Thank you for participating in the NAPA Insurance Industry Perspective Series. Please select and answer at least five (5) of the questions below, providing complete and thorough responses that reflect your professional insights and experience in the insurance industry.

*1.Enter your full name(Required.)

*2.Enter your email address(Required.)

*3.Please share the state(s) you are licensed in, your current role, and a brief overview of your business or practice, including your primary focus, the types of clients you serve, your years of experience and any relevant designations, specialties or areas of expertise. Please note: This information may be used, in whole or in part, as your mini bio if your responses are selected for publication.(Required.)

4.What’s the biggest shift you’ve seen in the insurance or advisory industry over the past 3–5 years — particularly related to risk, client expectations or carrier behavior — that professionals are still underestimating?

5.What are the most common mistakes you still see that create unnecessary risk, E&O exposure or other avoidable issues for professionals today?

6.In what ways have client expectations evolved and how are top performers adapting their communication and service models?

7.What documentation or communication practices still create the most preventable E&O exposure, disputes or client issues in today’s environment?

8.From your perspective, what does a well-run and defensible operation look like today, especially in terms of documentation, workflows and client communication?

9.What’s something that has become more difficult in the current market — whether related to placements, renewals, compliance or client expectations — that isn’t talked about enough?

10.What trends, strategies, tools or workflow changes have had the biggest positive impact on your business over the past few years? Based on these changes, where do you think the biggest opportunities are for professionals today?

11.In today’s insurance environment, what advice would you give new agents on what to focus on first to build a more resilient, competitive and successful long-term practice?

12.What’s one habit, process or operational decision that has had the biggest impact on reducing risk or improving long-term success in your business?

13.What’s one question or issue you believe more insurance professionals should be paying attention to right now, but aren’t?

14.How are you currently using AI, automation or other technologies in your workflows and how do you think these tools will reshape the industry over the next 3–5 years?

15.What emerging risks or opportunities (e.g., climate, cyber, insurtech, regulatory) do you believe will most reshape the industry and how should professionals prepare?

16.How do you approach business development, client retention or building a resilient practice in a competitive or hardening market? Which client acquisition strategies do you believe work (or don’t work) in today’s environment and why?