Specialization: How Insurance Brokers Stay Relevant in Today’s Tech-Driven Industry

With the constant growth of the internet and digital world, insurance buyers now have the option of getting an instant online quote with minimal effort. In fact, more and more buyers are shifting away from the broker model and going directly to carriers to purchase coverage in an effort to cut costs. Now more than ever, brokers must find new and creative ways to stand out among the competition and continue to demonstrate their value in the marketplace.

Industry SpecializationSo how does a broker stay relevant? Clients look to their broker for expertise and understanding of their business. They want to know their broker will advocate for the right carrier and coverage on their behalf. In order to survive in today’s marketplace, brokers are turning to specialization within a particular industry.

By focusing on a specific niche, brokers are able to present unique offerings to their clients such as exclusive carriers, specialty claims and loss control vendors, and even grant programs. For example, if a nonprofit organization is having trouble getting funding, a broker might know of a carrier with special programs offering grants in addition to insurance coverage. The broker would look like a hero to their client by helping them solve two substantial issues. Specializing makes it easier for a broker to establish strong carrier relationships, true expertise in their clients’ industries, and unique knowledge that can help clients beyond insurance coverage.

In most cases, a Program Manager is beneficial to brokers who already specialize in a space or who are looking to start a specialty program with their current book of business. Program Managers, such as Tangram Insurance Services, create niche-based insurance programs and seek brokers who specialize in the industry associated with those programs.

Some of the benefits of using a specialized program manager include:

  • Knowledgeable underwriters specific to the industry.
  • Exclusive carriers that only select brokers have access to.
  • Additional program amenities offered to clients when purchasing coverage – background checks, grants, specialized claims/loss control vendors, etc.


Tangram’s specialty programs offer competitive coverage, grants, industry specific claims and loss control vendors, and A-rated carriers. Better yet, if they don’t have a program for what a broker specializes in, they’ll work with you to start a new one.

Tangram’s current programs:

  • Community First Nonprofit Program – WC & Package coverage
  • Fuel Oil & Propane Dealers Package Program
  • Artisan Contractors Work Comp Program
  • Bodega Insurance Program – an alternative Captive solution!

Don’t see your program but interested in finding out more about the benefits of working with a program manager?  Contact Tangram today.


About tangramins

Tangram Insurance Services provides specialized insurance solutions for various businesses. The Company has been operating for nearly 10 years and is centralized in Petaluma, California, just 30 minutes north of San Francisco and at the base of Sonoma. Tangram Insurance Services is managing general agent, specializing in the development and management of traditional and alternative risk programs. We retain full underwriting and binding authority in house which keeps our brokers connected to the decision makers. Tangram partners our deep underwriting expertise with our strong A rated insurance companies to bring stable and competitive insurance solutions to the market. License # OD87965
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