The landscape of insurance agencies is undergoing a dramatic transformation, far beyond what anyone could have predicted two decades ago. Back then, the gold standard was simply an agency that offered both Employee Benefits and Property & Casualty coverage under one roof. This one-stop-shop model seemed innovative enough, effectively keeping competition at bay. However, many agencies became complacent with this approach, essentially freezing in time while the business world continued its rapid evolution around them. Today’s Reality In today’s landscape, client Risk Management has become exponentially more complex and thoroughly litigated than ever before. Business owners find themselves spending significant…