like business grow and evolve, and so do they SECURING needs. However, for low and mid-market companies, the landscape for the right choice insurance broker has changed dramatically. With continued consolidation in the insurance industry, many top agents are pulling out after payment, leaving customers unsure of who manages their accounts. In this evolving market, it is vital to choose a broker who prioritizes client success over profits, values ​​pride property and invests in the quality of the team instead of endless acquisitions. Here's what to look for in an insurance partner in 2025.

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1. Impact of industry consolidation

The insurance industry is undergoing a wave of consolidation, with regional firms merging into larger entities at a rapid pace. More recently, Marsh bought Barney & Barney, and Burnham bought Wood Gutmann. For customers, this often means a change in service dynamics – usually not for the better. Many top brokers at large firms are retiring or semi-retiring after earning substantial payouts. Their departure can lead to service disruptions, as clients are often reassigned to less experienced advisors who may lack a deep understanding of their unique needs.

Like one entrepreneurthis change underscores the importance of stability in your mediation relationship. A consistent and knowledgeable point of contact can make all the difference in managing complex insurance needs over time, especially as you navigate evolving risks in your industry.

2. What pride in ownership means to you

When brokers take pride in ownership, they are personally invested in the quality of service they provide. Unlike corporate brokers who may lack equity in the firm, owner-operated brokers are keenly aware that the reputation it directly affects their business. This level of commitment fosters a service culture where customers are valued, not just the numbers on the balance sheet.

Pride of ownership leads to proactive, attentive service and a team that truly cares about meeting your needs. Whether adapting your insurance to suit new business developments or protecting you during a claim, this commitment can be a game changer for your business.

Related: Do you have the right insurance for your business? Here's how to understand your options

3. Investing in people versus chasing acquisitions

Many firms in today's market are focused on acquiring competitors to increase their reach, but this strategy often comes at the expense of team development. Firms that prioritize acquisitions can lose sight of what really matters: having a well-trained and skilled team dedicated to serving customers. For you, this means understanding where a broker's resources are going. Are they focused on quality of service or aggressive expansion?

A brokerage dedicated to building a skilled team will often provide superior service. They are dedicated to developing knowledgeable advisors who understand your industry and risks. This approach fosters a culture of excellence that benefits you, translating into better advice, proactive support and a commitment to your needs for the long term.

4. Experience in supporting mergers and acquisitions

If you are considering a merger or acquisition, choosing a broker experienced in supporting M&A is essential. The right broker will guide you through due diligence, helping you accurately assess potential liabilities and risks. This expertise becomes invaluable when it's time to integrate insurance programs, ensuring a smooth transition that protects your employees and business continuity.

A broker with deep experience in supporting M&A transactions such as Bryson Financial it does not appear only with general advice. They bring a tailored approach that matches your specific objectives, from understanding the intricacies of your new workforce to managing emerging risks that may arise post-acquisition. This level of partnership can make a critical difference during times of change.

5. Why Privately Held, Client-Focused Brokerages Are Worth Considering

Privately held brokerages focused on client outcomes rather than shareholder returns offer a distinct advantage: they have the flexibility to put you first, not just on the bottom line. While publicly traded companies face constant pressure to boost profits, often at the expense of customer relationships, private firms are better positioned to provide dedicated and personalized services.

At these firms, brokers focus on building long-term relationships, treating clients as partners rather than profit centers. This customer-first model allows for a deeper understanding of your business needs and often results in solutions that are tailored, timely and aligned with your long-term objectives.

Related: Using personal insurance to protect your small business is like having no insurance at all

Final thoughts: Choose a partner who puts you first

In today's insurance landscape, not all brokerages are created equal. For lower and middle market companies, choosing a client-focused private brokerage with a dedicated team and deep industry expertise can lead to lasting benefits. By connecting with a broker who puts your needs above short-term gains, you can secure the strategic support needed to navigate challenges, seize opportunities and grow with confidence in 2025 and beyond.

In an era of rapid consolidation and changing industry dynamics, make sure your broker is invested in your success—not just your bottom line.