Who Makes the Shortlist: The New Distribution Penalty

Who Makes the Shortlist: The New Distribution Penalty

Jul 22, 2026

Distribution Economics — Part 3 By James W. Moore Key Takeaways Distribution has always run on an informal algorithm: the producer’s accumulated feel for which carriers to trust, built from years of anecdote and correction. AI is starting to formalize that...
The State of AI in Retail Insurance Agencies

The State of AI in Retail Insurance Agencies

Jul 8, 2026

Author: James W. Moore A landscape overview for independent P&C agents navigating a fast-moving market This piece is a companion to What Your AMS/PMS Is Building in AI, Near-Term. That piece covers what your platform vendor, Guidewire, Applied, Vertafore, and...
Can You Actually Charge for Advocacy?

Can You Actually Charge for Advocacy?

Jun 24, 2026

What Your State Says. By James W. Moore | InsuranceIndustry.AI Distribution Economics Series: Part 2 Key Takeaways Most states allow producers to charge fees, but “allowed” covers a wide range of conditions, restrictions, and disclosure requirements that...
What Does a 12% Commission Actually Buy?

What Does a 12% Commission Actually Buy?

Jun 17, 2026

AI Is About to Answer That Question. By James W. Moore | InsuranceIndustry.AI Distribution Economics Series: Part 1 This is the first article in an ongoing series examining how AI is reshaping the economics of insurance distribution. Part 2 looks at the regulatory...