Minimizing the Risk Inside Your Agency

Every agency carries risk, but not every owner understands where that risk really lives. The more risk hidden inside your agency, the more it can limit growth, reduce profitability, and drag down your valuation.

In this webinar, Carey Wallace, Founder of AgencyFocus, walks through a clear framework for identifying and minimizing risk inside your independent insurance agency. From ownership and carrier concentration to performance, retention, loss ratios, and culture, Carey explains how to spot red flags in your business and turn them into action plans.

Whether you are planning to grow, prepare for perpetuation, or position your agency for a future sale, understanding your risk profile is essential.

In this session, you’ll learn:
✅ How risk ties directly to agency value and deal terms
✅ The four main risk categories inside an agency: concentration, performance, culture, and transferability
✅ How to evaluate ownership, carrier, customer, producer, and niche concentration
✅ Why retention and loss ratios are critical indicators of risk
✅ How culture, team structure, and contracts affect continuity and value

Key Topics Covered:

How to assess your agency’s overall health using financials and benchmarks

Measuring profitability and true organic growth

Ownership concentration and the danger of having no plan

Carrier, customer, producer, and niche concentration risk

Retention measurement, strategy, and reporting gaps

Loss ratio trends and their impact on carrier relationships and contingencies

Culture, capacity, and producer contracts as hidden risk factors