The Carrier Ease-of-Doing Business Scorecard

A practical framework for P&C carrier distribution leaders who want to measure and improve agent experience

Underwriting flexibility and appetite clarity ranked as the #1 carrier selection factor in a Q4 2025 survey of 214 independent commercial lines agents — cited by 39% of agents, nearly 50% more important than competitive pricing. Yet J.D. Power’s 2025 U.S. Independent Agent Satisfaction Study found that just 57% of commercial lines agents say their carriers are meeting foundational needs. Brokers are comparing markets more aggressively than ever, and carriers that are hard to engage lose position before underwriting even begins. This whitepaper gives distribution leaders a structured way to find and fix the friction that redirects volume elsewhere.

Read the whitepaper to discover:

• Where appetite clarity breaks down and how to surface it within broker workflows before the first submission is submitted

• The five dimensions of the broker experience — from submission intake to data partnership — and the specific metrics that reveal where you’re losing placement decisions

• How to score your distribution performance using a Red/Amber/Green framework that forces clear calls over false precision

Commercial lines agents who feel undervalued by a carrier are seven times more likely to reduce the business they place with that carrier, according to J.D. Power’s 2025 study.

Download The Carrier Ease-of-Doing-Business Scorecard and get a diagnostic framework for improving broker access, speed, and consistency.