As we close out this year, I find myself reflecting on a journey marked by resilience, collaboration, and growth.
While the challenges of recent years have tested our industry, this year brought signs of recovery, respectable growth, and renewed optimism for the future. Markets are beginning to reopen, providing fresh opportunities for our agents, partners, and the communities we serve.
This progress did not happen by chance. It’s a testament to the hard work and dedication of our team, the trust of our agents, and the strength of our partnerships. Together, we navigated a complex landscape, ensuring stability and innovation in times of uncertainty.
In a year when many were still finding their footing, we stood tall. Our total program growth rose by 7%, a reflection of our ability to adapt and deliver value in a rapidly changing environment. Programs like Express Markets were particularly pivotal, connecting agents with vital solutions in areas where access had been limited for years.
I often think back to a conversation I had with one of our longtime agents earlier this year. They shared how a client in a coastal area, struggling to find coverage in the wake of a hard market, was able to secure a policy through one of our partner markets. “You gave us hope when we thought we’d run out of options,” they said. It’s moments like these that remind me why we do what we do—our work truly makes a difference.
One of the most encouraging developments this year has been the reopening of markets.
After years of contraction in key areas, this shift signals new opportunities for agents to expand their reach and for clients to access broader solutions. This 7% growth is just the beginning, and we are excited to build on this momentum.
As we step into the new year, I am filled with optimism. The advances in technology, particularly artificial intelligence, promise to revolutionize how we approach underwriting, claims, and servicing. These innovations will not only improve efficiencies but also help us create more tailored solutions for our agents and clients.
Our vision for the future remains clear: to lead with integrity, innovate with purpose, and grow alongside our partners. The year ahead will undoubtedly bring its own set of challenges, but I am confident in our ability to meet them with the same spirit that has carried us this far.
Thank you for being an integral part of our journey. Together, we are building something truly extraordinary, and I couldn’t be prouder to lead this remarkable organization.
Wishing you all a wonderful holiday season. Here’s to continued success and shared achievements in the year ahead.