Case Study: Centralizing Small Commercial Renewals for a Consolidated Agency Network

The Challenge

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As part of an ongoing M&A strategy, a national insurance organization had acquired dozens of small agencies—each with its own workflows, systems, and back-office operations.

While these shops excelled at relationship-driven, middle-market accounts, they also carried large small-commercial books that strained profitability. Renewing thousands of low-margin policies across fragmented systems drove up costs and pulled staff away from higher-value work.

The leadership team needed a way to centralize and standardize small commercial processing—without disrupting producer autonomy or layering on operational complexity.

Flow’s Impact

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Flow became the national placement center across the organization’s agency network for placing entire small commercial books.

Flow used AI-Powered, end-to-end workflows to:

• Aggregate small commercial renewals from across the network
  
  
• Automate data validation, submission packaging, and carrier follow-ups
  
  
• Route bound policies back to the right local agency
  
  

By consolidating the work through Flow, the organization reduced renewal costs by over 70%, lifted profitability on small accounts, and allowed acquired agencies to focus entirely on larger, strategic deals.

Key Takeaway

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For agency networks built through acquisition, Flow provides a centralized, tech-enabled placement center—turning scattered small books into scalable profit engines.

Contact a Flow Specialty broker today to learn how our placement services can help.

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