. 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. The simplicity and effectiveness of these quote sheets can significantly contribute to a seamless client experience, ultimately fostering client satisfaction and loyalty.

Personal Lines Sheet Commercial Lines Sheet


Custom Creative to Showcase your Value as an Independent Agent

Designed to include your agency logo and agent headshot!

  • Video
  • Graphics
  • Social Media Content
  • Digital Display Ads

Browse campaign

What Agents are Saying

  • “Most 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. ”

    Bob Fee President, Fee Insurance
  • “This is your time to shine. You need to have a defensive and offensive strategy in your office — defensive in that you need to set up processes to retain clients. Your offensive strategy is to increase your marketing. When the market is disrupted, it is an ideal time to make sure you are very visible. Whatever strategies work for your agency — double down.”

    Michelle O'Connor O Connor Insurance Associates
  • “Work to deepen the relationships you have with your underwriters… They’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’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.”

    Matt Simon President, Coverlink

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This toolkit of sample communication templates (“Toolkit”) has been prepared for general information purposes only and should be tailored according to all legal, business or other requirements applicable.  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.